David Fricke

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.

Scott Gutman is the sole advisor at Gutman Financial Planning LLC in Loma Linda, CA. He holds a Series 65 designation and has one year of industry experience. Prior to founding his firm, he worked in various roles at the Fontana Unified School District, including as an Information Exchange Specialist responsible for IT data management and Medi-Cal billing. Gutman Financial Planning LLC is a fee-only, state-registered advisory firm that provides financial planning and investment advisory services primarily to individuals and families. The firm employs a long-term, buy-and-hold investment approach emphasizing asset allocation and diversification, often recommending low-cost index funds and conducting educational workshops.

Phillip Gorian is a financial advisor at Gorian Investments in San Bernardino, CA, with 14 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Wilshire Capital Group, Inc., Oaktree Brokerage, Unitedhealthcare, Asset Marketing Systems, and Staffmark. Gorian Investments provides securities investment advisory services to higher-income professionals, businesses, and select institutional clients, including pension plans. The firm employs a conservative, long-term buy-and-hold strategy focused on blue-chip equities and investment-grade bonds, managing accounts primarily on a non-discretionary basis with client approval of investment decisions.

Jeremy Lindsey is the principal advisor at Clarity Advisors Group, Inc. in Redlands, CA, holding a Series 65 license and bringing 12 years of industry experience. He also owns Clarity Tax Advisors, Inc., which provides tax preparation, planning, bookkeeping, and business consulting services. In addition, Lindsey operates a separate business selling life insurance and annuities. 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, incorporating cash flow, retirement, tax, estate, insurance, and business succession strategies, 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.