The BTR Team
Serving the greater Oakland, CA, area.
Talk to the team
Location
Oakland, CA, 94612 (415) 989-0100
A team behind every plan
The BTR (“Balanced Total Return”) Team applies a time-tested, fundamentally driven, bottoms-up approach to Advisor team-managed client investment portfolios. Our guiding principle is to align our clients’ portfolios with their financial objectives. We present our financial advisory services with a focused client-advisor perspective and a dedicated back-up advisor to support ongoing client relationships. We also believe our experience with estate planners, attorneys, and tax advisors helps deliver compassionate yet outcome-focused results for the next generation. Moreover, we aim to be readily available to clarify financial questions for all our clients. The BTR team believes that our professionalism, integrity, and experience fuel our “go the extra mile” vision of financial advising.
Meet Our Team
Every detail of your big picture
Beyond the six core areas of wealth management, we also offer specialized solutions including employee retirement account management, trust services, tax preparation, and business owner consulting. For businesses, we provide guidance for plan sponsors, plan participant education, and employee benefits programs.
Planning for retirement
Financial freedom in retirement is about creating a strategic plan for a viable, predictable, tax-efficient stream of income.
Investing with a plan-first mindset
We offer investment guidance designed to strike a balance between risk/return and align with your financial goals.
Preparing for the unexpected
Risk management is about being prepared. We can help verify that your current insurance policies fit your unique needs.
Managing my tax strategy
Every effective plan starts with an integrated tax strategy. Our team can help you manage your tax liabilities.
Building my legacy
Our team can build a plan that reflects your passions and provides for your loved ones, now and in the future.
Creating a financial plan
We will help you assess your situation, recognize and pursue opportunities, and craft a detailed financial plan.
Where we are
Our offices, one team
Primary office
Oakland, CA
1999 Harrison Street, Suite 1530
Oakland, CA 94612
The primary office is listed first, followed by the remaining offices alphabetically. The team serves clients from every office and meets virtually across the region.
Oakland, CA
Oakland, CA 94612
What working together looks like
Discover
A no-cost conversation about where you are, what you own, and what you want money to do for the people you love.
Plan
A written plan covering income, tax, estate, and insurance — reviewed by a planner, a tax professional, and a strategist before you see it.
Implement
We put the plan to work: portfolios built to your risk tolerance, accounts consolidated, beneficiaries and documents aligned.
Review
Scheduled reviews each year — and a team that picks up the phone when life changes between them.
Insights from BTR Team
What we’re thinking about
Financial Risk Management: How Wealth Planners Can Help Manage Risk and Uncertainty
Newsroom and Resources
View AllBest S&P 500 Funds for 2025
U.S. News: Bob Welch Featured in “How to Build a Balanced Retirement Portfolio”
BTR Investment Strategy Update
BTR Investment Strategy Update
One coordinated team, built around your plan
Our advisory teams work best with households that have $500,000 or more in investable assets.
Ready to talk now? Call 763-401-5685.
(Weekdays 8am–6pm Central)
Get your second opinion
Meet with us and get your complimentary, hand-crafted Wealth Blueprint to serve your financial goals.
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