John Wills is a financial advisor at The Kocen Financial Group, Inc. in Rancho Mirage, CA, holding a Series 65 designation with seven years of industry experience. He has been with The Kocen Financial Group since 2007. The Kocen Financial Group, Inc. provides discretionary investment management and related services to individuals, pension and profit-sharing plans, trusts, estates, and business entities. The firm employs an asset-allocation approach that considers clients’ risk tolerance, time horizon, tax efficiency, and cash flow needs, and offers portfolio management primarily through mutual funds, ETFs, and third-party money managers.

Stephen Biesinger is a financial advisor with Cypress Wealth Services, LLC, holding a Series 66 designation and 22 years of industry experience. He has worked at Cypress Wealth Services since 2017 and previously held roles at M.S. Howells & Co., Purshe Kaplan Sterling Investments, Inc., and Integrated Wealth Management, Inc. Outside of advisory work, he serves on the board of Pathfinder Ranch, a charitable organization, and assists with bookkeeping for a social media business. Cypress Wealth Services is an SEC-registered advisory firm managing approximately $965.5 million for over 700 clients through a 10-advisor team. The firm serves high-net-worth individuals, families, trusts, estates, and businesses, offering discretionary investment management, financial planning, and retirement plan consulting with a focus on fundamental analysis and long-term portfolio construction.

Ryan Berkowitz is a financial advisor with Forthright Capital in Cathedral City, CA, holding Series 65 and Series 63 licenses and nine years of industry experience. His prior roles include positions at Infinity Financial Services Advisory, Secure Investment Management, Capstone Partners, and JP Morgan Securities. Forthright Capital Advisory, LLC manages approximately $107.7 million in discretionary assets and serves individuals, retirement plans, corporations, and charitable organizations. The firm primarily employs passive investment strategies using proprietary model portfolios and third-party managers, with regular portfolio reviews and an emphasis on due diligence.

Penny Houseman is a financial advisor with The Kocen Financial Group, Inc. She holds a Series 65 designation and has six years of industry experience. Houseman has been with The Kocen Financial Group since 2019 and previously worked at Jeffree Lee Financial Services for ten years. The Kocen Financial Group, Inc. provides discretionary investment management and related services to individuals, pension and profit-sharing plans, trusts, estates, and business entities. The firm employs an asset-allocation framework considering clients’ risk tolerance, time horizon, tax efficiency, and cash flow needs, and offers additional services including financial planning, business consulting, and seminars.

Brian Amidei is a financial advisor at Fortem Financial Group, LLC with 28 years of industry experience. He holds Series 63 and Series 65 registrations and has been with Fortem Financial Group since 2018, following two years at Fortem Financial, LLC. He is also the owner of BPA Capital Management, Inc., a flow-through entity for RIA compensation, and holds a license as an insurance agent. Fortem Financial Group provides financial planning, consulting, discretionary investment management, and retirement plan consulting for high-net-worth individuals, families, corporations, employee benefit plans, trusts, and charitable organizations. The firm constructs portfolios based on financial plans and investment policy statements, emphasizing diversification and alignment with clients’ risk tolerance, and manages accounts with ongoing reviews and a fiduciary approach under ERISA.

Brandon Rosi is a financial advisor at Keystone Private Wealth with Series 65 and Series 66 credentials and one year of industry experience. Prior to joining Keystone, he worked at Desert Oasis for four years and has owned and operated Rosi Physiotherapy since 2017, where he is involved in physical therapy, performance training, and medical consultation. Keystone Private Wealth is a SEC-registered advisory firm managing approximately $861 million with a team of 13 advisors. The firm serves high-net-worth individuals, families, trusts, estates, businesses, and retirement plan sponsors with customized portfolios that may include mutual funds, ETFs, individual equities, fixed income, and alternative investments, applying both long-term and tactical strategies as appropriate.

David Tsikman is a financial advisor with The Kocen Financial Group, Inc., holding a Series 66 designation and five years of industry experience. His work history includes roles at Kocen Financial Group, Financial Goal Securities, Inc., Glean Management LP, Orthodox Union, Miracle Mile CPA, and West Coast Talmudical Seminary. Outside of securities advisory, he manages a property management and real estate business under Tsikman Holdings. The Kocen Financial Group is a team investment adviser managing approximately $186 million on a discretionary basis for individuals, trusts, estates, retirement plans, and business entities. The firm focuses on asset allocation and comprehensive financial planning, combining traditional wealth management with institutional sub-advisory work and business consulting.

Norman Mangina is a CFP® and Series 65-licensed advisor with 11 years of industry experience. He has been with Illumination Wealth Management since 2015, where he is part of an 11-advisor team based in Palm Springs, CA. Illumination Wealth Management is a fee-only registered investment adviser serving individuals, high-net-worth clients, trusts, corporations, and retirement plans. The firm provides comprehensive financial life management, pension consulting, and business-owner exit planning services, employing a values-linked, long-term investment approach across multiple offices and integrated family office offerings.

Bradley Arave is a CFP® and holds a Series 66 license with 17 years of industry experience. He has worked at Cypress Wealth Services, LLC since 2019 and previously at J.P. Morgan Securities LLC from 2012 to 2019. In addition to his advisory role, he provides insurance solutions as an independent insurance professional. Cypress Wealth Services is an SEC-registered advisory firm managing approximately $965.5 million for high-net-worth individuals, families, trusts, estates, and businesses. The firm employs a fundamental, long-term investment approach with customized asset allocation, offering discretionary management and financial planning through a team of 10 advisors.

Michael Boden is a financial advisor at DST Wealth Management LLC with five years of industry experience. He holds a Series 65 designation and previously worked at Elite Worldwide for thirteen years. DST Wealth Management provides advisory services to individual and high-net-worth clients, including trusts and estates, offering portfolio management, third-party manager selection, and access to alternative private investments. The firm employs a personalized investment approach based on clients’ financial situations, risk tolerance, and objectives.

John Balmer is a financial advisor with DST Wealth Management LLC, holding a Series 66 designation and over 20 years of industry experience. He has worked at firms including Kingswood Capital Partners, Benchmark Investments, Centaurus Financial, and Clearsight Wealth Management, where he also manages non-investment-related tax and accounting activities. He is involved in marketing deferred sales trust services as part of an estate planning team. DST Wealth Management provides advisory services to individual and high-net-worth clients, including trusts, estates, and retirement accounts. The firm offers portfolio management, third-party manager selection, and access to alternative private investments, utilizing individualized allocations based on client financial situations and investment objectives.

B. David Goldstein is a financial advisor at WealthPlan Partners with 38 years of industry experience. He holds a Series 63 designation and has worked at firms including Securities America, Western International Securities, and Wealth Plan Network. In addition to financial planning, he is involved in insurance sales, focusing on long-term care and keyman premium financing. WealthPlan Partners serves individuals, high-net-worth clients, and institutional clients such as foundations and pension plans. The firm employs a “Strategy Diversification” investment approach across mutual funds, ETFs, individual securities, and alternative strategies, generally managing client accounts on a discretionary basis with ongoing monitoring and periodic rebalancing.

Cole Pine is a financial advisor at Fortem Financial Group, LLC with five years of industry experience. He holds a Series 66 designation and previously worked at MassMutual and Northwestern Mutual. Outside of his advisory role, he has experience in the brewing industry and university settings. Fortem Financial Group serves high-net-worth individuals, families, corporations, employee benefit plans, trusts, and charitable organizations by providing financial planning, discretionary investment management, and retirement plan consulting. The firm emphasizes diversified portfolios aligned with clients’ risk tolerance and time horizon, employing modern portfolio theory and independent managers where appropriate.

Michael Clark is a CFP® with 32 years of industry experience currently serving at West Wealth Group, LLC. His career includes roles at Cooper McManus, SECURITIES AMERICA, Inc., and Official Quote Insurance Services, LLC. Outside of financial advising, he is a real estate salesperson and owner of Ensemble Realty Group. West Wealth Group provides investment advisory, asset management, and financial planning services to individuals, trusts, estates, charitable organizations, small businesses, and retirement plans. The firm manages approximately $616.7 million in discretionary assets and employs a blend of fundamental, technical, Modern Portfolio Theory, and cyclical analysis within a networked team operating model.

Marc Koven is a financial advisor at Cypress Wealth Services, LLC with 20 years of industry experience. He holds a Series 66 designation and has worked at M.S. Howells & Co, Cypress Wealth Services, PURSHE KAPLAN STERLING INVESTMENTS, Inc., and Integrated Wealth Management, Inc. Outside of advising, he serves as an independent insurance professional and assists other RIAs with operations and technology as a subject matter expert. Cypress Wealth Services is an SEC-registered advisory firm managing approximately $965.5 million for high-net-worth individuals, families, trusts, estates, and businesses. The firm employs a fundamental, long-term investment approach with customized asset allocation and portfolio construction, offering discretionary investment management, financial planning, and retirement plan consulting.

Christine Neilson is a financial advisor at Investment Research Corp with over 31 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including MML Investors Services, MassMutual Life Insurance Company, and Horace Mann Companies. Neilson is also the owner and president of Neilson Advisory Group, Inc., which provides individual and group health insurance as well as CPA and tax preparation services, and she manages a bookkeeping and business consulting firm. Investment Research Corporation offers investment supervisory services, portfolio management, and financial planning to individual and institutional clients. The firm employs a fundamental approach to security analysis and manages a broad range of securities, with an emphasis on both discretionary and non-discretionary account management.

Jill Ditter is a CFP® with 21 years of industry experience, currently with Gallacher Capital Management, LLC since 2013. She manages financial planning and investment advisory services as part of a 10-advisor team. Outside of her advisory role, she spends a small portion of her time preparing year-end tax returns for her husband’s carpet and upholstery cleaning business. Gallacher Capital Management advises individuals, retirement plans, trusts, estates, charitable organizations, and business entities, offering integrated wealth management, investment management, financial planning, and retirement plan consulting. The firm uses a consultative investment process, implementing client objectives through its proprietary GEM platform and managing portfolios generally on a discretionary basis.

Daniel Neil is a CFP® with 24 years of industry experience, currently serving at FLC Capital Advisors in Palm Desert, CA. He has been with FLC Capital Advisors since 2001 and previously worked at Securities America, Inc. from 2001 to 2024. Outside of his advisory role, he assists with managing a commercial real estate property for his family. FLC Capital Advisors serves individual and high-net-worth investors, as well as trusts, retirement plans, and business entities, providing discretionary and non-discretionary asset management, financial planning, and investment consulting. The firm emphasizes fiduciary duties and client-specific asset allocation, employing both strategic and tactical approaches across various asset classes.

David Thatcher is a CFP® professional with 17 years of experience in the financial services industry. He is currently with Cypress Wealth Services, LLC and M.S. Howells & Co, and has previously worked at Purshe Kaplan Sterling Investments, Inc. and Integrated Wealth Management, Inc. Outside of financial advising, he is involved in agricultural business operations through roles in several related entities. Cypress Wealth Services is an SEC-registered advisory firm managing approximately $965.5 million for high-net-worth individuals, families, trusts, estates, and businesses. The firm employs a fundamental, long-term investment approach with customized asset allocation and portfolio construction, offering discretionary management, financial planning, and retirement consulting.

Lawrence Doody is a financial advisor at Uhlmann Investment Management, L.L.C. in Palm Desert, CA, with 38 years of industry experience. He has been with Uhlmann Investment Management and its affiliated firm, Uhlmann Price Securities, LLC, since 2013. He holds the Series 63 and Series 65 designations. Uhlmann Investment Management provides discretionary and non-discretionary portfolio management services to individual, high-net-worth, institutional clients, and trusts. The firm uses a fundamental analysis and long-term asset allocation approach, offering portfolios that combine stocks, bonds, ETFs/mutual funds, and alternatives, and employs third-party managers and custodial model programs.