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Emilio Cabuto, CFP®

Financial planning for a life worth living — today and tomorrow

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Verus Capital Partners, LLC Emilio Cabuto, CFP®
San Diego, CA

Serving Clients Nationwide

Financial planning for a life worth living — today and tomorrow

25 Certified Advisor Reviews™
5 out of 5 Stars
Jump to Reviews

(619) 282-7688

Website

Areas of Focus

  • Inherited Wealth
  • International and Cross-border Planning
  • Investing
  • Investment Management
  • Loss of Spouse or Partner
  • Money Psychology
  • Owning a Business
  • Real Estate Investing
  • Retirement Planning
  • Setting Up Retirement Accounts
  • Tax-Smart Accumulation Planning
  • Tax-Smart Distribution Planning
  • Taxes
  • Travel

About Emilio Cabuto, CFP®

Hi, I’m Emilio Cabuto, a Certified Financial Planner™ based in San Diego helping people age well — financially and intentionally.

Many of my clients are retirees and near-retirees who want to simplify their finances, protect what they’ve built, and feel confident about the years ahead. Whether it’s coordinating retirement income, optimizing Social Security, planning for long-term care, or supporting aging parents, my goal is to make financial decisions feel clear and human.

My interest in finance began when I was 15, watching my mom’s investments tumble during the 2008 financial crisis. That experience sparked a lifelong curiosity about money and a desire to make financial planning simple, trustworthy, and accessible.

Outside of work, I love to run, travel through Latin America with my wife, Linda, and cheer on my hometown Padres. I’m proud and grateful to call San Diego home. We also run a travel page called Dos Traveling Cats, inspired by our two cats who stay behind but are with us in spirit.

If that all sounds like a good fit — I’d love to connect.

Professional Designations

  • CERTIFIED FINANCIAL PLANNER ®

Affiliations

  • Financial Planning Association

Primary Location

3111 Camino Del Rio N, Suite 405, San Diego, CA 92108

Video

Meeting Options

  • Video Conference
  • In-Person
  • Phone
Book Intro Call

Compensation Methods

  • Fee Based
  • One-time Financial Plan
  • Percentage of Assets Managed
  • Subscription

What to expect in the first meeting

Our first conversation is a discovery meeting — completely free and focused on getting to know each other. We’ll talk about your goals, challenges, and what “aging well” looks like in your life. No recommendations will be made at this stage; it’s simply about understanding your full financial picture before deciding if we’re the right fit to work together. After all, a good doctor wouldn’t prescribe before making a proper diagnosis — and the same goes for financial planning. Whether we move forward or not, you’ll leave the meeting with more clarity and confidence about your next steps.

Offers Investment Management

Yes

About Verus Capital Partners, LLC

At Verus Capital Partners, we believe financial planning should be transparent, client-focused, and built around real lives — not just portfolios.

As an independent, fee-based Registered Investment Advisor (RIA) with over $2 billion in assets under management, we combine disciplined investment management with thoughtful financial planning to help clients make confident, informed decisions at every stage of life.

We work with individuals, families, retirees, and business owners nationwide who want clarity about their finances and confidence in their future. From retirement income strategies and tax-smart investing to legacy and transition planning, our goal is simple: to help clients age well, live well, and plan well — today and for years to come.

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through Verus Capital Partners,LLC, a registered investment advisor and separate entity from LPL Financial.

Education

California State University, Chico, Business Administration, Finance

Hobbies and Interests

  • Baseball
  • Camping
  • Cooking
  • Cycling
  • Exercising
  • Family
  • Running
  • Sports
  • Traveling
  • Yoga

SEC Lookup

View Disclosure

FINRA Lookup

View Disclosure

Who We Serve

  • Americans Living Abroad
  • Baby Boomers
  • Business Owners
  • Content Creators
  • Contractors
  • Couples
  • Divorce
  • Dual Income Family
  • Educators
  • Expats
  • Families
  • Foreign-Born Individuals
  • Gen X
  • Gen Y / Millennials
  • Government Employees
  • Healthcare Professionals
  • Hispanic | Latino
  • Immigrants
  • Intergenerational Families
  • Living in Retirement
  • Professional Athletes
  • Real Estate Agents
  • Single Women
  • Travel Lovers
  • Veterans
  • Widow
  • Women in Transition
  • Young Families

To make Wealthtender free for readers, we earn a nominal monthly fee from financial advisors and firms in exchange for marketing services (including being featured on this profile page), subject to terms of use. This compensation creates a natural conflict of interest when we favor their promotion over others. Wealthtender is not a client of these advisors or firms. Testimonials may not be representative of other clients’ experiences and do not guarantee future performance or success.

Write a Review


By clicking submit, you acknowledge this review is based on your own experience and reflects your genuine opinion. You also agree to our review policy, privacy policy, and terms and conditions, and give this financial advisor permission to publicly display your review on their website.

5 Stars

✅ Wealthtender Certified Advisor Review™
Oct 30, 2025
I have been working with Emilio Cabuto since 2018, first in the office of Betsy Merritt, and when she retired as he took over in her place, and became affiliated with Verus. I have been very happy with the help he has given me and in managing my accounts, being very attentive to my wishes and guiding me and helping me with any issues that came up. He goes out of his way to to help and explain, so I feel I can trust him in taking care of my important investment accounts. I am impressed that he is learning as much as he can in helping his retired clients with special needs and concerns of senior citizens like myself. Carol O Huntsman
Relationship to Financial Advisor: Client as of Oct 30, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Carol Huntsman
Carol Huntsman

Help when needed

✅ Wealthtender Certified Advisor Review™
Aug 26, 2025
Whenever I have a question or need help (and even when I don’t know I need help) he’s there for me. Quick response, explains things so I can understand and has done well for me.
Relationship to Financial Advisor: Client as of Aug 26, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for judy Snyder
judy Snyder

Comprehensive Analysis

✅ Wealthtender Certified Advisor Review™
Jul 25, 2025
I have had advisors in the past but many as you know done actually advise and just collect. With one meeting from Emilio he dove into all my finances and was able to identify not only tax savings but classifications , and several other areas I could be getting a much better return on investment. I am so glad I met with him and look forward to our professional relationship. I am referring him to my clients and family as well. Thanks Emilio !!!!
Relationship to Financial Advisor: Client as of Jul 25, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Yash Youssefi
Yash Youssefi

Recommend without reservations

✅ Wealthtender Certified Advisor Review™
Jul 15, 2025
We have worked with Emilio for a couple of years now. He listens beautifully and answers questions clearly. We can recommend without reservation.
Relationship to Financial Advisor: Client as of Jul 15, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Dennis
Dennis

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 8, 2025
Emilio Cabuto has been our financial adviser for years now. We have complete trust in him as a person and adviser. Emilio has helped us manage our assets and takes care of business as a skilled investor. We would recommend him to anyone needing help with investing and money management. Thank you Emilio. Sincerely, Scott and Deborah S.
Relationship to Financial Advisor: Client as of Jul 8, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Scott steingraber
Scott steingraber

Friendly but professional

✅ Wealthtender Certified Advisor Review™
Jul 8, 2025
Emilio has been helping me for a long time. He’s always friendly but professional. He can explain things that make since to me.
Relationship to Financial Advisor: Client as of Jul 8, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Karen Spencer
Karen Spencer

Great Guy

✅ Wealthtender Certified Advisor Review™
Jul 7, 2025
We have been working with Emilio for the last five years. He is knowledgeable, gracious, and readily responsive to our questions and needs. We are grateful for his help and feel secure in his guidance for our financial plans.
Relationship to Financial Advisor: Client as of Jul 7, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Brooks and Linda Adams
Brooks and Linda Adams

Confidence inspiring

✅ Wealthtender Certified Advisor Review™
Jul 7, 2025
Emilio has a rare gift: he inspires confidence. After meeting with him and working on a retirement plan l have felt a sense of relief. I greatly appreciate his willingness to listen and support my goals.
Relationship to Financial Advisor: Client as of Jul 7, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Mark Wilkins
Mark Wilkins

Emilio Cabuto

✅ Wealthtender Certified Advisor Review™
Jul 7, 2025
We appreciate Emilio. He has always been responsive and informed about our investments and personal situation. He is both professional and friendly and cares about our interests.
Relationship to Financial Advisor: Client as of Jul 7, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Bill and Joan Fritz
Bill and Joan Fritz

Emilio Cabuto’s review as a financial adviser

✅ Wealthtender Certified Advisor Review™
Jul 1, 2025
Always available to answer concerns . Nice guy with good customer service and works professionally with clients.
Relationship to Financial Advisor: Client as of Jul 1, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Pacita
Pacita

The best!

✅ Wealthtender Certified Advisor Review™
Jul 1, 2025
⭐️⭐️⭐️⭐️⭐️ 5/5 Working with Emilio has been a total game-changer. Since we partnered up, they’ve been absolutely crushing it—proactive, knowledgeable, and incredibly strategic. They’ve helped me build a stronger financial foundation, optimize my investments, and set up a plan that actually feels achievable and tailored to my goals. It’s rare to find someone this sharp and genuinely invested in your success. Highly recommend to anyone serious about getting their financial life in order.
Relationship to Financial Advisor: Client as of Jul 1, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Aaron Kiju
Aaron Kiju

5 Stars

✅ Wealthtender Certified Advisor Review™
May 23, 2025
I have been working with Emilio for 5 years now and I am confident that my investments are being maximized and carefully maintained.
Relationship to Financial Advisor: Client as of May 23, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Robert Thompson
Robert Thompson

5 Stars

✅ Wealthtender Certified Advisor Review™
May 1, 2025
My time with Emilio is always worthwhile. I so appreciate his insight in helping me make financial decisions.
Relationship to Financial Advisor: Client as of May 1, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Victoria Norris
Victoria Norris

5 Stars

✅ Wealthtender Certified Advisor Review™
Mar 19, 2025
Emilio Cabuto, Thanks so much for your excellent care and expertise! Greatly appreciated! 👍
Relationship to Financial Advisor: Client as of Mar 19, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Wendy Jones
Wendy Jones

5 Stars

✅ Wealthtender Certified Advisor Review™
Jan 21, 2025
Excellent advisor!
Relationship to Financial Advisor: Client as of Jan 21, 2025
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Lindsey Danner
Lindsey Danner

5 Stars

✅ Wealthtender Certified Advisor Review™
Dec 5, 2024
Emilio Cabuto has been very helpful to me in picking up the administration of an inherited estate. There's a lot of detail and he has taken the time to make sure I understand it. He has also given me sound advice. I appreciate him and highly recommend his services.
Relationship to Financial Advisor: Client as of Dec 5, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Brandy Williams Brandy Williams Author
Brandy Williams Brandy Williams Author

5 Stars

✅ Wealthtender Certified Advisor Review™
Oct 24, 2024
Emilio Cabuto did an outstanding job helping me to make financial decisions regarding inherited assets. He provided me with a paper outline and went through each asset and patiently explained each detail. He also provided a written summary the following day in case I had further questions. He was caring and considerate.
Relationship to Financial Advisor: Client as of Oct 24, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Susan Black
Susan Black

5 Stars

✅ Wealthtender Certified Advisor Review™
Jun 20, 2024
We are pleased with Emilio Cabuto at Verus. He has been attentive to our needs in retirement. We feel that he cares about us and our finances.
Relationship to Financial Advisor: Client as of Jun 20, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Shirley Omori
Shirley Omori

5 Stars

✅ Wealthtender Certified Advisor Review™
May 11, 2024
Emilio is very polite, and professional. I highly recommend him as a financial counselor
Relationship to Financial Advisor: Client as of May 11, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Mark Wilkins
Mark Wilkins

5 Stars

✅ Wealthtender Certified Advisor Review™
Jan 24, 2024
Emilio and his team have looked after my accounts for more than ten years. Simply put, I just never worry. They answer when I call, answer all my non-financial minded Engineer questions and keep me apprised of what's going on. Very Happy With the Team! MJ
Relationship to Financial Advisor: Client as of Jan 24, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Michael Jerauld
Michael Jerauld

5 Stars

✅ Wealthtender Certified Advisor Review™
Jan 19, 2024
I have known Emilio for a couple years now. Is a very kind individual very knowledgeable, And he put you first before the companies. It was a good year in 2023 and the numbers he showed me in a meeting prove it. I will continue to use him and his company as my investor.
Relationship to Financial Advisor: Former Client
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for mark budde
mark budde

5 Stars

✅ Wealthtender Certified Advisor Review™
Jan 9, 2024
We enjoyed our visit with Emilio Cabuto last week. He’s every bit as personable as when we first met several years ago. We found him to be organized, well prepared and suitably informed. We will look forward to meeting with him again in the near future. — Bruce and Nancy Adams
Relationship to Financial Advisor: Client as of Jan 9, 2024
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Bruce Adams
Bruce Adams

5 Stars

✅ Wealthtender Certified Advisor Review™
Oct 13, 2023
Emilio has been so helpful. I have moved into an Assistied living facility and he has been such a big help with getting me all set up fiancially.
Relationship to Financial Advisor: Client as of Oct 13, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Shirley Mobley
Shirley Mobley

5 Stars

✅ Wealthtender Certified Advisor Review™
Sep 6, 2023
We have worked with Emilio Cabuto at Verus Capital Partners, LLC for several years now. We have continually been pleased with his professional and personal demeanor. He is trustworthy, offers solid advice and his follow through is excellent. We would not hesitate to recommend Emilio and the financial services he provides.
Relationship to Financial Advisor: Client as of Sep 6, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Laura Smith
Laura Smith

5 Stars

✅ Wealthtender Certified Advisor Review™
Jul 6, 2023
I met with Emilio Caputo yesterday for a review of my portfolio. He was able to answer all my questions with good descriptions to help me understand the where and why of my investments. I was very impressed with his memory and knowledge of the investments I had and available to me. From my perspective, he seems to be on the cutting edge of what is happening in the investment world. Thank you, Emilio, for your help.
Relationship to Financial Advisor: Client as of Jul 6, 2023
Compensation: This reviewer received no compensation for this review.
Conflicts of Interest: There are no material conflicts of interest.
Avatar for Donna Bullock
Donna Bullock
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Please see important disclosures below awards View Disclosures

Wealthtender Awards

Emilio Cabuto, CFP® received the 2025 Wealthtender Voice of the Client Highly Rated Advisor award.
Emilio Cabuto, CFP® received the 2025 Wealthtender Voice of the Client Highly Rated Advisor award.

Award Disclosures

Wealthtender awarded Emilio Cabuto, CFP® with its 2025 Voice of the Client Highly Rated Advisor Award on 07/25/25. Rating criteria based on eligible client reviews published on Wealthtender between 1/1/24 and 07/25/25. Although Verus Capital Partners, LLC compensates Wealthtender for marketing services (including eligibility to be considered for this award), Wealthtender’s award criteria is objective and not influenced by compensation. This award is not a guarantee of future performance or success and client reviews may not be representative of the experience of all past or future clients. ↗️ View additional award details and FAQs (wt.reviews/awards)