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Financial Advisor Serving Ventura, California

Communities we serve

The seat of Ventura County, on the coast about 30 miles up the 101, home to the county government, The Trade Desk’s headquarters, and neighborhoods rebuilt after the Thomas Fire.

Up the 101, past Camarillo and Oxnard

Ventura is about 30 miles from the Palm Coast office on Townsgate Road in Westlake Village. The drive runs west on the 101 through Thousand Oaks and Newbury Park, down the Conejo Grade past Camarillo and Oxnard, and over the Santa Clara River into the city.

Meetings take place by Zoom or in person at the Westlake Village office, whichever you prefer. Meeting format and availability can be discussed when scheduling, and the first conversation is complimentary.

Meet with us in Westlake Village

2625 Townsgate Road Suite 330
Westlake Village, CA 91361

Phone: (805) 429-4183

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About Ventura

What planning tends to look like in Ventura

Ventura takes its official name, San Buenaventura, from the mission Junípero Serra founded here in 1782. The city incorporated in 1866 and has been the county seat since 1873, so the County of Ventura’s government center is here, along with the Ventura County Employees’ Retirement Association. Patagonia and The Trade Desk, a Nasdaq-listed company, both have their headquarters in the city.

County employees can build a VCERA pension alongside the county’s 457 and 401(k) plans, and the payout option they choose at retirement sets the pension they receive for life. Employees of a public company can end up with much of their net worth in its stock without deciding to. And the Thomas Fire, which began on December 4, 2017, damaged or destroyed 644 homes inside the city limits. Hundreds of households have since rebuilt, and coverage written before the fire may not reflect what rebuilding costs now.

Planning priorities

Planning questions that come up in Ventura

Company stock and the tax on each sale

Restricted stock units, employee stock purchase plan shares, and trading windows, with a plan for what to sell, when, and how the tax gets paid.

A VCERA pension and the rest of retirement

The payout option, the county’s 457 and 401(k) accounts, Medicare, and Social Security, planned together so the pension fits the household’s other income.

Coverage for a rebuilt or repaired home

Dwelling limits measured against current rebuilding costs, extended replacement cost, and how a rebuild changes the reserve the household keeps.

The house, the trust, and the next generation

Trust funding and titling, and Proposition 19’s rules on what a child keeps of your property tax base if they move into the family home.

Insights

Related reading

Investment Management

Why Asset Location and Timing Matter

Tax-aware investment management guidance for families, retirees, and business owners coordinating asset location, rebalancing, withdrawals, and taxes.

Retirement Planning

What to Organize Before You Retire

A practical retirement planning guide for Westlake Village and Conejo Valley families, covering income, taxes, investments, risk, and estate coordination.

Frequently asked questions

Is this page about the City of Ventura or Ventura County?

The City of Ventura, officially San Buenaventura, which is the county seat. Thousand Oaks, Newbury Park, Oak Park, Simi Valley, Moorpark, and Camarillo are in Ventura County too, and each has its own page. Every page describes the same office in Westlake Village.

Where would a Ventura household meet with Palm Coast?

By Zoom or in person at the firm’s office, whichever you prefer. The office is at 2625 Townsgate Road, Suite 330, Westlake Village, about 30 miles southeast on the 101. The first conversation is complimentary and is arranged through the secure meeting form or by calling (805) 429-4183. Meeting format and availability can be discussed when scheduling.

Should I keep the shares from my employee stock purchase plan?

That depends on the price, the tax, and how much of your net worth is already in the company. Shares you sell at least two years after the offering date and one year after purchase usually receive more favorable tax treatment, but holding them that long keeps you exposed to one stock. Palm Coast weighs that trade-off with you and your CPA.

We rebuilt after the Thomas Fire. What should we review now?

Start with two checks. Confirm that the dwelling limit matches what rebuilding would cost today, because you now know that cost firsthand. Then confirm the home’s tax basis, since insurance proceeds and new construction both change it, and the basis sets the gain when you sell. Palm Coast works through both with you and your CPA.

Authoritative sources

These official resources support the general educational context on this page. They are not endorsements of Palm Coast Wealth Management.

Nearby

Other communities we serve

Ventura County

Camarillo

A Ventura County city west of the Conejo Grade, with a large retiree community, a university, a naval air station nearby, and farmland on the Oxnard Plain.

Santa Barbara County

Carpinteria

A small city on the Santa Barbara County coast, about 45 miles up the 101, with beaches along its whole southern edge and the county’s greatest concentration of greenhouses in the valley behind it.

Santa Barbara County

Santa Barbara

The Santa Barbara County seat, founded around a 1782 presidio and incorporated in 1850, about 57 miles up the 101 between the Santa Ynez Mountains and the Pacific.

All communities we serve

Bring the moving parts into one conversation.

Use the secure meeting form to tell Palm Coast what you are coordinating. Do not include account numbers or other sensitive financial information.

Schedule a MeetingCall (805) 429-4183