Meet the Team! Jorge Meza ChFEBC Servicing Santa Clarita & Los Angeles Jorge Meza ChFEBC is an Investment Advisor Representative. He brings over 20 years of experience in the Financial Services arena. Proficient in all aspects of retirement planning, he currently focuses on clients in the federal, state, & county arenas. Jorge has extensive experience in Capital Management, 401(k)s, IRAs, 403Bs, TSPs, deferred compensation, and other retirement plans. Jorge is a Series 6, 26, 63, and 65 registered Investment Advisor Representative with HBW Advisory Services LLC and a Registered Representative with HBW Partners. Additionally as an ELP SmartVestor through Dave Ramsey, Jorge’s other accreditations include certification as a Chartered Federal Employee Benefits (ChFEBC) Consultant and PAYCHEX Advisor. Jorge is licensed Life & Long Term Care Insurance, and produces in the states of California and Michigan. He is further registered in Arizona, Indiana, and Missouri. Jorge was raised in the Los Angeles area. He currently lives in Santa Clarita with his wife Theresa; and three children, Justine, Jorge and Jessica. Theresa and Justine also hold Life Insurance licenses. For over 20 years, Jorge has been helping people plan for a better future. Servicing Santa Clarita, & Los Angeles *Working with an advisor that is part of the SmartVestor network cannot guarantee investment success or that financial goals will be achieved. There can be no assurance that working with a Dave Ramsey SmartVestor Pro (SVP) will produce or achieve better results than working with an advisor not affiliated with the SmartVestor program. Advisors that participate in this program pay a fee to belong to the program for client leads that are provided. Dave Ramsey and the Dave Ramsey SmartVestor program is not affiliated with Cetera and HBW Partners and is not sponsored or endorsed by Cetera nor HBW Partners. Joe Bonanno, Chief Investment Officer Servicing Los Angeles Joe was the founding advisor of HBW Advisory Services LLC in 2007 and currently servers as President and Chief Investment Officer of the firm. He is passionate in his belief that only independent advisors, such as Jorge Meza, can truly offer the unbiased conflict-free advice that people deserve. Joe began his life-long study of money and markets in 1988, just after the “crash” of ’87. It turned out of course that it was not much of a crash, but fear lingered in the minds of many. Joe has earned his Bachelor Degree from the University of California at Los Angles (UCLA) and holds a Series 65 license. Along with those certifications, more than 30 years, hundreds of finance books, and thousands of study hours later, Joe's core beliefs about money management come down to just a few things: One: It is essential that clients sleep well at night with their investments. And not just their investment but their financial lives in general. Two: There are natural laws that apply to investing, just like mathematics or the natural world. Three: Investors are rewarded for their optimism and patience. There is every reason to have faith. Joe helps advisors and investors find theirs. Rick Harbus Servicing VenturaRick Harbus is an Investment Advisor Representative. He has been licensed and practicing in the financial advisory arena for over 23 years and has been in business for over 33 years. Rick is proficient in all aspects of retirement planning, college education planning and succession planning. Rick has received many distinguished awards for achievement in the field of financial planning. Rick was born and raised in Southern California. He is blessed to share his life with his 4 wonderful daughters, Danae, Kyra, Megan and Brittan. Rick and his girls actively play competitive soccer and tennis together. Rick Harbus, owner of the Ventura County firm Cornerstone Financial, is a Securities Representative of HBW Partners and HBW Advisory Services LLC. Rick is Series 6, 63, 65 and 26 registered. Rick has been licensed and in business since 1991. Ron Rotenberg Servicing Palos Verdes, & TorranceRon Rotenberg has been in financial services for over 15 years. He is experienced in Investment Planning and Insurance. As an Investment Advisor Representative with HBW Advisory, Ron focuses on Buy-Sell Agreements, Disability Insurance, Life Insurance, and Employee Benefits (including group health insurance, retirement, and profit sharing plans.) Reallocating and repositioning assets for safety, growth, legacy planning, and income planning are part of his approach. Ron looks at the whole picture for his clients, encourages education and understanding before decision making. Ron lives in Southern California. He has been married for over 20 years with 3 children. http://www.hbwfinancialadvisor.com. *Ron Rotenberg is not affiliated or registered with Cetera Advisor Networks LLC. Any information provided by Ron is no way related to Cetera Advisor Networks LLC or its registered representatives. Trent BranwartServicing KansasTrent Branwart is an Investment Advisor Representative. Trent graduated from Central Missouri State University Summa Cum Laude with a degree in Aviation Science. He worked as a professional corporate pilot for many years and developed an interest in financial services at this time. Trent decided to train and pursue investing in 2003 with HBW Financial Services. His greatest pleasure as a trusted advisor is being able to help people achieve their goals and educating them along the way. Trent shares five children with his wife of nineteen years. He enjoys outdoor activities, fishing and traveling.*Trent BranWart is not affiliated or registered with Cetera Advisor Networks LLC. Any information provided by Ron is no way related to Cetera Advisor Networks LLC or its registered representatives. Theresa Meza* is our Special Events Coordinator. She is a licensed insurance agent with over specializing with 10 years experience of Long-Term Care and life insurance. *Theresa Meza is not affiliated or registered with Cetera Advisor Networks LLC. Any information provided by Theresa is no way related to Cetera Advisor Networks LLC or its registered representatives. Jessica Meza is our Manager of Operations and Underwriting Assistant for Long Term Care and Life Insurance. She has a bachelor degree from the State University of Northridge.