# William Torres

> William Torres is a fee-only financial advisor at Cerda Munoz Advisors in Cerritos, California, who holds the PFS credential. Cerda Munoz Advisors reports charging a percentage of assets, hourly fees and fixed fees on its Form ADV.

Page: https://find.wellspent.co/advisors/william-torres/
Built from SEC adviser records; last checked October 30, 2026.

## Facts

- **Firm:** Cerda Munoz Advisors
- **Based in:** Cerritos, California
- **Fee model (firm's Form ADV):** Percentage of assets; Hourly; Fixed fees
- **Assets under management (firm):** $265.7M across 902 accounts
- **Credentials:** PFS
- **CRD:** 4316221 (https://adviserinfo.sec.gov/individual/summary/4316221)
- **SEC registration:** Investment adviser representative in CA
- **Exams passed:** Series 63 (2001), Series 66 (2007)
- **Firm size:** 7 employees
- **Disclosures:** None reported
- **Website:** https://www.btcocpa.com/wealth

## Frequently asked questions

### Is William Torres a fee-only financial advisor?

Yes, according to SEC records as of October 29, 2026: William holds no broker registration, and Cerda Munoz Advisors reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency on its Form ADV.

### How does William charge for financial advice?

William's firm, Cerda Munoz Advisors, reports charging a percentage of assets, hourly fees and fixed fees on its SEC Form ADV.

### Where is William Torres based?

William Torres is based in Cerritos, California.

### What credentials does William Torres hold?

William Torres holds the PFS credential.

### Is William Torres registered with the SEC?

Yes. William Torres is registered as an investment adviser representative in CA (CRD 4316221), per SEC Investment Adviser Public Disclosure data as of October 29, 2026.

### How much does Cerda Munoz Advisors manage?

Cerda Munoz Advisors reports $265.7M across 902 accounts in assets under management.

### How do I contact William Torres?

Through William's website, www.btcocpa.com/wealth.

## Sources

- SEC adviser records (https://adviserinfo.sec.gov/individual/summary/4316221): the firm's Form ADV reports no commissions, no broker-dealer, and no insurance sales or affiliated insurance agency, and the advisor holds no broker registration
- SEC Investment Adviser Public Disclosure and Form ADV: registration, exams, and firm facts, data as of October 29, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.