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Lucian L

Series 65

Palm Springs, CA

Luke Capital

Lucian Lobelkarimi is a financial advisor at Luke Capital with 10 years of industry experience. He holds a Series 65 designation and has worked at Primerica Advisors and Magis Capital Management LLC prior to founding Luke Capital. He also has involvement with College of the Desert since 2015. Outside of advising, he has engaged in part-time referral activities related to home security and automation products through affiliates of Primerica. Luke Capital provides investment advisory services to individual investors, focusing on discretionary portfolio management, financial planning, and retirement planning. The firm utilizes a value-oriented equity approach combined with selective options strategies, and it maintains a policy that excludes cryptocurrency trading.

Active portfolio management Options & derivatives strategies Concentrated stock management Retirement income strategy Life insurance needs analysis
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Anthony M

Series 63, Series 65

Palm Springs, CA

Anthony J. Mancini, I.A.

Anthony Mancini is the sole advisor at Anthony J. Mancini, I.A., an independent firm based in Palm Springs, CA. He holds Series 63 and Series 65 licenses and has 15 years of industry experience, with a long tenure at Stuart Securities Corp since 2004. Anthony J. Mancini, I.A. provides discretionary investment supervisory services primarily to individual clients, along with pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm employs a combination of charting, fundamental, technical, and cyclical analysis and conducts monthly portfolio reviews.

Active portfolio management
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David R

CFP®, Series 63, Series 66

Palm Springs, CA

DRM Wealth Management

David Rae is a CFP® professional with 23 years of industry experience. He is the sole advisor at DRM Wealth Management, an independent firm based in Palm Springs, CA, where he has worked since 2017. His prior experience includes roles at Trilogy Capital Inc and National Planning Corporation. DRM Wealth Management serves individual, charitable, and business clients, managing approximately $109.5 million in discretionary assets. The firm emphasizes passive investment management through diversified, asset-class weighted portfolios using index funds and ETFs, supplemented by fundamental and technical research methods. Financial planning services include scenario modeling and ongoing monitoring under various fee arrangements.

Business sale tax planning Cash flow / budgeting College savings (529s, UTMA, etc.) General estate planning guidance
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Robert M

CFP®, Series 66

Palm Springs, CA

Compass Rose Financial Planning & Investment Management

Robert Machado is a CFP® professional with 12 years of industry experience. He has been with Compass Rose Financial Planning, Inc. since 2007. Compass Rose Financial Planning & Investment Management is a fee-only advisory firm serving individuals and families with bundled financial planning, asset allocation, and portfolio monitoring. The firm employs a goals-based planning process aligned with CFP standards and uses non-discretionary investment management focused on low-cost mutual funds and ETFs.

General retirement planning College savings (529s, UTMA, etc.)
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James E

Series 63, Series 65

Palm Desert, CA

Hardworking Capital Advisors, LLC

James Eckley is an investment advisor representative at Hardworking Capital Advisors, LLC with 33 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Cetera Advisor Networks, Girard Securities, KIPP Financial Group, and NPB Financial Group. In addition to his advisory work, Eckley is involved in life insurance sales and sells life settlements through a separate business. Hardworking Capital Advisors serves high-net-worth individuals, charitable organizations, and businesses by providing discretionary investment management, financial planning, and pension consulting. The firm employs a suitability-driven process using model portfolios and third-party managers, and it may incorporate derivatives and options strategies in client accounts.

Wealth management Charitable giving & philanthropy Founder/Business Owner Retired
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Mary B

CFP®, Series 65

Palm Springs, CA

Stone Steps Financial, LLC

Mary Brennan is a CFP® with nine years of industry experience, currently serving as an advisor at Stone Steps Financial, LLC since 2019. Prior to that, she worked at Dowling & Yanke, LLC from 2015 to 2019. Outside of her advisory role, she operates a bookkeeping business as a sole proprietor. Stone Steps Financial is a fee-only advisory firm serving primarily individuals and high-net-worth clients, offering comprehensive financial planning and investment management. The firm employs a passive, asset-class-based approach using index mutual funds and ETFs to create tax-efficient, low-turnover portfolios tailored to client goals and risk tolerance.

Retirement income strategy Income planning Social Security optimization College savings (529s, UTMA, etc.) Executive Founder/Business Owner
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William R

Palm Springs, CA

Rutherford Investment Management

William Rutherford is a financial advisor with Rutherford Investment Management in Palm Springs, CA, holding 24 years of industry experience. He has worked at multiple firms bearing the Rutherford name since 2000, including W D Rutherford LLC and Sentinel Rock Wealth Management LLC. Rutherford Investment Management is an SEC-registered, fee-only advisory firm serving individual and institutional clients, including retirement plan investors. The firm provides discretionary portfolio management using a mix of fundamental and technical analysis and manages a Multi-Cap Growth Fund focused on U.S. equities. It also acts as Investment Manager for a collective investment trust maintained by Alta Trust, serving qualified employer-sponsored defined contribution plans.

Wealth management Passive / index investing Active portfolio management
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Mathew M

CFP®, Series 63, Series 66

Palm Desert, CA

Hardworking Capital Advisors, LLC

Mathew Mellier is a financial advisor with Hardworking Capital Advisors, LLC in Palm Desert, CA, holding the CFP® designation and Series 63 and 66 licenses. He has 25 years of industry experience, including roles at Emerson Equity LLC and Cetera Advisor Networks LLC. Mellier is also involved in life insurance and index annuity sales as part of his broader financial planning services. Hardworking Capital Advisors provides investment advisory and financial planning services to individuals, charitable organizations, and businesses. The firm employs a portfolio management approach using both proprietary and third-party models, serving a relatively small client base with multi-tiered service offerings that include discretionary portfolio management and project-based consulting.

Wealth management Charitable giving & philanthropy Founder/Business Owner Retired
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Joel K

Series 63

Rancho Mirage, CA

The Kocen Financial Group, Inc.

Joel Kocen is a financial advisor at The Kocen Financial Group, Inc., holding a Series 63 designation with 42 years of industry experience. He has worked at The Kocen Financial Group since 1991 and was previously with Financial Goal Securities, Inc. for 38 years. The Kocen Financial Group is a team investment adviser managing approximately $186 million on a discretionary basis. The firm serves individuals, trusts, estates, retirement plans, and business entities, offering investment management primarily through mutual funds, ETFs, and third-party money managers, alongside financial planning, business consulting, seminars, and sub-advisory services.

Private / alternative investments Real estate investing Active portfolio management
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John W

Series 65

Rancho Mirage, CA

The Kocen Financial Group, Inc.

John Wills is a financial advisor at The Kocen Financial Group, Inc. in Rancho Mirage, CA, holding a Series 65 designation with seven years of industry experience. He has been with The Kocen Financial Group since 2007. The Kocen Financial Group, Inc. provides discretionary investment management and related services to individuals, pension and profit-sharing plans, trusts, estates, and business entities. The firm employs an asset-allocation approach that considers clients’ risk tolerance, time horizon, tax efficiency, and cash flow needs, and offers portfolio management primarily through mutual funds, ETFs, and third-party money managers.

Private / alternative investments Real estate investing Active portfolio management
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Brandon R

Series 65

Desert Hot Springs, CA

FLC Capital Advisors

Brandon Ross is a financial advisor at FLC Capital Advisors with one year of industry experience. He holds a Series 65 designation and previously worked at Bellatore Financial for nine years. FLC Capital Advisors serves individual and high-net-worth investors, trusts, retirement plans, and business entities by providing discretionary and non-discretionary asset management, financial planning, and investment consulting. The firm manages approximately $710 million in client assets and emphasizes fiduciary duties, client-specific asset allocation, and risk tolerance through a combination of strategic and tactical investment approaches.

General tax planning Retirement plans for business owners (SEP, solo 401k)
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Penny H

Series 65

Rancho Mirage, CA

The Kocen Financial Group, Inc.

Penny Houseman is a financial advisor with The Kocen Financial Group, Inc. She holds a Series 65 designation and has six years of industry experience. Houseman has been with The Kocen Financial Group since 2019 and previously worked at Jeffree Lee Financial Services for ten years. The Kocen Financial Group, Inc. provides discretionary investment management and related services to individuals, pension and profit-sharing plans, trusts, estates, and business entities. The firm employs an asset-allocation framework considering clients’ risk tolerance, time horizon, tax efficiency, and cash flow needs, and offers additional services including financial planning, business consulting, and seminars.

Private / alternative investments Real estate investing Active portfolio management
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David T

Series 66

Rancho Mirage, CA

The Kocen Financial Group, Inc.

David Tsikman is a financial advisor with The Kocen Financial Group, Inc., holding a Series 66 designation and five years of industry experience. His work history includes roles at Kocen Financial Group, Financial Goal Securities, Inc., Glean Management LP, Orthodox Union, Miracle Mile CPA, and West Coast Talmudical Seminary. Outside of securities advisory, he manages a property management and real estate business under Tsikman Holdings. The Kocen Financial Group is a team investment adviser managing approximately $186 million on a discretionary basis for individuals, trusts, estates, retirement plans, and business entities. The firm focuses on asset allocation and comprehensive financial planning, combining traditional wealth management with institutional sub-advisory work and business consulting.

Private / alternative investments Real estate investing Active portfolio management
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Norman M

CFP®, Series 65

Palm Springs, CA

Illumination Wealth Management

Norman Mangina is a CFP® and Series 65-licensed advisor with 11 years of industry experience. He has been with Illumination Wealth Management since 2015, where he is part of an 11-advisor team based in Palm Springs, CA. Illumination Wealth Management is a fee-only registered investment adviser serving individuals, high-net-worth clients, trusts, corporations, and retirement plans. The firm provides comprehensive financial life management, pension consulting, and business-owner exit planning services, employing a values-linked, long-term investment approach across multiple offices and integrated family office offerings.

Income planning Retirement income strategy Debt management College savings (529s, UTMA, etc.) Business exit / sale strategy Founder/Business Owner Retired Values-based investing
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Bryan K

Series 63, Series 65

Rancho Mirage, CA

The Kocen Financial Group, Inc.

Bryan Kocen is a financial advisor at The Kocen Financial Group, Inc. in Rancho Mirage, CA, with 35 years of industry experience. He has held Series 63 and Series 65 licenses and has worked at Kocen Financial Group since 1991, as well as Financial Goal Securities, Inc. from 1990 to 2024. The Kocen Financial Group, Inc. provides discretionary investment management and related services to individuals, pension and profit-sharing plans, trusts, estates, and business entities. The firm employs an asset-allocation framework tailored to clients’ risk tolerance, time horizon, tax efficiency, and cash flow needs, and offers financial planning, business consulting, seminars, and sub-advisory investment management.

Private / alternative investments Real estate investing Active portfolio management
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Jennifer M

Series 63, Series 66

Palm Springs, CA

TCP Asset Management, LLC

Jennifer Miranda is a financial advisor at TCP Asset Management, LLC with 17 years of industry experience. She holds Series 63 and Series 66 designations. Her work history includes roles at United Planners' Financial Services and RV Mulford Investment Corp. TCP Asset Management serves individuals, high-net-worth clients, and pension and profit-sharing plans with portfolio management, financial planning, and estate-planning referrals via a digital platform. The firm manages accounts on a discretionary basis using multiple sub-advisers and model providers, and maintains an 11-office footprint with over $1 billion in client assets.

Retirement plans for business owners (SEP, solo 401k) Founder/Business Owner
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John L

CFP®, Series 63

Palm Springs, CA

Pacific Point Wealth Management

John Lacey is a CFP® and Series 63 credentialed advisor with 40 years of industry experience. He is currently with Pacific Point Wealth Management, a five-advisor team based in Palm Springs, CA. His prior positions include roles at Edward Jones, John Hancock, SagePoint Financial, and OSAIC. Outside of advisory work, he is a rental property owner. Pacific Point Wealth Management provides discretionary asset management and comprehensive portfolio management services for individuals, trusts, estates, and business clients. The firm manages portfolios using a combination of fundamental and technical analysis alongside long-term, short-term, and trading strategies tailored to client objectives.

Options & derivatives strategies Private / alternative investments Active portfolio management Concentrated stock management
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David W

Series 63, Series 65

Palm Springs, CA

KCD Financial, Inc.

David Wilson is a financial advisor with KCD Financial, Inc., holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has worked at KCD Financial since 2012 and previously at Mutual Trust Asset Management and Mutual Trust Company of America Securities. Outside of his advisory role, he performs as a bass guitarist, vocalist, and musician in a local cover band. KCD Financial, Inc. is a multi-team registered investment adviser and broker-dealer with 38 advisors managing approximately $202 million in regulatory assets. The firm serves individuals, corporate pension and profit-sharing plans, and charitable organizations, offering asset management, financial planning, and portfolio appraisal services while utilizing third-party management programs.

Annuities Retirement plans for business owners (SEP, solo 401k)
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Nila T

ChFC®, Series 63, Series 65

Palm Desert, CA

The Wealth Consulting Group

Nila Tatum is a financial advisor with The Wealth Consulting Group, holding the ChFC® designation and Series 63 and 65 licenses. She has 31 years of industry experience, including roles at National Planning Corporation and LPL Financial. Tatum is based in Palm Desert, CA. The Wealth Consulting Group provides fee-based wealth management, portfolio management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, corporate and plan sponsors, charities, trusts, and estates. The firm employs a tailored investment process combining multiple analytical approaches and offers fiduciary services and integration with legal-service pathways.

ESG / Sustainable investing Tax-loss harvesting College savings (529s, UTMA, etc.) Retirement plans for business owners (SEP, solo 401k) Wealth management Founder/Business Owner Executive SRI/ESG (Socially Responsible Investing/Environmental, Social and Corporate Governance)
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Gloria F

CFP®, Series 63, Series 65

Palm Desert, CA

The Wealth Consulting Group

Gloria Franz is a CFP® professional with over 33 years of experience in the financial services industry. She is currently an advisor at The Wealth Consulting Group and has previously worked with National Planning Corporation. Outside of advising, she serves on the governing board of JFK Hospital and is a planning commissioner for the City of Indio. The Wealth Consulting Group offers wealth management, portfolio management, and financial planning services to a diverse client base, including individuals, corporations, charities, and trusts. The firm employs a tailored investment process combining multiple analytical approaches and integrates legal-service pathways through attorney affiliations and referrals.

ESG / Sustainable investing Tax-loss harvesting College savings (529s, UTMA, etc.) Retirement plans for business owners (SEP, solo 401k) Wealth management Founder/Business Owner Executive SRI/ESG (Socially Responsible Investing/Environmental, Social and Corporate Governance)
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