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Kitty Chow-Santiago

Wealth Management Banker - U.S. Bank

Professional designations, credentials and licenses
NMLS 1058114
headshot of Kitty Chow-Santiago
Clients I specialize in: Modern families, New investors, Nearing retirement

It is my pleasure to serve the financial needs of people in Del Mar, Carmel Valley, and San Diego. My experience in the financial industry started in 2012 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.

In my free time, I enjoy spending time with my kids and family and going on adventures. I love to try new places to eat and experiencing different tastes and cultures.

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.

Cash and cash equivalents offer liquidity and a source of emergency funds, but the role cash should play in your portfolio varies based on your spending needs, risk tolerance and investing timeframe.

Primary office
2830 Via De La Valle
Del Mar, CA, 92014
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Skills

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

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 Investments professionals focus on investments, planning and insurance.

Meet our team

Ridgedale offers a customized wealth planning approach where the focus is on helping you achieve your version of success.
Meet Ridgedale
headshot of Marena Tufenkjian

Marena Tufenkjian

Wealth Management Advisor,
U.S. Bancorp Investments

Insights from our experts

Market news

Stay on top of the changing U.S. and global markets with our market news page. Dive deeper with our daily market analysis, volatility updates and frequent market teleconferences with U.S. Bank investment experts.

Financial planning

Financial planning for major purchases and life goals is critical to successful wealth management. Whether you're buying a car, saving for college, buying a home or covering major unexpected expenses easily. U.S. Bank and U.S. Bancorp Investments are here to help with financial planning each step of the way.

Cash management and investing strategies when interest rates are elevated

A fresh look at managing cash and investments in today’s higher interest rate environment.

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.

Disclosures