Financial Planning With Care
Who We Are
You’re Probably Losing Money—and It’s Not Your Fault. But It Is Time to Fix It.
At Caruthers Tax & Financial, we’ve spent the last 35+ years doing one thing exceptionally well: Helping individuals, families, and business owners find money they’re losing unknowingly and unnecessarily.
Whether it’s through overpaid taxes, inefficient business structures, missed college funding opportunities, or outdated financial strategies… if there’s a crack in your plan, we’ll find it—and plug it.
So far, we’ve saved our clients over $117 million in unnecessary taxes (aka “voluntary donations” to the IRS). That’s real money that stayed in their pockets—where it belongs.
We don’t do guesswork. We don’t sell hype. And we sure as hell don’t wait until tax season to “hope it all works out.”
Instead, we dig deep. We educate. We strategize. We engineer financial plans that actually work—in the real world, not just on a spreadsheet.
Our firm is family-run, but globally minded. We serve clients across San Diego, the U.S., and internationally—anyone serious about creating financial independence and protecting what they’ve built.
What makes us different?
- We lead with strategy, not product.
- We go beyond tax prep and into tax prevention.
- We show clients how to pay for college without raiding retirement or relying on scholarships.
- And we give you the tools, insight, and planning to make your money work harder for you, your future, and your family.
Because at the end of the day, this isn’t just about saving taxes or maximizing retirement.
It’s about peace of mind, freedom of choice, and leaving a legacy instead of a mess.
Let’s make sure your money stops leaking and starts leading to the life you actually want.
Scroll Below To Learn More About The Caruthers Tax & Financial Solutions Team!
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Financial Planning With Care
Meet The Team
Ron Caruthers
Founder | Strategist | Relentless Advocate for Your Wealth
Ron Caruthers doesn’t just “do taxes.” He engineers financial freedom—and he’s been doing it for over three decades.
As the founder of Caruthers Tax & Financial, Ron has helped thousands of high-income families, business owners, and entrepreneurs legally keep more of their money, retire with confidence, and build a financial legacy that actually lasts.
To date, he and his team have saved clients over $117 million in taxes—money that went to fund early retirements, grow businesses, pay for college, and create the kind of financial independence most people only read about in glossy brochures.
But Ron’s not just a tax strategist. He’s your financial air traffic controller—making sure every decision, every dollar, and every strategy is pointing toward a future where you’re not just “getting by,” but living life fully, and on your terms.
He’s helped over 10,000 families afford college—even those earning well into the six figures, owning real estate, or holding sizable investment accounts.
No straight-A student? No full-ride scholarship? No problem. Ron shows families how to unlock funding they never knew they qualified for, without raiding their retirement or selling their soul to student loans.
Speaking of retirement: that’s Ron’s specialty. He doesn’t just help clients save for “someday.” He helps them design a real, sustainable income strategy so they can retire sooner, live better, and sleep easier, knowing their future is secured, their taxes are handled, and their assets are protected.
Ron’s known for being part tax ninja, part financial bodyguard, and part BS detector. His clients don’t come to him for templated advice—they come because:
- They’re tired of “experts” who only talk in hindsight
- They want aggressive strategy paired with airtight compliance
- They’re ready to stop guessing and start executing
His motto? Be bold with strategy, meticulous with execution, and ruthless with inefficiency.
Outside the office, Ron’s often off-grid—scouting wild mushrooms, soaking in hidden hot springs, or hopping continents with his family. He’s living proof that strategic financial planning isn’t just about numbers—it’s about freedom.
Stephanie Manuel
Lead Tax Accountant and Office Manager
Stephanie is a driving force behind the strategy and structure that power Caruthers Tax and Financial Solutions’ growth. As Lead Accountant and Office Manager, she has spent nearly a decade shaping the firm’s client experience, team culture, and commitment to service excellence.
Stephanie began her journey as an administrative assistant at the firm, growing alongside the company to her current leadership role. Over the years, she has worked with hundreds of individuals, families, and business owners—helping them maximize deductions, reduce tax liabilities, and hold on to more of their hard-earned money.
She thrives on building real connections with clients, and nothing makes her happier than seeing their stress lift and their financial freedom unfold.
A proud graduate of San Diego State University, Stephanie holds a degree in Business Administration–Accounting and is a licensed Enrolled Agent (EA)—a federally authorized tax professional with unlimited rights to represent taxpayers before the IRS.
When she’s not deep in tax strategies or managing operations, you’ll likely find Stephanie relaxing at the beach (don’t hand her a surfboard, though), trying out a new workout class, or whipping up something sweet treat in the kitchen.
Matteo D’Amico
Tax and Financial Client Advisor
Matteo brings an extraordinary blend of experience to the financial world—equal parts analytical, adventurous, and espresso-fueled.
Born and educated in Italy, Matteo holds dual diplomas in Accounting and Computer Programming from Istituto Aterno-Manthonè, as well as a Doctor of Medicine (M.D.) in Sports Medicine from the Università degli Studi di Chieti. It’s a résumé that raises eyebrows—in the best way. His rare fusion of financial, technical, and medical training gives him both the left-brain precision and right-brain empathy to truly understand the diverse needs of his clients.
Before entering the tax and advisory world, Matteo lived a few lives: working as a chef in Australia, doing construction in Hollywood, and running international sales for a multinational company in London, covering Europe, the Middle East, and Australasia. He’s also owned several successful businesses of his own, which is exactly how he learned to navigate the tax code—not just in theory, but in the trenches.
Today, Matteo’s mission is clear: help clients keep more of what they earn and make smarter, clearer financial decisions.
Whether he’s building multi-entity tax strategies or explaining capital gains over a cappuccino, Matteo’s goal is to leave clients feeling confident, informed, and in control of their financial future.
Fun facts? Matteo once ran for the national track team in Italy (yes, he’s clocked a sub-4-minute mile), is a devout espresso purist, and is methodically sipping his way through the top 50 cocktail bars in the world—strictly for research purposes, of course.
Jessika D’Amico
Tax Resolution Specialist
Jessika D’Amico is your first call when the IRS comes knocking—and your best line of defense when things get complicated. As a federally licensed Enrolled Agent with a sharp eye for detail and a relentless drive to resolve even the messiest tax issues, Jessika specializes in audits, back taxes, and collections. Her mission? To help clients navigate the storm with clarity, calm, and confidence.
Jessika doesn’t just solve problems—she builds bulletproof cases. Whether she’s negotiating with taxing authorities, untangling IRS correspondence, or reconstructing multi-year filings, she brings a methodical, no-stone-unturned approach to every file she touches.
Her academic journey reflects the same curiosity and global perspective she brings to her client work. Jessika studied International Business and Italian at the University of Southern California and spent time abroad studying at the Università di Firenze (Florence, Italy) and in Chile. A true communicator at heart, she was even Editor-in-Chief of both her middle and high school yearbooks—a role that sharpened her editorial precision and leadership from an early age.
Now based in London, Jessika balances her intense tax work with travel adventures, long city walks, and a global quest to find the world’s best bakeries (all in the name of research, of course).
Halle Breihan
Client Liaison and Executive Assistant
Halle Breihan is passionate about helping individuals and families build strong financial foundations for the future. A proud graduate of California State University San Marcos with a degree in Psychology, Halle combines her understanding of human behavior with a deep commitment to client care.
Her own journey into financial planning began as a client, working with Ron right after high school to navigate college funding. Thanks to that early guidance, Halle was able to graduate debt-free, an experience that shaped her drive to give others the same opportunity for financial freedom and stability.
Today, she focuses on helping clients prepare for life’s many milestones—and the unexpected moments in between—by providing thoughtful, personalized support.
Halle lives in San Marcos, CA, with her husband and their two cats. She loves hiking, swimming, and reality competition TV.
She brings warmth, empathy, and real-life insight to every client relationship, and we can’t wait for you to meet her!
