Lasting relationships. For all that matters

Torrey Pines Wealth Management Photo

Where are you today and where do you want to be tomorrow? We recognize that a lasting relationship starts by listening and understanding your priorities and concerns. We'll work together to look at the big picture, discuss your vision for the future and help you confidently pursue your life goals.

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Pursuing your goals together

Our mission is to provide quality strategies customized to your needs. Our goal is to be your primary source of financial advice. To this end, we concentrate our efforts on developing long-term relationships through a commitment to quality client service.

  • Steven DeMatteo Profile Photo

    Steven DeMatteo

    Senior Vice President–Wealth Management

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    • AK
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    • IN
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    • NY
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    Steve is a founding partner of Torrey Pines Wealth Management, a UBS Signature Team.  Together with his team, Steve designs comprehensive wealth management solutions - including strategic asset allocation portfolios, business exit-planning strategies and wealth preservation solutions- for a select group of business owners, executives and high net worth families.

    Steve has profound experience in the wealth management industry - successfully helping clients exit their companies, retire comfortably, and securely pass their wealth along to future generations. He is dedicated to lifelong learning and professional development and has earned the Wealth Advisor and Certified Exit Planning Advisor (CEPA) designations. 

    Steve has earned an M.B.A. in Advanced Finance from the University of South Florida and a B.A. in International Relations from Tulane University, where he studied abroad at the University of Cambridge, England.  Prior to his career in wealth management, Steve served as a helicopter pilot in the Marine Corps where he was decorated for performance in peacetime, humanitarian and combat operations. Steve recently retired as a Lieutenant Colonel after twenty-three rewarding years of active duty and reserve service.

    Steve and his family reside in Rancho Bernardo.  Steve enjoys giving back to his community and is an inductee into the Rancho Bernardo Hall of Fame in recognition of his leadership and community service.  In his leisure time, Steve enjoys open-water swimming, playing tennis, traveling with his family and listening to live music.

    • Forbes Best-in-State Wealth Advisors, 2021, 2022The Forbes rating is compiled by Shook Research and awarded annually in April based on information from a 12 month period ending June of the prior year.

      • Certified Exit Planning Advisor
      • Wealth Advisor
      12220 El Camino Real
      Suite 400
      San Diego, CA 92130
    • Chelsey Davene Frate Profile Photo

      Chelsey Frate

      Financial Advisor

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      • AK
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      • ID
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      • WA

      Chelsey is a Financial Advisor with Torrey Pines Wealth Management in Carmel Valley, CA.  Chelsey has in-depth knowledge of the many financial planning solutions that can be tailored to address clients' individual priorities. Using a holistic view, she guides clients through the financial planning process as they evaluate their life goals and how to help them formulate them into a successful legacy. Chelsey's philosophy focuses on listening in order to understand what is most important to clients now and in the future.

      Prior to joining TPWM, Chelsey worked exclusively as a Wealth Planning Associate, developing a reputation for working with advisors and affluent clients to create plans that delivered customized advice and solutions. Prior to joining UBS, Chelsey was an Analyst in the Capital Markets Group at Citizens Bank in Boston. There she focused on originating, structuring and executing debt capital market transactions to support acquisitions, leveraged buyouts, dividend recapitalizations, restructurings and refinancing across a broad range of industries for middle market businesses.

      Chelsey earned a A.B. in Economics from Harvard College along with a citation in French. While at Harvard, she was a member of the varsity lacrosse team and co-captain during her senior year. In addition she holds the Series 7 and 66 securities licenses, the California life and health insurance license and is an Accredited Wealth Management Advisor.

      Chelsey lives in Point Loma with her husband, Danny, and English Bulldog, Flash. She enjoys volunteering with Flash at the Helen Woodward Animal Center in their Pet Encounter Therapy Program. She also serves on the Emerging Leaders Advisory Board with the North San Diego Business Chamber. In her spare time, she enjoys riding bikes to the beach and trying new restaurants in San Diego!

        • Harvard College, A.B. in Economics, French Citation: 2010 - 2014
        • Accredited Wealth Management Advisor℠
        12220 El Camino Real
        Suite 400
        San Diego, CA 92130
      • Debra Deneen Avina Profile Photo

        Debra Deneen Avina

        Senior Client Associate

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        • AK
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        DeNeen is a Senior Registered Client Service Associate with Torrey Pines Wealth Management. Her primary responsibilities include leading the team's day to day operations and providing superior client service. She is most passionate about working with clients through all stages of the financial planning process and has shown excellence when taking care of client needs through personalized interactions. DeNeen is instrumental to the success of Torrey Pines Wealth Managements' processes and systems. 

        DeNeen has over 25 years of experience in the financial services industry. She started in the industry in 1993 as an office assistant and then went on to work with an independent brokerage firm for 15 years, where she helped build a thriving practice. Prior to joining UBS in 2017, DeNeen worked as a Portfolio Associate with Morgan Stanley for 9 years. DeNeen holds her Series 7, 63, and 66 licenses. 

        DeNeen grew up in San Diego and resides in Carlsbad with her husband, Mike. In her leisure time, she enjoys outdoor activities and spending time with her three daughters and grandchildren.

              12220 El Camino Real
              Suite 400
              San Diego, CA 92130
            Retirement planning

            Retirement planning

            Multigenerational planning

            Multigenerational planning

            Advice for business owners and entrepreneurs

            Advice for business owners and entrepreneurs

            Legacy—Wealth for others

            For needs that go beyond your own—to help you improve the lives of others

            What will your legacy be?
            It’s never too early to plan ahead. A Legacy strategy can help you gain more control over your financial future and what you leave behind, so you can move forward with confidence.

            Learn more at ubs.com/wealthway.

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            As of 06/30/2022

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