Financial Planning That’s Built to Last
At our core, we believe financial planning should do more than just manage money—it should bring structure and clarity to life’s most important decisions.
Plan B Investments, Inc. was founded in 2004 with a simple mission: put the investor first. We’ve stayed true to that principle ever since. Every recommendation we make is grounded in integrity, transparency, and a clear understanding of our clients’ goals. We don’t sell. We listen. Then we advise.
We believe in the "Occam's Razor" Theory by Logician, William Ockham:
"The simplest solution is often the best"—especially when it comes to financial planning and decision-making.
Meet Martin P. O’Malley, Jr.
As President and Chief Compliance Officer, Marty brings over three decades of financial experience and a hands-on approach to every client relationship. Licensed in securities since 1988, Marty has helped clients navigate everything from market cycles to major life changes with a calm, steady perspective.
Clients appreciate his honesty, depth of knowledge, and commitment to staying involved—not just at the start, but every step of the way.
The Team
Justin Smith
Investment Advisor
Representative
Laura Smith
Associate
Our Approach &
the Clients We Serve
At Plan B Investments, financial planning is personal. We offer practical, step-by-step strategies built around your real life—not generic models or sales goals.
As fiduciaries, we are committed to acting in your best interest at every stage, offering advice that’s grounded, transparent, and aligned with your goals.
Many of the clients we work with today come through referrals—a reflection of the trust and results we build over time. Individuals, families, and business owners turn to us for clear, steady guidance in retirement planning, financial strategy, and investment management.
Based in Carmel Valley and supporting clients virtually nationwide, we believe great planning starts with a simple question: "What matters most to you?"

Everything we do flows from that answer.
Our Approach
We treat financial planning as a relationship, not a transaction. You’ll never receive one-size-fits-all advice or be rushed into decisions. Instead, we offer practical, step-by-step strategies built around your real life—not a theoretical model.
Whether we’re helping you design a retirement income strategy, plan your estate, or evaluate your investment portfolio, we always start with one question: “What matters most to you?”

That’s the foundation for everything we build.
What Sets Us Apart
Independent & Client-First Since Day One
We’re not beholden to quotas, product lines, or corporate sales goals. That means our advice is based solely on what’s best for you—not what benefits us. Independence isn’t a buzzword—it’s the reason clients trust us with their most personal financial decisions.
Over 35 Years of Industry Experience
Financial planning isn’t just about today’s markets—it’s about having the perspective to navigate tomorrow’s uncertainties. With over three decades in the financial services industry, we bring the experience that only time and hands-on service can provide.
Licensed, Transparent & Fully Aligned
As a Registered Investment Advisor (RIA), we operate under a fiduciary standard. We’re required to act in your best interest, and we take that responsibility seriously. We disclose any potential conflicts before they arise, so you can make decisions with clarity.
Flexible Levels of Guidance
Some clients want ongoing strategic advice; others need help during a specific life transition. You choose how involved we are—and we’ll be there with the level of service that fits you best. From full financial planning to focused portfolio reviews, our support scales to meet your needs.
Relationships Built on Trust—Not Transactions
Our clients don’t stay because they have to. They stay because they want to. We foster long-term relationships by staying consistent, responsive, and genuinely invested in your financial well-being.
