2065 San Elijo Ave • Cardiff, CA 92007 • 858-438-9677

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Millennium Private Wealth San Diego is a forward-thinking wealth management
company that provides private portfolio management and financial counseling to
high net worth individuals and families both locally and around the country.

Our Core Principles

Our goal is to help you to protect and enhance your wealth so that you can support the people, causes and institutions that add meaning to your life. Our commitment to this mission is defined by three core principles:

Personalized
Approach

  • In-depth discovery helps us understand our client’s goals, priorities and values
  • A tailored strategy is developed that helps clients understand where they are today along with guidance for the future
  • Straightforward recommendations that clearly define options and ease decision-making

Exceptional
Guidance

  • Experienced and specialized expertise help us innovate and provide meaningful perspectives
  • An investment approach that is objective, nimble and tied to each client’s goals and needs for income and liquidity
  • Ability to leverage resources and collaborate with outside expertise leads to comprehensive integration solutions

Dedicated
Service

  • A company-wide commitment to accessibility, responsiveness, efficiency and attention to detail
  • A family office service model keeps clients informed of their progress and allows us to educate, prepare and act where appropriate
  • A demonstrated and unwavering concern for our clients’ well-being creates clarity and builds trust
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Our Services*

Investment Planning

Wealth Management

Portfolio Management

Corporate Executive Services

Lending & Banking

Investment Planning

We believe that to become truly satisfied with your life, you need a vision. What are your unique talents, passions and priorities? How should you spend your time each day to make the most of your life? If you could plan the next 365 days doing exactly what you wanted to do, what would your “perfect calendar” look like?

To realize that vision, you’ll need to set and meet personal goals, financial/lifestyle goals and goals for the people and causes which matter most to you. You’ll need the right strategies, but too often, people spend their financial lives focusing on the strategies instead of the goals, essentially missing the forest for the trees.

You may spend most of your waking hours at work, getting to and from work, or otherwise thinking about work and money, yet, someday, when you have the opportunity to create your ideal calendar, you’ll probably fill it with time for family, friends, travel, hobbies and relaxation. We can help. Our proprietary investment planning process is the way we do business: Putting the focus on what is most important to you, pursuing your goals and meeting to review your progress.

Wealth Management**

 We combine many of the capabilities previously reserved to investment banks with personal high-touch customer service. We offer access to lending services and investment banking products from Wells Fargo Bank, N.A., one of the world’s most respected financial institutions, and we’re experienced in working with corporate stock options, liquidity event planning and retirement income planning and design. We develop and implement customized investment management solutions for business owners, executives of both public and private companies and high net worth individuals.

We are your personal family office, and we have one goal: to help you reach all of yours. We have the insight, experience and resources to turn your complex business goals into realities. Our integrated approach ensures that your business, personal and family goals are coordinated and receive the attention they deserve.

We offer assistance with a wide array of Wealth Management Services to better serve your needs:

  • 529 Plans
  • Alternative Investments 
  • Corporate Executive Services
  • Estate Planning Strategies 
  • Equities
  • Fixed Income
  • Insurance
  • IRAs
  • Lending/Banking Services
  • Options
  • Retirement Plan Consulting
  • Retirement Rollover Accounts
  • Trusts

Estate Planning Strategies

Our estate planning services can help you address everything from business continuation, to philanthropy, to intergenerational wealth transfers and trust services.

  • Life Insurance
  • Long Term Care
  • Buy-Sell Agreement Funding
  • Key Person Insurance
  • Business Transition

Portfolio Management†

The Private Investment Management advisory program is a customized client portfolio management program geared toward your specific investment goals.

When selecting the securities for your portfolio, we conduct a detailed analysis of companies, industries and overall economic conditions. The construction process attempts to maximize returns while minimizing risk to the overall portfolio.

Potential benefits of a managed portfolio

By appointing experienced investment professionals to provide you with investment advice, manage your portfolio and re-balance your investment mix when necessary, you free yourself from the time-consuming task of choosing and actively monitoring your investments. After allocating your investments, we continually manage your portfolio and its performance. As part of this process, we ensure that your portfolio remains invested in financial instruments most suited to your current needs and objectives.

Private Investment Management Summary

  • Ability to hold a wide range of asset types within one portfolio, potentially eliminating the need for multiple accounts
  • Top-quality portfolio management expertise and personal services for individuals and institutions who demand a high level of experience and personal service
  • One fee based on the size of your advisory account rather than traditional trade-based commission charges associated with brokerage accounts
  • The minimum account size for this program is just $50,000

Corporate Executive Services‡

 As a corporate executive, your compensation package often presents unique and complex investment challenges. Your personal wealth management issues may involve tax implications, selling restrictions and other personal and professional responsibilities that need to be taken into consideration.

Based on information you provide about your particular grants, we can provide:

  • An explanation of your stock options and restricted stock, focusing on tax considerations and investment characteristics
  • Access to a team of experienced professionals in our corporate headquarters to help you navigate the complexities of corporate compensation
  • Recommendations based on your objectives for the options or restricted stock and your current financial situation

Together, we can discuss your individual equity grants and plan an appropriate course of action. We can also familiarize you with our cashless exercise program that may let you exercise options without disturbing your existing securities portfolio or raising cash.

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Chad Brown

Senior Financial Advisor
858-438-9677

Experience

Chad has more than 20 years of experience in financial services with a focus on helping high net worth individuals navigate the complexities of financial markets and simplify their financial lives by delivering a full spectrum of investment, portfolio and wealth management strategies.

Chad’s extensive experience is rooted in the institutional space where he has provided fixed income, capital markets and risk management services at some of America’s most professionally demanding and academically rigorous investment firms. He has worked closely with high-profile clients to help them manage wealth, sell private businesses, access capital markets and implement risk management strategies for large, concentrated stock positions.

Prior to joining Millennium Private Wealth, Chad founded the RG Investment Group in San Diego. He previously served as Vice President at Wells Fargo Advisors. Additionally, Chad has an entrepreneurial background as a therapeutic drug patent holder, NIH grant author and biotechnology company chief executive and board member. He has served as a guest lecturer at the University of Southern California, Chapman University and the University of Wyoming.

Education

Chad received his BA in Spanish literature as well as his MBA from California Lutheran University, where he served as President of the Rugby Club, the Waverider Club and the Debate Team.

Other Interests

Chad is a world-class surfer and an avid traveler, having served for two years on the Forbes Expert Traveler Panel, and he devotes considerable efforts to causes that engage young people with the ocean. Chad lives with his wife and two daughters in Encinitas, California.

CA Insurance License: 0B78594, Resident State CA

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©2025 Millennium Private Wealth. All rights reserved.

This information is intended for use only by residents of (AK, AZ, CA, DE, FL, GA, IL, IN, KY, MA, MD, MO, NC, NH, NJ, NY, OH, OK, OR, PA, SC, TN, TX, VA, WA). Securities-related services may not be provided to individuals residing in any state not listed above. Please consult with the FA as s/he may not be registered in all states.

For parties residing outside of the U.S., this information is: (i) provided for informational purposes only, (ii) not and should not be construed in any manner as an offer to participate in any investment or to buy or sell any securities or related financial instruments, and (iii) not and should not be construed in any manner as a public offering of any financial services, securities or related financial instruments. Products and services listed may not be available, or may have restrictions, depending on client country of residence.

Investment products and services are offered through Wells Fargo Advisors Financial Network, LLC (WFAFN), Member SIPC, a registered broker-dealer and non-bank affiliate of Wells Fargo & Company. WFAFN uses the trade name Wells Fargo Advisors. Any other referenced entity is a separate entity from WFAFN.

Insurance products are offered through nonbank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

A note about Social Media: Opinions, comments and actions taken on Social Media are those of the third party and do not necessarily reflect the views of the creator of this profile or of the firm. Social Media is intended for U.S. residents only and subject to the following terms: wellsfargoadvisors.com/social.

*Bank products and services are available through Wells Fargo Bank, N.A.Bank products and services are available through Wells Fargo Bank, N.A.

**Please consider the investment objectives, risks, charges and expenses carefully before investing in a 529 savings plan. The official statement, which contains this and other information, can be obtained by calling your financial advisor.

Read it carefully before you invest.

Alternative investments, such as hedge funds, funds of hedge funds, managed futures, private capital, real assets and real estate funds, are not appropriate for all investors. They are speculative, highly illiquid, and are designed for long-term investment, and not as trading vehicle. These funds carry specific investor qualifications which can include high income and net-worth requirements as well as relatively high investment minimums. The high expenses associated with alternative investments must be offset by trading profits and other income which may not be realized. Unlike mutual funds, alternative investments are not subject to some of the regulations designed to protect investors and are not required to provide the same level of disclosure as would be received from a mutual fund. They trade in diverse complex strategies that are affected in different ways and at different times by changing market conditions. Strategies may, at times, be out of market favor for considerable periods with adverse consequences for the fund and the investor. An investment in these funds involve the risks inherent in an investment in securities and can include losses associated with speculative investment practices, including hedging and leveraging through derivatives, such as futures, options, swaps, short selling, investments in non-U.S. securities, “junk” bonds and illiquid investments. The use of leverage in a portfolio varies by strategy. Leverage can significantly increase return potential but create greater risk of loss. At times, a fund may be unable to sell certain of its illiquid investments without a substantial drop in price, if at all. Other risks can include those associated with potential lack of diversification, restrictions on transferring interests, no available secondary market, complex tax structures, delays in tax reporting, valuation of securities and pricing. An investment in a fund of funds carries additional risks including asset-based fees and expenses at the fund level and indirect fees, expenses and asset-based compensation of investment funds in which these funds invest. An investor should review the private placement memorandum, subscription agreement and other related offering materials for complete information regarding terms, including all applicable fees, as well as the specific risks associated with a fund before investing.

Insurance products are offered through non-bank insurance agency affiliates of Wells Fargo & Company and are underwritten by unaffiliated insurance companies.

Trust Services are available through Wells Fargo Bank, N.A. Member FDIC and Wells Fargo Delaware Trust Company, N.A.

†Fees for the PIM program include Advisory services, performance measurement, transaction costs, custody services and trading. Fees are based on the assets in the account and are assessed quarterly. There is a minimum fee of $250 per calendar quarter to maintain this type of account. The fees do not cover the fees and expenses of any underlying packaged product used in your portfolio. Advisory programs are not designed for excessively traded or inactive accounts and are not appropriate for all investors. During periods of lower trading activity, your costs might be lower if our compensation was based on commissions. Please carefully review the advisory disclosure documents for a full description of our services, including fees and expenses. The minimum account size for this program is $50,000.

‡Millennium Private Wealth does not provide legal or tax advice. Be sure to consult your own tax advisor and investment professional before taking any action that may involve tax consequences.