Our Team

Born and raised in Sweden, Tony Krvaric was inspired by Ronald Reagan's optimism and unshakable belief in free enterprise, individual liberty, and limited government, vowing to one day come to America and pursue his own American Dream.

In 1992 he immigrated legally and arrived in San Diego, starting his own business in the computer industry. Six years later he discovered his passion; helping individuals and families make smart financial choices - and joined A.G. Edwards & Sons as a full-service Financial Consultant.

After patiently going through the naturalization process for nearly thirteen years, Tony became an American citizen in 2003, calling it "one of the proudest days" of his life. He immediately registered to vote as a Republican and has never missed an election.

After a large bank bought A.G. Edwards in 2007 the "client first" mentality changed, and Tony founded Krvaric Capital & Risk Management – a boutique, independent financial services practice focused on helping select individuals and families manage, preserve, and distribute wealth.

Clients are typically individuals and families that enjoy professional, fiduciary relationships based on trust and shared values. The firm employs the Bucket Strategy - a time segmenting technique - to help their clients achieve their short-, medium-, and long-term goals.

Tony is also Chairman Emeritus of the Republican Party of San Diego County – where he served for 14 years, charged with electing and re-electing Republicans to all levels of government.

In his spare time Tony engages in causes that advance freedom, preserve our culture, and honor America's founding principles. Fun fact: He also loves 80's music, electronic music, and video games, describing himself as a 'closet nerd'.

His values system stems from learning about the horrors of collectivism and communism that his parents suffered in Yugoslavia (present-day Croatia) and led them to seek a better life in Sweden.

Tony lives in the Scripps Ranch area of San Diego with his wife of nearly 30 years. They have three sons and a daughter. The family attends St. Michael's Catholic Church in Poway where Tony is a proud Brother Knight of the Fourth Degree.

Garrett is a San Diego native and passionate about the financial services industry. He helps with client service requests such as accessing funds, online access, opening accounts, preparing review materials for Tony, and much more. He is passionate about the financial services industry and enjoys client relationships.

As the firm’s chief financial planning officer, Rick is responsible for oversight and guidance of the firm’s wealth services. In this role, Rick is an invaluable resource to our wealth management team, advising on asset allocation strategies and helping clients design sophisticated financial, tax, and estate planning solutions.

Rick has been a financial planner for more than 25 years and was a regular contributor to financial radio programs syndicated throughout the country, where he could be heard answering questions on all topics regarding personal finance. Rick is a native San Diegan who graduated from San Diego State University and holds the CERTIFIED FINANCIAL PLANNER™ designation as well as FINRA Series 7 and 63 licenses and a California insurance license (#0765622).

Tom Wyckoff, CFA®, CFP®, is a portfolio manager, responsible for research and due diligence on investment opportunities for the firm’s Managed Portfolios Strategies program. Additionally, Tom helps design custom asset allocation strategies for clients based on an individual client’s unique goals and investment objectives.

Prior to joining the investment team, Tom worked as the senior analyst for a 1940 Act Fund focusing on illiquid securities. He also spent time working as a financial planner and an accountant.

Zack specializes in the design, implementation, and management of employer-sponsored retirement plans. With over 12 years of experience in the financial services industry, his passion lies in helping businesses and their employees potentially maximize the benefits of their retirement programs.

“As a Qualified Plan Specialist, I stay informed on the latest industry trends and best practices by learning from my colleagues, peers, and clients,” says Zack. “My commitment is to add value at every step and ensure that your retirement plan works effectively for you and your employees.”

Zack previously worked at LPL Financial for ten years, then was a Regional Vice President at OneAmerica until March of 2023, then rejoined LPL Financial for about 18 months. He completed his undergraduate degree at California Lutheran University (CLU) in 2004, then got his MBA in Financial Planning from CLU in 2010. He also played D-III baseball for CLU! He currently holds Series 7, 63 with LPL Financial, Life & Health licenses, as well as a QPFC designation.

Outside of work, Zack is a big-time baseball card collector. He also enjoys watching baseball, football and softball. He and his wife, Alyson, have been married since 2009, and they have two children.