# Heather Quintero

> Heather Quintero is a fee-only financial advisor at Carter Financial in La Jolla, California, who holds the CFP credential. Heather focuses on retirement planning, tax planning and estate & legacy planning. Carter Financial reports charging a percentage of assets and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/heather-quintero/
Built from SEC adviser records and the firm's website; last checked October 30, 2026.

## Facts

- **Firm:** Carter Financial
- **Based in:** La Jolla, California
- **Fee model (firm's Form ADV):** Percentage of assets; Fixed fees
- **Assets under management (firm):** $282.3M across 489 accounts
- **Credentials:** CFP
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning
- **CRD:** 6135757 (https://adviserinfo.sec.gov/individual/summary/6135757)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 65 (2020), Series 66 (2013)
- **Firm size:** 3 employees
- **Disclosures:** None reported
- **Website:** http://www.carterfinancialllc.com

## Frequently asked questions

### Is Heather Quintero a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: Heather holds no broker registration, and Carter Financial reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does Heather charge for financial advice?

Heather's firm, Carter Financial, reports charging a percentage of assets and fixed fees on its SEC Form ADV.

### Where is Heather Quintero based?

Heather Quintero is based in La Jolla, California.

### What does Heather specialize in?

Heather's specialties include retirement planning, tax planning and estate & legacy planning.

### What credentials does Heather Quintero hold?

Heather Quintero holds the CFP credential.

### Is Heather Quintero registered with the SEC?

Yes. Heather Quintero is registered as an investment adviser representative in CA (CRD 6135757), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Carter Financial manage?

Carter Financial reports $282.3M across 489 accounts in assets under management.

### How do I contact Heather Quintero?

Through Heather's website, www.carterfinancialllc.com.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/6135757): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026
- The firm's website (https://carterfinancialllc.com/): specialties, clients served, and fees, checked October 30, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.