Robert Padilla Jr. is a CFP®-certified financial advisor with 34 years of industry experience. He is the principal of Redefine Financial, an independent registered investment adviser based in Mission Viejo, CA, where he has worked since 2018. Prior to this, he held roles at First Allied Advisory Services and operates several other business ventures, including Federalretirementreport.com, an education and consulting service, and The Dog Pawrk Brewing Company. Redefine Financial serves individuals, families, and select pension and profit-sharing plans, managing approximately $37.8 million across about 90 clients. The firm offers discretionary portfolio management using SEI’s platform and integrates fundamental, technical, and goals-based analysis with quarterly reviews, along with formal pension consulting services and financial education seminars.

Bryan Chin is the sole advisor at BK Chin, an independent registered investment adviser based in Laguna Niguel, California. He holds Series 63 and 65 licenses and has 29 years of industry experience, having led Bryan K. Chin & Co. since 1997. Outside of his advisory work, he serves as an independent contractor salesperson with Chunha Insurance Agency, recommending non-investment insurance products to clients. BK Chin offers a single equity platform, Managed Equity Portfolios, providing separately managed, tailored equity portfolio management focused on long-term capital growth. The firm serves individual investors meeting a $20,000 minimum as well as corporate pension and profit-sharing plans, employing a growth and value-oriented equity selection process with primarily non-discretionary account management.

Stephen Shloss is a CFP® and holds a Series 66 license with 18 years of industry experience. He is the president of Castle Financial and has previously worked at firms including Crown Capital Securities, LP and Money Concepts Advisory Service. Outside of his advisory role, Shloss is involved in health insurance sales, tax preparation as a CPA, real estate brokerage activities, and serves as a treasurer for a nonprofit organization. Castle Financial provides discretionary portfolio management and written financial planning to individuals, high-net-worth clients, and trusts or estates. The firm customizes investment programs based on clients’ objectives, time horizon, and risk tolerance, and combines fixed-fee financial planning with individualized portfolio management and oversight of third-party sub-advisors.

Patrick Thompson is a financial advisor at Sentient Financial, LLC with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Sentient Financial since 2012, including a prior affiliation with Foresters Equity Services, Inc. Outside of finance, he works as a sales representative for Oxford University Press, a higher education publishing company. Sentient Financial serves individual and small business clients by providing comprehensive financial planning, portfolio management, and retirement-plan advice. The firm employs a diversified investment approach based on Modern Portfolio Theory, blending fundamental and technical analysis, and may utilize institutional third-party managers to construct portfolios.

Robert Richter is the sole advisor at RJR Financial Services in Newport Beach, CA, with seven years of experience in investment advisory and over three decades as a Certified Public Accountant. He held a CPA practice from 1988 to 2021 and has been leading RJR Financial Services since 2014. Richter holds a Series 63 designation. RJR Financial Services primarily serves individual clients, offering discretionary portfolio management across a range of publicly traded securities including equities, mutual funds, ETFs, bonds, REITs, and occasional options. The firm’s investment approach is based on fundamental analysis and long-term investing, supplemented by short-term strategies, with accounts managed on a discretionary basis and near-daily reviews.

Eric Haney is the sole advisor at Haney Capital Management in Dana Point, CA, holding a Series 65 designation with 12 years of industry experience. Prior to founding his firm in 2013, he worked at The Boeing Company from 2002 to 2017. Haney Capital Management provides investment advisory services to individual clients without imposing a minimum account size. The firm employs fundamental analysis as the primary driver of investment decisions and offers both discretionary and non-discretionary portfolio management tailored to clients’ objectives and risk tolerance.

Adam Connors is the sole advisor at Commonwealth Family Office in Newport Beach, CA, holding a Series 66 designation with 18 years of industry experience. His prior work includes roles at Northland Securities Inc. and as a strategic advisor for Yucca Fins. Commonwealth Family Office provides discretionary investment management, wealth management, and financial planning services to high-net-worth individuals, trusts, estates, and businesses. The firm emphasizes portfolios constructed with exchange-traded funds and low-cost diversified mutual funds, combining fundamental and technical analysis with a focus on long-term holdings and selective short-term trading.

Denise Carcel is a financial advisor with Alpha Rising Advisors LLC in Newport Coast, CA, holding Series 63 and Series 65 licenses and possessing 42 years of industry experience. Her career includes roles at Equitable Advisors, LLC and Axa Advisors, LLC from 2001 to 2020, as well as at The Leaders Group Inc and Client One Securities since 2020. Alpha Rising Advisors provides portfolio management and financial planning services to individuals, high-net-worth clients, and business entities. The firm employs a diverse range of investment strategies and analytical methods, offering access to alternative and complex investments while typically managing assets on a non-discretionary basis.

Gary Psotka is the sole advisor at Service One Financial in San Juan Capistrano, CA, holding a Series 63 license with 28 years of industry experience. He has been with Service One Financial and its related entities since 2003, with additional roles in insurance sales and mortgage brokerage. Outside of investment advising, he is also a licensed real estate broker and insurance agent. Service One Financial provides investment advisory and financial planning services to individuals, institutional retirement plans, trusts, estates, charitable organizations, and business entities. The firm delivers primarily non-discretionary, custom-tailored advice and offers portfolio management, pension consulting, and 401(k) plan services, with investment recommendations spanning stocks, ETFs, mutual funds, hedge funds, private equity, and managed futures.

Kelley Wright is a financial advisor with IQ Trends Private Client Asset Management, holding a Series 63 designation and 27 years of industry experience. Wright has operated Kelley Wright & Co., Inc. since 1998. In addition to advisory work, Wright serves as managing editor of Investment Quality Trends, an investment newsletter providing research and recommendations on high-quality, dividend-paying stocks. IQ Trends Private Client Asset Management offers discretionary and non-discretionary investment advisory services primarily to individual and high-net-worth clients, including retirement and ERISA plan arrangements. The firm’s investment approach centers on a proprietary Dividend Yield Strategy focused on dividend-paying Select Blue Chip stocks, supported by in-house research from its newsletter and automated portfolio management.

James Cravotta is a financial advisor at Executive Services, LLC with 27 years of industry experience. He holds a Series 66 designation and previously worked at Securities America, Inc. from 2016 to 2020. In addition to advisory services, he is licensed as an insurance broker. Executive Services, LLC is an independent investment adviser that serves individuals and high-net-worth clients, managing approximately $30.5 million. The firm offers discretionary portfolio management and financial planning, utilizing a range of investment strategies including mutual funds, equities, fixed income, and ETFs.

Thomas Seaman is the sole advisor at Thomas Seaman Company in Laguna Beach, CA, holding the CFA® designation along with Series 63 and Series 65 licenses. He has 26 years of industry experience and has led his firm since 1996. In addition to investment advisory services, he serves as a court-appointed receiver managing assets involved in litigation. Thomas Seaman Company provides discretionary portfolio management to individual and high-net-worth clients, including families and trusts. The firm combines passive ETFs with selective value-oriented active equity and fixed income investments, tailoring strategies to client objectives, risk tolerance, and tax considerations, and occasionally employs margin and derivatives within separately managed accounts.

Alan Flores is a financial advisor at Darkhorse Advisor with 28 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Clearview Investment Partners for 11 years before joining Darkhorse Advisor in 2020. Darkhorse Advisor provides wealth management and comprehensive financial planning to individual clients, including high-net-worth individuals. The firm uses a blend of fundamental and technical analysis in an active, tax-aware investment approach, offering discretionary and non-discretionary portfolio management primarily invested in mutual funds, ETFs, and individual securities.

Charles Klumpp is a financial advisor at Pacific Pension Advisors LLC with 23 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked previously at Pacific Financial Advisory Group LLC and Waddell & Reed. In addition to his advisory role, he operates a separate insurance sales business. Pacific Pension Advisors provides retirement-focused advisory services to individuals, families, and employer-sponsored plans, offering financial and retirement planning, pension consulting, and assistance with insurance products and investment manager selection. The firm generally utilizes third-party managers to implement portfolios and delivers tailored financial plans coordinated with clients’ tax and legal advisors.

Lisa Lockerman is the sole advisor at Lockerman Financial Group, Inc., an independent firm based in Newport Beach, CA. She holds the ChFC® designation along with Series 63 and 65 licenses and has 34 years of industry experience. Prior to founding Lockerman Financial Group in 2021, she worked for Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. from 2008 to 2021. In addition to her advisory work, she acts as an independent insurance agent. Lockerman Financial Group serves individual and high-net-worth clients as well as trusts, estates, and charitable organizations, offering comprehensive financial planning, consulting, and discretionary investment management. The firm uses multiple analytical methods and a variety of investment instruments, and it may implement client portfolios through recommended third-party managers.

Charles Rowan is a financial advisor at Balanced Wealth Management with 14 years of industry experience. He holds a Series 65 designation and also serves as president of an independent insurance agency, a role he has maintained since 2009. Rowan has a background that includes mortgage brokerage spanning over three decades. Balanced Wealth Management primarily serves individual clients, including many high net worth individuals, as well as businesses, charities, and small pension plans. The firm focuses on assessing clients’ financial situations and matching them with third-party money managers, monitoring those relationships without directly managing assets or taking discretionary authority.

Rohit Singh is the principal and investment advisor representative at Hexeum Capital, an independent firm based in Newport Beach, CA. He holds Series 63 and Series 66 licenses and has 11 years of industry experience. Prior to founding Hexeum Capital in 2018, Singh worked at firms including Four Points Capital Partners and Primerica Financial Services. Outside of his advisory role, he owns and manages a hotel through Shivshakti LLC. Hexeum Capital serves individuals, high-net-worth clients, trusts, estates, businesses, and charitable organizations by providing customized financial planning, investment consultation, and management primarily through third-party portfolio managers. The firm also offers corporate consulting, workplace retirement plan advice, and educational workshops on retirement and estate planning topics.

Charles Dzama is the sole advisor at CDFinancial, an independent firm where he has worked since 2012. He holds a Series 65 designation and has 14 years of industry experience. In addition to his advisory role, he operates a life insurance agency as a separate business. CDFinancial provides discretionary asset management along with financial planning and consulting services primarily to individual clients. The firm manages approximately $99.7 million in client assets and serves over 250 clients, employing a mix of investment strategies tailored to each client’s goals and risk tolerance.

Scott Monroe is a CFP® and CFA® with 21 years of experience in the financial services industry. He is the sole advisor at 8020 Capital Management, an independent firm he joined in 2026. Prior to this, Monroe worked for Towneley Capital Management and TD Waterhouse Investor Services. 8020 Capital Management is a fee-only advisory firm specializing in wealth management and discretionary portfolio management for individuals and high-net-worth clients. The firm employs an asset-allocation approach combining passive and active strategies and offers both ongoing and project-based financial planning services.

Scott Devens is the principal of Devens Wealth Management in Newport Beach, CA, with 27 years of industry experience. He previously worked at Merrill Lynch from 1999 to 2024 and Bank of America from 2011 to 2024. Devens Wealth Management provides discretionary wealth management and financial planning services to individuals, high-net-worth clients, trusts, and estates. The firm employs a long-term investment approach focused on fundamental analysis and primarily uses low-cost exchange-traded funds, while offering continuous account monitoring and bundled financial planning.