Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Credentials
Series 66
Experience Industry experience
1 year
Location
Laredo, TX
Equitable Advisors
Institution
Ricardo Santos is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has previously worked at Quick Insurance and taught at the University of Texas at San Antonio. Ricardo also had a brief involvement with Tortillas Santos. Equitable Advisors serves a broad range of individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing program sponsors and third-party managers to deliver advisory and brokerage solutions.
Based on Equitable Advisors
$0+: 0.20% to 2.50% annually (varies by program and asset level; see product-specific minimum and maximum fees) $0+: Financial planning fixed fees: $250 - $25,000 for new plans; $250 - $12,500 for reviews $0+: Financial planning hourly fees: $100 - $400 per hour
Variable life and annuity sales commissions and renewal commissions are received in brokerage capacity, not advisory fees.
Financial planning hourly fees generally range from $100 to $400 per hour.
Minimum fee: Financial planning fixed fees may range from $250 to $25,000 for new clients; follow-on plan review fees generally range from $250 to $12,500; hourly fees generally range from $100 to $400 per hour. Fee-only: Fee-based financial planning services are offered, including fixed and hourly fees as noted above.
Laredo, TX
Laredo TX
Advisors at this office
1
Texas
1 year of industry experience
Equitable Advisors, LLC
2024 - Present • 2 years
New York, NY
Unemployed
2024 - 2024 • 1 year
Laredo, TX
Quick Insurance
2021 - 2024 • 3 years
San Antonio, TX
Tortillas Santos
2021 - 2021 • 1 year
Laredo, TX
University of Texas at San Antonio
2020 - 2024 • 4 years
San Antonio, TX
St. Augustine High School
2016 - 2020 • 4 years
Laredo, TX
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
Is not active or affiliated with:
Bank
They're affiliated with a bank that may offer its own financial products and services.
Trust company
They provide trust and estate administration services, typically for separate fees.
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
Lawyer
They provide legal services, typically billed separately.
Real estate agent
They facilitate real estate transactions and may earn commissions.
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Series 65
Laredo, TX
KWS Advisory Group, LLC
Vania Magallanes is a financial advisor at KWS Advisory Group, LLC in Laredo, TX, holding a Series 65 credential with four years of industry experience. She has been with KWS Financial Group since 2020 and has also worked with the Laredo Independent School District since 2010. Outside of advising, she serves as CEO of Millennial Rentals, LLC, managing contracting for an investment property. KWS Advisory Group provides discretionary asset management and financial planning services to individuals, trusts, estates, corporations, and retirement accounts, managing approximately $9.1 million in client assets. The firm uses a combination of fundamental, technical, charting, and cyclical analysis and employs third-party platforms and managers in its portfolio construction.
Series 65
Laredo, TX
Cresta Advisors
Claudette Soto is a financial advisor at Cresta Advisors with a Series 65 designation and two years of industry experience. Prior to joining Cresta Advisors, she worked at Commerce Bank and has held positions in various other industries including education and hospitality. Cresta Advisors is an SEC-registered investment adviser managing approximately $533 million in client assets, serving individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors primarily in Texas, California, and Mexico. The firm employs a combination of fundamental and technical analysis, Modern Portfolio Theory, and targeted asset allocation to construct and monitor portfolios and offers both discretionary and non-discretionary retirement plan services.
Series 66
Laredo, TX
Cresta Advisors
Manuel Garza is a Series 66 licensed financial advisor with 20 years of industry experience. He has been with Deutsch & Garza Ltd dba Cresta Advisors since 2013, where he serves as managing member. Garza is also active as an insurance agent, selling fixed life and annuity products. Additionally, he contributes time as a volunteer at Texas A&M International University’s A.R. Sanchez, Jr. School of Business. Cresta Advisors is an SEC-registered investment adviser managing approximately $533 million in client assets. The firm serves individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors, primarily in Texas, California, and Mexico, using a combination of fundamental and technical analysis alongside Modern Portfolio Theory to build and manage portfolios.
Series 63, Series 66
Laredo, TX
Cresta Advisors
Mark Deutsch is a financial advisor at Cresta Advisors with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Deutsch & Garza Ltd dba Cresta Advisors since 2013. Outside of his advisory role, he is a partner and managing member in several mineral and real estate entities. Cresta Advisors is an SEC-registered investment adviser managing approximately $533 million in client assets. The firm serves individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors, primarily in Texas, California, and Mexico, using a combination of fundamental and technical analysis alongside Modern Portfolio Theory to construct and monitor portfolios.
Series 65
Laredo, TX
Cresta Advisors
Jeronimo Martinez is a financial advisor at Cresta Advisors with one year of industry experience. He holds a Series 65 designation and previously worked at the Webb County Treasurer’s Office and International Business Advisors. Cresta Advisors manages approximately $533 million in client assets and serves individuals, high-net-worth households, trusts, estates, corporations, endowments, public entities, and retirement plan sponsors primarily in Texas, California, and Mexico. The firm employs a combination of fundamental and technical analysis, Modern Portfolio Theory, and targeted asset allocation to construct and monitor portfolios and offers both consulting and discretionary retirement plan management services.
Series 65
Laredo, TX
Cresta Advisors
Diego Lucatero is a financial advisor at Cresta Advisors with a Series 65 designation and two years of industry experience. Prior to his work in finance, he held positions at Texas Roadhouse and Olive Garden. He has been a student since 2014. Cresta Advisors provides portfolio management, financial consulting, and retirement-plan advisory services to individuals, high-net-worth clients, trusts, estates, corporations, endowments, non-profits, and plan sponsors. The firm offers both non-discretionary and discretionary fiduciary services, operates a wrap-fee program, and combines fundamental and technical analysis with Modern Portfolio Theory in its investment approach.
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