Rand Borresen is a CFP® professional with 25 years of experience in financial advising. He has been with Ascend Financial Advisers, Inc. since 2000 and also maintains a legal practice as an attorney since 1988. His dual career includes providing non-investment-related legal services. Ascend Financial Advisers, Inc. offers personal financial planning and investment management to individuals, families, trusts, estates, and related entities. The firm employs a customized, tactical asset-allocation approach combining passive and active investments, and provides both ongoing and project-based planning services.

William Oconnor is a financial advisor with Applied Financial Planning, Inc. in Irvine, CA, holding a Series 63 designation and over 40 years of industry experience. His career includes roles at LPL Financial and Midland National Life, and he currently owns and operates several financial and tax-related businesses. He also hosts a radio program called The Money Guys, which promotes local news and financial planning ideas. Applied Financial Planning, Inc. provides tax preparation and tax planning services to individuals, institutions, and various organizations, focusing on tax-efficiency and long-term investment considerations. The firm bills on a fixed-fee or hourly basis and does not manage client investment accounts directly.

Puneet Sahi is a CFA® charterholder with 13 years of industry experience. He is the sole advisor at Iron Horse Capital, Inc., an independent firm based in Irvine, CA. His prior roles include positions at Palo Capital, GenSpring Family Offices, and SunTrust Bank. Iron Horse Capital, Inc. provides discretionary portfolio management, financial planning, and consulting primarily to individual and high-net-worth clients, as well as pooled vehicles and institutional clients. The firm manages a focused client base with tailored advice and model portfolios across varying risk tolerances, employing derivatives and related strategies within its investment approach.

Nicholas Covyeau is a CFP® with 11 years of industry experience, currently serving as the sole advisor at Swell Financial. His prior roles include positions at K2 Financial Inc., Lincoln Investment Planning, and First Republic Investment Management. He is also a co-host of the Real Personal Finance podcast, offering general financial education. Swell Financial is an independent registered investment adviser providing discretionary portfolio management and comprehensive financial planning to individuals, charitable organizations, and employer-sponsored plans. The firm employs a strategic asset allocation approach that favors passive funds with selective active management and offers pension and profit-sharing plan consulting services.

Mark Billes is a financial advisor at Retirement Investment Advisors Inc. in Corona, CA, with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Horter Investment Management, LLC, and Safe and Secure Retirement and Insurance Services, Inc., where he is president. Outside of advising, he also maintains a significant role in the insurance sector. Retirement Investment Advisors Inc. provides financial planning and investment advisory services primarily by referring clients to registered third-party money managers. The firm serves individuals, high-net-worth clients, and business entities, and offers educational seminars and workshops on various financial topics.

Aalok Devkota is the principal of Devkota Capital Advisors in Irvine, CA, holding a Series 65 designation and bringing 10 years of industry experience. His prior roles include positions at Markel Corp., Strategic Advisors, Inc., and Abundance Insurance Solutions, Inc. Devkota Capital Advisors is an independent investment adviser serving individuals, high-net-worth clients, trusts, endowments, and corporate and small-business clients. The firm offers discretionary asset management, model portfolios, and sub-advisory services, utilizing a multi-strategy approach that includes growth-equity, tactical ETF, and income-focused models.

Sagar Parikh is a financial advisor at PMA Wealth Management with 18 years of industry experience. He holds a Series 66 designation and has worked at firms including Silber Bennett Financial, Woodbury Financial Services, and Emerson Equity. Parikh is also a partner at Parikh, Mehta & Associates, a CPA firm providing tax preparation and business management services. PMA Wealth Management offers portfolio management services to individuals, high-net-worth clients, and charitable organizations. The firm employs a diverse investment approach that includes fundamental analysis, modern portfolio theory, and both long- and short-term trading strategies, with a focus on ETFs and alternative investments such as private placements and venture capital funds.

Jason Micheli is the principal advisor at Einstok Wealth Management LLC in Irvine, CA, with eight years of industry experience. He holds the Series 65 and Series 66 licenses. In addition to his financial advisory roles, he is involved in executive leadership as the General Presbyter for the Presbytery of Santa Barbara. Einstok Wealth Management provides discretionary portfolio management and investment advice to individuals, trusts, charitable organizations, and businesses. The firm employs a primarily passive investment approach based on Modern Portfolio Theory, utilizing low-cost index funds and ETFs, with a proprietary algorithm to tactically adjust allocations.

Denita Clark is a financial advisor with The Financial Architects Wealth Management LLC in Chino Hills, CA, holding Series 63 and Series 66 licenses and possessing 21 years of industry experience. Her prior work includes roles at Transamerica Financial Advisors, World Financial Group, LPL Financial, and CUNA Brokerage Services. She is also involved in the sale of health and insurance products through Covered California and her own insurance agency. The Financial Architects Wealth Management LLC provides non-discretionary investment management, financial planning, and retirement plan advisory services to a small client base of individuals and employer-sponsored plans. The firm uses a blend of fundamental, technical, charting, and cyclical analysis methods and offers limited-scope ERISA 3(21) pension consulting and participant education services.

Mahesh Jain is a financial advisor at Kuber Investments with seven years of industry experience. He holds a Series 65 designation and has worked as the CEO of Gray Matrix Inc., an IT consulting and software development business, since 2011. Kuber Investments is a boutique independent firm providing discretionary portfolio management to individuals and small businesses. The firm employs an active, fundamental investment approach with relatively concentrated and customized portfolios focused on large- and mid-cap stocks, selective ETFs, and tactical risk management.

John O'Connell is the principal of John G. O'Connell, a firm he founded in 2022. He holds Series 63 and Series 65 licenses and has 46 years of experience in the financial industry, with prior roles at firms including J Alden Associates, National Securities Corporation, and Fsic. John G. O’Connell provides investment advisory and portfolio management services to individuals, trusts, estates, and charitable organizations. The firm manages approximately $24 million on a discretionary basis for about 30 clients, applying a qualitative and fundamental investment process that incorporates sector and cyclical analysis along with multiple asset allocation strategies.

John Dunham is the sole advisor at Focused Capital Investment, LLC in Irvine, CA, holding Series 65 and Series 66 licenses with six years of industry experience. His background includes six years at Santiago Canyon College and over two decades associated with Focused Capital Investment. In addition to his advisory role, he serves as a principal tutor within the firm. Focused Capital Investment offers discretionary investment management and financial planning services to individuals, high-net-worth clients, pension plans, and corporate clients. The firm employs a primarily long-term investment approach based on fundamental and technical analysis, incorporating options strategies in separately managed accounts while maintaining specific operational practices such as accepting corporate clients and providing pension plan advisory services.

Prabhu Mogulla is a financial advisor with Peaceful Advisors LLC in Tustin, CA, holding a Series 66 designation and 12 years of industry experience. He has managed his own advisory firm since 2017 and has also served as president of Profcon Inc., a staffing services company, since 2001. Peaceful Advisors LLC provides portfolio management and one-time financial planning services to individual and high-net-worth clients, employing a range of analytical techniques and preparing customized Investment Policy Statements. The firm offers both discretionary and non-discretionary account management and conducts regular account reviews.

Eric La Nier is a financial advisor at Higher Impact Financial, LLC in Riverside, California, with seven years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones and Wealthtech Partners LLC. In addition to his advisory role, he is an online securities instructor, teaching courses such as the SIE, Series 7, and Series 66 exams. Higher Impact Financial serves individual and high-net-worth clients, offering discretionary and non-discretionary portfolio management alongside financial planning and consulting. The firm employs a range of strategies tailored to client objectives, including tax planning and retirement-plan consulting, and utilizes qualified custodians and third-party managers in its implementation.

Noah Taylor is the sole advisor at NCT Advisors, an independent firm based in Irvine, CA. He holds a Series 65 designation and has 13 years of experience with NCT Advisors, founded in 2013. NCT Advisors provides discretionary investment management to individuals, high-net-worth clients, and institutional accounts. The firm employs a long-term, risk-adjusted investment approach that combines fundamental and technical analysis, focusing on cost and tax efficiency through ongoing portfolio supervision.

Jeremie McKee is a financial advisor with Stonebridge Asset Management LLC, holding Series 63 and Series 66 credentials and 19 years of industry experience. He previously worked at Springboard Capital Management, Inc. for 13 years before founding Stonebridge in 2017. In addition to his advisory role, McKee is a licensed insurance agent involved in insurance and annuity sales. Stonebridge Asset Management LLC is an independent, single-advisor firm providing discretionary portfolio management to individuals, trusts, estates, and business entities. The firm uses a blend of passive, fundamental, and active technical analysis strategies to manage portfolios tailored to client objectives and risk tolerances.

Hi, and welcome! If your financial life has gotten complicated and you have a feeling you don’t know what you don’t know, you’re in the right place. Maybe your business is doing well, but your income, your taxes, and most of your net worth run through it. Maybe your RSUs keep vesting, your ESPP shares keep piling up, and you’re not sure what to sell, what to hold, or what you’ll owe in April. Or maybe you inherited money or were named a trustee, and you’re not sure what you can do, what you should do, or who to ask. We work with business owners, people with equity compensation, and inheritors and trustees. Our first real conversation is about your life, not your numbers. From there, we build one clear plan for your whole financial life, then help you actually get it done. We sit on your side of the table. That means coordinating your taxes, investments, estate plan, and major decisions, and working alongside your CPA and attorney so the moving parts stay in sync. If it has a dollar sign on it, we want to be part of that discussion. I’m a CFP® professional with more than ten years in the industry. Before starting Luhman Wealth Partners, I worked at a multi-family office serving wealthy families. I helped manage their portfolios, pulled together each family’s full wealth picture, and talked with them about their plans, trusts, and estates. Tax planning became my focus because it’s one of the few areas you can actually control. You can’t control the market, but the tax code has rules you can use in your favor. I started this firm to build the firm I’d want as a client: fee-only, a fiduciary at all times, and advice that is only ever about you. We’re a boutique firm by design, based in Irvine in Orange County, and we serve clients nationwide virtually.

Mark Harvey is the principal of Mark T. Harvey Investments in Anaheim Hills, CA, holding Series 63 and Series 65 licenses with 12 years of industry experience. He has been involved with Harvest Finance & Mortgage, Inc. since 2002 and also operates businesses in mortgage brokerage, insurance sales, and tax return preparation. Mark T. Harvey Investments serves a small client base primarily composed of individual investors, trusts, and other entities, offering ongoing financial planning, investment advisory services, and portfolio management. The firm employs a core passive investment approach using index and ETF mutual funds, tailored to clients’ life stage, tax considerations, and risk tolerance, while also providing financial coaching and quarterly consultations.

Betty Azmoon is a financial advisor with Griffin Financial in Anaheim Hills, CA, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. She has worked at LPL Financial, Woodbury Financial Services Inc, and Centaurus Financial, Inc. Outside of investment advisory, she provides divorce financial planning, forensic analysis, and mediation services through a separate business entity. Griffin Financial offers financial planning and investment consulting to individuals, trusts, estates, and charitable organizations, emphasizing both investment and non-investment topics such as cash flow, estate planning, and divorce-related financial issues. The firm provides fee-based advice without managing client portfolios or taking custody of assets, and it integrates fundamental analysis and asset allocation in its recommendations.

Eugene Lai is the principal advisor at Lai Capital Management LLC in Irvine, CA, with 23 years of industry experience. He holds the Series 65 designation and has managed Lai Capital Management since 2002. Outside of his advisory role, he is involved in Ferncroft Investment Partners LLC, a partnership investing in real estate and securities. Lai Capital Management provides discretionary portfolio management to individual clients and serves as the general partner and investment manager of a private pooled investment partnership for high-net-worth limited partners. The firm employs a value-oriented, long-term investment approach with concentrated portfolios and may use margin and options strategies.