Meet Your Advisor

David Banks

I started Phase Two Capital to help my clients reach their financial goals safely and surely.

A successful career in the pharmaceutical industry at various Fortune 500 companies, has afforded me the freedom to create a business that is purely focused on helping my clients to succeed.

Using proven strategies I create properly diversified portfolios that yield superior risk-adjusted results over the long term. I am intently concerned with how much my clients walk away with after deducting fees and taxes. Accordingly I favor low-cost, high-quality investment products with attention to minimizing taxes.

I start by helping my clients define their long-term financial goals. That information along with each client’s unique timeline and comfort level with risk, allows me to custom tailor investment portfolios.

My business experience combined with my MBA and MSFA (Masters in Financial Analysis) has given me a unique perspective that allows me to focus on investment approaches that yield the highest possible returns with the lowest acceptable risk to capital.

As a fee-only advisor I am compensated by, and answer to my clients alone. I am free to recommend the best investment alternatives given each client’s investment goals. I help clients navigate the complexities of financial decisions and am committed to making sure they understand exactly how their assets are managed.

Phase Two Capital is an independent Registered Investment Advisor (RIA) firm registered with the state of California. RIAs are regulated by the state and meet a rigorous standard of client care known as the fiduciary standard. RIAs have a legal responsibility to put clients’ interest first.