Wealth management that fits
the life you actually live.
We're a boutique, advisor-led firm on the West Coast, built on genuine relationships, plain-spoken advice, and a belief that your money should support your life, not consume it.
Built backwards, on purpose.
Lucent Elm began in 2016 as Ryan Marayag's personal practice. After years inside a large firm, suited up in an office every day, he left to build something more personal, bringing his clients and a belief that great advice doesn't require a corporate machine.
When Alex Taylor came aboard, the focus sharpened: less "everything under the sun," more disciplined, investment-first wealth management for individuals and families. Lucent Elm Financial Group became Lucent Elm Wealth Management.
Today, from a new home base in Westchester, California, we manage wealth for high-net-worth households across the West Coast, in person when it counts, and over Zoom wherever life takes you.
A few milestones along the way.
2016
A practice of one
Ryan Marayag leaves a large firm to start Lucent Elm, bringing his clients and a more personal way of working.
2018
The first advisor
The team grows beyond a founder and an assistant as the practice builds momentum.
2020
Remote-first
Zoom-based advice takes off, letting us serve clients across the West Coast without losing the personal touch.
2026
A new home base
A new Westchester, CA office anchors a growing, investment-first boutique.
A lifestyle company at heart.
We left the suit-and-cubicle world for a reason. We're active, outdoorsy, and down-to-earth, and we do this work happier for it. That mindset shapes everything: we meet you where you are, keep things human, and believe financial freedom should give you more time on the mountain, the water, or wherever you feel most alive.
Four commitments we don't compromise on.
Client First
“We will never put a commission ahead of your best interest.”
Radical Honesty
“We tell you what you need to hear, not just what you want to hear.”
Lifestyle Alignment
“Financial freedom should support the life you actually want to live.”
Simplicity
“We take the complexity out of wealth management so you can focus on what matters.”
A small team that actually knows you.
Behind every plan is a real person who knows your name and where things stand. Get to know the advisors and client-service team you’ll work with.
Meet the teamLet’s build something that lasts.
The best way to know if we’re a fit is a relaxed conversation. Reach out, in our Westchester office or over Zoom, and let’s talk about your goals.
Mon–Fri 8:00 AM–5:00 PM · Weekends by appointment