WT
Wanda T. Toro
FINANCES FOR REAL LIFE
LOMPOC, CA 93436
Some features on this profile are disabled
CRD#: 2333643
WT
Professional summary
Wanda Teresa Toro, CFP®, who also goes by Wanda Teresa Bell, Wanda Bell, Wanda Toro, Wanda Teresa Toro-scheib, is a registered financial advisor currently at FINANCES FOR REAL LIFE located in Lompoc, California and LPL FINANCIAL LLC located in Lompoc, California.
Wanda is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 1993. Wanda has worked at 3 firms and has passed the Series 65, Series 63, SIE, Series 7, Series 6 and Series 26 exams.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
Wanda Teresa Bell | Wanda Bell | Wanda Toro | Wanda Teresa Toro-Scheib
Other business activities
Outside business activity is any business or activity undertaken by an advisor that is outside the scope of their relationship with their firm (e.g., consulting services, real estate, freelance work, teaching, etc.). Investors should stay informed about these activities to ensure no conflicts of interest.
1) 10/07/2010 - Coach Wanda - Not Investment Related - Home Based - Coach/Sports - Time Spent 10% 2) 02/27/2012 - Rental Property - Investment Related - Lenexa KS - Real Estate Rental - Time Spent 3% 3) 03/06/2013 - Wanda T Toro, CFP - Investment Related - At Reported Business Location(s) - Business Entity For Tax/Investment Purposes Only 4) 11/04/2013 - Wanda T Toro, CFP - DBA for LPL Business (entity for LPL business) - Investment Related - At Reported Business Location(s) 5) 10/07/2016 - Wanda T Toro LLC - Investment Related - At Reported Business Location(s) - DBA for LPL Business (entity for LPL business) - Start Date 09/26/2016 - 1 Hours Per Month/0 Hours During Securities Trading 6) 05/23/2018 - Finances for Real Life - DBA for LPL Business (entity for LPL business) - Investment Related - Lompoc CA - Inv Rel - Start: 06/2022 - 40 Hr/Mth 7) 05/09/2023 - Finances for Real Life - Investment Related - At Reported Business Location(s) - Registered Investment Advisor Hybrid - Start Date 05/01/2023 - 80 Hours Per Month/80 Hours During Securities Trading - Time Spent 50% - I provide investment advisory services through Finances for Real Life an independent investment advisor firm. I started this business activity in 5/2023. I expect to spend approximately 80 hours per month on this activity. Please see the advisory firm�s Form ADV for more information about its address, the nature of its business, its owners, and its services at http://www.adviserinfo.sec.gov/IAPD. The firm is separate from and independent of LPL Financial.
CRS (Client Relationship Summary) - RIA
Click below to view Wanda Teresa Toro's CRS (Customer Relationship Summary).
Certified licenses
Advisors may have various certifications and credentials from different organizations. AdvisorCheck highlights these seven certifications - AIF®, CFP®, ChFC®, CFA, CLU®, CIMA®, CPWA®
CFP®
Start date: 2010
Experience
Current
March 27, 2023 - Present
FINANCES FOR REAL LIFE
Office #1: 3612 Constellation Road, Lompoc, CA 93436RIA
CRD#: 324090
LOMPOC, CA
Current
December 15, 2010 - Present
LPL FINANCIAL LLC
Office #1: 3612 Constellation Rd, Lompoc, CA 93436RIA
BD
CRD#: 6413
LOMPOC, CA
Past
December 15, 2010 - November 7, 2024
LPL FINANCIAL LLC
RIA
CRD#: 6413
LOMPOC, CA
Past
July 27, 2006 - December 22, 2010
FIRST COMMAND BROKERAGE SERVICES, INC.
RIA
CRD#: 3641
LOMPOC, CA
Past
July 11, 2006 - December 22, 2010
FIRST COMMAND BROKERAGE SERVICES, INC.
BD
CRD#: 3641
LOMPOC, CA
Past
June 2, 1993 - June 20, 2001
FIRST COMMAND BROKERAGE SERVICES, INC.
BD
CRD#: 3641
FORT WORTH, TX
State Registrations and Notice Filings
Listed states reflect where the advisor is authorized to serve clients under state regulations.
IAR
means the advisor is registered as an Investment Advisor Representative in this state and is authorized to provide investment advice to clients there.RR
indicates the advisor is registered as a Registered Representative in this state, allowing them to offer securities such as stocks, bonds, and mutual funds through a broker-dealer.Visual representation of state registrations
RR
Alabama(12/3/2012)
RR
Arizona(1/10/2019)
RR
Arkansas(1/10/2019)
RR
California(12/15/2010)
IAR
California(3/27/2023)
RR
Colorado(12/15/2010)
IAR
Colorado(5/5/2023)
RR
Delaware(2/18/2020)
RR
Florida(5/17/2013)
IAR
Florida(8/18/2023)
RR
Georgia(12/20/2017)
RR
Idaho(4/4/2016)
RR
Illinois(3/7/2014)
RR
Kansas(12/15/2010)
RR
Maryland(5/17/2013)
RR
Massachusetts(5/19/2025)
RR
Minnesota(10/14/2020)
RR
Missouri(11/7/2019)
RR
Nebraska(8/17/2023)
RR
New Hampshire(8/2/2017)
RR
New Jersey(10/2/2024)
RR
New Mexico(9/10/2020)
RR
New York(1/21/2014)
RR
North Carolina(7/8/2022)
RR
North Dakota(11/17/2021)
RR
Ohio(12/11/2014)
RR
Oregon(2/23/2017)
RR
Pennsylvania(8/30/2012)
RR
South Carolina(12/16/2016)
RR
South Dakota(11/24/2014)
RR
Texas(8/29/2012)
IAR
Texas(8/10/2023)
RR
Virginia(2/28/2011)
IAR
Virginia(4/6/2023)
RR
Washington(8/3/2011)
RR
West Virginia(10/12/2021)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
Principal/Supervisory Exam
SRO Registrations
RR
FINRA
Current Firm
FF
FINANCES FOR REAL LIFE
FINANCES FOR REAL LIFE
CRD#: 324090 / SEC#:
California
Registered Investment Advisory firm - (3/27/2023 Approved)Colorado
Registered Investment Advisory firm - (5/5/2023 Approved)Florida
Registered Investment Advisory firm - (8/18/2023 Approved)Texas
Registered Investment Advisory firm - (8/2/2023 Conditional Restricted)Virginia
Registered Investment Advisory firm - (4/6/2023 Approved)Upgrade to AdvisorCheck Premium
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Contact information
Main Address
3612 Constellation Road, Lompoc, CA 93436
Mailing Address
Phone number
(805) 733-2700
Established
Firm type
Fiscal year end
# of Employees
2
Regulatory assets under management
| Total Number of Accounts | 317 |
| AUM (Assets Under Management) | $ 86,069,409 |
Red Flags
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Company Information
FINANCES FOR REAL LIFE
CRD#: 324090Lompoc, CA 93436TRUST BUT VERIFY
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