Melissa Diaz

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.

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.

Cecelia Fairfax is a financial advisor at C Financial and Tax Associates with 41 years of industry experience. She holds the CFP® designation along with Series 63 and Series 65 licenses. Her career includes roles at Innovation Partners LLC since 2016 and Tax & Insurance Services Incorporated since 1989, where she also owns and prepares tax returns and sells insurance products. C Financial and Tax Associates is an independent registered investment adviser serving a diverse client base including individuals, trusts, retirement plans, charitable organizations, and small businesses. The firm operates on a non-discretionary basis, recommending asset allocations and third-party managers while providing comprehensive financial planning, tax preparation, and insurance services.

Andrew Kotyuk is a financial advisor at Alpha Wealth Management, LLC in Hemet, CA, with 21 years of industry experience. He holds the Series 66 designation and has been with Alpha Wealth Management since 2011. Outside of his advisory work, Mr. Kotyuk is the owner of SoCal Propane, LLC, a propane retail company, and serves as CEO of several land development and consulting businesses. Alpha Wealth Management serves individual and high-net-worth clients, as well as trusts, estates, and pension/profit-sharing plans, providing asset management, financial planning, and retirement plan consulting. The firm employs a combination of fundamental and technical analysis to construct and monitor portfolios that include stocks, bonds, ETFs, mutual funds, and other securities, and it uses margin borrowing and options strategies in separately managed accounts.

Dennis Korte is a financial advisor with Railroad Canyon Insurance and Financial Services in Canyon Lake, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been affiliated with Transamerica Financial Advisors since 2002. In addition to his advisory role, he owns and operates an insurance brokerage specializing in life insurance and annuity policies. Railroad Canyon Insurance and Financial Services primarily serves individuals approaching or in retirement, focusing on capital preservation for baby boomers and their parents. The firm emphasizes a safety-first investment approach, providing financial planning, retirement advice, and insurance product recommendations through non-discretionary management and annual account reviews.

Karl Schorr is the principal of Karl Schorr Wealth Management, LLC in Lake Elsinore, CA, holding a Series 65 credential with 13 years of industry experience. He has led his own firm since 2012. The firm provides portfolio management and financial planning to individual investors, small businesses, and non-profits, emphasizing passive investment strategies with low-cost index funds and ETFs. Services include comprehensive written plans, annual reviews, and consulting, with additional offerings such as 1031 exchange consulting and due diligence for Delaware Statutory Trusts.