Ralph Bender is a CFP® with 33 years of experience in financial advisory. He is currently with Enduring Wealth Advisors LLC, where he has worked since 2023, and has over two decades of experience with LPL Financial. Outside of his advisory work, he regularly speaks and conducts investment-related seminars for Calvary Chapel Bible Fellowship in Temecula, CA. Enduring Wealth Advisors LLC manages approximately $122.8 million for around 225 clients, primarily individual and high-net-worth investors, along with trusts, retirement plans, and business entities. The firm offers discretionary asset management, financial planning, and retirement plan consulting, utilizing a range of investment strategies and vehicles tailored to client objectives and risk tolerances.

Navy Klomsue is a financial advisor with Financial Equations Advisors, Inc., holding a Series 66 designation and 19 years of industry experience. Prior to joining his current firm in 2020, he worked at Wealthsource Partners, LLC and Ameriprise Financial Services, Inc. Financial Equations Advisors serves individual and business clients, providing comprehensive financial planning, discretionary portfolio management, and retirement plan consulting. The firm uses an asset-allocation framework combined with technical analysis and may engage third-party sub-advisers while maintaining oversight, and it offers both wrap-fee and non-wrap advisory options.

Ryan Dugan is a Series 65-registered advisor at Morgan Stevens Asset Management, LLC with three years of industry experience. His background includes roles in mortgage lending and retail prior to joining Morgan Stevens. Morgan Stevens Asset Management provides discretionary portfolio management to individuals, high-net-worth clients, and corporate entities. The firm employs a diversified investment approach that integrates fundamental, technical, cyclical, and quantitative analysis along with modern portfolio theory to manage asset allocation and risk.

Travis Cramer is a Series 65 licensed advisor with Wolfgang Capital, based in Temecula, CA, and has been with the firm since 2025. His prior experience includes roles at Northpoint Tax, Wealth and Business Advisory and Bryars Tolleson Spires & Whitton LLP. Outside of advising, he is a partner and CPA at Wolfgang Tax & Accounting LLP, where he provides tax professional services. Wolfgang Capital serves individual clients, both non-high-net-worth and high-net-worth households, offering discretionary asset management and financial planning services. The firm manages portfolios based on client-specific investment policies and conducts educational seminars and webinars for the public.

Addison Hinrichs is a financial advisor at Vine Capital Management, LLC with three years of industry experience. He holds a Series 65 credential and has worked previously at Shafer and Ray, CPAs, and KLittle Accounting. Outside of finance, he serves as Worship Director at Temecula Hills Christian Fellowship. Vine Capital Management provides investment advisory and consulting services to individuals, trusts, retirement plans, and business entities. The firm offers asset management through a wrap fee program, combining fundamental analysis and a contrarian security-selection approach tailored to each client’s objectives and risk tolerance.

Gail Gonzales is a financial advisor at Financial Equations Advisors, Inc. in Corona, CA, holding a Series 65 designation with five years of industry experience. Her prior work includes roles at Collier Simon, Spinifex, Ignited, CoBird, and Gearys. Financial Equations Advisors serves individual and business clients with comprehensive financial planning, discretionary portfolio management, and retirement plan consulting. The firm uses an asset-allocation framework combined with technical analysis and may engage third-party sub-advisers while maintaining oversight.

Allison Peterson is a financial advisor at The Sullivan Group with 15 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Purshe Kaplan Sterling Investments since 2011. In addition to her advisory role, she serves as a Senior Administrative Assistant for the City of Dana Point’s Planning Department. The Sullivan Group is a California-licensed investment advisory firm managing approximately $100 million in discretionary assets for about 96 clients. The firm offers portfolio management, financial planning, and retirement plan consulting, using a range of investment analyses and vehicles tailored to client objectives.

Justin Simmons is a CFP® with 18 years of industry experience and is currently affiliated with Davies Financial Advisors, Inc. He has worked at Commonwealth Financial Network and Morgan Stanley, among other firms. Simmons is in the process of transitioning clients to CCG Wealth Management LLC while maintaining dual registration during this period. Davies Financial Advisors serves individual and high-net-worth clients, businesses, retirement plans, charitable organizations, and insurance-industry clients with financial planning, discretionary asset management, and retirement plan consulting. The firm employs multiple methods of analysis to develop individualized asset-allocation strategies and offers a range of investment products, including access to Commonwealth’s PPS Custom and PPS Select programs.

Ryan Mizer is a Series 65-licensed financial advisor with Wolfgang Capital in Temecula, CA, and has eight years of industry experience. He has been with Wolfgang Capital since 2018 and is also involved in insurance sales and service through Wolfgang Financial and Insurance Agency. Wolfgang Capital provides discretionary portfolio management and comprehensive financial planning primarily to individual clients. The firm combines fundamental, technical, and cyclical analysis to construct portfolios and offers financial planning at no additional charge to asset-management clients, with no account minimum required.

Mark Tracy is a CFP® and holds a Series 66 license, with 13 years of industry experience. He is currently affiliated with Enduring Wealth Advisors in Temecula, CA, and has also worked with LPL Financial since 2016. Outside of his advisory work, he volunteers as a youth baseball team manager for the Shetland Phillies. Enduring Wealth Advisors serves individual and high-net-worth clients, trusts, pension plans, and businesses by providing asset management, financial planning, and retirement plan consulting. The firm offers discretionary portfolio management using a combination of fundamental, technical, quantitative, and sector analysis, and includes options, alternative investments, and third-party manager recommendations in its strategies.

Lyndsay Davies is a Series 65 licensed financial advisor with Davies Financial Advisors, Inc., bringing two years of industry experience. She has worked at CCG Wealth Management LLC and Davies Financial Advisors, Inc., and previously held roles outside finance including positions in education. Ms. Davies is also CEO of Evergreen Marketing Enterprises, an administrative and consulting business, and is a licensed insurance agent involved in insurance sales and implementation. Davies Financial Advisors provides financial planning, discretionary asset management, and retirement plan consulting to individuals, businesses, and charitable organizations. The firm uses multiple analytical methods and manages client accounts primarily on a discretionary basis, offering access to a broad range of securities and insurance products.

Paul Valencia is a financial advisor at Vineyard Wealth Advisory LLC with 40 years of industry experience. He holds Series 63 and Series 65 designations and has been with Vineyard Wealth Advisory since 2015. His other business activities include fee-based variable contract subaccount management, although he is not the writing agent. Vineyard Wealth Advisory is a small firm managing approximately $39.5 million for about 74 clients, serving both high-net-worth and non-HNW households. The firm provides portfolio management and financial planning services, incorporating insurance product recommendations as part of its offerings, and generally operates on a non-discretionary basis.

Charles Etzweiler is a CFP® professional with 27 years of industry experience, currently serving at Nepsis, Inc. since 2018. His prior experience includes roles at Thrivent Financial and Thrivent Investment Management. He is a board member of Equipping Pastors International, an organization that trains pastors in foreign countries. Nepsis, Inc. provides discretionary portfolio management, financial planning, and consulting services to individual and high-net-worth clients, retirement accounts, charities, and businesses. The firm also offers research and educational products to other financial advisors and employs a blend of investment strategies using mutual funds, ETFs, separate account managers, and sub-advisors.

Leonard Cole is a CFP® with 14 years of experience currently with Team Wealth & Tax Advisors. He has previously worked at AE Wealth Management and operates Cole Legacy Properties. He is also president and CEO of TEAMTAX PROFESSIONAL, INC., a tax preparation firm. Team Wealth & Tax Advisors provides discretionary asset management and comprehensive financial planning for individuals, high-net-worth clients, trusts, and business entities, with an integrated approach combining investment management and coordinated tax planning through affiliated tax entities.

Ricky Rivera is a financial advisor with Safeguard Investment Advisory Group, LLC in Corona, CA, holding a Series 65 designation and 18 years of industry experience. He has been with Safeguard since 2008 and also operates Rickshaw Financial & Insurance Services, Inc., where he offers insurance products to clients. Safeguard Investment Advisory Group serves individual, high-net-worth, institutional, and business clients by providing discretionary portfolio management, access to third-party sub-advisers, and fee-based financial planning. The firm manages over $600 million across approximately 1,800 client relationships and employs a fundamental-analysis investment process with a preferred time horizon of two to ten years.

Scott Altenburg is a financial advisor at T&T Capital Management with 11 years of industry experience. He holds a Series 65 designation and has worked at firms including Kingsview Asset Management and Rick Nelson Insurance Solutions LLC. Altenburg is involved with Three Lakes Trading Company, where he offers managed futures services, and he also works as a resident insurance producer. T&T Capital Management provides discretionary portfolio management to individual, high-net-worth, and corporate clients, focusing on portfolio construction and supervision with a primarily long-term, deep-value investment approach combined with tactical strategies when appropriate.

Jeffry Cole II is a CFP® professional with nine years of industry experience, currently serving at Team Wealth & Tax Advisors in Temecula, CA. He has held various roles within affiliated entities since 2013, including running his own tax preparation and planning business. His background includes work at AE Wealth Management and multiple related financial and tax service entities. Team Wealth & Tax Advisors provides discretionary asset management and comprehensive financial planning to individuals, high-net-worth clients, trusts, and business entities. The firm integrates investment management with coordinated tax planning and preparation through affiliated tax entities, employing a strategy that combines fundamental and technical analysis alongside AI-enabled operational tools.

Reid Abedeen is a financial advisor with Safeguard Investment Advisory Group, LLC, holding a Series 65 designation and 18 years of industry experience. He has been with Safeguard since 2008 and is also associated with Woodland Financial Services, Inc. Abedeen offers insurance products to clients through his California life insurance license. Safeguard Investment Advisory Group serves individual, high-net-worth, institutional, and business clients, providing discretionary portfolio management, access to third-party sub-advisers, and fee-based financial planning. The firm manages over $600 million across approximately 1,800 client relationships, employing a fundamental-analysis investment process with a time horizon of two to ten years and utilizing mutual funds, ETFs, and listed equities.

David Leonhart is a financial advisor with Team Wealth & Tax Advisors in Temecula, CA, holding Series 63 and Series 65 licenses and having 17 years of industry experience. He has worked at Team Financial Group and HD Vest Investment Services, among other firms. Outside of his advisory role, he is active as a tax preparer with TeamTax Professionals Inc. and serves as an insurance agent with D.P.L. Tax, Financial & Insurance Solutions. Team Wealth & Tax Advisors provides discretionary asset management and comprehensive financial planning to individuals, high-net-worth clients, trusts, and business entities. The firm integrates tax planning and investment management through a “SmartChoice Wealth Strategy” and is noted for its close affiliation with accounting and tax entities.

James Murray is a Series 65-licensed financial advisor at Safeguard Investment Advisory Group, LLC with four years of industry experience. He has been with Safeguard since 2010 and is also a licensed insurance agent. Safeguard Investment Advisory Group, LLC serves individual, high-net-worth, institutional, and business clients by providing discretionary portfolio management, access to third-party sub-advisers, and fee-based financial planning. The firm manages over $600 million across approximately 1,800 client relationships and employs a fundamental-analysis investment process with an investment horizon typically between two to ten years.