3570 Carmel Mountain Road
At Tidewater Financial, we understand the importance of good investment decisions for your well-being today and for peace of mind in the future. We honor the opportunity to work beside you in developing strategies for your financial independence. With nearly three decades of financial planning experience, we embrace the power of steady and consistent growth. We are dedicated to protecting your irreplaceable dollars—and we work to find solutions for your unique needs. Due to our vast experience serving retirees, families, business owners and athletes, we understand the complexities clients face in each stage of life.
When customizing plans, our team considers all of your circumstances—specific income needs, tax implications, cash flow, health conditions, risk factors, retirement timelines and more. Evaluating these factors, we make recommendations we believe will benefit you. Our advice is grounded in respect and honesty. We treat your assets with great care. We want to see you, your family and your businesses thrive.
Walter Valenzuela is the managing director of Tidewater Financial. Working from a sincere commitment to serve, Walter specializes in developing conservative growth strategies while preserving capital. He’s been making a positive difference in the lives of his clients and their families for nearly three decades.
After completing degrees in business finance and economics at SDSU in 1992, Walter began working in the financial industry. While finishing his economics degree, he did an internship at a financial institution and discovered a natural affinity for the work. He became a top producer at ML Stern, Southwest Securities and Hilltop Securities before founding Tidewater Financial.
Walter believes deeply in doing what’s right and works tirelessly to ensure his clients are on a path for financial security. He focuses on preserving clients’ irreplaceable dollars. He is especially skilled at helping clients living on fixed incomes. Professional, honest and dependable, Walter has developed an impeccable reputation of honesty from his years of dedicated service.
Walter grew up in San Francisco in a hard-working, close-knit Honduran family. A dedicated husband and father, he lives in Encinitas, California with his wife, Kimberly and their three children, Mateo, Joaquin and Talia. When he has free time, he enjoys outdoor activities with his family, especially biking, golfing and surfing.
Will Swanner is client liaison for Tidewater Financial. Specializing in consulting the financial professionals at Tidewater, Will adapts strategies to fit the unique financial and personal needs of each client. He is dedicated to helping clients reach their financial goals.
Will played baseball with the Colorado Rockies, fulfilling a lifelong dream to play professional baseball. He later made a career shift into finance, where he applies the discipline, hard work and patience he developed as a baseball player to helping clients develop financial security. He holds FINRA series security licenses 7 and 66.
Will personally understands the complexities athletes face in managing their income. After seeing many of his teammates lose millions of dollars, Will decided to dedicate his career to helping athletes understand the importance of having a long term plan. Helping them preserve their income is deeply satisfying. He cares about helping clients establish financial security and enjoys guiding them on their path.
Will lives in Cardiff by the Sea, California, a closely knit beach community. As a Southern California native, he enjoys the beach. He especially loves surfing and traveling. Will volunteers at the San Diego Humane Society.