FINANCIAL PLANNING TO PRESERVE THE LIFESTYLE
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MANAGING YOUR WEALTH TO OPTIMIZE
Your Future

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Why
Second 50

The Second 50 Financial services are designed for people in their second 50 years of life – whether it is helping those wanting to know when work is financially optional or helping individuals and families who are already using their assets to fund their lifestyle.

ADAPTIVE FINANCIAL
PLANNING

Stand-alone financial planning (offered for a fixed fee, investment management not required) based on years of experience, research and additional education. A unique process designed for individuals in their Second 50 years of life. We know the importance of planning specifically for people who will soon be using or are already using their assets for income to support their lifestyle. 

Contact us for more info

INSTITUTIONAL
ASSET MANAGEMENT

Adaptive Portfolios optimized for individuals in their Second 50, designed around your ongoing financial needs. Strategic risk adjusted portfolios designed to help protect clients from significant drawdowns that can be devastating especially when taking distributions. Learn More About Our Investment Solutions

EXPERIENCE
AND EXPERTISE

Over 50 years of combined experience, certifications include: Certified Financial Planner®, Certified Private Wealth Advisor®, Certified Investment Management Analyst® and Retirement Management Advisor® Wholly independent, allowing us to serve our clients as their fiduciary – putting their best interests first.

Contact us for more info

ADAPTIVE FINANCIAL
PLANNING

Stand-alone financial planning (offered for a fixed fee, investment management not required) based on years of experience, research and additional education. A unique process designed for individuals in their Second 50 years of life. We know the importance of planning specifically for people who will soon be using or are already using their assets for income to support their lifestyle. 

Contact us for more info

INSTITUTIONAL
ASSET MANAGEMENT

Adaptive Portfolios optimized for individuals in their Second 50, designed around your ongoing financial needs. Strategic risk adjusted portfolios designed to help protect clients from significant drawdowns that can be devastating especially when taking distributions. Learn More About Our Investment Solutions

EXPERIENCE
AND EXPERTISE

Over 50 years of combined experience, certifications include: Certified Financial Planner®, Certified Private Wealth Advisor®, Certified Investment Management Analyst® and Retirement Management Advisor® Wholly independent, allowing us to serve our clients as their fiduciary – putting their best interests first.

Contact us for more info

Who We Are

Working with high-net-worth individuals and families in the second 50 years of life, we develop financial plans and investment portfolios to ensure they will not outlive their money – and, in fact, provides our clients with the financial confidence to enjoy their lifestyle without the fear of running out of money.

Kathleen Adams CFP<sup>®</sup> CPWA<sup>®</sup> RMA<sup>®</sup>

Kathleen Adams CFP® CPWA® RMA®

Founding Partner | Financial Planner

David Swift CIMA<sup>®</sup>

David Swift CIMA®

Founding Partner | Financial Planner

Lisa Morig

Director of Client Operations

Katie O’Neill

Director of Financial Planning

Bill Carlson, CPA®

Outsourced CFO, business and tax planning

Todd Sakoda

Professional Outsourced Compliance Partner

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DAY
HAGAN

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NORTHERN
CAPITAL

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FIRST
TRUST

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Day Hagan is a multi billion dollar investment management firm based out of Sarasota, Florida. The firm’s investment process is centered upon tactical asset management. Day Hagan actively manages investments, believing buy-and-hold strategies are no longer relevant. Their proprietary models quantitatively interpret the ever-changing market conditions and invest and manage risk accordingly. Their models have been developed in conjunction with Ned Davis Research, a global provider of independent investment research, solutions and tools. Their superb long term track record of managing investments from an unemotional, risk first standpoint is why they are such a valuable partner to Second 50 Financial, LLC.

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Founded in 1996, Northern Capital is a multi billion dollar specialized institutional investment management firm singularly focused on the fixed income market. Their expertise has never been more necessary in this uni que and challenging fixed income environment. Our direct access to their top portfolio managers and our firm focused Second 50 fixed income strategies are integral to the success of our client's portfolios.

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At Second 50 our belief is that for successful risk adjusted returns, portfolios must have alternative investments as part of their portfolios. First Trust Capital Solutions L.P. (“FTCS”) is a holding company whose subsidiaries offer a curated spectrum of alternative investments across private equity, venture capital, hedge funds, real estate, and private credit.

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Second 50 Financial custodies it’s assets with Charles Schwab Institutional. Charles Schwab is one of the leading asset management firms with total client assets of over $7.38 trillion as of February 28, 2023. The company has over 34 million active brokerage accounts, 1.7 million banking accounts and over 400 branches. It also has branch offices in the United Kingdom, Singapore, Australia and Hong Kong. Charles Schwab is the largest publicly traded investment firm in terms of client assets.

We have chosen Schwab for their industry leading service, product lineup and their strong commitment to the security or our clients’ assets.

Kathleen Adams CFP<sup>®</sup> CPWA<sup>®</sup> RMA<sup>®</sup>

Kathleen Adams CFP® CPWA® RMA®

Founding Partner | Financial Planner

Kathleen Adams, CFP® CPWA® RMA® is a founding partner of Second 50 Financial. As a financial planner for over 20 years, she is in the lifestyle preservation business. She and her team have developed a unique process in order to address the expanded needs of successful business owners who are enjoying a wonderful lifestyle and require a different kind of financial plan.

Kathleen has a Bachelor of Science degree from Loyola University in Chicago, graduating magna cum laude. She earned her CERTIFIED FINANCIAL PLANNER™ certification and completed the Personal Financial Planning (PFP) designation program at UCLA Extension in 2003. In 2015, Kathleen earned the Certified Private Wealth Advisor® designation, in advanced wealth management strategies and applied concepts at The University of Chicago Booth School of Business as well as the Applied Behavioral Finance Certificate enhancing her industry knowledge. Most recently, in 2022 she completed the Retirement Management Advisor® program with the Investments & Wealth Institute®, an advanced certification for financial professionals that provides them with knowledge to help build personalized retirement income plans for their clients focusing on strategies to manage the challenges of today’s world alongside proven solutions from the past. 

She chose to work in wealth planning because of her father who loved life and adored his family. Despite building a highly successful professional practice on his own, having no debt and owning substantial real estate, he was not able to live the lifestyle he loved after health issues forced him to sell his practice. His legal, tax and insurance advisors never built a strategy for lifestyle preservation and never communicated. So she and her partner started this planning practice to change the game in planning. Kathleen is originally from Chicago but has lived in Manhattan Beach for the last 30 years with her husband, two daughters and most recently, four grandsons.

(CA Ins. License #0C76833)

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David Swift CIMA<sup>®</sup>

David Swift CIMA®

Founding Partner | Financial Planner

David Swift, CIMA® is a Founding Partner of Second 50 Financial. His chief role is to help develop sound financial advice for the firm’s clients. His focus is on investment analysis and financial planning strategy. He also takes a lead role in working with clients’ tax advisors during the formation and execution of financial plans.

David has been working in the financial related industry for over 12 years. He has successfully completed the Certified Investment Management Analyst (CIMA®) Program at the Wharton School of Business. Recently, David earned the Investment Management Consultant’s Association’s (IMCA) Applied Behavioral Finance Certificate. The program addressed common behavioral challenges that trip up investors and advisors alike. IMCA’s program featured notable experts from leading business schools such as MIT, Chicago Booth and Duke presenting in-depth, thoughtful, and interesting research from the field today. The program also included timely and relevant presentations from behavioral finance experts, financial advisor practitioners, and cutting-edge academics. David holds the Series 7, 66 and CA Insurance license.

(CA Ins. License #0H33436)

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Lisa Morig

Lisa Morig

Director of Client Operations

Lisa Morig’s primary focus is Client Administrative Operations for Second 50 Financial. Lisa has over 10 years of experience in the financial industry providing expert client service and support to financial firms and clients.

Lisa graduated from Rockford University with a B.A. in Elementary Education.

Lisa currently resides in Redondo Beach.

Katie O’Neill

Katie O’Neill

Director of Financial Planning

Katie O’Neill’s focus is primarily on Business Operations for Second 50 Financial. With over ten years of experience, Katie also takes a lead role in the collection and input of financial planning data for our clients.

Katie graduated from the University of California, Santa Barbara with B.A. degrees in Business Economics and Psychology.

Katie resides in Hermosa Beach with her husband Dennis and their two sons.

<span>Bill Carlson, CPA<sup>®</sup></span>

Bill Carlson, CPA®

Outsourced CFO, business and tax planning

Bill has over 30 years of public accounting experience, beginning his career with Price Waterhouse. Currently, the principal focus of his firm, Carlson CPA, Inc., is providing outsourced client accounting services, including CFO services and income tax planning to the business and their owners.

<span>Todd Sakoda</span>

Todd Sakoda

Professional Outsourced Compliance Partner

Todd has 25+ years of experience in the financial services industry, ranging from compliance and operations to business development and relationship management. He has served as Chief Compliance Officer, Chief Operating Officer, Director of Advisor Development, and other roles. Over his last 17 years, he has focused on supporting independent registered investment advisory firms. During his career, he has also worked with independent broker-dealer advisors and bank investment programs.

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WORK WITH US TO ACHIEVE FINANCIAL PEACE OF MIND.

SECOND 50 FINANCIAL

111 N. Sepulveda Boulevard
Suite 300
Manhattan Beach, CA 90266