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Finances FOR Real Life

Finances FOR Real Life. CRD 324090

Finances FOR Real Life logo

CRD: 324090

Finances FOR Real Life

Lompoc, CA, 93436
8057332700
$108.6M Total AUM
$108.6M Disc. AUM
-- 3Y CAGR
2 Employees
131 ADV. Clients
3 yrs Firm Age

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Firm Details

Custodian
LPL Financial
Clients
Retail and Institutional
Platforms
--
Established Date
03-27-2023
Office Locations
1

Office Locations

3612 Constellation Road Lompoc CA

About Finances FOR Real Life

Finances For Real Life is a California-based RIA providing goal-focused financial planning and ongoing investment advice for individuals and families navigating milestones like homebuying, education, and retirement. The team (including CFP Wanda Toro) is affiliated with LPL Financial for brokerage services and offers client access through MyAccountViewOnline. The firm also publishes an “Our Podcast” and maintains an active presence across LinkedIn, YouTube, Instagram, and Spotify.

Team overview

61 AVG AGE
$54.3M AVG AUM / ADVISOR
$829.0K AVG AUM / CLIENT
3.3 yrs AVG TENURE
2 Employees
2 Advisory Reps
2 RIA Reps
3yrs Firm Age

Insights

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Asset Classes

Wave vector Capital Peak

Client Personas

Optima

Custodian

Pathway legacy

Investment Themes

Peak element Wave Vertex peak Radial

Investment Vehicles

Optima north

Services

Prime oak Signal Timber Zenith Foundation timber Element foundation

Owner & Executives

W

WANDA TERESA TORO

Chief Executive Officer, LPL Financial Advisor, Owner

CRD
#2333643
Ownership
75% or more
(814) 456-8764
unison.wave@meridiancapital.com
in linkedin.com/in/ridge-capital
P

PEGGY SUE VAN HOOK

Chief Compliance Officer, Managing Director

CRD
#6801174
Ownership
Less than 5%
(610) 610-1989
momentum.vector@capitalcapital.com
in linkedin.com/in/capital-legacy

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Contacts

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Assets Under Management

Total AUM
Discretionary
Non-Discretionary
06-03-2026
Category Assets AVG. Account size
Discretionary $108,598,044 $327,103
Non-Discretionary $0 --
Total $108,598,044 $327,103

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Separately Managed Accounts

Total SMA Asset: $108,598,044

$108.6M Total SMA
Public Funds:
35.5%
Cash:
27.6%
Equity - Exchange:
36.9%
Asset class Assets Assets %
Public Funds $742,803,193 35.5%
Cash $577,503,328 27.6%
Equity - Exchange $772,096,840 36.9%
Total $2,092,403,361 100.0%

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