John Schirner

Jennifer Turner is a financial advisor with LPL Financial in Redlands, CA, holding a Series 63 designation and 32 years of industry experience. She has been affiliated with Retirement Wealth Group, Inc. and LPL Financial since 2009. In addition to her advisory role, she is involved in providing fixed annuities and group health and long-term care insurance through her non-variable insurance businesses. LPL Financial offers advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, banks, charities, and high-net-worth households. The firm supports its advisors with in-house research and model portfolios, providing a variety of investment delivery options tailored to client needs.

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 19 years of industry experience. Prior to founding Royale in 2006, he has worked at UPS since 1988. In addition to advisory services, he sells life, health, and disability insurance to support clients' financial plans. Royale Investment Advisor LLC provides asset management, financial planning, and consulting services primarily to individual and high-net-worth clients. The firm employs a long-term buy-and-hold investment approach while maintaining flexibility for shorter-term trades and manages most assets on a non-discretionary basis, requiring client approval for transactions.

Austin Todd is a financial advisor at Capital United Investments LLC in Yucaipa, CA, holding a Series 65 credential with five years of industry experience. He has operated his own business, Austin Todd DBA Capital United, since 2016, which includes mortgage brokerage and real estate investment activities. Capital United Investments LLC is a small independent firm serving individual and institutional clients, including pension and profit-sharing plans, trusts, estates, and business entities. The firm offers fee-based investment advisory services, discretionary and non-discretionary portfolio management, financial planning, and qualified retirement plan consulting, employing a tactical allocation strategy that incorporates fundamental, technical, and cyclical analysis across various asset classes.

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.

Eric Aragon is a financial advisor with Aragon Advisors in Corona, CA, holding a Series 65 designation and four years of industry experience. He has worked at Cambridge Investment Research Advisors and operates an accounting firm, Aragon Accounting Corp, where he is the founder and a CPA. In addition to his advisory work, he is active in accounting services. Aragon Advisors serves individuals, high-net-worth clients, business owners, and entities, providing investment advisory and financial planning services, including retirement-plan consulting. The firm integrates investment advice with affiliated accounting and insurance services, managing most assets on a non-discretionary basis and emphasizing ERISA 3(21) fiduciary support for plan sponsors.

Thomas Podgorski is a financial advisor at CAtrs Teachers Retirement Services LLC in Riverside, CA, holding Series 63 and Series 65 credentials with seven years of industry experience. He has worked at CAtrs Teachers Retirement Services since 2018 and previously spent 14 years with the Riverside Unified School District. CAtrs Teachers Retirement Services LLC provides financial planning and consulting primarily to educators and related professionals, focusing on investment planning, retirement, insurance, college, and debt/credit planning. The firm uses a structured analytical approach including cyclical and fundamental analysis and modern portfolio theory, offering tailored plans without managing client portfolios or accepting commissions.