Cal Coast Financial Services: About Us

About Us

Serving Southern California, our experienced team provides personalized financial guidance, backed by a credit union that has been part of Southern California communities for over nine decades. Client-centered care is a core part of our history, and we’re dedicated to building long-term relationships while offering tailored strategies to help you navigate life’s milestones and achieve what you want most in life.

Lasting Relationships for Lifelong Wealth

At Cal Coast Financial Services, we believe in building trusted, long-term relationships with our clients. Backed by a long history of service, we offer guidance and financial strategies that grow with you, making sure you feel supported and confident as your life and needs change.

Confidently Make Informed Decisions

It’s natural to wonder if you’re on track with your financial goals. We focus on educating you by explaining the reasoning behind every recommendation we make, helping you see the bigger picture, and have confidence you are making informed choices that align with your long-term vision.

A Team You Can Count On

Our diverse team, located in and around Southern California, is here to support you at every stage, from starting out to retirement, helping you achieve your goals with personalized guidance and decades of experience.

Ramon Baez

Financial Advisor

Elizabeth McQuade

Financial Advisor

Michael Montgomery

Financial Advisor

Caroline Ramirez

Administrative Associate

Our Core Values

Our beliefs shape everything we do, from how we build relationships to how we help you reach your goals.

Trusted Advisors for Life

From starting out to nearing retirement, clients want someone to rely on for life’s journey. We look at the big picture and lean on decades of credit union experience to stay on top of their goals at any age.

Educational Approach

Many clients wonder if they’re on track with their goals. We educate them early and often to help them better understand the why behind every investment and feel empowered to make the best decisions.

Community Oriented

We share the same community-first values as our clients. That means offering a more personal and client-focused experience with genuine guidance to help fulfill their goals for every life stage.

Planning-Focused Process

Our process goes beyond asset management. We work with clients to understand what matters most, then offer solutions to navigate life’s challenges and maximize opportunities.

Focused Plans Driven by Your Goals

Our planning-focused process goes beyond managing assets. We work closely with you to understand what matters most, offering customized solutions to navigate financial challenges and maximize opportunities. By focusing on education and long-term strategies, we create a financial plan that grows with you and adapts to your evolving goals.

By Your Side Today, Supporting Your Wealth Goals for a Lifetime

Our long-standing commitment to client success allows us to provide tailored strategies, educational resources, and long-term guidance, helping you maximize your investments and make informed decisions about your assets. Connect with our advisors today to begin your journey toward financial confidence.

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Working Alongside

California Coast Credit Union has partnered with Cetera Investment Services to provide members access to non-deposit investment products. These offerings are branded under Cal Coast Financial Services (CCFS). Please note that neither California Coast Credit Union nor CCFS is a broker-dealer. As such, the products and services provided through CCFS and Cetera Investment Services are not NCUA-insured and may lose value.

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Who We Serve

We serve a diverse range of clientele throughout Southern California providing personalized financial guidance to help achieve your unique goals.

See Our Clients

Our Approach

Our team focuses on education and personalized planning, guiding you through financial decisions with tailored strategies and a commitment to your long-term success.

Discover Our Approach

Contact Us

Get in touch with our advisors to discuss your financial journey. We're here to listen, understand your needs, and provide personalized strategies to help you achieve your financial goals.

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