Stoyan Panayotov

Personal Finance, Retirement, Investing
“Stoyan Panayotov is the founder of Babylon Wealth Management and works with individuals, families and small businesses to help them build a roadmap to financial independence, reach their personal goals, and grow their investment portfolios.”

Babylon Wealth Management

Job Title:



Stoyan is the founder and CEO of Babylon Wealth Management, a fee-only investment management and financial planning firm, based in Walnut Creek, California. He found his firm after spending eleven years on Wall Street and a total of thirteen years in New York City. 

Stoyan is a native to Bulgaria and grew up in a small town community with strong family values. At the age of 23, he moved to the United States to pursue a graduate degree in Finance at  Pace University Lubin School of Business in New York City. 

In 2004, Stoyan completed his MBA degree at the top of his class. Two years later, he earned the CFA designation. During his time on Wall Street, Stoyan learned the ropes of the financial industry and investing. He worked his way up through three major investment banks on Wall Street – Credit Suisse, Wells Fargo, and Deutsche Bank. He gained extensive experience in risk management, equity, and fixed income markets. 

In 2012, he met his wife, Serena. They got married in 2015 and moved to California a few months later. In the Bay Area, Stoyan decided to start a new venture and establish his wealth management company.

Stoyan's primary objective to become a financial advisor and wealth manager was to help his future clients make better financial decisions and empower their finances to achieve their personal goals.

People often delay important financial decisions until it is too late. Being a wealth advisor, Stoyan helps families and individuals develop robust and personalized long-term financial plan. He builds and manages customized investment portfolios that meet clients’ needs and risk tolerance.

In his practice, Stoyan thrives on helping hard workers like himself manage their finances efficiently. He also runs a financial blog with the goal to educate his followers about planning for the future. 


MBA, Finance, Pace University

Assets Under Management:

$10 million

Fee Structure:


CRD Number:



Babylon Wealth Management is a Registered Investment Adviser. Advisory services are only offered to clients or prospective clients where Babylon Wealth Management and its representatives are properly licensed or exempt from licensure. The content on Investopedia is solely for informational purposes. Informational materials, brochures, and commentary produced by Babylon Wealth Management and its representatives are strictly informational and should be used for research use only. No informational materials, brochures, or commentary should be construed as advertising material. Any opinions expressed are relevant as of the posting date and are not intended to provide investing or other advice or guidance. All relevant facts, including individual circumstances, need to be considered by a reader to arrive at personal investment conclusions. Past performance is not indicative of future results. Investing involves risks, as the value of your investment will fluctuate over time and you may gain or lose money. Investment risks are born solely by the investor and not by Babylon Wealth Management.

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    Pensions, 401(k)
What's the difference between a 401(k) and a pension plan?
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The pension plans are typically financed by the employers and guarantee an individual pension when the employee retires. The guaranteed pension will depend on the years of service, seniority, and earned income among other factors. Employees may or may not be required to contribute to the pension plan. The crucial element here is the guaranteed amount. The employers bear the risk of meeting their future obligations. As we have seen many times already, many employers have a shortfall in their pension plans and have to take money out of their operation to pay off pensions to their former workers.

The 401k and 403b are defined contributions plans, where both the employee and the employer make contributions. These contributions are tax deferred. They reduce taxes in the year they are made. Taxes are due upon withdrawal of funds. The main burden in these plans falls onto the worker. They are responsible for making contributions to their retirement plans. The employees are also responsible for making investment choices and choosing the asset allocation for the account. The employers do no guarantee a fixed pension. The retirement distributions are solely dependent on the contribution amounts and the performance of the funds chosen in the plan.

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