Richard Ligotti is a financial advisor with Laguna Niguel Summit Wealth Management, LLC, holding Series 63 and Series 66 licenses and possessing 27 years of industry experience. He has been with the firm since 2016. In addition to his advisory role, Ligotti is a licensed independent insurance agent offering life, long-term care, and indexed annuities. Laguna Niguel Summit Wealth Management provides financial, retirement, and insurance guidance primarily to mass-affluent and some high-net-worth individuals, families, small businesses, and pension and nonprofit plans. The firm offers planning services and insurance recommendations, referring clients to third-party investment managers and strategically utilizing turnkey asset management programs.

Old-school wealth management firms largely fall short of addressing the needs of small business owners. They typically require a minimum amount of investible assets, offer generic planning advice, and schedule infrequent reviews. I launched Two Palms Financial to provide an experience to business owners based on greater customization, deeper planning work, year-round reviews and a flexible fee structure. Time and attention are finite resources. Business owners know this all too well. I help business owners focus their time and energy on what they are passionate about and excel at. With year-round cash flow & tax planning, saving & investing, retirement planning, debt management, insurance reviews, trust & estate planning, I help business owners develop a plan to grow their business with intention, create long-term wealth, minimize taxes over their lifetime, and protect their assets from unforeseen threats. I also believe Life Planning is an integral part of the planning process. Through my training with the Kinder Institute of Life Planning, I use the EVOKE (Exploration, Vision, Obstacles, Knowledge & Execution) experience to help my clients build a financial plan around their unique vision of a fulfilled life.

John Gaines is a financial advisor with LPL Financial in Laguna Niguel, CA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 56 years of industry experience and has been with LPL Financial since 2001. Gaines also operates an independent investment advisory firm, providing financial planning and consulting services. LPL Financial serves a diverse client base including individual investors, retirement plans, institutions, charities, and high-net-worth households. The firm offers a variety of advisory and brokerage services supported by an in-house research team and a broad platform that combines advisory operations with non-advisory product offerings.

Sujit Naran is a financial advisor at SCN Capital with nine years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Northwestern Mutual Wealth Management Company and Broadridge LTX, among other firms. Sujit has also been involved with SoCal Builders and Design. SCN Capital is a state-registered investment adviser providing discretionary portfolio management and comprehensive financial planning to individuals, high net worth clients, corporations, and 401(k) plans. The firm bases portfolio construction on Modern Portfolio Theory, using low-cost ETFs, tax-efficient strategies, and fundamental analysis, and offers educational seminars on financial literacy free of charge.

Alex Sander Martins Alexandre is the sole advisor at AAlexander LLC, holding Series 63 and Series 65 licenses with several years of experience in banking and consulting roles prior to founding his firm. His previous positions include roles at Fibra Bank, Sofisa Bank, and BI&P Bank, as well as self-employment and consulting activities. AAlexander LLC is a fee-only, state-registered investment adviser serving individuals, including high-net-worth and international clients, as well as small businesses. The firm offers nondiscretionary portfolio management, financial planning, and investment strategy consultation, combining fundamental and technical analysis with a focus on long-term positions alongside shorter-term trades.

Michael Ershaghi is a financial advisor at MPE Capital in Laguna Niguel, CA, holding a Series 65 designation with eight years of industry experience. He has been with MPE Capital since 2017 following a year as a self-employed advisor. MPE Capital manages approximately $842,000 in separately managed equity accounts for a select group of individual clients focused on long-term growth and capital appreciation. The firm employs a long-only, equity-exclusive investment approach with a concentrated portfolio strategy centered on businesses trading below intrinsic value, and utilizes performance-based fees for qualified clients.

Michael Cortina is the sole advisor at Cortina Capital, LLC, where he holds Series 65 and 66 licenses and has 11 years of industry experience. He previously worked at UCSD from 2012 to 2016 before founding Cortina Capital in 2016. Located in Fallbrook, CA, he focuses on portfolio management and investment strategies. Cortina Capital, LLC provides discretionary portfolio management to individual and high-net-worth clients, creating written Investment Policy Statements that outline goals, time horizons, and risk tolerance. The firm employs an investment approach combining charting, fundamental, and technical analysis, with concentrated positions in mid- and large-cap technology stocks, using a range of long and short strategies as well as options trading tailored to account type and risk tolerance.

J Rogers III is a financial advisor with Alpha Strategies Investment Consulting, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked with Five 9 Securities, LLC, and has been with Alpha Strategies since 2009. Outside of his advisory role, he is involved in hospitality services through WM Development and serves as a managing partner in legal funding at Waterfall Funding Group. Alpha Strategies Investment Consulting provides investment consulting, manager selection, and due diligence services to ultra-high net worth families, single family offices, Tribal Nations, and institutional investors. The firm employs a post-modern portfolio approach that combines traditional and alternative assets, with an emphasis on manager selection and tailored client solutions.

David Simpson is the principal of Simpson Capital Management in Laguna Niguel, CA, where he has worked since 1999. He holds the CFA designation and has 24 years of industry experience. Simpson Capital Management is an independent, fee-only investment advisory firm serving individuals, families, and institutions. The firm manages approximately $20 million across about 70 clients, employing a disciplined investment approach based on economic and fundamental analysis, using exchange-listed securities and diversified asset allocation strategies tailored to client objectives.

John Klein is the sole advisor at Klein Financial Advisors, an independent firm based in Rancho Mission Viejo, CA. He holds a Series 63 designation and has 25 years of industry experience, having led his firm since 2000. Klein is also licensed as an insurance agent. Klein Financial Advisors serves individual clients as well as pension plans, businesses, trusts, estates, banks, and charitable organizations. The firm offers financial planning, portfolio management, and implements investment and insurance recommendations with a focus on fundamental security analysis and a generally long-term investment approach.

James Heczko is the principal advisor at Opus Investment Advisors, LLC, holding Series 63 and Series 65 credentials with 18 years of industry experience. He has worked at Opus since 2002. Outside of his advisory role, he owns and manages a small avocado farm and is involved in developing a consumer appliance startup. Opus serves institutional clients and family offices, focusing on pension trusts, corporations, and ultra-high-net-worth family offices. The firm provides consulting services including performance reviews, manager evaluations, and pension consulting, operating solely on a fee-for-service basis without managing client assets or exercising investment discretion.

Michael Vandenburg is a CFP®-certified financial advisor with 24 years of industry experience. He has been with Coast Wealth Management, Inc. since 2003, where he is the sole advisor. The firm provides personalized, fee-only financial planning and investment management services to individuals, trusts, estates, charitable organizations, and small businesses. Coast Wealth Management employs a strategic asset allocation approach combining passive index and ETF core holdings with selective active funds, and it is notable for managing a high proportion of assets on a non-discretionary basis.

Joseph Sebo is the principal and sole advisor at Joseph M. Sebo, CFP Inc. He holds the CFP® designation along with Series 63 and Series 65 licenses and has 51 years of industry experience. Prior to founding his firm in 2022, he worked at Chronos Corporation and Rutman Corporation, dba Chronos. Outside of his advisory role, he is CFO, Secretary, and a Director of Global Payout, a publicly traded company specializing in debit card services. Joseph M. Sebo, CFP Inc. provides portfolio management and investment advisory services to individuals, high-net-worth clients, corporations, and business entities. The firm employs a blend of fundamental and technical analysis with active risk-management techniques and offers both long- and short-term trading and option strategies.

Park Randazzo is a CFP®-certified financial advisor with 16 years of industry experience. He is the principal of Randazzo Capital Management, LLC, an independent advisory firm he founded in 2018. Prior to establishing his firm, Randazzo worked at SELECT Money Management, Inc., Select Portfolio Management, Inc., and Securities Equity Group from 2012 to 2018. He is also a licensed independent insurance agent in California. Randazzo Capital Management provides discretionary investment management and financial consulting to individuals and small businesses, managing approximately $23 million in client assets. The firm employs a core-and-satellite investment approach combining passive index funds and ETFs with selective active managers and offers formal periodic communications including quarterly comprehensive portfolio reviews and market updates.

Richard Jensen Jr. is a financial advisor at Baker Jensen Investment Advisors, LLC with 31 years of industry experience. He has been with the firm since 1995 and holds the Series 63 designation. In addition to his advisory role, Mr. Jensen is an insurance agent, dedicating a small portion of his time to insurance sales. Baker Jensen Investment Advisors, LLC is an independent, single-advisor firm that provides discretionary portfolio management and access to third-party asset managers. The firm primarily serves individual investors but also accepts pension and profit-sharing plans as well as corporate clients, utilizing a Risk Optimize Portfolio Management program based on Modern Portfolio Theory.

Austin is Founder and Owner of Lee Financial Group LLC, an independent, Fee-Only™ advisory firm. He graduated with a bachelors in Mathematics and Economics from the University of California, Irvine. He graduated with a Master’s in Business Administration from the University of Southern California and a is Certified Financial Planner™ professional. Prior to LFG, Austin served as a financial planner for The Ayco Company, the Personal Financial Management branch of Goldman Sachs. Many of his clients were executives for Fortune 500 company and involved complex planning strategies around investment, tax, and estate planning. Most recently, he served as an Investment Advisor for Transamerica Financial Advisor, working with families of diverse financial backgrounds to determine the best solution for each household. Austin’s experience also extends to being a Corporate Finance business partner for various medical device companies. Throughout his tenure, he has had the opportunity to connect with various colleagues and health care providers, specifically, physicians and dentists. It was in those conversations that he discovered the unique financial planning challenges each group encountered and how he is able to leverage his experience in both Corporate Finance and Financial Planning to assist.

Arthur Wiederman is the sole advisor at Wiederman & Associates with 18 years of industry experience. He has been associated with Wiederman & Associates since 1984. In addition to his advisory work, he is the managing partner of Wiederman Madurowicz Partnership, a dental practice brokerage business in California, where he is involved in listing, marketing, and selling dental practices. Wiederman & Associates is a state-registered adviser providing comprehensive financial planning services to individuals and high-net-worth clients. The firm does not manage assets directly but refers clients requiring investment management to an unaffiliated adviser based on factors such as account size and risk tolerance.

Scott Doll is a financial advisor with Doll Capital Advisors Incorporated in San Juan Capistrano, CA, holding a Series 63 designation and 42 years of industry experience. He has worked at Doll Capital Advisors since 1998 and was previously with LPL Financial for 30 years. Doll Capital Advisors serves individuals, high-net-worth clients, and charities by providing comprehensive financial planning, single-issue consulting, discretionary portfolio management, and advice on retirement accounts. The firm constructs customized portfolios using six proprietary model portfolios and incorporates technical analysis alongside a mix of mutual funds, ETFs, stocks, and selective options strategies.

Jonathon Cohen is a financial advisor at Pacific Shores Investment Advisors with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has served as a financial advisor for In-N-Out Burger, Inc. since 2009, providing investment advice to principals. Pacific Shores Investment Advisors offers investment management services primarily to pooled or institutional accounts and high-net-worth clients. The firm employs a combination of fundamental and technical analysis within a Modern Portfolio Theory framework to construct diversified portfolios including individual securities, ETFs, and mutual funds.

Steven Tardiff is a financial advisor with Advisory Financial Services LLC in Oceanside, CA, holding a Series 63 designation and 39 years of industry experience. He has been with Advisory Financial Services since 1999. In addition to his advisory work, he is involved in tax consulting, insurance, and has served as a CFO. Advisory Financial Services LLC is a small, independent registered investment adviser serving primarily individual clients as well as pension and profit-sharing plans, trusts, estates, and other business entities. The firm offers comprehensive financial planning, investment management, and in-house income tax planning and preparation, tailoring portfolios to client risk tolerance and time horizons with ongoing monitoring and quarterly reviews.