Brent Lowe is a financial advisor with Granite Wealth Advisors in Temecula, CA, holding a Series 66 designation and 17 years of industry experience. He has worked at Granite Wealth Advisors since 2018 and previously spent eight years with Laurel Wealth Advisors, Inc. Granite Wealth Advisors serves individuals—including high-net-worth clients—trusts, estates, business entities, charitable organizations, and retirement plans. The firm constructs diversified, risk-based portfolios using mutual funds, ETFs, stocks, and bonds, offering both discretionary and non-discretionary portfolio management tailored to each client’s financial situation and objectives.

WHY JERRY CHOSE TO BE A FINANCIAL PLANNER: His lack of financial literacy was not by choice. It was because personal finance was not taught in school or in his community. As a first-generation wealth builder, Jerry's money journey has been shaped by a profound understanding of both cultural and financial expectations. His experiences have uniquely positioned him to empathize with the challenges faced by first-generation families, inspiring a distinctive approach to financial guidance. His moment of profound solitude occurred during his transition from the Marine Corps back to civilian life. In uniform, Jerry felt in control, with camaraderie, financial stability, and a consistent salary. However, the day he left, all that stability vanished giving way to a cascade of emotions - depression, anxiety, and fear. Jerry, who had grown up facing financial hardships, relying on food stamps, and public aid, knew it was time to stop merely talking about wanting to build wealth and start acting. The realization struck deep: He needed to make a difference not just for himself, but for others facing similar issues. Motivated by a desire to help his family and friends, Jerry decided to be the guide he wished he'd had. He obtained his license, college degree, and joined a firm not only to enhance his life but the lives of other 1st-time wealth builders. After a few years of helping high net worth individuals grow their assets, Jerry felt the firm wasn't built to help families like his. In 2024, Jerry took the leap and launched Confianza Wealth Management as a guide for aspiring wealth builders. Jerry is on a mission to empower 1st-time wealth building families. Jerry wants to bridge the financial planning accessibility gap by helping these millennial families take control of their financial futures.

Terrence Gustafson is the principal of Gustafson Financial Solutions in Oceanside, CA, and holds the CFP® and Series 63 designations. He has 22 years of experience at his independent firm and also holds credentials as an Enrolled Agent, preparing client tax returns alongside financial advising. Gustafson Financial Solutions serves individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations, offering financial, retirement, and estate planning, as well as risk reviews and tax planning. The firm focuses on portfolio analysis and commission-free mutual fund and ETF recommendations, using a proprietary database and computerized screening to develop asset allocations and fund selections.

Scott Weber is a financial advisor with WealthLynk, Inc., holding a Series 66 designation and 19 years of industry experience. He previously worked at J.P. Morgan Securities LLC and Tollminder before joining WealthLynk. In addition to his advisory role, he is an independent insurance agent. WealthLynk provides ongoing portfolio management and financial planning to individual, high-net-worth, and charitable organization clients. The firm offers tailored, non-discretionary investment recommendations based on long-term strategies and multiple analytical methods, conducting at least quarterly account reviews and implementing trades only with client consent.

Brad Reinard is the sole advisor at QTR Capital Management LLC in Oceanside, CA, holding a Series 65 license with five years of industry experience. He has been with QTR Capital Management since 2020 and serves as an adjunct professor of Management Science at Chapman University’s Argyros School of Business and Economics. Additionally, he is the chief publisher of an investment newsletter through MCTO Capital Management LLC, a role he has held since 2008. QTR Capital Management provides discretionary investment management primarily to high-net-worth individuals through separately managed accounts. The firm employs a range of equity, ETF, and options strategies that combine technical, fundamental, and quantitative analysis, offering both long/short equity trades and non-directional options strategies tailored to client preferences.

Rick Alvarado is a CFP® professional with 35 years of industry experience. He has been with Wealth One Advisors since 2000 and has also worked with LPL Financial (formerly Linsco/Private Ledger Corp.) since 1993. His practice includes providing financial planning services and occasional work related to fixed annuities. Wealth One Advisors offers financial planning and consulting services to individuals, high-net-worth households, and certain pension and profit-sharing plans. The firm does not manage client assets or accept custody, instead focusing on written financial plans and hourly consulting, using both fundamental and technical analysis to support long-term asset allocation and other strategies.

Darren Schuringa is a CFA® charterholder and the sole advisor at Yorkville Capital Management LLC, where he has worked since 2006. He has 20 years of industry experience. Yorkville Capital Management provides discretionary portfolio management and investment supervisory services to high-net-worth individuals and various institutional and household accounts. The firm employs proprietary risk models and asset-allocation algorithms, tactical hedging, and short selling as part of its risk-management strategy.

Amy Sharp is the principal advisor at Amy T. Sharp, CFP, LLC, an independent firm based in Oceanside, CA. She holds the CFP® designation and has 30 years of industry experience. Prior to founding her firm in 2016, she worked at Investacorp Advisory Services and Investacorp Inc. Outside of financial advising, she co-owns a family business that produces sugar-free confections. Amy T. Sharp, CFP, LLC provides comprehensive financial planning and discretionary portfolio management for individuals, businesses, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm manages approximately $57.8 million in client assets and emphasizes broadly diversified portfolios with ongoing monitoring and formal reviews tailored to clients’ risk tolerance and time horizon.

Glenn Cunningham is a CFP® with 25 years of industry experience and the sole advisor at GC Asset Management, which he founded in 2011. Prior to this, he founded and serves as president of Airoptions Aviation, LLC, a private air charter business. He also holds a leadership role as an action officer in the U.S. Marine Corps focused on military training support. GC Asset Management provides discretionary investment management and financial planning services primarily to individual and high-net-worth clients. The firm employs a proprietary investment strategy that combines fundamental, technical, and market analysis, incorporating options, margin, and concentrated positions as part of active portfolio management and hedging.

Karen Corcoran is the principal of Corcoran Wealth Management LLC in Temecula, CA, with 15 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Secure Investment Management, LLC and J.D. Mellberg Financial, LLC. In addition to her advisory role, she operates an insurance agency. Corcoran Wealth Management LLC provides discretionary asset management, financial planning, and consulting services primarily to individual and high-net-worth clients. The firm employs a range of analytical approaches to tailor portfolios to client goals and also refers clients to third-party managers, monitoring their performance and conducting periodic reviews.

Chano Arellano is a financial advisor at Building Equities, LLC with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has worked independently since 1995, with prior roles at Calton & Associates, Inc. and Whitney Kuhn, LLC. Outside of advisory work, he operates as a licensed insurance agent and serves as an independent contractor for Redfin, assisting with home showings. Building Equities LLC provides portfolio management and investment advisory services primarily to individual clients, utilizing standard instruments such as mutual funds, equities, fixed income, and ETFs. The firm employs both charting and fundamental analysis, engaging in various trading strategies including long- and short-term trading, margin transactions, and options.

Roland Ortiz is a financial advisor at Athena Wealth Management in Murrieta, CA, holding a Series 66 designation with seven years of industry experience. He previously worked at Merrill Lynch and Bank of America and operates as an independent insurance agent offering life, disability, and fixed annuity insurance products. Athena Wealth Management provides financial planning, investment consultation, and management services to individuals, trusts, estates, charitable organizations, and small businesses. The firm employs a Modern Portfolio Theory-based investment approach focused on low-cost, diversified allocations using ETFs and index funds, with an emphasis on cost control and tax efficiency.

Merrit Strunk is a financial advisor at Momentum Financial and Insurance Services LLC with six years of industry experience. She holds a Series 65 designation and has worked at Momentum Financial and Insurance Services LLC since 2017, with prior experience at Foundations Investment Advisors and Asset Marketing Systems. In addition to advisory work, she is involved in insurance sales and tax mitigation strategy. Momentum Financial and Insurance Services LLC provides discretionary asset management and financial planning to individuals, high-net-worth clients, foundations, and business entities. The firm combines advisory services with licensed insurance and tax mitigation activities and offers educational seminars and workshops, managing approximately $39.6 million for about 87 clients.

Alexander Newman is a financial advisor at Grape Modern Wealth Management with 13 years of industry experience. He previously worked at Wells Fargo Advisors and J.P. Morgan Securities. Outside of his advisory role, he founded Retire Temecula, a social group for retirees, and the Temecula Polo Club, where he serves as president. Grape Modern Wealth Management provides discretionary portfolio management and financial planning services to individuals, high-net-worth clients, and business entities. The firm focuses on fundamental analysis and a long-term investment approach, managing accounts primarily in equities, fixed income, ETFs, and commodities without requiring an account minimum.

Michael Burke is a financial advisor at AMB Financial LLC in Temecula, CA, holding a Series 65 credential with one year of industry experience. He has worked at AMB Financial since 2023 and concurrently maintains a clinical practice as an orthodontist at Burke and Redford Orthodontics, where he has been diagnosing and treating patients since 2013. AMB Financial serves individual investors, some high-net-worth clients, and business entities by providing fee-only investment management and financial planning. The firm emphasizes asset allocation using a combination of passive and active strategies and operates primarily on a non-discretionary basis with a small, hands-on client roster.

Tommy Wadsworth is a financial advisor at Safe Harbor Assets in Fallbrook, CA, holding a Series 65 designation with three years of industry experience. His prior work includes roles at Jack Wadsworth Consulting and Voice by the Sea Inc. Safe Harbor Assets is an independent advisory firm serving individuals, high-net-worth clients, and business entities with discretionary and non-discretionary asset management, financial planning, and consulting. The firm employs a variety of analytical methods to tailor investment programs to client goals and risk tolerance, managing approximately $1.7 million in discretionary assets for a small client roster.

Helping you organize and simplify your finances, build steady income, and retire with clarity and confidence. Over the last decade, I’ve worked at different wealth management firms, gaining valuable experience alongside some incredibly smart, kind people. My biggest takeaway? There’s no one-size-fits-all solution when it comes to personal finances. Customized financial planning works. And that’s what makes this work so rewarding. That’s why I created JRO Wealth Management. I built this firm for people who want to cut through the jargon and complexity and get real guidance from someone in their corner. Someone who understands how all the pieces of your financial life fit together — retirement income, taxes, investments, healthcare, legacy — and helps you make decisions across the board that actually work for you. My job isn’t to sell products or try to time the market. It’s to help you weigh the tradeoffs, see the bigger picture, and make smart, informed decisions with someone you trust by your side.

Michael Cortina is the principal of Cortina Capital, LLC, an independent advisory firm in Fallbrook, CA. He holds Series 65 and Series 66 licenses and has 10 years of industry experience, including four years at UCSD before founding his firm in 2016. Cortina Capital, LLC provides discretionary portfolio management services primarily to individual and high-net-worth clients. The firm focuses on equities, fixed income, and ETFs, utilizing a combination of charting, fundamental, and technical analysis alongside options strategies such as selling cash-secured puts and writing covered calls.

James Heczko is the sole advisor at Opus Investment Advisors, LLC in Oceanside, CA, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has been with Opus since 2002. Outside of advising, he owns and operates a small avocado farm and is involved with a startup focused on developing a new consumer appliance. Opus serves institutional clients and ultra-high-net-worth family offices, specializing in pension consulting, manager evaluations, and asset allocation advice. The firm works solely on a consulting basis without managing assets or exercising investment discretion and emphasizes alternative and illiquid investments through a fee structure based on retainers and project fees.

Christopher Edwards is a financial advisor at Pax Horizon Wealth Management, LLC, holding a Series 65 credential with one year of industry experience. Prior to founding Pax Horizon, he has worked at Viasat, Inc. since 2016, where he serves as an External Manufacturing Manager responsible for people management and operational coordination within the Global Planning department. Pax Horizon Wealth Management is a fee-only registered investment adviser providing investment management and financial planning services to individual clients. The firm emphasizes asset allocation and Modern Portfolio Theory, constructing diversified portfolios with a preference for passive/index funds and offers both discretionary portfolio supervision and various financial-planning engagement options.