Efren Vincent Martinez

Suzanne Chen is the principal of SEEN Consulting LLC, an independent advisory firm based in Ontario, California. She holds Series 63 and Series 65 licenses and has 27 years of industry experience, including prior roles at Golden State Advisors, LLC and Amber Systems Technologies. SEEN Consulting LLC provides discretionary portfolio management and financial consulting to individual and high-net-worth clients, managing approximately $52 million across about 32 accounts. The firm combines technical and fundamental analysis with modern portfolio theory to construct diversified portfolios and conducts monthly account reviews while offering financial consulting at no additional charge.

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.

Allen Drake is the sole advisor at Royale Investment Advisor LLC, an independent firm based in Lake Mathews, CA. He holds Series 63 and Series 65 licenses and has 20 years of experience in financial advisory services, having led Royale since 2006. In addition to his advisory role, he sells life, health, and disability insurance as an agent with EMC Insurance Services. Royale Investment Advisor LLC provides asset management and financial planning services primarily to individual and high-net-worth clients. The firm offers tailored portfolios and planning across various areas, including retirement, estate, charitable giving, tax and corporate structuring, and specialized analyses, managing assets largely on a non-discretionary basis with a focus on fundamental analysis and a long-term buy-and-hold strategy.

Minh Tran is a financial advisor at Lone Wolf Wealth Management in Ontario, CA, with one year of industry experience. He holds Series 63 and Series 66 licenses. Prior to his current role, Minh worked at Northwestern Mutual in various capacities from 2025 to 2026 and was with International Tran Corp from 2011 to 2025. Lone Wolf Wealth Management serves individuals, families, small business owners, and employer retirement plan sponsors, offering discretionary and non-discretionary investment management along with comprehensive financial planning. The firm emphasizes customized portfolios, pension consulting, retirement plan design, and integrates charitable giving strategies within estate planning.

Scott Gutman is the sole advisor at Gutman Financial Planning LLC in Loma Linda, CA. He holds a Series 65 license and has two years of experience as a financial advisor. Gutman also works full-time as an Information Exchange Specialist for the Fontana Unified School District, where he handles IT duties related to data management and oversees the Medi-Cal billing department. Gutman Financial Planning LLC serves individuals, families, trusts, and estates with financial planning, investment consulting, and portfolio management on an hourly, project, or ongoing basis. The firm employs a strategic, long-term investment approach focused on asset allocation, diversification, and periodic rebalancing using primarily low-cost mutual funds and ETFs.

Hubert Frederick is a financial advisor at New Talents Financial Services Inc and holds a Series 65 designation. He has one year of advisory experience, previously working in an investment club and spending 17 years at ADP. New Talents Financial Services is a family-owned, independent registered investment adviser that provides discretionary portfolio management and financial planning focused on portfolio-related matters for individuals, high-net-worth clients, and family trusts. The firm emphasizes diversified, long-term investment strategies with low trading frequency, uses third-party custodians, and offers a performance-based fee option for qualified clients.