Efrain Padilla Jr. is a financial advisor at Empower Advisory Group with Series 63 and Series 65 credentials and two years of industry experience. His prior roles include positions at Regions, Pacific Western Bank, Citibank, Xnergy Financial, and Wells Fargo. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, using an integrated model connected to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing through proprietary and third-party planning methodologies.

Nina Alcala is a financial advisor with Empower Advisory Group holding Series 63 and Series 66 designations. She has been in the industry since 2023, with prior roles in mortgage and financial services firms including Paramount Residential Mortgage Group and Wintrust Financial Bank. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as certain retail brokerage clients. The firm’s approach integrates planning with recordkeeping and administrative platforms, focusing on long-term portfolio returns and client savings rates.