As both a CPA and CFP professional, I believe financial decisions shouldn't happen in separate conversations. As financial lives become more complex, the impact of taxes, investments, retirement planning, and major life decisions becomes increasingly interconnected. A coordinated strategy can make a meaningful difference over time. Based in Newport Beach, California, I work with individuals and families navigating increasingly complex financial lives. Whether you're building wealth, managing equity compensation, approaching retirement, running a business, planning for a major purchase, or experiencing another significant life transition, I help bring all the moving pieces together into one thoughtful financial strategy. My approach combines tax planning, financial planning, and investment management because each decision affects the others. Looking at only one piece of your financial life can lead to missed opportunities or unintended tax consequences. By coordinating these areas, my goal is to help clients make more informed decisions, reduce unnecessary taxes where possible, and build long-term financial confidence. As a fee-only advisor, I don't receive commissions or sell financial products. My recommendations are objective and designed around your goals, your values, and what makes the most sense for your unique situation. Before founding KCL Wealth Management, I advised high-net-worth individuals and families on tax planning at PwC. Today, I bring that experience into a more personal, collaborative relationship where clients understand not only what we're recommending, but why. My goal is for every client to leave meetings feeling more organized, more confident, and empowered to make smart financial decisions for years to come.

Jason Luhan is a financial advisor with Capital Investment Advisory Services, LLC, holding Series 66 and Series 65 designations and 17 years of industry experience. He has worked at several firms including Capital Investment Group, Inc., The Pacific Financial Group, and EQIS Capital Management, Inc. Outside of advisory work, he operates a law office providing general legal services and consults on compliance matters for RIAs and broker-dealers. Capital Investment Advisory Services provides portfolio management and supervisory services to individuals, corporations, retirement and profit-sharing plans, trusts, estates, foundations, and charitable institutions. The firm offers customized portfolios predominantly managed on a discretionary basis, utilizing fundamental, technical, and charting methods across various investment vehicles.

Leroy Born is a financial advisor at International Assets Investment Management, LLC with 25 years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Clearing and U.S. Bancorp Investments, Inc. Born also operates Born Capital Partners, a private label entity focused on fee-based financial management. International Assets Investment Management provides investment advisory services to individuals, high-net-worth clients, retirement plans, corporations, and other business entities through a national network of independent representatives. The firm emphasizes customized, long-term portfolio construction using a variety of investment vehicles and offers discretionary and non-discretionary portfolio management alongside financial planning and third-party manager referrals.

Willy Tan is a financial advisor at TCFG Investment Advisors, LLC with 25 years of industry experience. He holds a Series 66 designation and has been with TCFG since 2018, having previously worked at Western International Securities, Inc. from 2012 to 2018. TCFG Investment Advisors manages approximately $639 million in client assets through a team of 29 advisors, serving individuals, profit-sharing plans, charities, and businesses. The firm offers a range of portfolio management and financial planning services utilizing diverse analytical strategies, with portfolios reviewed at least annually to align with client objectives.

Jonathan Mendiola is a financial advisor at A.G.P. / Alliance Global Partners with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Euro Pacific Capital, Inc. since 2013. Outside of his advisory role, he provides private Jiu-jitsu lessons. A.G.P. / Alliance Global Partners offers advisory and brokerage services to individuals, trusts, corporations, and other entities, emphasizing international investing through its EPC Advisors Group division. The firm combines top-down macro themes with bottom-up security selection and provides a range of investment products and strategies, including separately managed accounts and third-party manager programs.

Kristofer Reddaway is a financial advisor at Citizens Private Wealth with 11 years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America, Merrill, and BNY Mellon. Citizens Private Wealth, LLC is a multi-team registered investment adviser serving high-net-worth individuals and families, as well as institutional clients such as pension plans, trusts, and charitable organizations. The firm employs a long-term, open-architecture investment approach with predominantly discretionary portfolio management and offers additional services including tax and estate structuring and business consulting for multigenerational family and closely held business matters.

Catherine Loquet is a financial advisor at Financial & Tax Architects, LLC with nine years of industry experience. She holds Series 63, 65, and 66 licenses and has worked at Advanced Wealth Management, Inc. since 2002, where she also owns an insurance business. Her career includes roles at First Financial Security and her current firm in Newport Beach, CA. Financial & Tax Architects, LLC provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients, focusing on those nearing or in retirement. The firm uses proprietary investment strategies with a focus on ETFs, individual securities, and monthly rebalancing, serving mainly discretionary client relationships.

Eric Carlson is a CFP® professional with 12 years of experience in the financial advisory industry. He currently works at Accelerate Retirement and has held previous roles at NFP Retirement, Triad Advisors, Independent Financial Partners, and LPL Financial. Outside of his advisory work, Carlson serves as a volunteer mountain biking coach for Woodcrest Christian School and operates Carlson Tax Services providing tax preparation. Accelerate Retirement serves individual and institutional clients, including retail and high-net-worth individuals, trusts, corporations, and employer plan sponsors. The firm offers retirement plan consulting, discretionary investment management, financial planning, participant investment advice, and plan-level fiduciary services, focusing on long-term investment strategies and customized portfolios.

George Park III is a financial advisor at Cooper McManus in Irvine, CA, with eight years of industry experience. He holds a Series 66 designation and has worked at Cambridge Investment Research, Inc., Securities America Inc., and Cooper Financial Group. Outside of advisory work, he is an independent insurance agent involved with Park Family Insurance and other insurance-related ventures. Cooper McManus serves individuals, trusts, corporations, and employer retirement plans by providing financial planning, discretionary portfolio management, and retirement-plan consulting. The firm employs a fundamentally driven investment process utilizing a broad range of securities and model asset-allocation portfolios tailored to client objectives.

Edward Malekan is a financial advisor at Legacy Wealth Management, LLC with two years of industry experience. He holds a Series 65 designation and previously worked at 20/20 Capital Management, Inc. and Eternity Financial Alliance, Inc. In addition to his advisory role, he is an insurance agent at EF Agency. Legacy Wealth Management is a multi-advisor firm serving individuals, charitable organizations, and business entities with discretionary portfolio management and financial planning. The firm offers tailored investment strategies, access to a broad range of asset classes, and utilizes affiliated service entities and outside business activities as part of its comprehensive client service platform.

Matthew Frazier is a financial advisor with Private Management Group Inc in Irvine, CA. He holds a Series 65 designation and has been with the firm since 2026. His prior work includes roles in education and service industries as well as a seven-year position at Shady Canyon Golf Club. Private Management Group provides discretionary investment supervisory services to individuals, pension and profit-sharing plans, trusts, estates, and business entities. The firm manages approximately $4.9 billion across several thousand accounts, employing individualized portfolios with a combination of longer-term strategic frameworks and shorter-term tactical adjustments.

Gale Rose Bergado is a financial advisor at Cooper McManus with nine years of industry experience, holding a Series 66 designation. Previously, Gale has worked at firms including Avantax Advisory Services and 1st Global Advisors, and maintains involvement with ONeill & Bergado, Inc., a tax and accounting services business. Gale also has experience providing asset management, financial planning, and life insurance services as a contractor. Cooper McManus serves individuals, trusts, corporations, and retirement plans, offering financial planning, discretionary portfolio management, and retirement-plan consulting. The firm employs a fundamentally driven investment process utilizing a broad range of securities and model portfolios tailored to client objectives.

Caeleb Trace is a financial advisor at Verity Asset Management with two years of industry experience. He holds a Series 65 designation and has worked as an insurance agent with Teacher's Pension and Insurance Services since 2019. Verity Asset Management is a multi-team SEC-registered advisory firm managing approximately $1.15 billion across a 55-advisor roster, serving individuals, retirement plans, institutional clients, and other advisers through model-based portfolio management and sub-advisory services.

Jeffrey Smits is a financial advisor with Wedbush Securities Inc. in Newport Beach, CA, holding a Series 66 designation and 18 years of industry experience. Prior to joining Wedbush Securities in 2023, he worked at Edward Jones from 2016 to 2023. Wedbush Securities serves a diverse client base including individual and high-net-worth investors, foundations, and institutional clients, offering a range of brokerage and SEC-registered investment advisory services across wealth management, fixed income, commodities, and capital markets. The firm manages approximately $5.68 billion in regulatory assets and provides both discretionary and non-discretionary managed account solutions alongside commission-based brokerage arrangements.

Rafael Garcia is a financial advisor with Calton & Associates, Inc., holding Series 63 and Series 65 credentials and 27 years of industry experience. His prior work includes roles at Capital Financial Services, Inc., Amerus, and Diversified Financial Management Group. Outside of his advisory work, he operates a tax preparation and consulting business under Garcia & Associates. Calton & Associates serves individual investors, retirement plans, trusts, estates, and other retail clients, offering portfolio management, financial planning, retirement plan consulting, and access to third-party money managers. The firm provides a range of investment programs and combines advisory services with brokerage and insurance products through its dual registration.

Scott Schiffer is a financial advisor at Centaurus Financial, Inc. in Irvine, CA, with 27 years of industry experience. He holds a Series 63 designation and has been with Centaurus since 1998. In addition to his advisory role, Schiffer is a senior partner at Kieckhafer Schiffer LLP, a certified public accounting firm where he oversees client tax matters and supervises accountants. Centaurus Financial, Inc. serves a diverse client base including individuals, families, businesses, and foundations. The firm provides financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing both discretionary and non-discretionary arrangements supported by a mix of fundamental and technical analysis.

Phillip Giese is a financial advisor with Goldman Sachs Wealth Services, holding a Series 66 designation and 19 years of industry experience. He has worked at Goldman Sachs & Co. LLC since 2021 and previously spent 15 years at The AYCO Company, L.P./Mercer Allied. Goldman Sachs Wealth Services provides financial planning, investment management, and advisory support to individual, high-net-worth, corporate, charitable, and institutional clients. The firm utilizes centralized investment resources and model portfolios, offering tailored solutions such as Executive Wealth and Private Family Office support within a large integrated financial group.

Mark Burton is a financial advisor with Eagle Strategies (NY Life) based in Lake Forest, CA. He holds the CFP® and ChFC® designations and has 43 years of industry experience. Burton also operates Burton Financial & Insurance Services, brokering non-registered insurance products through outside carriers. Eagle Strategies serves a diverse client base including individual investors and institutional plans, offering financial planning, investment management, and retirement plan advisory services. The firm emphasizes tailored advisory solutions and manages the majority of its assets on a non-discretionary basis.

John Cadwell is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has served at Independent Financial Group since 2010 and currently acts as the Administrator of the Estate of Paul E. Troutner. Outside of his advisory role, Cadwell provides financial consulting services related to estate management and also serves as a notary public. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser offering brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm manages approximately $11.3 billion in regulatory assets and delivers advisory services through a national network of Investment Adviser Representatives using multiple program options and platforms.

Lauren Lee is a financial advisor with Goldman Sachs Wealth Services, holding Series 63 and Series 65 licenses and possessing seven years of industry experience. Prior to joining Goldman Sachs in 2018, she worked at The Ayco Company, L.P./Mercer Allied and Precision Wealth. Goldman Sachs Wealth Services serves a diverse client base, including individual investors, corporate participants, executives, and institutional clients, offering financial planning, portfolio management, and specialized wealth programs. The firm integrates strategic allocation models and a range of proprietary tools, leveraging the broader Goldman Sachs platform to provide tailored advisory solutions.