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Financial Decisions Should Reflect What Matters to You

We help individuals, families, and business owners connect their financial decisions with the values, priorities, and goals shaping their lives.

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Can You Retire on Your Terms?

Bring your income, investments, Social Security, pensions, healthcare considerations, and long-term priorities into one coordinated retirement plan.

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What Is Your Plan Beyond the Business?

Connect business continuity, succession, ownership, risk, and exit decisions with the financial life you are building outside the company.

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What Still Depends on Your Income?

Review how changes in your family, career, business, and financial responsibilities may affect the protection already in place.

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Your Pension Is One Part of Retirement

We help CalSTRS and CalPERS members consider how pension income, Social Security, savings, investments, and retirement timing work together.

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Financial Planning Starts with Listening

Tony Apostolidis and Ricardo Meneses take the time to understand your story, priorities, and questions before helping you evaluate what comes next.

Meet the LifePath Team

Financial Planning Built Around What Matters to You

LifePath Wealth Advisors helps individuals, families, business owners, retirees, and California public employees bring the different parts of their financial lives into one coordinated plan.

From our offices in Stockton and Santa Rosa, we start by understanding your priorities and the decisions in front of you.
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The LifePath Approach

Financial planning is the process of bringing the future into the present so we can act on it now.

Good planning connects the decisions you make today with the life, family, and business they are meant to support. It begins with a clear picture of where you are now and where you want to go.

Where Are You Today?

Financial questions often change with your career, family, business, and stage of life. Choose the situation that feels most relevant to see how LifePath can help you evaluate the decisions ahead.

Preparing for Retirement

Preparing for Retirement

Living in Retirement

 Living in Retirement

Owning a Business

Owning a Business

Reviewing Your Protection

Reviewing Your Protection

Planning With CalSTRS or CalPERS

Planning With CalSTRS or CalPERS

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Planning for the Decisions Ahead

Explore how LifePath brings your broader financial plan, retirement, and business-owner decisions into focus.

Financial Planning

A Plan Built Around What Matters to You

Comprehensive financial planning brings your goals, investments, retirement, insurance, business interests, and long-term priorities into one coordinated strategy.

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Retirement Planning

Preparing for Retirement’s Moving Parts

Retirement planning brings together income needs, investments, Social Security, pensions, healthcare considerations, and decisions about when and how to use your resources.

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Business-Owner Planning

Planning Beyond the Business

Your business decisions can affect your income, family, employees, ownership plans, and personal financial future. LifePath helps business owners evaluate continuity, succession, risk, and transition decisions together.

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Where We Work

Serving Stockton, Santa Rosa, and Communities Across California

LifePath works with clients from our offices in Stockton and Santa Rosa, along with individuals and families in San Diego and other California communities.

Whether you are in the Central Valley, Sonoma County, or Southern California, the first conversation starts with your priorities and the decisions you are working through.

Stockton Office
10100 Trinity Parkway, Suite 430
Stockton, CA 95219
tel: (209) 956-7020
Santa Rosa Office
3554 Round Barn Blvd, Suite 305
Santa Rosa, CA 95403
tel: (707) 576-1313
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Guidance Begins With a Conversation

Tony Apostolidis and Ricardo Meneses bring complementary experience to the financial decisions LifePath clients face. Their work begins by understanding each client’s priorities, questions, and broader financial situation.

Anthony Apostolidis

Anthony Apostolidis CFP®,  CEPA®,  CPFA®

LPL Registered Principal and Certified Financial Planner™ Professional

"Money is only a tool. It will take you wherever you wish, but it will not replace you as the driver." Ayn Rand This quote sums up perfectly the philosophy of LifePath Wealth Advisors. I have been involved in this wonderful profession...

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Ricardo Meneses

Ricardo Meneses, CPFA®, RSSA®

Wealth Planner

Ricardo Meneses has spent his career helping financial professionals build stronger businesses and deliver exceptional client experiences. He has been involved in the financial services industry, supporting the advisor community for...

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LifePath Learning

Practical perspectives on financial planning, retirement, business ownership, Social Security, and pensions.
What Should a Business Owner Review Before Year-End?

What Should a Business Owner Review Before Year-End?

As the end of the year approaches, most business owners are already thinking about what comes next. They may be considering new hires, equipment purchases, growth opportunities, or changes they want to make in the coming year.

When Your Financial Goals Change: How to Revisit Your Plan With Intention

When Your Financial Goals Change: How to Revisit Your Plan With Intention

Retire at a certain age. Sell the business someday. Travel more. Help children or grandchildren. Create more flexibility. Give back. Spend more time with the people who matter. Those goals are important. But over time, life has a way of changing the context around them.

Retiring as a Small Business Owner: What to Consider Before You Transition

Retiring as a Small Business Owner: What to Consider Before You Transition

Retirement can feel like a major transition for anyone, but for business owners, it often carries additional weight. Your business may represent years of effort, identity, income, and long-term planning. Transitioning away from it involves more than a financial decision. It requires clarity, structure, and thoughtful coordination.

Let’s Review the Bigger Picture

A financial review gives us an opportunity to understand where you are today, discuss the decisions ahead, and consider how the different parts of your financial life work together.

Schedule a Financial Review
LifePath Wealth Advisors serves clients from offices in Stockton and Santa Rosa, CA, and works with individuals and families throughout the state, including San Diego.