Joseph Bonanno is a financial advisor at HBW Advisory Services LLC with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at HBW Advisory Services since 2015. In addition to his advisory role, he owns and operates a web application development business. HBW Advisory Services manages approximately $1.75 billion in assets and serves individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach using third-party money managers and emphasizes multi-manager diversification, offering a high client load per advisor and a mix of retail, charitable, and institutional clients.

Kenji Saito is a financial advisor at HBW Advisory Services LLC with 16 years of industry experience. He holds a Series 66 designation and previously worked at Centaurus Financial, Inc. for 10 years. Outside of advising, he serves as president of FC Andrews Financial Education and teaches a financial education class for adult learners at Santa Barbara City College. HBW Advisory Services manages approximately $1.75 billion in client assets, providing asset management, financial planning, and consulting to individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach, combining tactical allocation, fixed income, and multi-manager diversification, and offers sub-advisory, co-advisory, and online wrap-fee portfolio services.

Michael Linder is a Series 65-licensed advisor with HBW Advisory Services LLC in Middleton, Idaho, and has three years of industry experience. He has been affiliated with HBW Insurance and Financial Services since 1995, where he also works as an insurance agent selling fixed products. HBW Advisory Services manages approximately $1.75 billion in client assets, serving individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach with third-party money managers and offers sub-advisory, co-advisor, and subscription services, including a wrap-fee portfolio option through Betterment Institutional.

Rick Harbus is an investment advisory representative at HBW Advisory Services LLC with 34 years of industry experience. He has worked at CETERA Advisor Networks LLC and HBW Securities LLC prior to his current roles. Outside of financial advising, Harbus owns and operates an automobile restoration business and is involved in several entrepreneurial ventures including a coffee company and automotive productions. HBW Advisory Services manages approximately $1.75 billion in client assets and serves a diverse range of clients including individuals, families, charitable organizations, and retirement plans. The firm employs a blended investment approach combining tactical asset allocation, fixed income, and multi-manager diversification, and offers sub-advisory and co-advisor services as well as online wrap-fee portfolios through Betterment Institutional.

Kaushik Sirkar is a Series 65-licensed financial advisor with eight years of industry experience, currently affiliated with HBW Advisory Services LLC. His background includes roles in mortgage lending and real estate sales, including positions at One Real Mortgage and Real Broker Technologies. Outside of advisory work, he is involved in real estate sales and marketing and operates a wealth management advisory business. HBW Advisory Services manages approximately $1.75 billion in assets and serves a diverse client base including individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach using third-party money managers and model portfolios, and distinguishes itself through high client loads per advisor and a mix of retail, institutional, and intermediary services.

Collin Vaz is a financial advisor with HBW Advisory Services LLC, holding a Series 65 designation and one year of industry experience. Prior to joining the firm, he has worked in various roles including a booking manager at Spin Nightclub in San Diego. Outside of his advisory role, he is involved in the event venue business as a booking manager. HBW Advisory Services manages approximately $1.75 billion in client assets and serves a diverse client base that includes individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach that combines tactical asset allocation, fixed income, and multi-manager diversification, and it provides both discretionary and non-discretionary services through various platforms, including partnerships with third-party money managers.

Sean Cisney is a financial advisor with HBW Advisory Services LLC, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has been with HBW since 2017. Outside of his advisory role, he serves as Treasurer for the Garden Homes Fire Protection District Volunteer Fire Department, where he manages financial reporting and tax filings. HBW Advisory Services manages approximately $1.75 billion in client assets, providing asset management, financial planning, and consulting to individuals, families, charitable organizations, and institutions. The firm employs a blended investment approach that includes tactical asset allocation and multi-manager diversification, and it services a high client load per advisor while offering sub-advisory and retirement plan subscription services.

Sarah Linder is a financial advisor at HBW Advisory Services LLC with 15 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at HBW Advisory Services since 2021, following prior roles at Cetera Advisor Networks LLC, HBW Securities LLC, and HBW Insurance & Financial Services, Inc. Outside of financial advising, she is a wellness advocate for doTERRA, assisting friends and family with essential oils. HBW Advisory Services manages approximately $1.75 billion in client assets, providing asset management, financial planning, and consulting to individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach using third-party money managers and emphasizes a high client load per advisor alongside institutional and intermediary services.

Todd Penrod is a financial advisor with HBW Advisory Services LLC in Simi Valley, CA, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has worked with HBW Advisory Services since 2015 and has been affiliated with Cetera Advisor Networks LLC since 2017. Penrod also serves as a compliance officer within the HBW organization. HBW Advisory Services manages approximately $1.75 billion in client assets and provides a range of investment management, financial planning, and consulting services to individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach that includes tactical asset allocation and multi-manager diversification, and it serves a large client base with a notable emphasis on institutional and intermediary roles.

Stephen Foley is a financial advisor with HBW Advisory Services LLC in Kerrville, TX, holding Series 63 and Series 65 licenses and 15 years of industry experience. He has been with HBW Advisory Services and HBW Insurance & Financial Services since 2010. Outside of his advisory role, Foley is the sole owner of Guadalupe Investment & Advisory Services, where he handles sales and marketing. HBW Advisory Services manages approximately $1.75 billion in client assets and serves a diverse client base including individuals, families, charitable organizations, businesses, and retirement plans. The firm combines tactical asset allocation, fixed income, and multi-manager diversification using third-party money managers and sub-advisers, and it supports its operations with AI tools for efficiency.

Jorge Meza Jr. is a financial advisor with HBW Advisory Services LLC, holding Series 63 and Series 65 designations and bringing 25 years of industry experience. He has worked with Meza Wealth Management, Cetera Wealth Services, and HBW Securities LLC, among others. Meza is also involved as a board member of the Santa Clarita Business Group, a local networking organization. HBW Advisory Services manages approximately $1.75 billion in client assets, providing asset management, financial planning, and consulting to individuals, families, charitable organizations, and institutional clients. The firm employs a blended investment approach using third-party money managers and sub-advisers, and offers a range of services including sub-advisory and wrap-fee portfolio options.

Jeff Crawford is a financial advisor with HBW Advisory Services LLC in Boise, ID, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with HBW Advisory Services and related entities since 2004 and has held roles including President and CEO of HBW Crawford & Associates, Inc. In addition to his advisory duties, he holds an active real estate license and assists clients with property transactions on a referral basis. HBW Advisory Services manages approximately $1.75 billion in client assets and provides financial planning, asset management, and consulting services to individuals, families, charitable organizations, businesses, and retirement plans. The firm uses a risk-tolerance based approach that combines tactical asset allocation, fixed income, and multi-manager diversification, and it serves a large client base through institutional, intermediary, and retail channels.

Nicholas Mitchell is a CFP® professional with 12 years of industry experience, currently serving at HBW Advisory Services LLC. His prior work includes roles at Cetera Advisor Networks LLC and HBW Securities LLC. He is also a passive owner of Daycation Senior Activity Center, an adult day center for the elderly. HBW Advisory Services manages approximately $1.75 billion in client assets, providing a range of financial planning, asset management, and consulting services to individuals, families, businesses, and institutional clients. The firm employs a blended investment approach that incorporates tactical asset allocation and multi-manager diversification, and it is notable for its high client load per advisor and its institutional and intermediary service roles.

Jeffrey Dennison is a financial advisor at HBW Advisory Services LLC with 17 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked with firms including Cetera Wealth Services, LLC and Goodwyn, Mills & Caywood. Dennison is also involved in several outside activities, including serving as executive director of a charity organization and owning businesses focused on land development, social networking events, and website domain sales. HBW Advisory Services manages approximately $1.75 billion in client assets and provides discretionary and non-discretionary asset management, financial planning, and consulting to individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach using third-party money managers, tactical asset allocation, and multi-manager diversification, and offers a high client load per advisor alongside institutional and intermediary services.

Neal Davis Sr. is a financial advisor with HBW Advisory Services LLC in Virginia Beach, VA, holding a Series 66 designation and over 26 years of industry experience. His career includes roles at Silver Oak Securities, Cetera, CUSO Financial Services, and ABNB Federal Credit Union. Outside of investment advisory work, he owns Neal G Davis, LLC, a business tax-purpose entity unrelated to investment operations. HBW Advisory Services manages approximately $1.75 billion in client assets and provides financial planning, asset management, and consulting services to individuals, families, charitable organizations, businesses, and retirement plans. The firm uses a blended investment approach involving third-party money managers, tactical asset allocation, and multi-manager diversification, and it maintains notable institutional and intermediary roles including sub-advisory arrangements and retirement-plan subscription services.

Michael Difiore is a financial advisor at HBW Advisory Services LLC in Simi Valley, CA, holding a Series 65 designation. He has one year of industry experience, joining HBW Advisory Services in 2025 after roles at United Wholesale Lending, Wells Fargo, and JPMorgan Chase. HBW Advisory Services manages approximately $1.75 billion in assets, serving individuals, families, charitable organizations, businesses, and retirement plans with discretionary and non-discretionary asset management, financial planning, and consulting. The firm uses a blended investment approach incorporating tactical asset allocation, fixed income, and multi-manager diversification, and it provides sub-advisory and co-advisory services along with an online wrap-fee portfolio through Betterment Institutional.

Lisa Gilmore is a financial advisor at HBW Advisory Services LLC in Simi Valley, CA, with 20 years of industry experience. She holds Series 63 and Series 65 designations and has worked at several related firms including HBW Partners and Cetera Advisor Networks LLC. HBW Advisory Services manages approximately $1.75 billion in client assets, providing asset management, financial planning, and consulting to individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach with a focus on risk tolerance, diversification, and the use of third-party money managers, serving a large client base with both retail and institutional services.

Aaron Castaneda is a financial advisor with HBW Advisory Services LLC, holding a Series 65 designation and one year of industry experience. He has worked at Pathway Financial Design since 2021 and owns Integrity Window Cleaning, a window washing business. HBW Advisory Services manages approximately $1.75 billion in client assets and provides asset management, financial planning, and consulting to individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach utilizing third-party money managers and model portfolios, serving a large client base with a mix of retail, institutional, and intermediary relationships.

Dale Curtis is a financial advisor at HBW Advisory Services LLC in Temecula, CA, holding a Series 65 designation with 14 years of industry experience. He has been with HBW Advisory Services since 2016. Curtis is also involved with WealthFort, INC., a financial planning and wealth management business. HBW Advisory Services manages approximately $1.75 billion in assets and serves a diverse client base including individuals, families, charitable organizations, and businesses. The firm employs a blended investment approach that incorporates tactical asset allocation and multi-manager diversification, and it offers a range of services including sub-advisory arrangements and retirement-plan subscription services.

Bryan Bradford is a financial advisor with HBW Advisory Services LLC in Brighton, MI, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been involved with multiple ventures including financial planning, tax and business consulting, and serves as CEO of an automotive accessory manufacturing company. Bradford also facilitates a local business referral network and is involved in community activities such as serving as Vice President of the Greenhills Property Owner Association. HBW Advisory Services manages approximately $1.75 billion in client assets, serving a wide range of individuals, families, charitable organizations, and institutional clients. The firm employs a blended investment approach, utilizing third-party money managers, tactical asset allocation, and multi-manager diversification, and incorporates AI tools for operational efficiency while maintaining a high client-to-advisor ratio.