Steve has maintained a Wealth Management practice for over thirty years in the UTC/Golden Triangle area and advises over 140 individual, corporate and qualified plan clients with over $200 million in assets under advisement. Steve has a Masters in Business Administration (MBA) in Finance from the University of San Diego and a Bachelor of Science degree in Economics from the University of California at Davis. He has held the CERTIFIED FINANCIAL PLANNER­™ (CFP®) designation since 1988.

Prior to joining the firm Teresa had 18 years of experience in the tax preparation, title insurance and lending sectors.

In Teresa’s 13-year career with Carter Financial she has dedicated herself to getting to know our clients and their individual needs. She enjoys keeping up to date with our client’s lives. Ultimately it enhances our relationship with our clients from all backgrounds to find a common ground to meet their financial goals. She is on her second Notary Commission and is available to notarize forms and documents for our clients at their request. She is bilingual in Spanish. Out of the office she enjoys spending time with her grandkids, family and visiting her mom at their family’s ranch in Tecate, MX.

Christina joined Carter Financial in 2014. As Financial Planning Manager, she is passionate about designing customized personal financial plans for clients who are focused on financial independence. She is involved at all levels of tailoring wealth advisory services. Christina also serves as Chief Compliance Officer (CCO) for Carter Financial, LLC. She attended San Diego State University where she earned a degree in Economics. She resides in Solana Beach with her husband, Tyler and daughter, Hannah.

Heather is our Client Services Representative. She began working in finance in 2012 with Carter Financial before moving out of the area with her family. She has significant experience working at fiduciary wealth management firms in the San Francisco Bay Area. Heather maintains a high standard of care for clients, a mastery of operations, and a personal sense of responsibility and accountability reflected in her daily interactions with clients.

Outside of work she enjoys spending time with her husband, two daughters, and their dog. They can often be found at their local parks or pizza joints.