Welcome to our Dave Ramsey SmartVestor (Investment Planning) page for Jeff Boyd, CFP®, the founder of Phase Four Financial Solutions here in central San Diego. 

My name is Jeff Boyd. I was privileged to be Dave’s first (& initially only) referred financial planner here in San Diego going all the way back to 2004. I've loved working with Dave’s team & clients just like you all of those years. With over 2 decades of listening to Dave, and having applied his principles to personally become debt-free (except our mortgage) and be working through Baby Steps 4, 5, & 6, I know how to take what Dave teaches, combined with our own experience of working directly with clients, and create a customized plan that will inspire you to make sustained progress.

Here are some things to know about me:

• I'm the Owner & Founder of Phase Four located in Mission Valley, San Diego (but serving clients all over the county & many other states) since 2009. I've been in the financial planning profession since 1998 & am absolutely passionate about helping my clients achieve the best life possible with the resources they have access to.

• I'm a Certified Financial Planner (CFP®) – this is considered the most comprehensive designation in our industry reflecting both experience & education around the areas of Financial Planning, Investments, Insurance, Tax, Retirement, College Savings, & Estate Planning & carries a focus on fiduciary responsibility in guiding our clients. This may or may not be important if you’re just looking to start a mutual fund, etc., but becomes more valuable if a big picture overview of at least some of those components is what you would benefit from.

• Phase Four Financial Solutions is a fee-based financial planning firm. This means we are able to do what we believe is best for each client situation with several flexible options for how we work together with our clients from a compensation standpoint.

• We are independent – This means both that:

  • We are neither required or specially incentivized to recommend any particular investment or insurance companies to our clients, and

  • We do have access to almost any option out there, from low-cost index funds and ETF’s to institutional-quality active management & a wide range of other financial solutions. We also have access to the best independent insurance options for life, disability, & Long-Term Care insurance. I was Dave’s only ELP in San Diego for LTC coverage for many years.

What may have brought you here:

• Something you’re excited to accomplish, like an upcoming retirement (or one years down the road), buying a new home or being able to help provide for a college education, or

• Something you’re a bit concerned about, like a volatile stock market, selling a business, or protecting your family from financial challenges due to death or disability.