Irvine, CA 15635 Alton Pkwy Office

Balaji Rao is a financial advisor with LPL Financial in Irvine, CA, holding a Series 66 designation and 18 years of industry experience. His career includes roles at BNG Wealth Advisors, Waddell & Reed Inc., and various insurance carriers. Rao has been involved with the Irvine Rotary Club and served on its board. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers comprehensive advisory and brokerage services, including financial planning and access to diverse portfolio management options.

Louis Avalos is a financial advisor with LPL Financial in Irvine, CA, holding a Series 66 designation and over 23 years of industry experience. His background includes roles at Waddell & Reed and various insurance carriers, along with operating Effective Planning since 1980. He serves as a board member for the Orange County California Society of Enrolled Agents. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions supported by technology and a broad network of advisors.

Carmen Cercone is a financial advisor with LPL Financial based in Irvine, CA, holding Series 63 and Series 66 credentials and offering 43 years of industry experience. Prior to joining LPL Financial in 2023, Carmen worked at Kestra Advisory and Kestra Investment Services, as well as SII Investments, Inc., among other firms. Outside of advisory activities, Carmen serves as a trust protector and provides estate planning services through related business entities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational resources and a large network of investment adviser representatives.

Richard Ratz is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He has worked at LPL Financial since 2021 and previously spent over a decade with Waddell & Reed, Inc. and various insurance carriers. Outside of advising, he has been involved in real estate rental and investment activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

William Barnes IV is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions 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 a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.