Timothy Kenney
CFP®
Seawise Financial
Founder / Financial Advisor
Timothy Kenney
CFP®
Seawise Financial
Founder / Financial Advisor
Your situation is unique, your financial plan should be too. - Timothy Kenney, CFP®
Seawise Financial is a financial planner located in Encinitas, CA. We act as a financial advisor to both San Diego residents and clients around the country providing retirement planning, investment management, and tax advice. We work on a fiduciary, fee-only basis.

Timothy Kenney is an Encinitas, CA fee-only financial planner. Seawise Financial provides comprehensive and objective financial planning to help clients organize, grow and protect their assets through life’s transitions. As a fee-only, fiduciary, and independent financial advisor, Timothy Kenney is never paid a commission of any kind, and has a legal obligation to provide unbiased and trustworthy financial advice.
Timothy Kenney is a fee-only financial planner located in Encinitas, CA
Seawise Financial was created as a destination to help busy professionals achieve peace of mind in their financial lives so they can spend their free time pursuing what they love to do. Together we assist our clients in keeping more of what they make, partner in growing their wealth, and help them sleep at night knowing they have a path for the future they want to live.
We approach our relationships with our clients much differently than big Wall Street firms, banks, and insurance companies. We don’t have high asset minimums so families that are starting out have access to advice to help them make good decisions to plan the future they want. We also hold ourselves to a higher standard of service and as a fiduciary act in your best interest 100% of the time.
Based in north San Diego county, we leverage the latest technology which enables us to work with clients regardless of where they are located. This ensures we can provide the advice you need on your terms – whether that is meeting us in person or virtually at almost any time of the day.
We take pride in helping our clients make smart financial decisions without relying on financial jargon or complex solutions. This allows them to enjoy the freedom, confidence, and piece of mind knowing they are on a good path to financial success both today and in the future.
Timothy Kenney is a Member of the National Association of Personal Financial Advisors

The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors - highly trained professionals who are committed to working in the best interests of those they serve.
NAPFA members live by three important values:
- To be the beacon for independent, objective financial advice for individuals and families.
- To be the champion of financial services delivered in the public interest.
- To be the standard bearer for the emerging profession of financial planning.
Seawise Financial was created as a destination to help busy professionals achieve peace of mind in their financial lives so they can spend their free time pursuing what they love to do. Together we assist our clients in keeping more of what they make, partner in growing their wealth, and help them sleep at night knowing they have a path for the future they want to live.
We approach our relationships with our clients much differently than big Wall Street firms, banks, and insurance companies. We don’t have high asset minimums so families that are starting out have access to advice to help them make good decisions to plan the future they want. We also hold ourselves to a higher standard of service and as a fiduciary act in your best interest 100% of the time.
Based in north San Diego county, we leverage the latest technology which enables us to work with clients regardless of where they are located. This ensures we can provide the advice you need on your terms – whether that is meeting us in person or virtually at almost any time of the day.
We take pride in helping our clients make smart financial decisions without relying on financial jargon or complex solutions. This allows them to enjoy the freedom, confidence, and piece of mind knowing they are on a good path to financial success both today and in the future.
Fee-Only, Fiduciary, Independent: Three Important Criteria to Consider When Choosing a Financial Advisor.
Specialties
- Retirement Income Planning
- Investment Management
- College Education Planning
- Tax Planning
- Equity Recipients (RSU/ESPP)
Ideal Clients
- Retirees and Near Retirees
- Growing Families
- Business Owners
- Sudden Money Situations
- Employees of Publicly Traded Companies
Working Together
- In-Office Meetings
- Virtual Meetings
- Clearly Defined Fees
- No Product Sales
- Complimentary Initial Consultation
Professional Designations & Affiliations
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Timothy Kenney is a NAPFA-Registered Financial Advisor
The National Association of Personal Financial Advisors (NAPFA) is a leading professional association of Fee-Only financial advisors—highly trained professionals who are committed to working in the best interests of those they serve.
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Timothy Kenney is a Member of the XY Planning Network
The XY Planning Network is the leading organization of fee-only financial advisors who are focused on working with Generation X and Generation Y clients. Our mission is to connect consumers with best-in-class financial advisors who specialize in working with clients just like you.
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Timothy Kenney is a CERTIFIED FINANCIAL PLANNER™ Professional - Click for Verification
CFP® professionals are held to strict ethical standards to ensure financial planning recommendations are in your best interest. What’s more, a CFP® professional must acquire several years of experience related to delivering financial planning services to clients and pass the comprehensive CFP® Certification Exam before they can use the CFP® designation.
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Timothy Kenney is a Member of Cardiff 101 Main Street
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Timothy Kenney is Quoted on BankRate.com: "10 ways to maximize your savings while on a fixed income"
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Timothy Kenney is Contributes to TheStreet.com: "What to Know Before Adding Gold to your Portfolio"
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Timothy Kenney is Interviewed by Robert Powell and Contributes to TheStreet.com: "What to Do if You Went to Cash"
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Timothy Kenney is Quoted on CNN.com: "When should I sell my mutual funds? "
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Timothy Kenney is Quoted on Fox Business News: "Quick ways to boost your savings in 2019"
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Timothy Kenney is Quoted on BankRate.com: "Higher interest rates have Americans worried they may not get ahead this year"
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Timothy Kenney is Quoted in Investor's Business Daily: "Advisors Double As Risk Managers By Offering Smart Insurance Tips"
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Timothy Kenney is Quoted on BankRate.com: "Get a cash gift for Christmas? Here are 6 smart things to do with it"
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Timothy Kenney is Quoted on BankRate.com: "7 tips to build wealth in your 30s"
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Timothy Kenney is Quoted on TheSimpleDollar.com: "Fed Meeting Preview: How to Take Advantage of Rising Interest Rates"
Contact Timothy Kenney
Office Locations:
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120 Birmingham Drive
Suite 240F
Cardiff by the Sea, CA 92007