A team built to be there when you need them
Ralph Bender, MBA, CFP®
CEO, Founder & Wealth Advisor
In 1993 I became a financial consultant, moving my practice in 2001 and partnering with LPL Financial. I earned a Master of Business Administration from CSULB and am a CERTIFIED FINANCIAL PLANNER® professional.
I manage a private LinkedIn group for LPL advisors and am a member of the Financial Planning Association’s Orange County Chapter. Various mergers and acquisitions left my family and me without health insurance at a critical junction. I entered this business to take control of my family’s future and desire to do the same for my clients. I am an avid reader and runner.
I have finished twelve marathons. Achieved my Masters Personal Record of 3 hours 19 minutes in the 2009 Boston Marathon and an age-group first place in the 2011 Long Beach marathon. I volunteer in the sound ministry at my church and am known for my artesian ice creams and gelatos. I enjoy spending time with my wife, Beth, my children, and my grandchildren.
Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.
Ralph Bender, MBA, CFP®
CEO, Founder & Wealth Advisor
In 1993 I became a financial consultant, moving my practice in 2001 and partnering with LPL Financial. I earned a Master of Business Administration from CSULB and am a CERTIFIED FINANCIAL PLANNER® professional.
I manage a private LinkedIn group for LPL advisors and am a member of the Financial Planning Association’s Orange County Chapter. Various mergers and acquisitions left my family and me without health insurance at a critical junction. I entered this business to take control of my family’s future and desire to do the same for my clients. I am an avid reader and runner.
I have finished twelve marathons. Achieved my Masters Personal Record of 3 hours 19 minutes in the 2009 Boston Marathon and an age-group first place in the 2011 Long Beach marathon. I volunteer in the sound ministry at my church and am known for my artesian ice creams and gelatos. I enjoy spending time with my wife, Beth, my children, and my grandchildren.
Mark R Tracy, MBA, CFP®
President & Wealth Advisor
I joined Enduring Wealth Advisors® in January of 2012 and soon after received my Master’s in Business Administration from CSUF with an emphasis in finance. In March 2013, I passed the necessary exams and became registered. Then in 2016, I took on the role of “Financial Advisor.”
As a child, I witnessed my grandparents sell off everything they owned and live off social security because they did not receive proper advice to plan for retirement. I got into this business because everyone should have access to the guidance necessary to pursue a successful financial life.
In 2005, I met my best friend Jennifer, whom I married three years later. Adoption was a desire we shared. In 2013 we became foster-to-adopt parents and now have three amazing kids: Shayla, Olivia & Derek. My wife works for a non-profit school, and we enjoy cooking, going to Disneyland, playing games, and going to church as a family.
Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.
Mark R Tracy, MBA, CFP®
President & Wealth Advisor
I joined Enduring Wealth Advisors® in January of 2012 and soon after received my Master’s in Business Administration from CSUF with an emphasis in finance. In March 2013, I passed the necessary exams and became registered. Then in 2016, I took on the role of “Financial Advisor.”
As a child, I witnessed my grandparents sell off everything they owned and live off social security because they did not receive proper advice to plan for retirement. I got into this business because everyone should have access to the guidance necessary to pursue a successful financial life.
In 2005, I met my best friend Jennifer, whom I married three years later. Adoption was a desire we shared. In 2013 we became foster-to-adopt parents and now have three amazing kids: Shayla, Olivia & Derek. My wife works for a non-profit school, and we enjoy cooking, going to Disneyland, playing games, and going to church as a family.
Mona Hurtado
Client Relationship Manager & LPL Registered Assistant
Ralph and Mark invited me to join the Enduring Wealth Advisors® team in January 2019 as an Administrative Assistant. My 20+ years in the IT healthcare consulting business as a Project Accounting and Revenue Cycle Manager provided me with a unique skill set that I was able to bring into the business. In September 2021, I passed the FINRA Series 7 Exam, and my industry title was updated to LPL Registered Assistant.
My role at Enduring Wealth Advisors means so much to me. Several years ago, I was widowed with 2 young children and one teenager. I understand firsthand the impact prudent financial planning can have during a devastating life event. My desire is to celebrate with clients when things are going well and be there for them during the tough moments.
I am now the proud Mom of three wonderful young adults and love spending time with my family and watching my San Francisco Giants play.
Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.
Mona Hurtado
Client Relationship Manager & LPL Registered Assistant
Ralph and Mark invited me to join the Enduring Wealth Advisors® team in January 2019 as an Administrative Assistant. My 20+ years in the IT healthcare consulting business as a Project Accounting and Revenue Cycle Manager provided me with a unique skill set that I was able to bring into the business. In September 2021, I passed the FINRA Series 7 Exam and my industry title was updated to LPL Registered Assistant.
My role at Enduring Wealth Advisors means so much to me. Several years ago, I was widowed with 2 young children and one teenager. I understand firsthand the impact prudent financial planning can have during a devastating life event. My desire is to celebrate with clients when things are going well and be there for them during the tough moments.
I am now the proud Mom of three wonderful young adults and love spending time with my family and watching my San Francisco Giants play.
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Jaclyn Bender
Marketing Assistant & Administrative Assistant
After graduation from Calvary Chapel Bible College, I lived abroad for nine months with a satellite campus of CCBC in a town called Waterford in Ireland. I have been working at Enduring Wealth Advisors® since 2015.
In 2018 I decided to go back to school, and in 2022 I transferred to ASU into the Forensics Science Program. I hope to work in some capacity in Pathology or Toxicology in the future. I work alongside Rose in our Marketing Department as the Marketing Assistant while I complete my bachelor’s degree.
I am passionate about my work here, because of the environment, flexibility in my schedule as I continue pursuing my education, and I get to work with my best friend.
Jaclyn Bender
Marketing Assistant & Administrative Assistant
After graduation from Calvary Chapel Bible College, I lived abroad for nine months with a satellite campus of CCBC in a town called Waterford in Ireland. I have been working at Enduring Wealth Advisors® since 2015.
In 2018 I decided to go back to school, and in 2022 I transferred to ASU into the Forensics Science Program. I hope to work in some capacity in Pathology or Toxicology in the future. I work alongside Rose in our Marketing Department as the Marketing Assistant while I complete my bachelor’s degree.
I am passionate about my work here, because of the environment, flexibility in my schedule as I continue pursuing my education, and I get to work with my best friend.
Rose Circo
Marketing Manager & Administrative Assistant
I joined Enduring Wealth Advisors® in 2014 working as an Administrative Assistant and transitioned over the years to Marketing Manager. I have been working in customer service since 2007.
In 2011 I graduated with an AA from Calvary Chapel Bible College. I continue to pursue more learning experiences through college and other courses to develop and elevate my skills in marketing and other areas.
As an active volunteer with AWANA Clubs Intl. from 2002 through the present, I teach and train children of all ages to be servant leaders. I was honored with the highest award given through this program, the Citation Award, in 2006, in recognition of my 10 years of achievements, memorization, leadership, service, and commitment.
During my free time, I enjoy reading, art, spending time with family and friends, and being in nature.
Rose Circo
Marketing Manager & Administrative Assistant
I joined Enduring Wealth Advisors® in 2014 working as an Administrative Assistant and transitioned over the years to Marketing Manager. I have been working in customer service since 2007.
In 2011 I graduated with an AA from Calvary Chapel Bible College. I continue to pursue more learning experiences through college and other courses to develop and elevate my skills in marketing and other areas.
As an active volunteer with AWANA Clubs Intl. from 2002 through the present, I teach and train children of all ages to be servant leaders. I was honored with the highest award given through this program, the Citation Award, in 2006, in recognition of my 10 years of achievements, memorization, leadership, service, and commitment.
During my free time, I enjoy reading, art, spending time with family and friends, and being in nature.
Dale Worley
Administrative Assistant
Working as an Administrative Assistant, Dale Worley has been providing advisors and clients with up-to-date reports on investments utilizing third party analytical tools since 1998. These analyses are used by advisors in the due diligence process and by clients to help understand their holdings.
Dale spent twenty seven years of his career working at Chevron. He held various positions in the El Segundo refinery, including process plant supervisor and head operator. He was also a member of the compliance committee.
Dale and his wife Jean raised a family including a daughter, Beth, who is married to Ralph. Dale and Jean celebrated their 60th wedding anniversary in 2017.
In his spare time, Dale enjoys playing golf and listening to country-western music. He also spends time with his grandchildren and great grandchildren.
Dale Worley
Administrative Assistant
Working as an Administrative Assistant, Dale Worley has been providing advisors and clients with up-to-date reports on investments utilizing third party analytical tools since 1998. These analyses are used by advisors in the due diligence process and by clients to help understand their holdings.
Dale spent twenty seven years of his career working at Chevron. He held various positions in the El Segundo refinery, including process plant supervisor and head operator. He was also a member of the compliance committee.
Dale and his wife Jean raised a family including a daughter, Beth, who is married to Ralph. Dale and Jean celebrated their 60th wedding anniversary in 2017.
In his spare time, Dale enjoys playing golf and listening to country-western music. He also spends time with his grandchildren and great grandchildren.
Simone Hurtado
Administrative Assistant
I started working at Enduring Wealth Advisors® in April 2022 as an Administrative Assistant. I support the team with data entry, processing client information and forms, mailing client letters, and preparing reports for our Client Check-Ups.
I enjoy working with my co-workers in an encouraging and friendly work environment, with a flexible schedule. Some of my accomplishments include 2 years of study in ASL, Honor Roll all through High School, a few years of study in piano, and some karate training. Also, I am an identical twin.
In my free time, I enjoy watching Anime, and when I have time, reading. My reading consists of books that look or sound interesting or come highly recommended. I have a deep love for my tabby cat (Juan) and for taking care of my plants. Someday I would like to travel to Canada and Europe to take in all the beautiful landscapes and scenery.
Simone Hurtado
Administrative Assistant
I started working at Enduring Wealth Advisors® in April 2022 as an Administrative Assistant. I support the team with data entry, processing client information and forms, mailing client letters, and preparing reports for our Client Check-Ups.
I enjoy working with my co-workers in an encouraging and friendly work environment, with a flexible schedule. Some of my accomplishments include 2 years of study in ASL, Honor Roll all through High School, a few years of study in piano, and some karate training. Also, I am an identical twin.
In my free time, I enjoy watching Anime, and when I have time, reading. My reading consists of books that look or sound interesting or come highly recommended. I have a deep love for my tabby cat (Juan) and for taking care of my plants. Someday I would like to travel to Canada and Europe to take in all the beautiful landscapes and scenery.
The Enduring Wealth® Story
While running and training for endurance competitions, I often think about business. In 2006, I was running along Calle Piña Colada in Temecula when the name Enduring Wealth® hit me. I had been trying to find a legitimate name for quite some time.
Intrigued by this name’s potential, I did a Google search that morning. The first result confirmed my beliefs that this name was intended: from Proverbs (8:18), “With me are riches and honor, enduring wealth and prosperity. (NIV)”
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I had found the name for the business.
Implementation and adoption took some time. We survived the “Great Recession” of 2008. We developed a logo. We applied for a United States of America trademark to protect our name. We were granted the trademark for Enduring Wealth Advisors® on June 5, 2012.
1993
Ralph enters the industry
2001
The business becomes aligned with LPL Financial
2006
Indentified a new name for the buisness : Enduring Wealth.
2011
The buisness became : Enduring Wealth Advisors
2012
Mark joins the team. The trademark for Enduring Wealth Advisors was granted.
Focus on the Long Run
“I’d rather have a soft serve than this Gatorade.”
My comment surprised the volunteer at the 23-mile aid station of the New Hampshire Marathon. He looked as I pointed to the ice cream stand nearby; it was closed for the winter.
“You must be feeling pretty good if you can joke after running our hills,” he shouted out to me.
My outlook took me by surprise, too. In my previous three marathons, I had “bonked” by mile 20, suffering from leg cramps the final six miles. This time was different. I’d learned how to focus on the long run.
Soon, another runner was pacing alongside my right shoulder. He told me my attitude had inspired him to fight off his own cramps and endure the pain.
Although New Hampshire is still my slowest race, it was my most successful because it taught me how to pace myself for a strong finish.
We pace clients through life’s milestones and crossroads so that we can confidently discover and pursue dreams together, addressing the challenges of today while maintaining focus on the long run.
Focus on the Long Run
“I’d rather have a soft serve than this Gatorade.”
My comment surprised the volunteer at the 23-mile aid station of the New Hampshire Marathon. He looked as I pointed to the ice cream stand nearby; it was closed for the winter.
“You must be feeling pretty good if you can joke after running our hills,” he shouted out to me.
My outlook took me by surprise, too. In my previous three marathons, I had “bonked” by mile 20, suffering from leg cramps the final six miles. This time was different. I’d learned how to focus on the long run.
Soon, another runner was pacing alongside my right shoulder. He told me my attitude had inspired him to fight off his own cramps and endure the pain.
Although New Hampshire is still my slowest race, it was my most successful because it taught me how to pace myself for a strong finish.
We pace clients through life’s milestones and crossroads so that we can confidently discover and pursue dreams together, addressing the challenges of today while maintaining focus on the long run.
Hard work is usually rewarded, so we work hard for our clients
• Flexibility: The future is uncertain; flexibility provides options and choices to address what lies ahead.
• Diligence: The herd is easily misled, so we dig deep beneath the surface to uncover the truth.
• Innovation: Innovation is about continually improving the experience for our clients.
• Candor: Fear is a destructive emotion, so we keep clients informed and confront difficult topics with grace.
“We want people to get the most out of what they’ve worked hard to earn.”
Enduring Wealth® Partners with LPL Financial
LPL has over $1 trillion in brokerage & advisory client assets, serviced or custodied.
LPL was ranked no. 466 on the Fortune 500 list in 2021*
LPL Financial doesn’t offer proprietary investment products and has no investment banking operations. That means we are free from outside influence to push particular investment products or advice. Instead, we are empowered to draw upon independent research and other resources that enable us to offer objective guidance to serve your needs.
Among LPL Financial’s resources is LPL Research, one of the industry’s largest independent research teams. LPL Research’s experienced analysts, strategists, and investment specialists keep a pulse on global and US markets and economic trends.
*Data as of May 31, 2021. Fortune 500 ranks U.S. companies based on a review of the prior year’s total revenue and factors such as profits after taxes, year-end assets and total stockholders’ equity.
Process drives Flexibility & Innovation
Being a process-rich firm is empowering by allowing us to focus attention on you, your situation, your goals, and your financial plan. It provides us the flexibility to custom tailor the experience and the blueprint to encourage innovation. We believe our process richly benefits our clients.
“About Us” Running Money® Articles
Hero of Main St – Vlog
by Ralph Bender, MBA, CFP®
What’s in a name? Mine is simple, one syllable, “Ralph”. It supposedly means wolf or hero. In my line of work I’d prefer hero, because the way I work is nothing at all like the “Wolf of Wall Street.” Call me the hero of main. Our clients know they need guidance, especially when facing one of life’s many crossroads…
When Should You Start Planning for Retirement?
by Ralph Bender, MBA, CFP®
If you think that everyone but you is on track with their retirement plan investments, you need to stay with me on this piece. Because those people are rare. Most people don’t start saving for retirement soon enough, or investing aggressively enough, or controlling risk wisely enough, to feel confident with their future retirement prospects…
How one Couple gets the most out of Social Security?
by Ralph Bender, MBA, CFP®
Randy loves the business he’s created. It was very difficult getting started, with no capital, three young kids. But the family rallied around him, helped him find good clients, and they survived. The longer he works in the business, the easier it gets to attract business…
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