Stephen James Rohde

Brent Lowe is the sole advisor at Granite Wealth Advisors in Temecula, CA, holding a Series 66 designation with 17 years of industry experience. His prior roles include positions at Laurel Wealth Advisors, Inc., Morgan Stanley, and Merrill. Granite Wealth Advisors is an independent registered investment adviser serving primarily individuals and high-net-worth clients with diversified, risk-based portfolios. The firm emphasizes strategic asset allocation, periodic rebalancing, ongoing portfolio monitoring, and coordinated financial planning, combining in-house management with selected third-party sub-advisers and facilitated online estate-planning services.

Hi, I'm Gerardo but most people call me Jerry. I am a Marine Corps veteran, a first-generation Latino, a CFP® Professional, and the co-founder of Confianza Wealth Management. Everything I've built to this point started from a moment I will never forget. The day I left the Marines, everything changed. In uniform I had structure, purpose, camaraderie, and a consistent paycheck. The day I left, all of it vanished. What followed was a cascade of emotions I was not prepared for: depression, anxiety, and fear. I had grown up facing financial hardships, relying on food stamps and public aid, and suddenly I was on my own with no roadmap and no one who understood what that transition actually costs. That moment changed the direction of my life. I decided to become the guide I wished I had. I obtained my licenses, earned my CFP® certification and my MBA, and joined a firm to learn how to help people build real wealth. For years I helped high-net-worth clients grow their assets but kept seeing the same gap. First-gen families who earn well, save consistently, own property but have no one looking at the full picture. No one building the plan around their actual life. No one who understands that their financial reality includes family obligations that never show up on a spreadsheet and cultural expectations that no textbook ever taught. Growing up in a Latino household, the elders have the final say. I watched financial decisions get made around me that I knew were not right. But questioning them meant disrespecting the people who sacrificed everything for me. So I absorbed it. And I carried that weight into my own financial life without realizing it. I felt the firm I worked at was never built for families like mine. So in 2024, my wife Bianca and I launched Confianza - a name that means trust and confidence built specifically for the first-gen professional who has figured out how to earn well and needs a roadmap for what comes next. We work with first-gen professionals and entrepreneurs, 33 and older, who are already saving and investing but have never had a coordinated financial plan built around their real life: income, assets, family, and the future they are working toward. When I am not working with clients, you will find me outside hiking or camping with Bianca and our German Shepherd, Obi. If you are a first-gen professional or entrepreneur who earns well but has never had a plan built around your actual life, we built this for you.

Terrence Gustafson is a CFP® with over 22 years at Gustafson Financial Solutions and five years of industry experience. He holds the Series 63 designation and operates his independent firm in Oceanside, CA. Gustafson also prepares client tax returns as an Enrolled Agent. Gustafson Financial Solutions provides fee-only financial planning and tax services to individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm emphasizes quantitative screening of mutual funds and ETFs, asset allocation, diversification, and low-expense investments while focusing significantly on tax preparation and broader financial planning.

Scott Weber is a financial advisor with WealthLynk, Inc. in Fallbrook, CA, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Tollminder, UBS Financial Services, Chase Investment Services Corp., and Morgan Stanley. He is also an independent insurance agent. WealthLynk serves individual and high-net-worth clients by providing ongoing portfolio management, financial planning, and recommendations of third-party investment managers via the Altruist platform. The firm operates primarily on a non-discretionary basis, focusing on client-approved trades and long-term investment strategies.

Brad Reinard is the sole advisor at QTR Capital Management LLC, an independent firm based in Oceanside, CA. He holds a Series 65 designation and has six years of industry experience. Brad is also an adjunct professor of Management Science at Chapman University and serves as Chief Publisher of an investment newsletter through MCTO Capital Management LLC DBA Upside Options. QTR Capital Management provides discretionary portfolio management primarily for high-net-worth individuals, offering a range of single-strategy portfolios that include equity, sector rotation, options-based income, and dividend-focused strategies. The firm employs a research-intensive process combining technical, fundamental, and quantitative analysis, utilizing both traditional and options-based positions within client guidelines.

Rick Alvarado is a CFP®-designated financial advisor with 36 years of industry experience. He has been with Wealth One Advisors since 2000 and has a prior affiliation with LPL Financial dating back to 1993. Rick is based in Fallbrook, CA, and holds the Series 63 license. Wealth One Advisors provides financial planning and consulting services to individuals, high-net-worth households, trusts, estates, and certain pension or profit-sharing plans, with a focus on retirement, estate, and protection planning. The firm offers written plans and consulting engagements without managing client assets, using both fundamental and technical analysis to tailor investment strategies that emphasize long-term asset allocation and periodic rebalancing.