John Heitkemper is a CFA® charterholder with 11 years of industry experience. He is currently with Gould Asset Management LLC and previously worked at R Squared BM LLC, Tortoise Credit Strategies, LLC, and Bradford & Marzec, LLC. Gould Asset Management provides discretionary investment management for individuals, institutions, retirement plans, trusts, and similar entities, offering access to non-public real estate LLCs and private equity funds for qualified investors. The firm focuses on long-term, risk-adjusted returns through diversified investments and employs performance-based fee structures for certain illiquid real estate investments.

Virginia Havens is a financial advisor with Ministry Partners Securities, LLC in Brea, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Ministry Partners Securities since 2012 and previously worked at Merrill from 2005 to 2006. Ministry Partners Securities serves individuals, trusts, estates, churches, faith-based organizations, and retirement plan participants, offering comprehensive financial planning that integrates clients’ religious or ethical values into investment strategies. The firm refers clients to third-party asset managers while providing ongoing advice and monitoring those relationships.

William Cummins is a financial advisor with Legacy Investment Services, LLC in Rancho Cucamonga, CA, holding Series 63 and Series 65 licenses. He has one year of industry experience, including prior roles at Voya Financial and JPMorgan Chase Bank. Legacy Investment Services provides fee-based advisory services primarily focused on managing fixed, indexed, and variable annuity products for individual clients. The firm emphasizes non-discretionary portfolio assembly within annuity contracts and refers clients to third-party money managers.

Joseph Lyons Jr. is a CFP® with 19 years of industry experience, currently serving at Tricord Advisors, Inc. since 2010. Prior to that, he worked at Hargrave & Associates, LLC. Tricord Advisors provides investment advisory services primarily to individuals and families, including high-net-worth clients, trusts, estates, and charitable organizations. The firm offers discretionary portfolio management, financial planning, and administrative services such as bill-paying and annuity servicing, tailoring strategies to clients’ objectives and conducting ongoing account supervision.

Marie Godinez is a financial advisor at B.B. Graham & Company, Inc. with 26 years of industry experience. She has held her current position since 2013 and holds Series 63 and Series 66 licenses. B.B. Graham & Co. provides investment advisory and financial planning services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, estates, corporations, and small businesses. The firm employs fundamental, technical, and cyclical analysis with regular account monitoring and offers both discretionary and non-discretionary asset management, often utilizing third-party asset managers.

Christopher Carreon is a financial advisor at Falcon Wealth Planning, LLC with 10 years of industry experience. He holds a Series 66 designation and has worked at firms including Northwestern Mutual, Integrated Wealth Concepts, Lake Avenue Financial, and Compass Financial Planning. Prior to his career in finance, he spent over a decade at Lowes Home Improvement. Falcon Wealth Planning provides investment advisory and financial planning services to individuals, charitable organizations, and business entities, including a Family Office offering for clients with more than $5 million under management. The firm employs fundamental and technical analysis along with modern portfolio theory and offers discretionary account management with regular client reviews.

Bonnie Wusz is a CFP® professional with 43 years of industry experience, currently serving at BW & Associates, Inc., a firm she has been affiliated with since 1989. She previously worked at Girard Securities, Inc. from 2002 to 2017 and Cetera Wealth Services, LLC from 2017 onward. She holds Series 63 and Series 65 licenses in addition to her CFP® designation. BW & Associates, Inc. manages individual portfolios and provides financial planning and consulting to individuals, charitable organizations, and businesses. The firm employs a long-term, asset-allocation-driven approach focused on buy-and-hold strategies using mutual funds and ETFs, operating primarily on a non-discretionary basis with client approval for all trades.

Robert Duncan is a CFP® with 16 years of experience in the financial services industry. He has held roles at Simmons Capital Group, Steward Advisors Group, Global Impact Wealth Management LLC, The Baptist Foundation of California, and the International Mission Board. Steward Advisors Group is a registered investment adviser that serves individuals, trusts, estates, and charitable organizations, managing approximately $105 million in discretionary assets. The firm integrates clients’ faith-based values into its investment process and offers tailored portfolio management alongside financial planning and advisory services on tax, insurance, and estate matters.

Laurel Hackett is a financial advisor with BW & Associates, Inc. in Orange, CA, holding Series 63, 65, and 66 licenses and bringing 27 years of industry experience. Her prior work includes long tenures at Girard Securities, Inc. and Cetera Wealth Services, LLC. Hackett is also a licensed notary and serves as successor trustee for the Wusz Family Trust. BW & Associates, Inc. provides investment management, portfolio management, and financial planning services to individuals, charitable organizations, and businesses. The firm emphasizes a long-term, asset-allocation-driven approach primarily using mutual funds, ETFs, and variable annuities, operating largely on a non-discretionary basis.

Morgan Fippinger is a CFP®, CFA®, and Series 66-registered advisor at Pacific Capital with 10 years of industry experience. Prior to joining Pacific Capital, he worked at Schwab Wealth Advisory Inc. and Charles Schwab & Co., Inc. He is also the owner of Morgan's Bonsai, a retail business based in San Diego. Pacific Capital Wealth Advisors serves high-net-worth clients including families, pension plans, trusts, and charitable organizations, managing approximately $668.6 million in assets. The firm employs a disciplined investment approach with ongoing portfolio management and a branded financial planning program called the Financial Life Inspection®.

Casey Bartels is a CFP® and Series 66-registered advisor with 18 years of industry experience. He has worked at Guardian Financial Partners, LLC since 2017 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Outside of his advisory role, Bartels is involved in insurance-related activities in Orange, CA. Guardian Financial Partners provides investment advisory services to individuals, trusts, pension and profit-sharing plans, and business entities. The firm offers asset management, retirement plan consulting, and individualized portfolio management through wrap-fee accounts, employing proprietary asset-allocation models and a fiduciary, client-focused approach.

Anitha Graves is a financial advisor at Chatterton & Associates with a Series 65 designation and three years of experience at the firm. Her prior work includes positions at Runners High, JD Inc., Macy's, California State University, Long Beach, McDonald's, and Woodcreek High School. Chatterton & Associates serves individual and high-net-worth clients as well as pension and profit-sharing plans, offering asset management, financial planning, and retirement plan consulting. The firm employs a top-down investment approach using SEI asset-allocation models and provides additional tax preparation, bookkeeping, and business advisory services.

Pietro Lombardi is a CFP® and Series 66 credentialed advisor with 23 years of industry experience. He has worked at Falcon Wealth Planning, LLC since 2022 and previously spent 13 years with E*Trade Capital Management and E*Trade Securities. Falcon Wealth Planning, LLC provides investment advisory and financial planning services to individuals, charitable organizations, and business entities, including a Family Office offering for clients with assets over $5 million. The firm uses a combination of fundamental and technical analysis, modern portfolio theory, and various trading strategies while managing accounts primarily on a discretionary basis.

Henry Ford Jr. is a financial advisor at LifeSteps Financial with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LifeSteps Financial since 2010, following prior roles at Concert Wealth Management, Morgan Stanley, and Citigroup Global Markets. Outside of advisory work, he serves as a director on the board of LifeSteps Bank and Trust, contributing to business planning and credit committee activities. LifeSteps Financial is a team-based registered investment adviser managing approximately $443 million in assets for individuals, high-net-worth clients, trusts, businesses, and retirement plan participants. The firm focuses on asset allocation and diversification using ETFs, with additional services such as bill payment and a short-term cash management program tailored for high-net-worth clients.

Rahmatullah Tameez is a financial advisor with Legacy Investment Services, LLC, holding Series 63 and Series 65 licenses and 12 years of industry experience. He has been with Legacy Investment Services since 2014 and also serves as a professor at Fullerton College and California State University San Bernardino. In addition to his advisory role, he is involved in insurance services through Legacy Financial & Insurance Services. Legacy Investment Services provides advisory services primarily through fee-based management of fixed, indexed, and variable annuity products, focusing on non-discretionary portfolio assembly within annuity contracts and referrals to third-party money managers. The firm manages approximately $47.7 million in non-discretionary assets and emphasizes annuity account monitoring and third-party oversight rather than discretionary portfolio management.

Ryan Perry is a CFP® professional with 16 years of industry experience. He is currently with Falcon Wealth Planning, LLC, where he has worked since 2021. Prior to that, he was associated with Bank of America and Merrill Lynch Pierce Fenner & Smith Incorporated. Falcon Wealth Planning, LLC provides investment advisory and financial planning services to individuals, charitable organizations, and business entities, including high-net-worth clients. The firm employs a combination of fundamental and technical analysis along with modern portfolio theory and offers a Family Office service for clients with over $5 million in assets.

Thomas Carr Jr. is a CFP® professional with 29 years of industry experience, currently serving at Gould Asset Management LLC since 2002. Before joining Gould, he worked at Charles Schwab for five years. Gould Asset Management LLC is a team-based firm with nine advisors that provides discretionary investment management primarily through individually managed accounts for individuals, institutions, retirement plans, and trusts. The firm offers access to non-public real estate LLCs and private equity fund opportunities for qualified investors, emphasizing long-term, risk-adjusted returns, broad diversification, and cost management.

Lesley Hernandez is an advisor at TriCord Advisors, Inc. with a Series 65 credential and four years of industry experience. Prior to joining TriCord in 2022, she worked at Walmart from 2018 to 2022. TriCord Advisors provides investment advisory services primarily to individuals and families, as well as high-net-worth individuals, trusts, estates, retirement plans, charitable organizations, and small businesses. The firm offers discretionary portfolio management, financial planning, consulting, and administrative services, tailoring strategies to clients’ objectives and conducting ongoing account supervision.

M'lissa Brillhart is a Series 65-licensed advisor at LifeSteps Financial in Claremont, CA, with six years of industry experience. Her background includes roles at multiple real estate firms, including Champions Real Estate and Realty One Group West. LifeSteps Financial is a team-based registered investment adviser managing approximately $443 million in client assets, serving individuals, high-net-worth clients, trusts, businesses, and retirement plans. The firm emphasizes asset allocation and diversification using ETFs and tactical adjustments, and offers services such as bill payment and short-term cash management tailored for high-net-worth clients.

Joshua Coniglio is a Certified Financial Planner (CFP®) and holds a Series 66 license, with 11 years of industry experience. He has worked at Pacific Capital since 2019 and previously with Coniglio Wealth Management, Sterling Wealth Partners, and USA Financial Securities. Coniglio serves as volunteer board treasurer for the Morgan Square Homeowners Association in Chino, CA. Pacific Capital Wealth Advisors provides discretionary investment management and financial planning primarily to high-net-worth clients, including families, trusts, and charitable organizations. The firm employs a disciplined asset management process incorporating portfolio analysis, continuous monitoring, and periodic rebalancing, and offers a branded financial planning program called the Financial Life Inspection®.