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Telma Provencio

Advisor at HBW Advisory Services LLC

Updated today
HBW Advisory Services LLC logo

Firm

HBW Advisory Services LLC

Location

Oxnard, CA

Credentials

Series 63, Series 65

Industry experience

17 years

Client services

Financial planning Portfolio management Selection of other advisers Educational seminars or workshops

Fee options

Fixed

Up to $10,000 fixed rate for combined ongoing financial planning and asset management services; up to $2,500 fixed fee for financial planning services.

Percentage

$0+: up to 2.00% $0+: up to 1.50% (Online Portfolio Management via Betterment LLC) $0+: 0.35% (Sub-advisory services to Midland National Life Insurance Co)

Commissions

Commission-based compensation received by registered representatives for sales of securities and insurance products, separate from advisory fees.

Project-based

Up to $300 per hour for financial planning and consulting services.

Work history

HBW Advisory Services LLC

2021 - Present (5 years)

Cetera Advisor Networks Llc

2017 - 2022 (5 years)

Hbw Securities Llc

2012 - 2017 (5 years)

Disclosures

Exclamation point means they have disclosures of this type. Check mark means no disclosures of this type were found.

Business activities & affiliations

Galen H

CFP®

Newbury Park, CA

Buff Your Finances

It's my mission to make sure that all streamers learn how to run their businesses and manage their personal finances. I want to help you transition from an accidental business owner to someone who acts with intention and knowledge. Most of us weren't taught those skills in school. I see so much potential in all of you and I don't want something as manageable as taxes get in your way. I couldn't find any traditional planning firms working with streamers so I went out and started my own. I have always had an obsession with video games. WoW basically consumed my college life. When I moved halfway across the country for a new job I found my friends in the StarCraft club at work. I watch professional DotA 2 and StarCraft whenever I can. My current addiction is Rimworld. For the credentials: I'm a CERTIFIED FINANCIAL PLANNER™ Professional and have my MBA in personal financial planning. Additionally, I write for StreamerSquare as well as my own blog.

Business exit / sale strategy Tax strategies for small businesses Student loan debt Entertainment Industry Founder/Business Owner Gen Y/Millennials (Born 1980-1995)

Chinh L

Series 66

Oxnard, CA

Fidelity

Chinh Lai serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2019. In this role, he focuses on financial planning with an emphasis on retirement, including planning for retirement, transitioning into retirement, and planning during retirement. He adopts an educational approach to help clients understand key financial concepts and feel confident in their decisions. Before joining Fidelity Investments, Chinh worked as an Assistant Vice President and Private Banker at Wells Fargo Bank, N.A. from 2008 to 2019. He holds a California Insurance License. Outside of work, Chinh enjoys family activities, football, tennis, traveling, and socializing with friends.

General retirement planning Early retirement planning Retirement income strategy

Anthony R

CFP®, Series 63, Series 66

Ventura, CA

Fidelity

Anthony Rossi-Berg is the Vice President, Financial Consultant at Fidelity Investments, a role he has held since 2023. He has been with Fidelity Investments since 2014, progressing through various positions including Financial Consultant, Investment Consultant, and Workplace Planning and Guidance Consultant. His professional experience spans nearly a decade in financial planning and consulting. Anthony holds a California Insurance License, which supports his work in the financial services industry. He focuses on helping clients simplify the complexities of financial planning. Outside of his professional life, Anthony enjoys cooking and baking, golf, reading, and surfing.

Wealth management

Ryan M

Series 63, Series 65

Newbury Park, CA

Fidelity

Ryan Myers serves as Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity Investments since 2005, progressing through positions including Financial Consultant, Investment Consultant, and Financial Representative. Prior to joining Fidelity, Ryan worked at JP Morgan Chase as a Relationship Manager and Financial Advisor, and began his financial services career as a Personal Banker at Bank of America. Ryan holds a California Insurance License. He focuses on building trust with clients through personalized financial planning approaches aimed at aligning with their individual objectives.

Wealth management

John S

Series 63, Series 65

Oxnard Beach, CA

Merrill

John Spruill is a Wealth Management Advisor with Merrill Lynch Wealth Management. He brings over 25 years of experience in financial advising, focusing on areas such as college education planning, divorce transition planning, family wealth management strategies, personal retirement planning, and retirement income. John leverages his background as a former U.S. Air Force Weather Officer and his training to simplify complex financial matters, helping clients achieve clarity and confidence in their financial decisions. John holds a Bachelor of Science degree in Meteorology from Florida State University and an MBA in Financial Planning from California Lutheran University. He is a CERTIFIED FINANCIAL PLANNER® professional and holds several designations including Certified Plan Fiduciary Advisor (CPFA), Retirement Benefits Consultant (RBC), and Personal Investment Advisor (PIA). Additionally, John maintains Series 6, 7, 26, 63, and 65 FINRA registrations and holds Life Insurance and Annuity Licenses. His role as a Senior Portfolio Advisor allows him to build and manage customized investment strategies, often managing portfolios on a discretionary basis through Merrill’s Investment Advisory Program. John is actively involved in his community, contributing to organizations such as the Boy Scouts of America—of which he is an Eagle Scout—and the Ventura County Rescue Mission. He resides in Oxnard, California, with his wife, Karyn. His personal interests include baseball, football, hiking, running, surfing, and swimming.

General retirement planning Retirement income strategy College savings (529s, UTMA, etc.) Divorce financial planning Family Business

Adonis C

Series 66

Camarillo, CA

Edward Jones

Retirement income strategy Retirement plans for business owners (SEP, solo 401k) Business ownership considerations Wealth management Founder/Business Owner
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