Darrell Warner II is a financial advisor at Qmulate with 11 years of industry experience. He holds the Series 65 and Series 63 designations and previously worked at BlueRock Capital Advisors and Clearstone Insurance Services. Qmulate serves individual and high-net-worth clients, small businesses, and retirement plan sponsors with financial planning, coaching, investment consultation, and portfolio management, emphasizing a diversified, buy-and-hold investment approach primarily on a non-discretionary basis. The firm also provides educational workshops and coordinated implementation through third-party investment managers when appropriate.

Vernon Dransfeldt is a CFP® professional with nine years of industry experience, currently serving as an advisor at Equity Management Group since 2016. He holds Series 63 and Series 65 licenses and operates out of Santa Rosa Valley, CA. Equity Management Group provides fee-only financial planning and discretionary portfolio management to individuals—including high-net-worth and other clients—as well as non-profits, retirement plans, trusts, estates, and business entities. The firm employs a combination of stocks, mutual funds, ETFs, bonds, options, and master limited partnerships, supported by individualized investment plans and regular portfolio reviews by its three-advisor team.

Diane Upson is a financial advisor with Financial Coaching Partners LLC, holding a Series 65 designation and bringing 14 years of industry experience. She has been with Financial Coaching Partners since 2011. Outside of her advisory role, she is a licensed notary public in California. Financial Coaching Partners primarily serves individual clients, providing financial planning, bookkeeping, and ongoing financial management while referring investment implementation to third-party registered investment advisers. The firm operates on a fee-for-service basis and emphasizes Modern Portfolio Theory in its investment approach, focusing on fiduciary responsibility and tailored financial plans without direct portfolio management.

Carole Upson is a financial advisor with Financial Coaching Partners LLC in Somis, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. She has been with Financial Coaching Partners since 2009. Outside of her advisory role, she refers clients to attorneys for trust document preparation and works as an independent life insurance agent. Financial Coaching Partners primarily serves individual clients by providing financial planning, bookkeeping, and ongoing financial management while referring investment implementation to third-party registered investment advisers. The firm follows a fiduciary, fee-for-service model grounded in Modern Portfolio Theory and focuses on tailored financial plans without direct portfolio management.

Lori Day is a Series 65-licensed financial advisor with 12 years of industry experience. She is currently with Integrity Financial Advisors, LLC and has previously worked at Blue Ocean Capital Management, Virtue Capital Management, and Horter Investment Management. In addition to her advisory role, she is the owner of Day Street Financial & Insurance Services, where she sells insurance annuities and Medicare Advantage plans. Integrity Financial Advisors serves individuals, high-net-worth clients, trusts, and charitable organizations with financial planning and risk-protection advice. The firm frequently utilizes an affiliated investment manager for ETF-based, model-driven asset allocation strategies that align with client risk tolerances and planning goals.

Pamela Linderman is a financial advisor at Financial Coaching Partners LLC with 27 years of industry experience. She holds Series 63 and Series 66 designations and has worked at firms including LPL Financial and Sagepoint Financial, INC. Pamela also owns an insurance agency and provides estate planning services. Financial Coaching Partners primarily serves individual clients with financial planning, bookkeeping, and ongoing financial management, referring investment implementation to third-party registered investment advisers. The firm operates as a fee-only adviser, focusing on Modern Portfolio Theory and efficient market principles while avoiding direct portfolio management.

Melissa Sohn is a CFP® and CFA® with nine years of experience in financial advising. She is affiliated with Financial Coaching Partners LLC and previously worked at Siphron Capital Management for 28 years. Financial Coaching Partners primarily serves individual clients by providing financial planning, bookkeeping, and ongoing financial management, while referring investment implementation to third-party registered investment advisers. The firm follows a Modern Portfolio Theory-based, fee-only approach and does not directly manage client investment accounts.

Timothy Burt is a CFA® charterholder with four years of experience in the financial industry. He is currently with Peak Asset Management, LLC, where he has worked since 2023. He also has a long-term role with Cumsille Insurance Services dating back to 2006. Peak Asset Management is a multi-advisor SEC-registered firm managing approximately $1.01 billion for about 333 clients, including individuals, retirement plans, trusts, foundations, and corporate entities. The firm offers discretionary portfolio management and integrated financial planning, employing fundamental, technical, and qualitative analysis with a generally long-term investment approach.

Frank Simonelli III is a Series 65-credentialed advisor at Financial Coaching Partners LLC in Somis, CA, where he has worked since 2016. He has 10 years of industry experience. Financial Coaching Partners primarily serves individual clients with financial planning, bookkeeping, and ongoing financial management, referring investment implementation to third-party registered investment advisers. The firm operates on a fee-only, fee-for-service, and hourly basis, following an investment approach based on Modern Portfolio Theory and efficient market principles without direct portfolio management.

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.

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.

William Rudkin is a financial advisor at HBW Advisory Services LLC with seven years of industry experience. He holds a Series 65 designation and has worked at Bianchi AG Services Inc. since 2010. Outside of his advisory role, he is involved in accounting farm management services and trust asset management through separate business activities. HBW Advisory Services manages approximately $1.75 billion in client assets, serving individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach using third-party money managers, emphasizes multi-manager diversification, and offers a high client load per advisor alongside institutional and intermediary services.

Brent Johnson is a CFP® with 27 years of industry experience, currently serving at Mutual Advisors, LLC. He previously worked at LPL Financial for 16 years before joining Mutual Advisors in 2018. Outside of advisory work, he is involved in managing his family trust as a trustee. Mutual Advisors, LLC serves a diverse client base including individual investors, trusts and estates, retirement plans, and institutional investors. The firm offers a range of advisory services and manages portfolios using both active and passive strategies tailored to clients’ objectives, supported by multiple analytical approaches and third-party tools.

Richard Jones is a financial advisor with HBW Advisory Services LLC, holding Series 63 and Series 65 designations and bringing 22 years of industry experience. He has worked at HBW Advisory Services since 2010 and previously was affiliated with CETERA Advisor Networks LLC and HBW Securities LLC. Outside of his advisory role, Jones serves as treasurer for the Gator Wrestling Club and is involved in athletic endorsements. HBW Advisory Services manages approximately $1.75 billion in client assets, serving individuals, families, charitable organizations, businesses, and retirement plans. The firm utilizes a blended investment approach that incorporates tactical asset allocation and multi-manager diversification, with a notable client servicing model that supports a high client load per advisor and includes institutional and intermediary services such as sub-advisory arrangements and retirement-plan subscription offerings.

Michael Ryne is a financial advisor with Mutual Advisors, LLC in Moorpark, CA, holding a Series 66 credential and six years of industry experience. His career includes multiple roles at Mutual Advisors, LLC and Mutual Securities, Inc., as well as prior experience at Cedarstone Advisors and Monarch Plan Advisors. Mutual Advisors, LLC serves a diverse client base including individual investors, trusts, estates, retirement plans, and institutional clients. The firm employs both active and passive investment strategies with an emphasis on diversification and uses a variety of analytical methods to tailor portfolios, managing approximately $9.45 billion across 154 advisors.

Venkata Janga is a financial advisor at HBW Advisory Services LLC with one year of industry experience. He holds a Series 65 credential and has prior work experience with Chargeback 360, Shock Media Group, and EZ 2 Technologies Inc. Outside of his advisory role, he serves as president of Chargeback 360 and is a governor overseeing the endowment at California State University Fullerton. HBW Advisory Services manages approximately $1.75 billion in client assets and provides discretionary and non-discretionary asset management, financial planning, and consulting to individuals, families, charitable organizations, businesses, and retirement plans. The firm employs a blended investment approach using tactical asset allocation and multi-manager diversification, and offers services including sub-advisory arrangements and an online wrap-fee portfolio option through Betterment Institutional.

Elizabeth Donihue is a financial advisor with Coppell Advisory Solutions LLC, holding a Series 65 credential and one year of industry experience. Her prior work includes roles at Sand Canyon Country Club and American Lifestyle Financial & Insurance. Outside of advising, she is involved in music as a singer, songwriter, and performer, earning some residual income. Coppell Advisory Solutions LLC provides discretionary portfolio management and financial planning services to individuals, pension and profit-sharing plan participants, trusts, estates, charitable organizations, and businesses. The firm manages over $1.1 billion in client assets and employs a broad investment approach using both fundamental and technical analysis across a wide range of asset types.

Telma Provencio is a financial advisor at HBW Advisory Services LLC with 18 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at HBW Advisory Services since 2021. Her prior experience includes roles at Cetera Advisor Networks LLC and HBW Securities LLC. She is also licensed as an insurance agent, selling life, disability, annuities, and long-term care products. HBW Advisory Services manages approximately $1.75 billion in client assets, providing asset management, financial planning, and consulting to individuals, families, charitable organizations, businesses, and retirement plans. The firm emphasizes a blended investment approach, using third-party money managers and model portfolios, and serves a large client base through retail, charitable, and institutional relationships.

Amy Fontinelle is a financial advisor at Core Planning with over 20 years of experience in the industry. She holds a Series 65 designation and has been associated with her own practice since 2006 before joining Core Planning in 2026. Core Planning offers fee-only financial planning, wealth management, and portfolio management services primarily to individual and high-net-worth clients, as well as ERISA 3(21) advisory services for qualified retirement plans. The firm uses third-party model portfolios and automated rebalancing tools to tailor investment strategies based on client objectives, risk tolerance, and time horizons.

Kami Molin is a financial advisor at Mission Wealth Management, LP with one year of industry experience. She holds the Series 63 designation and has worked previously with HBW Securities LLC since 2010. Outside of her advisory role, she owns and operates Kami L. Molin Corporation, a tax and accounting services business. Mission Wealth Management serves high-net-worth individuals, families, and institutional clients, providing comprehensive wealth management, financial planning, and investment management services. The firm employs a “total picture” approach that integrates investment management with tax, trust, legacy, philanthropy, and risk planning, utilizing both internal and third-party resources tailored to client needs.