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Tess Garcia

Wealth Management Banker - U.S. Bank

Professional designations, credentials and licenses

NMLS 679183

Clients I specialize in: Business owners, Nearing retirement, Medical Professionals

It is my pleasure to serve the financial needs of people in Rancho Bernardo and Poway. My experience in the financial industry started in 2001 and I became a Wealth Management Banker in 2023.

I want to make managing your finances as easy as possible for you. As your Wealth Management Banker, I will partner with an investment professional to bring you a holistic approach to financial management. We will collaborate to understand your financial situation and propose personalized strategies to help you work toward your financial goals.

Outside of work, I volunteer with the Del Norte High School Music Program and serve as a board member of the Aztec Parent Advisory Board. In my free time, I enjoy playing the piano and supporting my children in their goals.

Services I specialize in

To support your personal or business needs we offer a range of premier banking products, financing options and exclusive benefits, plus 24/7 account management through digital channels.

Liquid asset secured financing – a line of credit secured by eligible assets in your investment account – can be useful when you want to generate cash flow quickly for a financial opportunity or challenge.

From purchasing a first home to financing investment property, we have your mortgage needs covered with a variety of loan options, plus information to support you on your homebuying journey.

A home equity line of credit, or HELOC, works like a credit card that’s secured by the equity you have in your home, and can be a cost-effective way to pay for major purchases.

Whether a loan, line of credit or other financing alternative is the best fit for what you’re working to achieve, we’ll help you review your options and create a funding plan.

Lines of credit that are secured (meaning guaranteed by collateral such as your home) or unsecured can be a good option if you need ongoing access to funds or don’t know the full cost of an upcoming project.

Contact

858-673-4739

Primary office

16880 Bernardo Center Dr
San Diego, CA, 92128

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Skills

About Wealth Management from U.S. Bank and U.S. Bancorp Advisors

Our integrated wealth management approach gives you access to a dedicated advisor, backed by a team of specialists. We offer financial strategies to individuals and families across a wide range of wealth levels. Our U.S. Bank specialists offer banking, trust and investment support while our U.S. Bancorp Advisors professionals focus on investments, planning and insurance.

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FAQ

Working as your partner, U.S. Bank Wealth Management can develop strategies to help you optimize the management, preservation, and growth of your working capital. We do this by:

Understanding your financial goals and what’s important to you
Developing strategies for maintaining access to cash as you explore new opportunities
Using customized credit options that focus on your specific goals
Providing tools that can help streamline your daily banking activities and complement other aspects of your financial life

Wealth Management Bankers advise you on creative ways to manage both your assets and liabilities. This may include custom credit and loans, mortgage services, jumbo loans, home equity lending, secured lines of credit, and loans, including liquid asset secured financing and more.

We’re happy to meet with you virtually or in person. It’s up to you.