Rafael Torres

VP - Financial Consultant

201-267-8688
Contact Me

Financial credentials

  • Series 7, 66 Securities Licenses
  • Life & Variable Annuity Insurance License

Experience

12 years of professional experience

  • VP - Financial Consultant, Charles Schwab, 2024-present
  • Financial Consultant, E*Trade From Morgan Stanley, 2021-2024
  • Regional Banking Private Banker, Wells Fargo Bank, 2012-2021

Personal interests and affiliations

  • Metuchen Little League Coach
  • Metuchen Chamber of Commerce
Mailing address

Standard mailing address:

Charles Schwab & Co, Inc
Omaha Operation Center
P.O. Box 2339
Omaha, NE 68103

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Find more about my securities licenses, disclosures and work history on FINRA's BrokerCheck.

Common Questions

Visit your local branch to meet with an advisor in person or call 877-336-5388. 

Find a branch 

Your Financial Consultant can provide professional guidance to help you stay on track with your financial goals. They can help with things like being a sounding board for investment decisions, helping to position your portfolio to weather volatile markets, and providing an informative point of view.

Your Financial Consultant makes recommendations based on you—your goals, your financial situation, your tolerance for risk, and any other factors that should be considered so that the guidance you receive fits what you want to accomplish. Their compensation is structured to help limit conflict of interest, focusing on your priorities. 

Schwab believes in transparent pricing for all our products and services. There are no fees to work with your Financial Consultant, but the implementation of recommendations by your Financial Consultant may result in trade commissions or other fees, charges, or expenses. Your Financial Consultant will review any applicable fees and commissions you'll be paying, so those costs will be transparent, and you'll understand exactly what you're paying.

Your Financial Consultant1 is paid in several ways. First, they receive a "base salary" to serve all the clients in their practice. Financial Consultants also receive two other sources of compensation: service and solutions pay. To learn more, visit our Financial Consultant's compensation page.

Dedicated Financial Consultants are generally made available to clients with $500,000 or more in assets at Schwab and more complex investing needs. That said, you and every Schwab client can count on tools, research, and 24/7 support from investment professionals to help you reach your goals.

All of our Financial Consultants provide highly personalized advice based on your goals, asset size, and investing needs. They can also connect you to specialists when you have more complex planning and financial needs, such as a trust, an estate, and a fixed income.

Schwab employees and associates include various types of investment professionals that are compensated differently, from Financial Consultants to Wealth Consultants. We provide the full list of investment professionals and how they're compensated on our website. Please note that there are certain eligibility requirements for working with a dedicated Financial Consultant.

The implementation of recommendations by your Financial Consultant may result in trade commissions or other fees, charges, or expenses.

Representatives may only conduct business with residents of the states for which they are properly licensed.

Third-party entities, companies, and organizations that may be referenced on this page are not affiliated with Charles Schwab & Co., Inc. or any of its affiliates.

Wealth management refers to products and services available through the operating subsidiaries of The Charles Schwab Corporation of which there are important differences including, but not limited to, the type of advice and assistance provided, fees charged, and the rights and obligations of the parties. It is important to understand the differences when determining which products and/or services to select.

Investors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges, and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.

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