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About the Firm

Who We Are

Seawise Financial

At Seawise Financial, we help successful, down-to-earth individuals and families nearing retirement make smart, confident financial decisions. We’re here to simplify the complex, preserve what you’ve built, and chart a course toward the life you want—always with advice that’s relevant to your life, not tied to a product sale.

We’re a fee-only fiduciary firm, which means our advice is always in your best interest—no commissions, no product pushing, no hidden agenda. Just thoughtful, personalized guidance rooted in your goals.

Based in North County San Diego, we blend modern technology with good old-fashioned conversations to meet you where you are—whether that’s in our local office, over Zoom, or outdoors along the coast.

Our approach is clear, candid, and jargon-free. We focus on what matters: reducing taxes, growing your nest egg, and helping you feel secure about your future—so you can spend less time worrying about money and more time doing what you love.

”Our goal is simple: give you the financial clarity and confidence to spend more time doing what you love—and less time thinking about money.

Timothy KenneyFounder

Meet our Founder – Timothy Kenney, CFP® 

Hi!  I founded Seawise Financial in 2018 after over 20 years of industry experience as a bond trader, portfolio manager, and financial advisor.  Ultimately, after years of working for big investment banks and insurance companies, I wanted to combine the knowledge and expertise learned at those firms with the flexibility and transparency of an independent advisory firm.  

I have been featured in such publications as CNN, Fox Business, and Investors Business Daily and have been a guest contributor to The Street.

I am a member of various professional organizations including:

I am a native San Diegan and love living and working in my local community of Cardiff by the Sea. I am a member of the University of San Diego Alumni Association and the Cardiff Surf Club as well as on the board of Cardiff 101 Main Street and the chair of their Economic Committee. When I’m not working, you can find me surfing the waves in and around Cardiff and Encinitas, frequenting the local restaurants in town with my wife Jenna and 2 dogs, and supporting live music.

Roxanne Desouza – Client Service Associate

I transitioned into financial services after a decade as an Occupational Therapist, where I often worked with people during some of the most vulnerable moments of their lives. That experience taught me just how important it is to have a solid financial plan—one that offers peace of mind and supports the life you want to live. I believe money is deeply personal, and that financial planning isn’t just about numbers—it’s about relationships, values, and making informed decisions that reflect what matters most.

I passed the Certified Financial Planner™ exam in March 2023. As a Client Service Associate and Paraplanner, I help ensure our clients’ financial lives stay organized and on track. I support them by preparing meeting materials, updating and maintaining their financial plans, and making sure action items don’t fall through the cracks. I also provide ongoing communication so clients always know what’s happening and what’s coming next.

I live in Oceanside, California, with my husband, our two energetic boys, and our fur baby. As an immigrant and third-culture kid—and after more than 10 years as part of an active-duty military family—I know what it’s like to start fresh in unfamiliar places. Those life experiences shaped my belief in the value of resilience, adaptability, and planning with intention.

Start your journey toward financial clarity and peace of mind.

Schedule a free retirement assessment today.

Get Started Today!