About Us

We invite you to discover the

Decision Difference.

Decision Investments is a Registered Investment Advisory (RIA) firm founded by two former Wall Street Financial Advisors with over 25 years of industry experience. Frustrated by the restrictions and lack of objectivity of the big financial firms, we determined that there had to be a better way to serve the best interests of our clients.

Through integrity and professionalism, we have built a loyal base of satisfied clients. Our philosophy centers on providing clients with a disciplined, personalized approach to investing their hard-earned money. We rely on research-driven strategies that blend sound fundamental, quantitative, and technical analysis.

At Decision Investments, we strive to deliver customized, risk-adjusted returns tailored to each individual’s risk tolerance. We reject a one-size-fits-all approach, instead adopting personalized investment strategies that prioritize our clients’ financial goals.


Michael Malvin, CEO

John Weinstein CFP®, MBA

The Schwab Guarantee

Decision Investments custodies all client accounts at Schwab Institutional and directs trades either through Schwab or with Schwab as a prime broker to trade with our choice of other broker-dealers. Charles Schwab Institutional is the leading U.S. provider of custody and trading services to private investment advisory firms. Schwab provides 1,800 professionals to support over 6,000 independent advisory firms with $500 billion under management.

Clients receive all monthly statements, trade confirmations, and annual company reports (if desired) directly from Schwab. Online access is available for instant access to your accounts. Schwab does not charge for custody and statements. We also provide a quarterly performance report.

Through SIPC and Lloyds of London insurance, client portfolios are protected up to $150 million from losses resulting from insolvency or liquidation.

We want you to have the highest level of confidence when you do business with Schwab. So we offer you this simple guarantee: Schwab will cover 100% of any losses in any of your Schwab accounts due to unauthorized activity. Click here to learn more about the Schwab Guarantee.

Michael Malvin, CEO

Michael has worked in Financial Services since 1997. He served on the management team at three prior firms including top Wall Street Firms as well as a larger San Diego based, independent RIA firm. In his role as CEO, Michael oversees the overall management of the firm from investments to staples. Thankfully, the landscape for independent investment firms has matured so much in the last ten years, that it is now possible to outsource almost all of the potentially time consuming and distracting back office responsibilities allowing the team to focus on our core competencies and most important tasks… managing assets and helping clients plan for the future.

Michael graduated from S.U.N.Y. Albany in 1993 with a BS degree in Psychology and Business and still remains the holder of record for the longest field goal on the Varsity football team. Michael enjoys many of the activities that come with an active Southern California lifestyle but none more than spending quality time with his family including daughters Jessica and Sara.

John Weinstein CFP®, MBA

After earning his MBA from George Washington University and a career with Fortune 500 apparel companies, John began a second career in Financial Services to help manage the personal wealth of his family, friends and others in need. John is a Cerified Financial Planner® and worked with a big Wall Street firm for 14 years before joining Decision Investments in 2012.

John is civically minded and has been an active volunteer with the La Jolla Town Council, La Jolla Newcomers, Voices for Children, Big Brother/Big Sister, It’s all about the Kids Foundation and with the San Diego Film Festival.

As a Managing Partner, John’s primary focus is on Financial Planning and Portfolio Management. Beyond his overall investing capabilities, John focuses on identifying investments that pay above average dividends trading at attractive valuations.

To learn more about John’s Enhanced Dividend Portfolio strategy, click here
John’s passion for the industry and for helping others shows every day. In addition to his extensive knowledge in Financial Planning and Investing, he prides himself on a client-centric mindset which includes same day responses to client questions, offering client education events and providing truly individualized investing solutions.