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David Castro

CFP®

Senior Wealth Advisor

David Castro

Services and personalized investment advice are only provided pursuant to an advisory agreement with the client. We do not provide individualized stock recommendations over social media. Be aware that specific investment opportunities shared through WhatsApp are fraudulent.

David Castro

Professional Certifications

  • CFP® – CERTIFIED FINANCIAL PLANNER® professional

About David

David guides clients through coordinating the inter-relationships among retirement planning, investments, taxes, cash flow, and estate planning. He leads with a proactive approach that aspires to make his clients’ lives easier by ensuring their accountant, estate planning attorney, and investment advisor are all working toward a common goal. David works primarily with business owners, corporate executives, doctors, and retirees. 

David routinely helps clients coordinate estimated tax payments, evaluate the appropriateness of Roth conversions, tax-efficient charitable gifting strategies, and coordinating the location of assets and rebalancing decisions to ensure clients are investing and managing risk tax-efficiently. David is also well-versed in estate planning matters, including distribution provisions for beneficiaries and trustee selection, balancing asset protection versus flexibility, and tax-efficient asset transfer. 

One of David’s passions is to help clients answer the question, “How much risk do I need to take to live comfortably in retirement?” To do that, he builds long-term cash-flow models that incorporate investment assets, future cash inflows, income, spending, taxes, housing assumptions, and other factors to help give context for the retirement question, “Do I have enough?”  

David joined Focus Partners Wealth in 2026, after working at Kovitz. He has more than 15 years of financial services industry experience, including three years of tax preparation, which instilled a working knowledge of the tax code and how it affects all aspects of planning. Prior to joining Kovitz, David was with The Ayco Company, L.P., a Goldman Sachs Company.  

David lives in North Carolina with his wife Renee and two dogs, Jack and Margot. In his spare time he enjoys cycling, hiking, cooking, and a daily meditation practice. 

 

Education and Professional Milestones 

-DePaul University – bachelor’s degree in honors finance 

-CFP Board’s Pro Bono Initiative - Connects CFP® professionals to those people, families and communities in crisis or need

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