Veronica Cabral is a CFP® with nine years of industry experience, currently serving as part of the team at Warren Street Wealth Advisors, LLC. She has been with Warren Street Wealth Advisors in various capacities since 2016. Outside of her advisory role, she maintains an online Etsy store where she occasionally sells digital products. Warren Street Wealth Advisors serves individuals, including high-net-worth clients, as well as pension plans, corporations, and investment companies. The firm offers portfolio management, financial planning, and pension consulting, and acts as sub-adviser to two firm-sponsored ETFs, utilizing a combination of fundamental, technical, and modern-portfolio theory analyses with active monitoring and rebalancing.

Matthew Merwin is a CFP®-designated financial advisor with 12 years of industry experience. He has been with Financial Management Network, Inc. and its affiliated firm FMN Capital Corporation since 2011. Outside of his advisory role, he serves as a homeowner association board member and is involved in non-investment business activities including providing California DMV services. Financial Management Network provides discretionary and nondiscretionary portfolio management, financial planning, and consulting to individual and institutional clients. The firm uses a strategic asset allocation framework combined with targeted active management, primarily implementing allocations through mutual funds and ETFs, and offers additional services such as income tax preparation and bookkeeping.

Chad Willardson is a financial advisor with Pacific Capital in Corona, CA, holding a Series 66 designation and 22 years of industry experience. He has worked at Pacific Capital since 2011 and previously spent six years with Gradient Securities, LLC. Willardson also serves as the City Treasurer for Corona, overseeing municipal finances. Pacific Capital provides discretionary investment management and comprehensive financial planning to high-net-worth individuals, families, trusts, estates, and retirement plans. The firm employs a disciplined asset-management approach combining fundamental, technical, and cyclical analysis with option strategies and both long- and short-term trading techniques.

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.

Eugene Bowan is a financial advisor with Valley Wealth Strategies, LLC, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He has worked at LPL Financial, LLC since 2017 and previously spent 19 years with National Planning Corporation. Bowan is also a Certified Estate Planner through Citadel Law Offices, an activity he has maintained since 2002. Valley Wealth Strategies, LLC serves individuals, families, trusts, small businesses, and charitable organizations by providing customized investment management, financial planning, and retirement-plan advisory services. The firm employs a primarily long-term investment approach combined with fundamental, technical, and cyclical analysis, and manages approximately $1.2 billion in assets with a notable portion managed on a non-discretionary basis.

Jared Ong is a financial advisor with Prudent Investors in Lake Forest, CA, holding a Series 65 designation and 14 years of industry experience. He has been with Prudent Investors Network since 2010. Prudent Investors is an SEC-registered investment adviser serving individuals, high-net-worth clients, fiduciaries, trusts, estates, and institutions. The firm focuses on discretionary portfolio management guided by client profiles and investment plans, using a total-return approach based on Modern Portfolio Theory and primarily allocating to ETFs and institutional mutual funds.

David Daley is a financial advisor with Forefront in Corona, CA, holding a Series 66 designation and three years of industry experience. His prior work includes positions at Daley Financial Planning LLC, End Pro Services, and Cambridge Investment Research Inc. He is also involved in marketing for the financial industry through contract work with N2 Content Marketing. Forefront provides investment management and financial planning services to individuals, high-net-worth clients, and select businesses. The firm develops individualized investment policies using fundamental and cyclical analysis and offers specialized services such as discretionary portfolio management and special needs planning.

Christopher Miller is a financial advisor with Safeguard Investment Advisory Group, LLC, holding Series 63 and Series 66 licenses and bringing 23 years of industry experience. He has worked at Safeguard since 2017 and concurrently serves as Vice President and Business Consultant at Asset Marketing Systems, where he recruits and trains advisors. Outside of finance, Miller is co-owner and CFO of Chickpea Kitchen LLC, a food service business. Safeguard Investment Advisory Group serves individual, high-net-worth, institutional, and business clients, managing over $600 million across approximately 1,800 relationships. The firm employs a fundamental-analysis investment process with a typical time horizon of two to ten years, using mutual funds, ETFs, and equities, and frequently utilizes sub-advisers and third-party model managers.

Deryk Cherubini is a financial advisor with Safeguard Investment Advisory Group, LLC, holding Series 63 and Series 65 licenses and possessing 14 years of industry experience. His prior roles include positions at LPL Financial, LLC, and U.S. Bank. Outside of his advisory work, he occasionally resells collectibles and rare sneakers online and works as a commissioned sales representative for a remodeling company. Safeguard Investment Advisory Group serves individual, high-net-worth, institutional, and business clients, offering 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 horizon of two to ten years.

Michael Carmo is a financial advisor at Tempus Wealth Planning, LLC in Irvine, CA, holding a Series 65 designation. He joined Tempus Wealth Planning in 2024 and has prior experience at Steinberg Sports & Entertainment and Lululemon. Carmo’s background includes a decade of diverse work experience across various roles. Tempus Wealth Planning serves individual, high-net-worth, corporate, and retirement-plan clients, providing asset management, comprehensive portfolio management, and financial planning. The firm employs a client-specific investment process that incorporates fundamental and technical analysis, with capabilities including derivatives and options strategies, and manages approximately $506 million in assets across an eight-advisor team.

Razvan Raicu is a CFP®-certified financial advisor with 13 years of industry experience. He is currently with SP Asset Management LLC and has previously worked at Morgan Stanley Smith Barney and Wells Fargo Advisors. SP Asset Management primarily serves high-net-worth individuals, pension and retirement plans, trusts, and business entities, offering discretionary portfolio management and financial planning. The firm employs fundamental securities analysis and asset-allocation strategies across various investment types, managing approximately $1.71 billion in client assets.

Alvin Knox is a financial advisor at Warren Street Wealth Advisors, LLC with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Fidelity Investments, LPL Enterprise, and Charles Schwab. Warren Street Wealth Advisors serves individuals, pension and profit-sharing plans, corporations, and investment-company clients by providing portfolio management, financial planning, and pension consulting. The firm constructs customized and model portfolios using a combination of fundamental, technical, and modern-portfolio theory analyses, and acts as a sub-adviser to its own ETFs with specialized derivative overlay strategies.

Brandon Decapite is a financial advisor with Financial Management Network Inc, holding Series 65 and Series 66 licenses and 16 years of industry experience. He has been associated with FMN Capital Corporation and EMC since 2008. Outside of his advisory role, he is involved in tax preparation and bookkeeping through a separate business and serves as an IRS Enrolled Agent. Financial Management Network provides portfolio management, financial planning, and consulting services to individual and institutional clients, utilizing a strategic asset allocation approach combined with targeted active management. The firm serves a diverse client base, including high-net-worth individuals and nonprofit employees, and offers additional services such as income tax preparation and bookkeeping.

Jeffrey Stanga is a financial advisor at Financial Management Network Inc with 10 years of industry experience. He holds a Series 66 designation and has worked at Financial Management Network and FMN Capital Corporation since 2014. Outside of his advisory role, he is an independent insurance agent licensed in life, accident, and health insurance, and serves as president of the Men’s Golf Association at Aliso Viejo Country Club. Financial Management Network provides portfolio management, financial planning, and consulting services to individual and institutional clients, employing a strategic asset allocation approach combined with targeted active management. The firm serves a diverse client base including high-net-worth individuals, trusts, and corporate pension plans, and offers additional services such as tax preparation and bookkeeping consulting.

Lisa Banning is a financial advisor with Financial Management Network Inc. She holds a Series 66 designation and has 27 years of industry experience. She has worked at FMN Capital Corporation and Financial Management Network, Inc. since 1999. Banning serves as a trustee on the Palm Harvest Church board, a 501(c)(3) organization. Financial Management Network provides portfolio management, financial planning, and consulting services to individual and institutional clients, including high-net-worth individuals, trusts, and corporate pension plans. The firm’s investment approach uses a strategic asset allocation framework with active management in specialized portfolio segments and offers additional services such as tax preparation and bookkeeping consulting.

Troy Davidson is a financial advisor at Ballast Rock Private Wealth with 16 years of industry experience. He holds the Series 66 designation and has previously worked at Charles Schwab Bank, Charles Schwab & Co., Inc., and Fidelity Brokerage Services LLC. Ballast Rock Private Wealth provides tailored portfolio management and financial planning services to individuals, high-net-worth clients, and pension or profit-sharing plans. The firm integrates fundamental analysis, modern portfolio theory, and quantitative methods to construct long-term portfolios, offering a broad range of investment options and consulting services for retirement plans.

Kevin Darger is a financial advisor at Financial Management Network Inc with 29 years of industry experience. He holds Series 63 and Series 65 designations and has been with Financial Management Network Inc since 1995. Outside of his advisory role, he serves on the board of directors for St. Andrew's Children's Center. Financial Management Network provides discretionary and nondiscretionary portfolio management, financial planning, and consulting services to individual and institutional clients, including high-net-worth individuals and corporate plans. The firm employs a strategic asset allocation approach combined with targeted active management and offers additional services such as tax preparation and bookkeeping consulting.

Emily Balmages is a CFP® professional with six years of industry experience. She has worked at Warren Street Wealth Advisors, LLC since 2019 and previously spent seven years at Tarbox Family Office. Warren Street Wealth Advisors serves individuals, including high-net-worth clients, employee benefit and pension plans, charitable organizations, corporations, and investment company clients. The firm provides portfolio management, financial planning, pension consulting, and retirement-plan advisory services, employing a mix of analytical approaches and actively managing equity and fixed-income strategies.

Brock Redondo is a CFA® charterholder and holds a Series 66 license, with one year of industry experience. He is currently affiliated with Mathis Wealth Management and has prior experience at firms including Ausdal Financial Partners and United Planners. Mathis Wealth Management provides financial planning, investment management, third-party advisor referrals, and retirement plan consulting to a diverse client base that includes individuals, high-net-worth clients, and institutional retirement plans. The firm employs a strategic asset allocation approach using no-load or institutional funds, ETFs, stocks, and bonds, and offers retirement plan services including participant education and enrollment.

Phillip Law is a CFA® charterholder and holds a Series 65 license with two years of industry experience. He has worked at Warren Street Wealth Advisors, LLC since 2018, with a three-year tenure at Capital Group preceding that. Warren Street Wealth Advisors serves individuals, pension and profit-sharing plans, corporations, and investment-company clients by providing portfolio management, financial planning, and pension consulting. The firm constructs customized and model portfolios, using a combination of fundamental, technical, and modern-portfolio theory analyses, and acts as sub-adviser to ETFs employing derivatives-based overlay strategies.