Carter Financial, LLC
Data sourced from SEC public records (and other sources when available). Refreshed weekly • Updated today.
About
Carter Financial provides discretionary portfolio management and standalone financial planning to individuals, high-net-worth clients, trusts, estates and business entities, describing in its brochure the management of public and private securities including stocks, bonds, ETFs, options and mutual funds. The firm reports roughly $282 million in discretionary assets under management across a small advisory team and positions itself as a fiduciary to clients.
The firm’s stated investment process emphasizes fundamental analysis and multi-style asset allocation (including strategic, dynamic and core-satellite approaches), with portfolios continuously monitored and rebalanced to align with client objectives and risk tolerances. The brochure highlights a preference for ETFs and mutual funds in client portfolios while retaining the flexibility to use individual securities and options when appropriate.
Noteworthy details in the brochure include a recent ownership transition following the retirement of a founding principal and an unusually broad list of planning services (corporate and personal tax planning, cost segregation studies, corporate structure and real estate analysis) that go beyond typical retail financial planning. The firm also discloses that it advertises third‑party ratings and describes its reliance on Schwab Advisor Services for custody and institutional support, noting those arrangements as potential conflicts of interest.
Client services
Expertise
Fee options
Financial planning flat fees range from $1,500 to $5,000
Up to $350 per hour for financial planning services
Account minimum: $500,000 Minimum fee: Financial planning minimum fee generally $1,500
Main office
4225 Executive Square, Suite 1030
La Jolla CA 92037
Advisors at this office
2
Most active in
California · Colorado · Texas
Disclosures
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
Is not active or affiliated with:
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Insurance agent
They sell insurance products and may earn commissions on those sales.
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Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
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Bank
They're affiliated with a bank that may offer its own financial products and services.
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Trust company
They provide trust and estate administration services, typically for separate fees.
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Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
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Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
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Lawyer
They provide legal services, typically billed separately.
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Real estate agent
They facilitate real estate transactions and may earn commissions.
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Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Advisors at this firm
Christina H
CFP®, Series 66
La Jolla, CA
Carter Financial, LLC
Christina Hammann is a CFP® with 11 years of industry experience. She has worked at Carter Financial, LLC since 2019 and previously held roles at Charles Otto Gillespie dba Litton Financial and LPL Financial. She holds a Series 66 license and is based in La Jolla, CA. Carter Financial, LLC provides discretionary portfolio management and standalone financial planning services to individuals, high-net-worth clients, trusts, estates, and business entities. The firm employs a fundamental analysis and multi-style asset allocation approach, focusing on ETFs and mutual funds while utilizing individual securities and options as appropriate.
Heather Q
CFP®, Series 66, Series 65
La Jolla, CA
Carter Financial, LLC
Heather Quintero is a CERTIFIED FINANCIAL PLANNER™ at Carter Financial, LLC with 10 years of industry experience. She has worked at Wells Fargo Clearing, Clarity Wealth Advisors, and LPL Financial prior to joining Carter Financial in 2019. Carter Financial provides discretionary portfolio management and comprehensive financial planning services to individuals, high-net-worth clients, trusts, estates, and business entities. The firm employs fundamental analysis and multi-style asset allocation with a focus on ETFs and mutual funds while maintaining flexibility to use individual securities and options as appropriate.
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