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Overcoming Confusion:

A Financial Advisor Will Help You Understand Your Finances.


How Can a Financial Advisor Help Me with My Unique Situations?

  • Plan for retirement

  • What to do with your 401(k)

  • Offer investment advice

  • Organize your affairs

  • Budget your income

  • Prepare for the unexpected

Home: Services


It's Not Just About Money. It's About Life and Living

Got a Question?

Retirement Accounts

  • IRAs and Roth IRAs

  • 401(k)

  • Employer Sponsored Plans


Financial Planning

  • Retirement Income

  • College Savings

  • Estate Planning

Life Insurance

  • Life 

  • Long Term Care

  • Annuities



  • Mutual Funds

  • Stocks

  • Bonds

  • Annuities & More

Overcoming Financial Obstacles

Everyone deserves professional advice, not just the rich!

Overcoming Retirement Shortfalls

Because retirement should be about enjoying life!

Overcoming Financial Anxiety

No one should lose sleep over

their finances!

Home: About Us

Kristi Ellington

LPL Financial Consultant, CRPC®


It’s not just about the money, it’s about life and living!

Kristi brings with her a passion for helping people and a love of everything financial, and it is with great expectations that she greets each day, excited to discover new opportunities to help people. Kristi is fanatical about keeping up with the constantly evolving world of products and services; she strives to stay on the cutting edge so that she can provide the best advice available in the current environment.

Kristi has worked as a Financial Advisor since 1993. She opened her own firm in 2009 with much enthusiasm; appreciating the value of an independent broker-dealer, she contracted with LPL Financial to provide broker-dealer services and oversight.

Away from the office, Kristi enjoys spending time with friends and family, crafting around the house, and traveling to new adventures.

Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.


Nick Thoeni

LPL Financial Consultant BFA™, FPQP™


Everyone is on a journey, and Nick has made it a personal mission to help ordinary, everyday people understand and invest their money so they can make the most of their hard earned dollars.

Following in his mom, Kristi’s, footsteps, it didn’t take him long to realize his passion for the business. Nick has a keen interest in economics, investment research and behavioral economics which all come into play as he helps people navigate their financial lives.

Nick has been helping clients at Ellington Financial since 2012.

Nick and his beautiful wife Maria have three children which keeps things interesting! He also enjoys a number of hobbies, including weight lifting, knife making and tabletop gaming.


Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.

We are a family owned business servicing over 300 local individuals and families in
Gilroy, Hollister, Morgan Hill, and beyond

Contact Us

(Free Initial Consultation)

Two Locations to Serve You

Local and Remote Appointments Available

​​Gilroy, CA Location

8343 Church Street, Gilroy, CA 95020

Office Phone:  (408) 848-0874

Hollister, CA Location

345 5th Street, Suite 3, Hollister, CA 95023

Office Phone: (831) 634-1144

Fax: (408) 848-0873

Feel Free to Call or Email Us!

(Free Initial Consultation)

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Nick or Kristi will get back to you soon!

Home: Contact
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