Patrick Mcilrath is a financial advisor with Alliance Advisory & Securities, LLC, holding a Series 63 designation and over 32 years of industry experience. He has been with Alliance Advisory & Securities and Aerie Financial Group since 2005. In addition to his advisory role, he is the owner and president of Aerie Financial Group, which focuses on insurance sales including life, health, disability, and fixed annuity products. Alliance Advisory & Securities, LLC provides investment management and financial planning services to individual clients, trusts, pension plans, charitable organizations, and other pooled vehicles. The firm employs diversified model allocations based on modern portfolio theory, offering both discretionary and non-discretionary portfolio services with regular reviews and rebalancing.

Selwyn Herson is a financial advisor at Cruden Bay Investment Management, LLC with 11 years of industry experience. He holds the Series 66 designation and has worked at Cruden Bay since 2016, following six years at LPL Financial. He also has a long-term association with WPG dating back to 1986. Cruden Bay Investment Management serves individuals, high-net-worth clients, foundations, corporations, and other business entities by offering discretionary and non-discretionary portfolio management alongside financial planning and consulting services. The firm employs a philosophy focused on risk-adjusted performance, combining fundamental and technical analysis with both long- and short-term strategies, and sponsors a wrap-fee program integrating management and administrative costs.

Originally born and raised in New Delhi, India, I came to the USA when I was 17 to attend college at the University of Illinois at Urbana-Champaign. A little over a decade later, I have worked as a technology consultant, lived in 7 cities, married my lovely wife Sharanya, and picked up a liking (plus a license!) for Scuba diving. We have been calling the LA area home for just about 2 years, although we do spend a considerable time traveling! I want to make financial planning more accessible to Indian immigrants in tech in their 30s and 40s who are too busy to implement while eschewing the suit and tie! Why I Started CapitalWe In 2014, I graduated college without a job offer lined up, so I moved to the Bay Area in search of a job. Desperate after a couple months of non-stop job searching, I took the first offer I got, which paid a low salary (by Bay Area standards). I found it challenging to cover bills and rent even while being paid a “coveted” bay area tech salary. In order to make ends meet, I quickly became obsessed with optimizing each dollar and eventually with the FIRE movement (Financial Independence / Retire Early). After speaking with friends, family and colleagues who were all struggling with similar challenges, I realized this is a universal problem. Having learnt about investing, I wanted to find a good advisor who would be able to round out my spreadsheets and was willing to work with young professionals, but found the advisors either had high minimums or were trying to sign me up for sub-par financial products to earn their commissions. I started CapitalWe to relieve financial stress for all young professionals as they transition between various stages of life: school, marriage, home-buying and all other firsts!

Anna Bogorodchenko is a financial advisor at Hillcrest Financial Group in Thousand Oaks, CA, holding a Series 65 designation with one year of industry experience. She previously worked at CIBC Wood Gundy and RBC Dominion Securities. Hillcrest Financial Group provides financial planning, discretionary investment management, and retirement plan consulting to individuals, trusts, estates, corporations, and employee benefit plans. The firm constructs diversified portfolios using Modern Portfolio Theory and tailors allocations based on clients’ risk tolerance, liquidity needs, and time horizon.

Daniel Mock is a CFP® with 12 years of industry experience and serves as an advisor at FMB Wealth Management. He previously worked at Indivisible Partners LLC and has been with FMB Wealth Management and its related entity, FMB Retirement Services, since 2014. Outside of his advisory role, Mr. Mock volunteers as President of the Conejo Valley Estate Planning Council, participating in board meetings and educational events. FMB Wealth Management is a team-based SEC-registered RIA managing approximately $615.7 million in discretionary assets for individuals, high-net-worth clients, trusts, business owners, charitable organizations, and corporate clients. The firm uses a long-term, diversified asset-allocation strategy with passively managed index funds and ETFs, emphasizing integrated wealth management services rather than standalone financial planning.

Sandra Bublitz is a CFP® with 43 years of industry experience, currently serving at Alliance Advisory & Securities, LLC since 1991. She also has a long tenure with IDS Life Insurance Company beginning in 1982. Alliance Advisory & Securities, LLC provides investment management and financial planning primarily to individual clients, including high-net-worth individuals, as well as trusts, pension plans, and charitable organizations. The firm employs diversified model allocations and modern portfolio theory with regular portfolio reviews and rebalancing.

Debra Fields is a CFP® professional with 12 years of industry experience, currently serving at FMB Wealth Management. She has been with FMB Wealth Management since 2001 and also works with FMB Retirement Services and Indivisible Partners LLC. FMB Wealth Management is an SEC-registered, team-based RIA providing wealth management and portfolio management services to individuals, high-net-worth clients, trusts, business owners, charitable organizations, and corporate clients. The firm employs a long-term, diversified asset-allocation strategy focused on low turnover and tax-aware indexing, integrating investment consulting with advanced planning and retirement plan review.

Ivan Tokarev is a financial advisor with Total Wealth Services, LLC in Westlake Village, CA, holding a Series 65 designation and over seven years of industry experience. His career includes roles at Wells Fargo and Chase prior to joining Total Wealth Services. Total Wealth Services, LLC advises individuals, trusts, estates, and charitable organizations on financial planning, consulting, and wealth management, employing a manager- and style-agnostic approach that incorporates equities, bonds, ETFs, alternative investments, and independent managers to tailor portfolios to client objectives.

Jamie Mutinsky is a CFP®-certified financial advisor with Emissary Wealth, where he has worked since 2020. He has five years of industry experience and has also held roles at AssetMark, KeyBank, and Siena College. Emissary Wealth provides financial planning, consulting, and investment management services to individuals, high-net-worth clients, trusts, estates, business entities, pension and profit-sharing plans, and pooled investment vehicles. The firm emphasizes a long-term, goal-based investment approach supported by fundamental analysis and offers comprehensive planning services including estate, insurance, tax, and cash-flow planning.

Steven Scott is a Series 66-licensed financial advisor with 13 years of industry experience, currently serving at Manchester Financial Inc since 2014. He is also an independent licensed insurance agent specializing in life, health, and accident insurance. Manchester Financial provides portfolio management, comprehensive financial planning, and consulting services to individuals, pension plans, corporations, trusts, estates, and charitable organizations. The firm uses individualized client profiles and multiple asset-allocation models to manage diverse investment portfolios, employing both long- and short-term strategies as appropriate.

Andrew Price is a financial advisor with Hillcrest Financial Group in Thousand Oaks, CA, holding Series 63 and Series 66 licenses and nine years of industry experience. Prior to joining Hillcrest in 2022, he worked at Purshe Kaplan Sterling Investments, Thrivent Advisor Network, and Thrivent Financial in various capacities. He serves as a board member of the Habitat for Humanity Young Professionals Group, participating in event coordination and community marketing efforts. Hillcrest Financial Group provides financial planning, consulting, discretionary investment management, and retirement plan consulting to individuals, trusts, estates, corporations, and employee benefit plans. The firm manages over $567 million in discretionary assets, constructs diversified portfolios using Modern Portfolio Theory, and customizes allocations based on clients’ risk tolerance, liquidity needs, and time horizon.

Shannon Horton is a financial advisor with Financial Coaching Partners LLC in Somis, CA, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has been with Financial Coaching Partners since 2011. Outside of advising, he refers clients to attorneys for trust document preparation and assists in gathering information for those services. Financial Coaching Partners primarily serves individual clients with financial planning, bookkeeping, and ongoing financial management while referring investment implementation to third-party registered investment advisers. The firm operates on a fee-only basis, follows a Modern Portfolio Theory investment approach, and combines planning with hands-on financial management services without directly managing client investment accounts.

Daniel Novak is a CFP® professional with 11 years of experience in financial services. He is currently a wealth manager and executive at Williams & Novak Wealth Management, LLC in Westlake Village, CA. His previous roles include positions at Alexander Capital, Integrity Brokerage, Western International Securities, and Charles Schwab. Novak is also involved in non-investment business activities including managing an estate document referral service and ownership roles in affiliated tax preparation and insurance firms. Williams & Novak Wealth Management is a team-based registered investment adviser serving individuals, including high-net-worth clients, corporations, pension and profit-sharing plans, and charitable organizations. The firm manages approximately $343 million for about 275 clients, combining proprietary model portfolios with sub-advisor solutions and direct-indexing strategies to provide customized portfolio management and financial planning services.

Jonathan Herson is a financial advisor at Cruden Bay Investment Management, LLC with 19 years of industry experience. He has worked at Cruden Bay since 2016 and previously at LPL Financial from 2010 to 2016. Outside of his advisory role, he is an investor and advisor at Investo, an investment firm based in São Paulo, Brazil. Cruden Bay Investment Management serves individuals, high-net-worth clients, foundations, corporations, and other business entities, offering discretionary and non-discretionary portfolio management along with financial planning and consulting services. The firm employs a risk-adjusted investment approach that combines fundamental and technical analysis and maintains ongoing account monitoring with at least quarterly reviews.

Liza Dela Cruz is a financial advisor at Alliance Advisory & Securities, LLC with one year of industry experience. She holds the Series 63, Series 66, and Series 65 designations. Prior to joining Alliance Advisory & Securities, she worked at Steelpeak Wealth and spent seven years at Doubleline Capital. Alliance Advisory & Securities, LLC provides investment management and financial planning services primarily to individual clients, including high-net-worth individuals, as well as trusts, pension plans, and charitable organizations. The firm utilizes diversified model allocations and modern portfolio theory, offering both discretionary and non-discretionary portfolio management along with standalone financial plans and specialized account management through the Pontera platform.

Mark Weiderman is a financial advisor at Manchester Financial Inc with 15 years of industry experience. He holds Series 63 and Series 65 designations and has been with Manchester Financial since 2015. Manchester Financial provides portfolio management, comprehensive financial planning, and consulting services to individuals, including high-net-worth clients, as well as pension plans, corporations, trusts, estates, and charitable organizations. The firm uses individualized client profiles and various asset-allocation models to manage portfolios across a range of investments, employing both long- and short-term strategies where appropriate.

Steven Rezzelle is a financial advisor at Manchester Financial Inc with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Fidelity Investments, Securities America, Inc., and Hefren Tillotson, Inc. In addition to his advisory role, he is an independent licensed insurance agent specializing in life, health, and accident insurance. Manchester Financial provides portfolio management, financial planning, and consulting services to individuals, high-net-worth clients, retirement plans, corporations, and trusts. The firm uses individualized asset-allocation strategies, typically managing accounts on a discretionary basis with a combination of long-term diversification and occasional short-term trading.

Andrew Lowenstein is a financial advisor at Cruden Bay Investment Management, LLC with 19 years of industry experience. He has been with Cruden Bay since 2016 and previously worked at LPL Financial from 2012 to 2016. His credentials include Series 63 and Series 65 registrations. Outside of advisory work, he has involvement with DRL Insurance Services, LLC. Cruden Bay Investment Management serves individuals, high-net-worth clients, foundations, corporations, and other business entities, offering discretionary and non-discretionary portfolio management along with financial planning and consulting services. The firm employs a risk-adjusted investment approach combining fundamental and technical analysis with both long- and short-term strategies, and it operates a wrap-fee program that integrates money management and administrative costs.

Sean Sottile is a financial advisor at Alliance Advisory & Securities, LLC with one year of industry experience. He holds a Series 65 credential and previously worked for Santa Clarita Foursquare Church under the name Crosspoint for eleven years. Alliance Advisory & Securities, LLC provides investment management and financial planning services primarily to individual clients, including high-net-worth individuals, as well as trusts, pension plans, and charitable organizations. The firm utilizes diversified model allocations and modern portfolio theory, offering discretionary and non-discretionary portfolio management alongside financial planning and held-away account services.

Robert Katch is a financial advisor at Manchester Financial Inc with 35 years of industry experience. He has been with Manchester Financial since 1990. Manchester Financial provides portfolio management, comprehensive financial planning, and limited consulting to individuals—including high-net-worth clients—as well as pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations. The firm uses individualized client profiles and various asset-allocation models, employing discretionary authority for day-to-day management across multiple asset classes while continuously monitoring accounts.