Renata Lance
Advisor at Emerson Equity LLC
Updated today
Data sourced from SEC public records (and other sources when available). Some details may be added by the advisor after claiming their profile. Refreshed daily • Updated today.
Firm
Emerson Equity LLC
Location
San Diego, CA
Credentials
Series 63, Series 66
Industry experience
13 years
About
Renata Lance is a financial advisor at Emerson Equity LLC with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at firms including Cetera Investment Services and Morgan Stanley. Outside of financial advising, she owns and operates several businesses, including a Pilates franchise and a plumbing service company. Emerson Equity is an SEC-registered investment adviser serving a diverse client base that includes high-net-worth individuals, pension plans, and charitable organizations. The firm employs a range of investment strategies from capital preservation to aggressive growth and offers specialty solutions such as portfolio evaluation and concentrated stock hedging.
Client services
Based on Emerson Equity LLC
Financial planning
Portfolio management
Selection of other advisers
Educational seminars or workshops
Management of private placement life insurance / insurance dedicated funds (single investor private funds)
Management of private placement life insurance / insurance dedicated funds (single investor private funds)
Expertise
Based on Emerson Equity LLC
Concentrated stock management
Private / alternative investments
Retirement plans for business owners (SEP, solo 401k)
Business succession planning
Fee options
Financial planning flat fees range from $1,500 to $75,000 or more; portfolio evaluation services typically $1,500; flat fee portfolio management negotiated
$0+: Negotiable, up to 2.5% maximum annually +: Management fee for Private Placement Life Insurance: typically either a flat fee of $25,000-$50,000 per annum charged quarterly in advance, or a percentage fee up to 0.5% annually capped at $50,000 per annum (0.125% quarterly in advance)
Broker-dealer commissions on securities transactions including 12b-1 fees from mutual funds; commissions on insurance and alternative investment products
Insurance consulting hourly rate varies between $75 and $250 per hour
Minimum fee: Flat fee for financial plans typically ranges from $1,500 to $75,000 or more; Portfolio Evaluation Services flat fee typically approximates $1,500 Fee-only: Flat fees for financial plans and portfolio evaluation services; hourly rates for insurance consulting ($75 to $250 per hour)
Location
San Diego, CA
Most active in
Renata L has reported serving >5 clients in these states in the last 12 months.
California
Work history
Emerson Equity LLC
2024 - Present (2 years)
Cetera Investment Services Llc
2021 - 2022 (1 year)
Cetera
2021 - 2022 (1 year)
Lance Enterprises Inc, DBA Club Pilates Del Mar
2019 - Present (7 years)
Wellness Wealth Advisors
2019 - 2021 (2 years)
Cetera Financial Specialists LLC
2019 - 2021 (2 years)
Cetera
2019 - 2021 (2 years)
Morgan Stanley
2019 - 2019 (1 year)
Royal Alliance Associates, INC.
2018 - 2019 (1 year)
S&R Capital Management Investments Inc
2018 - Present (8 years)
Lance Legacy Inc
2018 - 2022 (4 years)
Sii
2016 - 2018 (2 years)
Sral Inc
2016 - Present (10 years)
WELLS FARGO Advisors, LLC
2016 - 2016 (1 year)
Lance Enterprises Inc
2014 - Present (12 years)
Disclosures
Disclosures include customer complaints, regulatory actions, employment terminations, bankruptcies, and certain legal protections.
Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.
Business activities & affiliations
These affiliations may expand the services this firm offers and, in some cases, how they are compensated.
Is active or affiliated with:
Insurance agent
They sell insurance products and may earn commissions on those sales.
Broker-dealer / trader
They provide brokerage services and may earn transaction-based compensation in addition to advisory fees.
Is not active or affiliated with:
-
Bank
They're affiliated with a bank that may offer its own financial products and services.
-
Trust company
They provide trust and estate administration services, typically for separate fees.
-
Fund sponsor
They manage or sponsor investment funds and may earn management or performance-based fees if clients invest in them.
-
Accountant / CPA / tax prep
They offer tax and accounting services, typically for separate fees.
-
Lawyer
They provide legal services, typically billed separately.
-
Real estate agent
They facilitate real estate transactions and may earn commissions.
-
Other specialized services
They may provide services such as pension consulting or municipal advisory work, typically for separate fees.
Grant K
Verified by Warmer
Series 7, Series 66
La Mesa, CA
OSAIC
Grant Knox has been a Financial Advisor since 1994 and holds the following registrations and licenses: General Securities, California Life and Health Insurance, and California Real Estate and Mortgage Lending. A Southern California native, Grant excels at strategies for financial health and wealth that are attainable and effective. He is passionate about helping others achieve financial success and exceed their goals. He is a certified Kingdom Advisor, able to offer counsel on the integration of a Biblical worldview into financial practices. He holds the Certified Plan Fiduciary Designation (CPFA), designating expertise in company retirement plans. He holds a Bachelors degree from Evangel University and a D.Min. from Summit Bible College. Grant lives in La Mesa with his wife, Nicole and their son Noah. He loves to travel, active in his church, is a voracious reader and an avid soccer fan, having played on and managed recreational soccer teams for over 30 years.
Scott S
Series 63, Series 65
San Diego, CA
Conscious Investment Services, LLC
Lee T
Series 65
San Diego, CA
HEDGEWISE
Kyle T
ChFC®, Series 66
La Mesa, CA
Tweet Management Services, Inc.
Rajiv R
Series 63, Series 65
San Diego, CA
Colva Capital LLC
Robert L
Series 63, Series 66
San Diego, CA
Torrey Wealth, LLC
Not sure where to start?
We'll help you think it through – whether you ultimately need an advisor or not.
Warmer provides personalized recommendations and introductions to independent fiduciary advisors. We do not supervise advisors, manage or hold assets, guarantee performance, or provide advice about specific investments.
Each advisor listed on our site is an independent fiduciary responsible for their own advice. Warmer may receive fees from advisors for participation or referrals; these fees are paid by advisors and do not affect the fees clients pay for advisory services.
For advisor listings, we rely on sources including public filings and data provided by advisors, and we cannot guarantee that all information is current or accurate. Please review an advisor's Form ADV and do your own diligence before entering into an advisory relationship.
By using our service, you agree to Warmer's Terms of Service and Advisory Agreement and Privacy Policy. Logos provided by Logo.dev
© 2026 Warmer Holdings Inc. ("Warmer")