Manuel Soto, “The Financial Architect,” has been in the financial industry for nearly two decades. He is the owner and CEO of TFA Insurance Advisors, which is headquartered in Chino Hills, CA.

Manny went from a TOP producing agent to a broker/owner at a young age. By following his personal mantra, “Change what you’re doing to change what you’re getting”, Manny has accumulated close to 2,000 personal clients and has trained thousands of insurance agents, registered representatives, and investment advisors.

What sets Manny apart from other financial representatives is his needs based planning programs. He does not believe in a one size fits all strategy. Manny knows that designing a course of action varies contextually. He knows that a beginner family has different needs than a senior citizen in their retirement age. His ability to customize these plans is possible because of his financial skill set developed through years of experience and study.

Manny is a HUGE believer in results based financial strategies and enjoys sharing his knowledge by speaking publicly. In order to spread the word on the ever changing financial industry, he often speaks at events on programs ranging from Social Security, annuities, life insurance, college planning, business structures, reverse mortgages, and many more.

During the pandemic, Manny also made a decision to franchise the financial planning opportunity. In this way, he hopes to expand The Financial Architect’s reach so that people all over the United States are receiving the financial knowledge they deserve.

Feel free to add him on Facebook @manuelsoto, Instagram @moneybusinessmanny, LinkedIn, and YouTube to find out the latest up to date news on The Financial Architects and the financial world.

Jennifer Ramos is the Managing Partner of The Financial Architects and has been licensed in the financial services industry for over 20 years. With a passion for teaching, Jennifer established herself early in her career as the “trainer of the trainers” and has coached and mentored hundreds of new financial advisors entering the industry. In her previous firm, she was inducted into the Sales Hall of Fame for the number of clients she had helped. As a resident of Rancho Cucamonga, Jennifer expanded The Financial Architects’ footprint by opening an office in the city to serve her neighbors and the community.

Ron Brown is the Managing Partner of The Financial Architects. Ron retired from his first career of over 30 years in the automotive industry and has worked with some of the top dealers in the country. He was with the Penske organization for 18 years where he “grew up” in the business from being a general sales manager, general manager to president of a region. With the love of helping people and seeing the need for sound financial education, Ron joined his life partner of 16 years, Jennifer Ramos, in business, who has been in the financial industry for over 20 years.

Erika Manzano is a PROUD mother of two young adult children and “Glammy” to the love of her life Benjamin. She started her career in accounting and bookkeeping, which also led to working with escrow, title, real estate, and mortgage industry, then full-circle to the financial services, which have now become her passion and calling. She has worked with several clients, who have now become trusted friends.

She specializes in planning strategies that can help achieve her client’s personal financial objectives, whether it be from starting a family to business owners while keeping the client’s goal in mind.

Let me help you design a plan that does not have to be challenging, regardless of your budget.

How confident are you about having a comfortable retirement?

Andreas (Andy) Kramer was born and raised in Germany. He moved to the U.S. in 1999 and earned his Doctoral degree in Business Administration in 2003. A husband and father of two teenagers, Andy held several executive positions at Fortune 500 companies, including Sony BMG, Harman International, Samsung, and Deutsche Bank. He also played a key role in various startups across industries like biotech, coffee import, healthcare, and print/media. Today, he is the Principal of Kramer Cruz Group with Compass Real Estate. Andy recently joined TFA, further expanding his expertise in financial services.

Possessing 27 years of experience in mortgage financing, Celeste Sierra is an experience and driven mortgage professional. As the Broker/Owner for the number one mortgage provider, LOAN|BOX Loans Celeste is dedicated to providing top-quality service to each of her clients.

Celeste’s career in mortgage began with American General Finance nearly twenty years ago. As American General Finance’s Assistant Manager, Celeste became acquainted with extending loan and retail credit, evaluating risks, and managing closing consumer and mortgage loans. When she joined Los Angeles’ Central Installment Credit Corp. as Senior Loan Consultant, her expert knowledge and sales acumen enabled her to consistently exceed sales expectations. In the years following, Celeste furthered her skill and experience by serving as Manager and Broker of Record with JL Investments Pasadena and Vice President and Sales Manager for Bank of Manhattan, where she managed and oversaw the Pasadena, Glendale, and Montebello regions.

Aside from her work in mortgage, Celeste also holds a Real Estate Broker License in the state of California and an affiliate member of both the Pasadena-Foothills Association of Realtors and the Arcadia Board of Realtors. Celeste holds an AA in Liberal Arts from Los Angeles’ Harbor Community College, which she attended from 1994 to 1996. Since her graduation, Celeste has completed the American General Finance, Inc. A.I.G. Insurance Group’s manager certification program and studied international business at the University of Phoenix in Los Angeles. In the past, Celeste has held a Life Insurance Sales license, served as a Notary Public, and been a member of the California Association of Mortgage Professionals (CAMP).

For Celeste, her dedication to meeting the mortgage needs of her neighbors in the greater Los Angeles area goes hand-in-hand with passionate involvement in community affairs. Celeste is a proud member of the Pasadena Chamber of Commerce, a committee member for the Young Professionals Network for Arcadia Board of Realtors, and served as a committee member for the 2013, 2014 PFAR Charitable Foundation’s Wreath Fundraiser and Wine-tasting Fundraiser in 2014, 2015 and present Chair for Wine-tasting fundraiser 2016. Furthermore, Celeste has also been politically active in lobbying for the mortgage industry during her twenty year-long career. In fact, Celeste’s community involvement, leadership ability, and business expertise had her named 2011’s “Outstanding Small Businesswoman” at the 12th Annual Women in Business Legislative Update and Awards luncheon, hosted by California Senator Carol Liu and Assemblymembers Mike Gatto and Anthony Portantino.

When not working tirelessly to provide quality mortgage services or better her community, Celeste is the proud mother of two young girls, Cayllie and Mayah and delights in spending time with them.

Born to parents who migrated from Guadalajara, Mexico, I’ve always been fueled by the immigrant spirit. My journey began at the age of 14 when I took on my first job at a Mexican food restaurant, learning the value of hard work and dedication from an early age.

Blessed with two incredible children, Andria and Eliana, family has been at the core of my life. Together with an old colleague, we co-owned a staffing agencies that specialized in the manufacturing sector, providing employment opportunities to hundreds of individuals in the Inland Empire.

From a young age, I harbored a dream of becoming an interior designer. In 2014, I turned that dream into reality by attending a private interior design school in Newport Beach, California. The launch of my interior design firm in 2016 allowed me to work on diverse projects, ranging from spas to buildings, as well as fulfilling personal endeavors.

The challenges brought by the pandemic in 2020 didn’t deter me; instead, I co-launched a podcast focusing on topics such as relationships, marriage, divorce, and faith. This venture not only allowed me to connect with a broader audience but also provided a platform to share insights and experiences during unprecedented times.

My journey took a turn towards the financial services sector. I embraced new opportunities and challenges with humility. Today, I find myself humbled by the diverse experiences that have shaped my path. My sister and I took a leap of faith and decided to open a TFA franchise. It’s been a learning experience and we love the process and enjoy helping families.

Each step has been a chapter in my story, illustrating the power of dreams, resilience, and the pursuit of meaningful connections, guided by my faith and belief in God’s grace.