California Coast Financial Services

Our advisors are here for you. Schedule an appointment with a Cal Coast Financial Advisor 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 Cal Coast branch locations. 

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
  • Life Insurance
  • Long Term Care Insurance
  • Trust and Estate Planning

Free Portfolio Risk Analysis

Cal Coast Financial 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 Financial Advisors for a consultation in a branch office near you, please call us at (858) 495-1625.

Sandra Torres, CRPC®, Financial Advisor

Sandra Torres' pictureSandra 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

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

Reynaldo Perez, Financial Advisor

Reynaldo Perez's pictureReynaldo Perez is a Financial Advisor for California Coast Financial Services. Rey offers his clients industry expertise and is committed to providing personalized full service planning. He helps clients pursue their financial goals by providing a comprehensive financial assessment and assisting with services such as retirement planning, income distribution, tax-advantaged investments, fixed and variable annuities, rollover strategies and trust and estate planning.

Rey earned a Master of Business Administration with an Accounting Graduate Certificate from the University of Phoenix and also earned his Bachelors of Science degree in Sociology/Law Society from the University of California Riverside. He currently holds his Series 7 and 66 registrations.

CA Insurance License # 0M35757

To schedule your complimentary, no obligation consultation, call (858) 636-4260. Speaks English and Spanish.

Kyle Johnson, AAMS®, Financial Advisor

Kyle Johnson's pictureKyle Johnson, AAMS®is a Financial Advisor for California Coast Financial Services. His education and experience in the finance and investment industry gives him the ability to educate and assist clients with their financial goals. Kyle takes his time and engages with clients to create unbiased comprehensive financial plans based on their unique needs, goals and risk tolerance. Kyle specializes in a wide range of services such as risk evaluation, portfolio analysis, investment planning, college savings and retirement planning, asset allocation and succession planning.

Kyle earned a Bachelor of Arts degree in Business/Economics with emphasis in Accounting. He currently holds his Series 7 and 66 registrations.

CA Insurance License # 0L67486

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

 David Lautz, AIF®, Financial Advisor

David Lautz is a Financial Advisor for California Coast Financial Services. For over 25 years, David has helped his clients with their financial needs. Understanding their goals, income needs, and financial situation allows him to create a comprehensive personalized financial plan and provide investment guidance. David specializes in retirement income, wealth transition/estate, and business succession planning. 

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.

Make an Appointment

To set up an appointment with a Financial Advisor, please complete this form.