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Tony Hernandez-Ayala, CFS®, CAS®, CIS™, CES™, CDFS®, CEA

Member in Good Standing
Broker
Downey, CA
CFS® CAS® CIS™ CES™ CDFS®
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About Tony

Tony is a seasoned assets protection professional who specializes in offering an extensive array of financial services. These services encompass long-term, milestone, estate, retirement, and tax planning, as well as life insurance and asset allocation strategies. Since 1994, Tony has forged a successful career and leverages his vast expertise to significantly influence his clients' financial journeys.

 
His meticulous approach involves close collaboration with clients to craft comprehensive plans, conducting thorough evaluations of investments, and engaging in insightful discussions to monitor progress toward attaining their financial objectives. In addition to his wealth of experience, Tony holds insurance licenses and has achieved numerous distinguished designations, including one of the oldest designations in the mutual fund industry.

Education

Bachelor's degree

Licenses

Life
Accident & Health
Property & Casualty
0B34410

Other Credentials

CEA

IBF Designations

Certified Fund Specialist
Deep, practical knowledge of mutual funds, ETFs, and managed portfolios.
Certified Annuity Specialist
Fixed, variable, and indexed annuities. Accumulation and distribution strategies.
Certified Income Specialist
Retirement income planning, withdrawal strategies, and distribution optimization.
Certified Estate & Trust Specialist
Estate planning, trusts, wealth transfer, and fiduciary responsibilities.
Certified Divorce Financial Specialist
Financial analysis and planning for divorce proceedings and settlement.
Interested in earning an IBF designation? Explore all programs

Contact Tony

Downey, CA
Email

At a Glance

IBF Designations 5
Member Since 2022
Other Credentials 1
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Practitioner-Reviewed education since 1988
Profile verified · March 2026

What makes an IBF-designated advisor different?

1988
Established track record
Founded by a practicing financial advisor who believed designations should teach practical skills, not just theory.
CE
Ongoing requirement
IBF-designated advisors maintain credentials through continuous education, keeping knowledge current.
501(c)(3)
Nonprofit education
Focused on advisor education and professional development. Content reviewed by practicing advisors and SMEs.