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| . | Caldwell Flores Winters, Inc. is one of the leading financial advisory firms for school and community college districts in California. Unlike many of our competitors, we are independent financial advisors - and that saves districts and the taxpayer money. Our job is to structure any proposed financing to best serve your needs and to provide representation services with third party insurers, rating agencies and purchasers of your bonds. Our client is the district, not bondholders, commissioned salespeople or bond underwriters. By being independent advisors, we can negotiate or competitively bid bonds at the lowest possible rate on any given day. We also recognize the need for long term facilities planning and to leverage available funding via State aid or ballot box measures. In response, we offer complete facilities planning, State aid processing and bond election services. We have dedicated and fully staffed departments to assist in establishing capital plans, leveraging State funding, guiding districts through a successful bond election, and issuing bonds at the most competitive rates. |
 Since its inception, Caldwell Flores Winters, Inc. has maintained offices in the San Diego and San Francisco areas to best serve our client base. Over our 18 year history, the firm has developed into one of California's most recognized public finance advisory firms; exclusively dedicated to meeting the needs of California K-14 districts. |
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