Cathy L. Fitzpatrick
Tax & Financial GroupAFFILIATED WITH CETERA INVESTMENT ADVISERS LLC
NEWPORT BEACH, CA 92660
Some features on this profile are disabled
CRD#: 1125871
Professional summary
Cathy Lynn Fitzpatrick, CFP®, who also goes by Cathy Lynn Heinze, is a registered financial advisor currently at CETERA INVESTMENT ADVISERS LLC located in Newport Beach, California and CETERA WEALTH SERVICES, LLC located in Newport Beach, California.
Cathy is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1983. Cathy has worked at 6 firms and has passed the Series 63, SIE, Series 7, Series 22 and Series 6 exams.
Biography
I believe that everyone deserves financial security. My goal is to educate you on the tools and behaviors that will build and protect your wealth.
Sometimes individuals I first meet with are paralyzed by fear or procrastination due to confusion on what to do next. With 25+ years of investment experience, I have been through down markets and have learned firsthand how market volatility may affect your savings and retirement. I’m a SmartVestor Pro with a teaching heart. I help guide people to the path of financial freedom.
I act as a Fiduciary with fee-based investment platforms through our Registered Investment Advisor (RIA), Cetera Investment Advisors LLC and through Comprehensive Financial Planning covering:
• Retirement Planning, including Retirement Income Planning, if applicable
• Investment Strategies
• Estate Planning and Legacy Planning
• Tax Planning
• Risk Analysis which includes: Long Term Care, Disability and Life Insurance Needs
• College Funding for children or grandchildren
I joined Tax & Financial Group (TFG) in 1990 and have stayed at TFG due to our high level of client support with CPAs, attorney and investment professionals on staff.
As a female financial advisor in a male dominated business, I tend to attract female clients, specifically women who find themselves in the unfamiliar situation of divorce or becoming newly widowed. I believe that my calm and patient style helps clients feel confident and relaxed in their meetings.
I loved my years at the University of New Hampshire and graduated with a Bachelor of Science Degree in Business Administration with a minor in Economics. Growing up with an accountant father and my mom as a nurse, I have a head for numbers and a heart for people! I believe in giving back to the community and am very active in many organizations, I am a Board Member of the Girls Scouts of Orange County, I am also on the Advisory Board for WISE- Women Investing in Security and Education, A non-profit that educates women and girls on important financial concepts. I am also passionate about our firm’s annual charity event benefitting the Make-A-Wish Foundation. I am married to Pat with two adult children and live in south Orange County. On weekends you can find me gardening, spoiling my animals and spending time with family.
Question & Answer
What are your service offerings?
Retirement Planning
Employee and Employer Plan Ben...
Comprehensive Financial Planni...
Investment Planning
Estate Planning
Tax Planning
Insurance Planning
Do you have an area of expertise or specialization?
Comprehensive Financial Planni...
Attending College
401(k)/403(b)/IRAs
Annuities
Asset Allocation
Career Change
Estate Planning
Investment Management
Employee Benefits
Getting Divorced
Mutual Funds
Insurance
Retirement
Stocks & Bonds
Life Planning
Long-term Care
Succession Planning
Sudden Wealth
Special Needs
Women's Finances
How do you get paid?
Commission and Fee
Are you a "fiduciary"?
Yes
Aliases
Cathy Lynn Heinze
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
1) WISE- WOMEN INVESTING IN SECURITY AND EDUCATION POSITION: Advisory Board NATURE: Volunteer/Community Outreach INVESTMENT RELATED: Yes NUMBER OF HOURS: 4 SECURITIES TRADING HOURS: 0 START DATE: 06/12/2023 ADDRESS: 23705 Birtcher Drive, Lake Forest CA 92630, United States DESCRIPTION: This is a charity to educate women and girls about the importance of financial security. From the website: "The Vision of WISE is to facilitate the financial education of all women and girls so they may: acquire skills, tools and the mindset to improve their financial status network with other women with similar financial needs and goals, and secure their personal financial freedom" I am an Auxiliary Board Member meaning I am not responsible for making all the board meetings or have any financial obligation to donate to the charity. My duties are to be the go-between the Girl Scouts of Orange Co and WISE by reminding GSOC that WISE would like to help educate the Girl Scouts about money matters, like saving and budgeting. 2) GIRL SCOUTS OF ORANGE COUNTY POSITION: Advisory Board NATURE: Board Member INVESTMENT RELATED: Yes NUMBER OF HOURS: 3 SECURITIES TRADING HOURS: 0 START DATE: 03/24/2021 ADDRESS: 9500 Toledo Way, Irvine CA 92618, United States DESCRIPTION: I am a "member at large" on the board of the Girl Scouts of Orange County. I am not on the executive committee, so no real responsibility except to either raise money for GSOC, write a check or give an "in-kind" donation of $5,000 per year. 2023 - I am now on the Finance Committee and the Audit committee. I do not touch money, all I do is listen to the CFO of GSOC and ask questions on the financial activity of the charity, and vote to pass the budget etc. May 2023- I did facilitate a securities client's donation of an unwanted timeshare to be auctioned off by GSOC. 3) NAME OF OTHER BUSINESS: TAX & FINANCIAL GROUP, INVESTMENT RELATED: YES, ADDRESS: SAME AS REGISTERED LOCATION, NATURE OF BUSINESS: FINANCIAL SERVICES, START DATE: 08/2023, POSITION/TITLE/RELATIONSHIP: FINANCIAL PROFESSIONAL, APX NUMBER OF HOURS PER WEEK: 40, APX NUMBER OF HOURS DURING TRADING HOURS: 30, BRIEF DESCRIPTION OF DUTIES: DBA FOR FINANCIAL SERVICES;
CRS (Client Relationship Summary) - RIA
Click below to view Cathy Lynn Fitzpatrick's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
CFP®
Start date: 1987
Experience
Current
August 10, 2023 - Present
CETERA INVESTMENT ADVISERS LLC
Office #1: 4001 Macarthur Blvd Ste 300, Newport Beach, CA 92660RIA
CRD#: 105644
NEWPORT BEACH, CA
Current
August 10, 2023 - Present
CETERA WEALTH SERVICES, LLC
Office #1: 4001 Macarthur Blvd. 3rd Floor, Newport Beach, CA 92660BD
CRD#: 13572
Newport Beach, CA
Past
February 12, 2003 - August 10, 2023
SECURIAN FINANCIAL SERVICES, INC.
RIA
CRD#: 15296
NEWPORT BEACH, CA
Past
December 10, 1990 - August 10, 2023
SECURIAN FINANCIAL SERVICES, INC.
BD
CRD#: 15296
NEWPORT BEACH, CA
Past
May 4, 1989 - June 13, 1990
PLANMEMBER SECURITIES CORPORATION
BD
CRD#: 11869
CARPINTERIA, CA
Past
June 19, 1984 - November 10, 1988
LINCOLN FINANCIAL DISTRIBUTORS, INC.
BD
CRD#: 145
Past
May 27, 1983 - June 5, 1984
SIGNATOR INVESTORS, INC.
BD
CRD#: 468
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
Registered Investment Advisory firm - (1/13/1984 Approved)State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.RR
indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.Visual representation of state registrations
RR
Arizona(8/10/2023)
RR
California(8/10/2023)
IAR
California(8/10/2023)
RR
Colorado(8/10/2023)
RR
Connecticut(8/10/2023)
RR
Idaho(8/10/2023)
RR
Illinois(7/22/2025)
RR
Maryland(8/10/2023)
RR
Massachusetts(8/10/2023)
RR
Minnesota(9/25/2025)
RR
North Carolina(11/19/2024)
RR
Ohio(8/10/2023)
RR
Pennsylvania(8/10/2023)
RR
Washington(12/3/2024)
Exams
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
SRO Registrations
RR
FINRA
Current Firm
CI
CETERA INVESTMENT ADVISERS LLC
CETERA ADVISOR NETWORKS | TERRA FINANCIAL PLANNING GROUP LTD | GENWORTH FINANCIAL ADVISERS CORPORATION | FIRST ALLIED ADVISORY SERVICES | CETERA INVESTMENT ADVISERS LLC | CETERA ADVISORS
CRD#: 105644 / SEC#: 801-20406
RIA
Registered Investment Advisory firm - (1/13/1984 Approved)Upgrade to AdvisorCheck Premium
Get A Biweekly Pulse, AutomaticallyReceive biweekly alerts automatically. Stay informed and proactive.
Catch Firm-Level Red Flags SoonerCatch leadership changes and disclosures early, before issues escalate.
See Trends. Not Just SnapshotsMonitor firm stability metrics like AUM and advisor ratios over time.
Contact information
Main Address
1450 American Lane 6th Floor, Suite 650, Schaumburg, IL 60173-2096
Mailing Address
Phone number
(310) 257-7880
Established
Firm type
Fiscal year end
# of Employees
7,705
SEC notice filing (53 States and Territories)
Regulatory assets under management
| Total Number of Accounts | 584,487 |
| AUM (Assets Under Management) | $ 163,792,814,520 |
Accountant surprise examination report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 10/27/2025 | ||
| 12/13/2024 | ||
| 09/26/2023 | ||
| 11/18/2022 |
Red Flags
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.
Check for any disclosures as part of your thorough research when choosing an advisor.
Company Information
CETERA INVESTMENT ADVISERS LLC
CRD#: 105644Newport Beach, CA 92660DBA Information
Tax & Financial Group
TRUST BUT VERIFY
Monitor Cathy Fitzpatrick
Get automatic monthly alerts on:Job or Firm Moves
Licensing Changes
Client Complaints
New Red Flags
Contact Information Updates
Contact information
(xxx) xxx-xxxx
xxxxx@xxxx.xxx
