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Elizabeth Espinal
TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES
Edison, NJ
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CRD#: 4400401
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Professional summary
Elizabeth Espinal, who also goes by Elizabeth Espinal, Elizabeth Echavarria, Elizabeth Vargas, is a registered financial advisor currently at TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC located in Edison, New Jersey.
Elizabeth is registered as an IAR (Investment Advisor Representative) and RR (Registered Representative) and started their career in finance in 2001. Elizabeth has worked at 7 firms and has passed the Series 65, Series 63, SIE, Series 7 and Series 6 exams.
Question & Answer
Are you a "fiduciary"?
Yes
Aliases
Elizabeth Espinal | Elizabeth Echavarria | Elizabeth Vargas
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. 10/1/2020 - Elizabeth Echavarria DBA Elizabeth Vargas - Investment Related - At Reported Business Location(s) - DBA for LPL Business (entity for LPL business) - Started 10/01/2020 - Time Spent 100%. 2. 12/3/2020 - Book of Brokers - Investment Related - At Reported Business Location(s) - Non-Variable Insurance - Started 10/26/2020 - 20 Hours Per Month During Securities Trading. 3. 11/10/2022 - Bancasa Mortgage Corporation - Investment Related - 400 Smith St, Perth Amboy NJ 08861 - Mortgage/Real Estate Services - Mortgage Loan Originator - Start Date - 03/01/2021 - 10 Hours Per Month/5 Hours During Securities Trading
CRS (Client Relationship Summary) - RIA
Click below to view Elizabeth Espinal's CRS (Customer Relationship Summary).
CRS (Client Relationship Summary) - BD
Click below to view Elizabeth Espinal'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®
NoneExperience
Current
February 1, 2024 - Present
TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC
Office #2: 155 Village Boulevard Suite A, Princeton, NJ 08540RIA
BD
CRD#: 20472
Edison, NJ
Current
February 1, 2024 - Present
TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC
Office #1: 155 Village Boulevard Suite A, Princeton, NJ 08540RIA
BD
CRD#: 20472
Princeton, NJ
Past
October 2, 2020 - January 30, 2024
LPL FINANCIAL LLC
RIA
CRD#: 6413
WOODBRIDGE, NJ
Past
October 1, 2020 - January 30, 2024
LPL FINANCIAL LLC
BD
CRD#: 6413
WOODBRIDGE, NJ
Past
September 19, 2012 - October 2, 2020
SANTANDER SECURITIES LLC
RIA
CRD#: 41791
PERTH AMBOY, NJ
Past
September 19, 2012 - October 2, 2020
SANTANDER SECURITIES LLC
BD
CRD#: 41791
PERTH AMBOY, NJ
Past
February 13, 2012 - September 19, 2012
LPL FINANCIAL LLC
RIA
CRD#: 6413
MANALAPAN, NJ
Past
February 13, 2012 - September 19, 2012
LPL FINANCIAL LLC
BD
CRD#: 6413
MANALAPAN, NJ
Past
December 3, 2010 - February 7, 2012
WELLS FARGO CLEARING SERVICES, LLC
RIA
CRD#: 19616
METUCHEN, NJ
Past
December 3, 2010 - February 7, 2012
WELLS FARGO CLEARING SERVICES, LLC
BD
CRD#: 19616
METUCHEN, NJ
Past
March 22, 2006 - December 13, 2010
PNC WEALTH MANAGEMENT LLC
RIA
CRD#: 129052
MONROE, NJ
Past
March 22, 2006 - December 13, 2010
PNC WEALTH MANAGEMENT LLC
BD
CRD#: 129052
MONROE, NJ
Past
October 20, 2004 - March 21, 2006
BANC OF AMERICA INVESTMENT SERVICES, INC.
RIA
CRD#: 16361
SOMERSET, NJ
Past
October 20, 2004 - March 21, 2006
BANC OF AMERICA INVESTMENT SERVICES, INC.
BD
CRD#: 16361
BOSTON, MA
Past
July 2, 2004 - October 20, 2004
QUICK & REILLY, INC.
RIA
CRD#: 11217
SOMERSET, NJ
Past
June 8, 2001 - October 20, 2004
QUICK & REILLY, INC.
BD
CRD#: 11217
NEW YORK, NY
Primary Firm SEC Registration
This SEC-registered firm can serve clients nationwide. Some states may require the firm to submit a notice filing if the firm has more than 5 clients or a physical office there. You can view these state-level filings under the section titled "State Registrations and Notice Filings".
TI
TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC
ADVICE & PLANNING SERVICES | TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC | TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, INC. | TIAA-CREF BROKERAGE SERVICES | TIAA-CREF ADVICE AND PLANNING SERVICES | COLLEGE RETIREMENT EQUITIES FUND | ADVICE AND PLANNING SERVICES
CRD#: 20472 / SEC#: 801-63550, 8-44454
RIA
Registered Investment Advisory firm - SEC (9/24/2004 Approved)BD
Broker-Dealer Firm Regulated by FINRA (New York district office)
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
Florida(10/29/2024)
RR
New Jersey(2/1/2024)
IAR
New Jersey(2/1/2024)
RR
New York(8/21/2024)
RR
Virginia(1/2/2025)
Exams
State Security Law Exam
State Security Law Exam
General Industry/Product Exam
General Industry/Product Exam
General Industry/Product Exam
SRO Registrations
RR
FINRA
Current Firm
TI
TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC
ADVICE & PLANNING SERVICES | TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, LLC | TIAA-CREF INDIVIDUAL & INSTITUTIONAL SERVICES, INC. | TIAA-CREF BROKERAGE SERVICES | TIAA-CREF ADVICE AND PLANNING SERVICES | COLLEGE RETIREMENT EQUITIES FUND | ADVICE AND PLANNING SERVICES
CRD#: 20472 / SEC#: 801-63550, 8-44454
RIA
Registered Investment Advisory firm - SEC (9/24/2004 Approved)BD
Broker-Dealer Firm Regulated by FINRA (New York district office)
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Contact information
Main Address
730 Third Avenue, New York, NY 10017-3206
Mailing Address
8500 Andrew Carnegie Boulevard Mail Stop Ssc/c2/08, Charlotte, NC 28262-8500
Phone number
(704) 988-3565
Established
Delaware since 01/01/2004
Firm type
Limited Liability Company
Fiscal year end
December
Firm Size
Large
# of Employees
1,319
SEC notice filing (53 States and Territories)
FINRA licenses (53 States and Territories)
Documents
Part 2 Brochures
Direct owners and executive officers
| Name | Position | CRD# |
|---|---|---|
| TEACHERS INSURANCE AND ANNUITY ASSOCIATION OF AMERICA | SOLE OWNER OF APPLICANT | |
| ABBOTT, ROSS HAMLET | PRESIDENT, CEO (INTERIM), CHIEF OPERATING OFFICER, ELECTED MANAGER | 2756063 |
| BARNHILL, HELEN GWYN | CHIEF LEGAL OFFICER | 2574877 |
| BELLUCCI, RAYMOND JOHN | ELECTED MANAGER | 1807977 |
| HEASLIP, DEREK JAMES | ELECTED MANAGER | 6318596 |
| INTIHAR, JEREMY ROSS | CHIEF COMPLIANCE OFFICER - REGISTERED INVESTMENT ADVISER | 5040823 |
| LEWIS, BENJAMIN HERBERT | ELECTED MANAGER | 1687894 |
| MANGANO, JENNIFER LYNN | CHIEF FINANCIAL OFFICER | 7659359 |
| MUKHERJEE, NILADRI | ELECTED MANAGER | 5227234 |
| SARAVANAN, SHANKAR | VICE PRESIDENT, ELECTED MANAGER | 7789140 |
| STICKROD, CHRISTOPHER EUGENE | ELECTED MANAGER | 4627958 |
| WEINSTEIN, SCOTT WILLIAM | CHIEF COMPLIANCE OFFICER - BROKER DEALER | 4324014 |
Regulatory assets under management
| Total Number of Accounts | 72,807 |
| AUM (Assets Under Management) | $ 34,343,329,152 |
Disclosures
| Regulatory Event | 8 |
| Arbitration | 4 |
Accountant surprise examination report
| Filing Date | Form ADV-E Cover | Form ADV-E Report |
|---|---|---|
| 01/23/2025 | ||
| 12/13/2023 | ||
| 03/21/2023 |
Red Flags
Disclosures can be potential red flags, including customer disputes, regulatory fines, employer terminations, bankruptcies, judgments, liens, or certain criminal activities.
Check for any disclosures as part of your thorough research when choosing an advisor.
