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

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 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.

Rose Circo

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.

Jaclyn Bender

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.

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.

Simone Hurtado

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.


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