Financial Planning and Investments
California Coast Credit Union is currently in the process of transitioning our Investment Program to Cetera Investment Services LLC. It’s important to note that while this transition is taking place your accounts and the assets invested in those accounts are safe and intact. Our Financial Professionals are available to assist you with any questions you may have during this transition period.
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
Our Financial Advisors bring the same wealth of knowledge, but are located in our Cal Coast branches. This 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
California Coast Financial Advisors
California Coast Credit Union has experienced and knowledgeable financial advisors available to meet with you in our credit union branches. Whether you are just starting 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 Advisors for a consultation in a branch office near you, please call us at (858) 495-1625.
Sandra Torres, CRPC®, Financial Advisor
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) 253-2688.
Kurtis Anderson, Financial Advisor
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 registrations.
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.
Registered to do securities business in CA and CO.
To schedule your complimentary, no obligation consultation, call (858) 322-1384.
Richard Boyd, APMA®, CFP®, Financial Advisor
Richard Boyd, APMA® is a Financial Advisor at California Coast Financial Services. Notably, Richard is a Certified Financial Planner (CFP®) practitioner and an Accredited Portfolio Management Advisor (APMA®). 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. 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, Financial Advisor
June-David "J.D." Caalaman is a Financial Advisor at California Coast Financial Services. He began his career in finance as a teller for California Coast Credit Union and has progressed into the position he is in today. J.D. specializes in providing financial guidance in a way that is accessible and understandable to anyone he meets with. Holding his Series 7 and 66 registrations, he is well-prepared to assist clients with their financial needs and achieve their financial goals.
J.D. is committed to helping clients navigate their financial journey with transparency and confidence. He wants his clients to understand and feel empowered by their financial decisions. Whether it's planning for major life events or building wealth for the future, J.D. is here to provide his services.
CA Insurance License # 4274511
Registered to do securities business in CA.
To schedule your complimentary, no obligation consultation, call 858-203-5737.
Check the background of this investment professional on FINRA’s BrokerCheck
Located at: 898 Jackman St, El Cajon, CA. 92020 (858) 495-1600
Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered.
Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.
Click here to view Cetera Investment Services Important Information, Privacy Policy and Business Continuity Plan.
This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at www.ceterainvestmentservices.com
