Balaji Rao is a financial advisor with LPL Financial in Irvine, CA, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at BNG Wealth Advisors, Waddell & Reed Inc., and various insurance carriers. He has also been involved with the Irvine Rotary Club and served as a trustee of the Balaji & Gayatri Rao Revocable Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and model portfolios from both in-house and third-party sources.

Louis Avalos is a Series 66-licensed financial advisor with LPL Financial, bringing 22 years of industry experience. He has worked at LPL Financial since 2021 and previously held roles at Waddell & Reed and various insurance carriers. Avalos serves as a board member for the Orange County California Society of Enrolled Agents. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and nonprofit organizations through a national network of advisors, offering a range of financial planning, advisory programs, and retirement consulting services.

Carmen Cercone is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and bringing 43 years of industry experience. Prior to joining LPL Financial in 2023, she worked at Kestra Advisory and Kestra Investment Services from 2016 to 2023. She also serves as a trust protector in a fiduciary capacity. LPL Financial is a national SEC-registered investment adviser and broker-dealer that provides financial planning, advisory programs, retirement plan consulting, and brokerage services to a broad range of clients including individuals, retirement plans, institutions, and charitable organizations.

Richard Ratz is a financial advisor with LPL Financial in Irvine, CA, holding a Series 66 designation and 17 years of industry experience. His career includes roles at various insurance carriers and Waddell & Reed, Inc., and he has operated under his own name since 1982. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement consulting, supported by model portfolios, research resources, and discretionary and non-discretionary management options.

William Barnes IV is a financial advisor with LPL Financial in Irvine, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. His prior work includes roles at Kestra Advisory, Equitable Advisors, AXA Advisors, and Nfp Securities. Outside of his advisory work, he is involved with Ainokea Industries LLC, a non-investment business entity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from multiple sources.