Garrett Jones is a CFP® with eight years of industry experience, currently serving at Crossroads Planning in Orange, CA. He has previously worked at Tax and Financial Group and Securian Financial Services Inc. In addition to his advisory role, Jones prepares tax returns and consults clients on tax matters. Crossroads Planning is a small advisory firm managing approximately $63 million for individuals, including high-net-worth clients, and small businesses. The firm employs a Modern Portfolio Theory-based investment approach focused on diversified, primarily passive, low-cost funds, and offers comprehensive financial planning alongside educational workshops.

Kevin Davidson is a financial advisor at DW Financial Inc with 24 years of industry experience. He holds a Series 63 designation and has worked at H.D. Vest Investment Securities, Inc. since 1999. In addition to his advisory role, Davidson operates a CPA practice dating back to 1987. DW Financial Inc provides discretionary investment management, financial planning, and tax planning primarily for individual clients. The firm focuses on no-load mutual funds selected through an internal process and combines investment advice with supervised tax-preparation and tax-planning services.

Tony T. Chan, CFP®, EA, is the founder of Crossroads Planning, LLC, a Fee-Only financial and tax planning firm in Orange County, California. As a CERTIFIED FINANCIAL PLANNER™ professional and Enrolled Agent, Tony helps clients coordinate investment, retirement, and tax decisions through an integrated, long-term planning process. With more than 20 years of financial planning and tax-services experience, Tony works with individuals and families seeking thoughtful guidance on retirement income, portfolio strategy, tax planning, cash-flow and debt decisions, risk management, and estate-planning coordination. His approach is grounded in the belief that financial planning should be both technically sound and personally meaningful—aligning money with the life clients want to build. Tony earned his degree in Finance from California State University, Fullerton. He is an active member of the Financial Planning Association of Orange County and the National Association of Personal Financial Advisors. He has been recognized by InvestmentNews as a 2016 “40 Under 40” honoree and by CPA Practice Advisor as a 2018 “40 Under 40” honoree.

Ulli Niemann is a financial advisor at Southland Investments with 33 years of industry experience. He has been with Southland Investments since 1993. Niemann maintains an investment-related blog, The ETF Bully, which generates advertising revenue. Southland Investments provides personalized investment management and financial planning services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm employs a proprietary trend-tracking methodology using passively managed index funds and ETFs, managing roughly $22.6 million across about 95 discretionary accounts.

Larry Miranda III is a financial advisor at Palo Seco Wealth Management with 20 years of industry experience. His prior roles include positions at B.B. Graham & Company, Inc., Crown Capital Securities, and Prudential Insurance Company of America. Outside of advising, he is a licensed life insurance agent, operates a pool cleaning business, and serves as a preacher and officer for the nonprofit Surrendered Church. Palo Seco Wealth Management provides investment management and financial planning services to individuals, high-net-worth persons, and corporate clients. The firm employs a generally passive, low-cost investment approach focused on index funds and ETFs, incorporating biblically responsible investing and offering educational seminars within a Biblical framework.

Dion Collins is a CFP® professional with 25 years of industry experience. He has operated Collins Advisory since 1999 and is affiliated with James Curtis Financial And Insurance Services in Fullerton, CA. In addition to his advisory role, he is involved in independent insurance sales. James Curtis Financial And Insurance Services provides customized financial planning and portfolio management to individuals, high-net-worth clients, and other investment advisers on a non-discretionary basis. The firm employs a tailored Investment Policy Statement and combines fundamental and quantitative analysis with modern portfolio theory to construct long-term portfolios, offering a range of investment options including mutual funds, equities, fixed income, ETFs, real estate funds, and insurance products.

Josiah Jennings is a financial advisor at Vela Consulting, LLC with 14 years of industry experience. He holds a Series 66 designation and has worked at Columbia Capital Securities, Inc., Fortalice Group, Inc., Andrew C. Karlinski Financial & Insurance Services, Inc., and LPL Financial. Outside of his advisory role, Jennings serves as CEO of Oak Quarry Management, LLC, which manages investment funds focused on real estate and small businesses, and Two Plots, LLC, a real estate development company. Vela Consulting is a state-registered investment adviser serving individuals, corporations, trusts, and retirement plans. The firm manages approximately $47 million using a portfolio approach based on Modern Portfolio Theory, emphasizing diversification, long-term buy-and-hold strategies, and tailored rebalancing. Vela also incorporates third-party managers and private funds when suitable.

Max Abrams is a financial advisor with Money Managers, Inc. in Orange, CA, holding Series 63 and Series 65 licenses and five years of industry experience. His prior roles include positions in mortgage and finance companies such as HomeBay, Sun West Mortgage, and ACC Mortgage. Outside of advising, he is involved in real estate brokerage, accounting services, and mortgage funding through separate business activities. Money Managers, Inc. serves individual clients, small businesses, and charities primarily in California and Nevada, offering investment management, financial planning, and tax preparation. The firm constructs customized portfolios using mutual funds, ETFs, and other securities, maintaining ongoing client contact and managing accounts through client-designated custodians.

Christopher Soukup is a financial advisor at Lighthouse Financial Services Inc with 18 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at TD Ameritrade and Fidelity in various advisory roles. Lighthouse Financial Services serves individual, high-net-worth, pension, and institutional clients by providing discretionary portfolio management, financial planning, pension consulting, and tax preparation. The firm’s investment approach integrates top-down macroeconomic analysis with bottom-up security selection, emphasizing diversified asset allocation across multiple model strategies.

Edward Haro is a financial advisor at Edward Haro Financial, LLC with 28 years of industry experience. He holds a Series 63 designation and has worked at firms including Crown Capital Securities, Lp and Foresters Equity Services Inc. In addition to his advisory work, he is an independent insurance agent. Edward Haro Financial, LLC serves individual and high-net-worth clients, providing discretionary portfolio management, financial planning, and advanced options trading programs. The firm employs a combination of technical and fundamental analysis across a broad range of securities and manages accounts on a discretionary basis with quarterly reviews.

Samuel Escobar is a financial advisor with Lagos Wealth Advisors, holding a Series 66 designation and 22 years of industry experience. He has worked at Madison Avenue Securities since 2022 and Triad Advisors Inc from 2013 to 2022. In addition to his advisory role, he is active as a real estate broker with True Realty dba EFG Realty, providing real estate and mortgage services. Lagos Wealth Advisors serves individual clients, sponsoring organizations, and other entities by offering discretionary portfolio management, retirement plan consulting, advisory referral and monitoring services, and a specialized IRA program. The firm uses the AssetMark platform and third-party managers to implement investment strategies tailored to client-specific investment policy statements.

Jeffrey Reardon is a financial advisor at Wilson Financial Advisors, LLC in Garden Grove, CA, holding a Series 65 designation with six years of industry experience. He has worked at Wilson Financial Advisors since 2019 and previously worked at FCA from 2016 to 2018. Outside of his advisory role, he is also an insurance agent at Wilson Financial Services. Wilson Financial Advisors provides investment advisory services to individuals, trusts, estates, and business entities, offering discretionary portfolio management and financial planning. The firm employs a value-oriented, long-term investment approach using fundamental security analysis and a blend of strategic and tactical asset allocation tailored to client objectives and risk tolerance.

Ryne Umemoto is a financial advisor at Darrow Wealth Group with one year of industry experience. He holds a Series 65 designation and has prior experience at JPMorganChase and Bank of Hawaii. Outside of advisory services, he is also an insurance agent involved in selling and servicing insurance products. Darrow Wealth Group serves individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and business entities, providing portfolio management, pension consulting, and tiered financial planning packages. The firm typically directs client assets to third-party investment managers, offers discretionary management when authorized, and provides ongoing planning using eMoney software and specialized financial planning services.

Ryan Labriola is a financial advisor at Laguna Wealth Advisors, LLC with a Series 65 designation and one year of industry experience. Prior to joining the firm, he worked for 17 years at Fountain Valley Skating Center. Laguna Wealth Advisors serves high-net-worth individuals, retirement plans, business entities, and trusts, offering portfolio management, retirement plan consulting, and estate-planning services facilitated through Wealth.com. The firm uses a combination of fundamental, technical, charting, and cyclical analysis to tailor allocations to clients’ objectives and risk tolerances, and it regularly employs third-party separately managed accounts.

Jack Keeter is a financial advisor at Retirementadvice | JKA with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Retirementadvice | JKA since 2011. Keeter is also a trustee of the Keeter Family Trust and provides bookkeeping and tax advice services through a related business. Retirementadvice | JKA serves individuals, high-net-worth clients, and employer retirement-plan sponsors, offering asset management, financial planning, and retirement plan consulting. The firm manages discretionary portfolios and delivers written financial plans, employing a combination of fundamental, technical, and cyclical analysis with regular portfolio reviews and rebalancing.

Harinne Kim is a financial advisor with Apiis Wealth Management Corp. and holds a Series 66 designation. She has 19 years of industry experience, including prior roles at Ameritas Investment Company, LLC, Royal Alliance Associates, Inc., and Espy Asset Management LLC. In addition to her advisory work, she serves as vice president of Apiis Financial Inc. and president of Harik Insurance Agency, both of which involve insurance-related activities. Apiis Wealth Management Corp. provides discretionary portfolio management through third-party sub-advisers and offers retirement plan consulting and standalone financial consulting services. The firm serves corporations, pension and profit-sharing plans, charities, and high-net-worth individuals, employing tactical and strategic asset allocation while delegating trading discretion to sub-advisers.

Daniel Thomas is the principal of Thomas Investment Advisors LLC in Orange, CA, holding the Personal Financial Specialist (PFS™) designation with one year of experience at his current firm. He has managed a certified public accounting practice, Thomas & Thomas, since 1987 and serves as a trustee for the Group Insurance Trust of the California Society of CPAs. Thomas Investment Advisors LLC provides discretionary investment and wealth management services primarily to individuals and high-net-worth clients, emphasizing long-term investment strategies using low-cost mutual funds, ETFs, and occasional individual securities. The firm operates alongside a tax and accounting practice under common control, with Thomas using his CPA and PFS credentials to coordinate investment advice with tax and planning considerations.

Robert Kargenian is a financial advisor at TABR Capital Management, LLC with 43 years of industry experience. He holds Series 63 and Series 65 designations and has been with TABR Capital Management since 2003. TABR Capital Management provides discretionary investment management, wealth management, financial planning, and consulting services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm uses a technical analysis approach with trend-following models and relative-strength screening to guide asset allocation and manage downside risk, tailoring portfolios to client risk profiles through a combination of core and tactical exposures.

After spending 16 years working for global wealth management firms, I joined Mike Silane as a partner at 21 West Wealth Management in 2020. Our clients are all affluent individuals who have come into substantial wealth—sometimes suddenly, unexpectedly, or without a clear strategy for managing it. Many are business owners, inheritors, or those navigating major financial transitions, such as divorce. Our role is to help them protect, grow, and ultimately share their wealth in a way that aligns with their long-term goals and values. We approach our work with a deep sense of duty, care, and respect, treating our clients like family. Our culture is built on trust and long-term relationships, ensuring that we are there to support and guide you at every stage. Through advanced financial planning and disciplined investment strategies, we provide prudent, thoughtful guidance designed to create lasting financial security and peace of mind.

Ryan Thomas is a financial advisor at Thomas Investment Advisors LLC in Orange, CA. He holds a Series 65 designation and has worked in the financial and accounting industries since 2018, including roles at Baker Tilly US, LLP, and Chapman University. He co-founded Thomas Investment Advisors LLC in 2025 and also has experience with Thomas & Thomas. Thomas Investment Advisors LLC provides discretionary investment management and wealth management services to individuals and high-net-worth clients. The firm focuses on long-term, fundamentally based portfolio construction using low-cost mutual funds, ETFs, and occasionally individual securities, while also offering separate tax and accounting services through an affiliated practice.