Heather Quintero
Carter Financial · La Jolla, California
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.
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Specialties
Facts
| Firm | Carter Financial |
|---|---|
| Based in | La Jolla, California |
| Fee model (firm's Form ADV) | Percentage of assets · Fixed fees |
| Assets under management | $282.3M across 489 accounts |
| Credentials | CFP |
| SEC registration | Investment adviser representative in CA · CRD 6135757 |
| Exams passed | Series 65 (2020) · Series 66 (2013) |
| Firm size | 3 employees |
| Disclosures | None reported |
| Website | www.carterfinancialllc.com |
| Profile |
How Heather's firm compares
- Carter Financial's average account is about $577,000, from its Form ADV (assets managed divided by 489 accounts).
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Questions about Heather
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.
What these terms mean: fee-only · fiduciary · CFP · CRD number · all terms
Where this information comes from
- SEC adviser records : 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
- Carter Financial website : specialties, clients served, and fees, checked October 30, 2026
- SEC Investment Adviser Public Disclosure : registration, exams, and the firm's Form ADV, data as of October 29, 2026
- Directory listing last checked October 30, 2026.
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