Registered Investment Advisor (RIA)

 

Black Card Circle® Registered Investment Advisor (RIA) firm is a separate and independent entity from Black Card Circle® and is registered with the State of California.

Our assets are custodied through Charles Schwab & Company.

As fully independent advisers, abiding by Certified Financial Planner (CFP®) Board guidelines, we place our clients' interests above our own.

We are advisers who hold the highest standards in professional excellence and maximize our collective experience and talents in building long lasting financial planning relationships with clients.

 

 

 Our Team

Lotay Yang, CFP®

Lotay Yang is a native of California. Lotay earned a dual bachelor’s degree in Political Science and Asian American Studies at the University of California, Los Angeles (UCLA) where he graduated on the Dean’s Honors List.

Lotay founded Black Card Circle® and the Black Card Circle® Registered Investment Advisor (RIA) firm. Lotay has over 23 years of professional experience from investment and banking institutions such as Fidelity Investments and Northern Trust. Lotay is a CERTIFIED FINANCIAL PLANNER™ (CFP®) professional. He also earned his Chartered Retirement Planning Counselor (CRPC®) and Accredited Wealth Management Advisor (AWMA®) designations from the College for Financial Planning.

Lotay currently holds FINRA's Series 7, Series 24, and Series 66 securities registrations; and Life, Health, and Disability Insurance Licenses in California.

Lotay has worked as a District Branch Manager managing a select number of personal clients and helping financial advisors leverage their strengths and experiences to build successful practices. Lotay’s philosophy of business is simple: “If you do what is right for the client, you are doing what is right for the organization.”

 

 

 

Ryan Tape

Ryan Tape is a partner with Black Card Circle Registered Investment Advisor (RIA). Ryan received his Bachelor of Arts degree from California State University of Bakersfield. He entered the financial services industry 14 years ago transitioning into a career in wealth management and financial planning in 2014.

Ryan is a Registered Investment Adviser and earned FINRA's Series 7 and Series 66 securities registrations and the California Life and Health insurance license. Ryan's passion for his profession and care for his clients have fueled his aspirations to acquire his Certified Financial Analyst (CFA) professional certification.

Ryan resides in Camarillo, California and is a member of the Camarillo Kiwanis Club. His girlfriend Kelly, family, friends, and clients mean the world to him. Ryan's goal is to truly make a difference in the lives of everyone he meets. Ryan, and Black Card Circle RIA, share the common goal of always doing whats best for everyone they serve: this mentality truly separates Black Card Circle RIA from the competition.

 

 

 

Michael Lewis, Esq.

Michael Lewis is a licensed attorney with over 20 years experience as a compliance officer. Mr. Lewis’s previous work experience includes working as a compliance officer in the insurance and health care industries as well as being an experienced mediator. He received a Bachelor of Arts in Economics and Business from the University of California, Los Angeles and his Juris Doctor from the University of San Diego School of Law. Mr. Lewis passed the Series 7 and Series 66 securities registrations exams and the California Life, Accident & Health Insurance exam.

 

 

 

Bret Ferrante

Bret is a partner with Black Card Circle Registered Investment Advisor (RIA). Bret is a San Fernando Valley native who currently lives in Woodland Hills, California. He received a bachelor’s degree in Finance & Business Administration from Georgetown University in Washington, D.C. He began his career as an Information Technology (I.T.) Project Manager where he enjoyed helping clients, but later realized that he could make a more direct impact on people lives as a Financial Advisor. 

As a Financial Planner, he helps people translate their financial needs and concerns into concrete plans. He enjoys helping people and businesses create plans that lead them to goals.

Bret earned FINRA’s Series 7, 63, 65 securities registrations, and California's Life, Health and Disability Insurance Licenses. Bret has been married to his wife Joy for 16 years and they have two children.

Good advice comes from a good relationship, built on trust. Bret earns his client’s trust by helping them with: Investment Strategy, Life Event Planning, and Wealth Management.