Bryant Armando Ruiz

Kevin Riggs Apolinar is a financial advisor at Behavior Shift with three years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones and currently serves as a Personal Financial Counselor for Magellan Federal. Outside of his advisory work, he is a part-owner of Good Finds Company, a retail business that sells curated merchandise at local market events. Behavior Shift provides investment management and financial planning services to individual clients, including high-net-worth individuals, using a fee-only structure. The firm combines Modern Portfolio Theory with behavioral finance concepts and offers faith-based investment options, serving a client base that includes non-U.S. residents.

Jennifer Turner is a financial advisor with Retirement Wealth Group, Inc. in Redlands, CA, holding a Series 63 designation and bringing 33 years of industry experience. She has worked at Retirement Wealth Group and LPL Financial Corp since 2009. Her business activities include providing fixed annuities and group health and long-term care insurance. Retirement Wealth Group, Inc. offers financial planning and consulting services to individuals, including trusts, estates, and retirement accounts. The firm uses both fundamental and technical analysis and employs Modern Portfolio Theory in portfolio construction, providing planning and implementation on hourly or fixed-fee bases rather than charging based on assets under management.

Austin Todd is the sole advisor at Capital United Investments LLC in Yucaipa, CA, holding a Series 65 designation with five years of industry experience. He has operated as Austin Todd DBA Capital United since 2016, combining investment advisory services with mortgage brokerage and real estate investing activities. Capital United Investments LLC is an independent advisory firm serving individuals, trusts, corporations, and plan sponsors with fee-based portfolio management, financial planning, and qualified retirement plan consulting. The firm employs a tactical asset-allocation approach that incorporates fundamental, technical, and cyclical analysis and offers both discretionary and non-discretionary services.

Jeremy Lindsey is a financial advisor with Clarity Advisors Group, Inc. in Redlands, CA, holding a Series 65 license and 11 years of industry experience. He founded and owns Clarity Tax Advisors, Inc., which provides tax preparation, planning, bookkeeping, and consulting services. Lindsey also sells life insurance and annuity products as a separate business activity. Clarity Advisors Group, Inc. offers fee-based comprehensive financial planning and investment advisory services primarily to business owners and individual clients. The firm emphasizes holistic financial planning and manages client assets on a non-discretionary basis using mutual funds, ETFs, indexed annuities, and separate account managers.

Michael Bosman is the principal of Bosman Wealth Management, LLC, an independent advisory firm based in Redlands, CA. He holds Series 65, 66, and 63 licenses and has 19 years of experience in the financial industry. Bosman has served as an adjunct professor at the University of Redlands and is a director of Friends of the A.K. Smiley Public Library. Bosman Wealth Management provides fee-based investment advisory services to individuals, high-net-worth clients, and retirement plan sponsors, offering both discretionary and non-discretionary portfolio management as well as ERISA 3(21) plan advisory services. The firm uses a combination of fundamental and technical analysis, including options strategies, tailored to client goals and risk tolerance, and also offers pension consulting and no-fee educational seminars.

William Lindsey is a financial advisor with Lindsey Financial, Inc. in Redlands, CA, holding Series 63 and Series 65 licenses and with 26 years of industry experience. He has led Lindsey Financial Group since 1998. Outside of his advisory role, Lindsey is involved in several business ventures including commercial farming through Miracle Acres Farm and operating mobile office rentals via Serenity Take Me Away LLC. Lindsey Financial, Inc. provides fee-based financial planning focused on individual and corporate clients, emphasizing tailored plans without managing investment accounts. The firm uses a structured five-step planning process and refers clients to third-party money managers for portfolio implementation.