California Coast Financial Services

Schedule an appointment with a Cal Coast Financial Services Advisors to help navigate the market and develop a customized strategy. 

How Can We Help You Achieve Your Goals?

Our experienced and knowledgeable Financial Advisors offer industry experience and personalized service, designed to help you pursue your financial needs and goals — all in the convenience of a Cal Coast branch. 

Local and Honest Consultation

Unlike advisors in many large brokerage firms or banks, our Financial Advisors bring the same wealth of knowledge, but are located in our Cal Coast branches. Being a Credit Union allows us to spend the necessary time with each member - really getting to know your financial situation, goals and needs so you'll never feel  rushed. Our advisors are problem solvers so you'll never get out-of-the-box solutions that may not make sense for you or your loved ones. Our commitment is to your best interest, not ours, so rest assured that the advice you receive from our advisors is confidential and secure. 

 

Financial Planning Services

  • Retirement Planning
  • College Savings
  • Income/Distribution Planning
  • Tax-advantaged Investments
  • IRAs, Roth IRAs, 401(k) and 403(b) Plans

  • Mutual Funds, Stocks and Bonds
  • Fixed, Indexed, and Variable Annuities
  • Long Term Care Insurance
  • Trust and Estate Planning

Free Portfolio Risk Analysis

California Coast Financial Services Advisors

California Coast Financial Services has experienced and knowledgeable financial advisors available to meet with you in our credit union branches. Whether you are just starting off or are a seasoned investor, our financial advisors will provide you with the steps needed today to work toward securing your retirement for tomorrow.

To meet with one of our California Coast Financial Services Advisors for a consultation in a branch office near you, please call us at (858) 495-1625.

Sandra Torres, CRPC®, Financial Advisor

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Sandra Torres is a Financial Advisor for California Coast Financial Services. Sandra is a seasoned industry veteran with over 20 years of financial services experience. She offers a wealth of knowledge and experience to help her clients pursue their financial goals.Sandra has a client-focused approach to financial planning and offers objective, unbiased advice and service. Specializing in retirement planning, she works closely with clients to develop customized financial strategies that incorporate 401K rollovers, lump sum rollovers, IRA management, pension selection and pension maximization.

Sandra is committed to financial literacy and enjoys sharing her knowledge and experience with individuals and groups on such topics as asset allocation, retirement planning, financial management, college planning and succession planning. She firmly believes that education can help individuals make sound financial decisions and takes every opportunity to ensure that her clients are well informed.

Sandra earned a Bachelor’s in Business Administration from the University of Phoenix. She currently holds her Series 2, 7, 9, 10, 63, and 65 registrations. In addition, she is a Chartered Retirement Planning Counselor (CRPC®).

CA Insurance License # 0C06947

Registered to do securities business in CA, AZ, CO, IA, MD, MO, MT, NC, NJ, NM, NV, NY, OH, TX, VA, and WA.

To schedule your complimentary, no obligation consultation, call (858) 636-4248.

Kyle Johnson, AAMS®, CFP®, Financial Advisor

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Kyle Johnson, AAMS®, CFP® is a Financial Advisor for California Coast Financial Services.

Kyle earned a Bachelor of Arts degree in Business/Economics with an emphasis in Accounting from the University of California, Santa Barbara. In addition to his Certified Financial Planner (CFP®) and  Accredited Asset Management Specialist (AAMS®) designations he currently holds his Series 7 and 66 registrations as well as the CA life and health insurance license.

In addition to his years of specialized education, Kyle has been working in finance, accounting and investing since 2010. His years of real world experience across multiple industries has uniquely equipped Kyle with the tools needed to educate and empower his clients on their financial journey. Whether you’re an individual, business owner or family, Kyle dedicates time to engage with clients, crafting unbiased, comprehensive financial plans tailored to their individual needs, goals, and risk preferences. From risk assessment and portfolio analysis to investment, college savings, retirement, asset allocation, and succession planning, Kyle covers the spectrum of financial services. Kyle is passionate about making a positive financial difference for his clients and is committed to ensure that anyone that walks into his office will be in a better place when they leave.

CA Insurance License # 0L67486

Registered to do securities business in CA, AZ, FL, ID, IL, and TX.

To schedule your complimentary, no obligation consultation, call (858) 636-4241.

Kurtis Anderson, Financial Advisor

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Kurtis Anderson is a Financial Advisor for California Coast Financial Services. Through his career as an advisor, he prides himself on educating clients, nurturing a collaborative environment, and empowering clients to reach their goals. Some of his specializations include tax and estate planning, investment portfolio management, employer-sponsored plans, retirement planning, and behavioral finance. Kurtis currently holds his series 7 and 66 licenses and is pursuing his CFP® certification.

Kurtis earned his Bachelor of Arts degree in business from the University of Colorado. He is a Marine Corps veteran and is passionate about giving back to his communities. In his spare time, he helps the San Diego Padres organization with downtown cleanups and local charity events. Kurtis is also an avid sailor, golfer, and outdoorsman.

CA Insurance #: 4168392

Registered to do securities business in CA and CO.

To schedule your complimentary, no obligation consultation, call (858) 322-1384.

Richard Boyd, APMA®, Financial Advisor

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Richard Boyd, APMA® is a Financial Advisor at California Coast Financial Services. With an Economics degree from University of Colorado and over a decade of experience in the finance realm, Richard possesses deep expertise in comprehensive financial planning, encompassing tax and estate planning, investment management, business planning strategies, and distribution planning. Notably, Richard proudly holds the Accredited Portfolio Management Advisor Designation (APMA®) and is in the process of completing his CFP®. Additionally, he holds the Series 6, 7, 63, and 65 registrations, along with a California life and health insurance license (CA #0M39354). 

Richard's philosophy is rooted in building and fostering financial confidence. He believes in a holistic approach to wealth management, emphasizing individualized planning, proactive asset management, and seamless coordination with third-party partners, when necessary. Richard values long-term client engagements, assisting families through life's myriad of challenges and opportunities. He specializes in comprehensive, holistic planning rather than transactional advice.

Outside the office, Richard is an avid outdoorsman. Accompanied by his long-time girlfriend and their dog, Boulder, he relishes activities like hiking, fishing, and camping. Additionally, Richard is a sport enthusiast and can often be found watching football, playing golf and coaching his youth lacrosse team in La Jolla, California. He enjoys traveling and seeing different areas of the United States any chance he gets.

CA Insurance #: 0M39354

Registered to do securities business in CA.

To schedule your complimentary, no obligation consultation, call (858) 239-3886

June-David (J.D.) Caalaman, Administrative Assistant

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June-David (J.D.) Caalaman is an Administrative Assistant for California Coast Financial Services. J.D. started off as a Teller for Cal Coast before being promoted to a Personal Financial Representative. He is adept at identifying member’s needs and building long lasting relationships. During his time with Cal Coast, J.D. has specialized in helping members achieve their financial goals by delivering exceptional service, assistance with their loans/accounts and additional products. 

J.D. aspires to be a Financial Advisor so that he can continue to guide members towards their financial goals. He currently holds his SIE license and his Series 7.

Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.

Securities offered through Securities America, Inc., Member FINRA/SIPC. Advisory services offered through PFG Advisors. California Coast Financial Services, California Coast Credit Union, Securities America, and PFG Advisors are separate entities. Securities America and its representatives do not provide tax or legal advice. Trust services provided by Premier Trust, a subsidiary of Ladenburg Thalmann.

CLICK HERE FOR A COPY OF PFG ADVISORS' RELATIONSHIP SUMMARY (FORM CRS)
CLICK HERE FOR A COPY OF SECURITIES AMERICA, INC'S RELATIONSHIP SUMMARY (FORM CRS)

Free and simple tools are available to research firms and financial professionals at INVESTOR.GOV.CRS, which also provides educational materials about broker-dealers, investment advisors, and investing.

Not NCUA Insured Not Credit Union Guaranteed May Lose Value

This site is published for residents of the United States and is for information purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security or product that may be referenced herein. Persons mentioned on this website may only offer services and transact business and/or respond to inquiries in states or jurisdictions in which they have been properly registered or are exempt from registration. Not all products and services referenced on this site are available in every state, jurisdiction or from every person listed.

This communication is strictly intended for individuals residing in the states of CA, AZ, CO, FL, ID, IL, IA, MD, MO, MT, NC, NJ, NM, NV, NY, OH, TX, VA, and WA. No offers may be made or accepted from any resident outside the specific state(s) referenced.

Make an Appointment

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