Our Team

Ralph Bender

Ralph Bender, CFP® has been an independent financial consultant since 1993, moving his individual practice to LPL Financial in May 2001. Positioning his business for future expansion, Enduring Wealth Advisors® was created in 2009.

Ralph has always worked in environments that give him the largest range of strategies while conscientiously providing objective advice. His career has been dedicated to putting clients’ interests first.

A Pennsylvania High School graduate, Ralph went on to earn a B.A. in Accounting from Franklin and Marshall College in Lancaster, then a Master of Business Administration (MBA) from California State Long Beach in 1989.

Through LPL Financial, Ralph is registered and licensed for mutual funds; stocks; bonds; annuities; life, health, disability, and long-term care insurance; and managed futures funds. He is also an LPL Registered Principal, allowing him to supervise other registered representatives. Ralph has special training on the use of structured products, which are available through LPL Financial.

The San Diego Christian Writer’s Guild has recognized his Running Money® newsletter for writing excellence. He penned the “Your Money” column in several local newspapers in the late 1990’s.

He manages the LPL Financial Advisors Roundtable (www.AdvisorsRoundTable.INFO), a private LinkedIn group available to the thousands of financial advisors affiliated with LPL Financial. As a CERTIFIED FINANCIAL PLANNERTM professional, he is also a member of the Financial Planning Association’s Orange County Chapter.

In the year 2000, he was published in the trade magazine Registered Representative with an article titled “Disrespecting our Elders”, one of the industry’s first acknowledgements of abuses related to the elderly. At the time, he was also a volunteer technical advisor to Riverside County’s CARE program (Curtailing Abuses Related to the Elderly).

Ralph is an accomplished runner, finishing twelve marathons including a 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. He qualified to return to run his third Boston in 2021. He is also a founding member of the Pocono Area Running Club (PARC) and regularly competes in local races, including the Run for the Red Marathon.

He is an avid reader, plays golf, and is involved in the local church and community. Ralph and Beth frequently entertain family and friends. Ralph is known for his artesian ice creams and gelatos, creating special flavors inspired by and for his kids and grandkids.

Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.

Mark R. Tracy

Mark works with clients to help create and implement strategies used to pursue their long-term financial goals, in addition to maintaining office systems.

Mark is an LPL Financial Advisor and joined the Enduring Wealth Advisors® team in early 2012 as a Business Implementation Specialist. Mark graduated cum laude, earning his bachelors in business with an emphasis in finance from CSUF in the spring of 2010. In the summer of 2012, Mark completed CSUF’s graduate program to earn a Master’s in Business Administration (MBA). Mark’s prior work experience required him to work with budgets, solve problems and leverage technology.

On July 11th, 2008, Mark married Ralph’s oldest daughter Jennifer. Mark and Jennifer enjoy cooking, going to Disneyland, playing games and going to church together. They are foster-to-adopt parents and have three children.

Check the background of investment professionals associated with this site on FINRA’s BrokerCheck.

Mona Hurtado

Mona joined Enduring Wealth Advisors® in January 2019 as an Administrative Assistant. Prior to joining our firm, she worked for 20+ years in the IT Healthcare Consulting business, as a Project Accounting Manager and Revenue Cycle Manager.

Mona passed the FINRA Series 7 Exam in September 2021, and continues to pursue additional education, so she may better support the advisors in our office.

Mona lives in Temecula and is the proud mom of 3 young adults. When she isn’t studying, she loves spending time with her family, watching major league baseball, listening to music and podcasts, attending live concerts, and reading.

Rose Circo

Rose joined Enduring Wealth Advisors® in 2014 working as an Administrative Assistant and Marketing Assistant. She has been in customer service since 2007 working at a Pine Summit Christian Camp and Conference Center.

She is an active volunteer with AWANA Clubs Intl. since 2002. As a leader in this youth program, she teaches and trains children of all ages to be servant leaders. She was honored with the highest award given through this program, the Citation Award, in 2006, recognizing her achievements of memorization, leadership, service and commitment.

In 2011 Rose graduated with an AA from the Calvary Chapel Bible College.

In her off time, Rose enjoys reading, sketching, spending time with her family and friends.

Jaclyn Bender

Jaclyn went to Calvary Chapel Bible College and after she graduated she lived abroad in Ireland for nine months with a satellite campus of CCBC in a town called Waterford.

Currently, she’s been working at Enduring Wealth Advisors for a couple of years now. In 2018 she decided to go back to school, in hopes to eventually get into MSJC’s Ultrasound Technician Program.

Dale Worley

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.


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