William Davis III is a financial advisor at Pinnacle Capital Advisors with 27 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at firms including Sentinel Stone Financial and Saxony Capital Management. Outside of advisory work, he is licensed as an insurance agent. Pinnacle Capital Advisors provides non-discretionary financial planning and consulting primarily for individuals and high-net-worth clients, including family offices and corporate executives. The firm employs a long-term, fundamental investment approach, often recommending third-party advisers for portfolio management while emphasizing client participation and tailored planning.

Pat Wang is a financial advisor at Shearwater Capital with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with TD Waterhouse Investor Services Inc since 1999. Shearwater Capital serves individuals, families, high-net-worth clients, qualified retirement plans, and trusts by providing investment management, comprehensive financial planning, and investment supervisory services. The firm employs a scientific, long-term investment strategy emphasizing global diversification, tax efficiency, and low-cost passive funds, primarily utilizing Dimensional Fund Advisors’ products.

Alfred Walsh IV is a CFA® charterholder and holds a Series 63 license, with one year of industry experience. He has worked at Malaga Cove Capital, LLC since 2024 and previously spent a year with Fidelity Investments. Malaga Cove Capital, LLC provides discretionary investment management and retirement-plan investment services to individuals, high net worth clients, trusts, estates, charitable organizations, and businesses. The firm manages approximately $311 million across about 218 client relationships, focusing on equity-oriented portfolios combined with fixed income and other instruments for diversification, and offers ERISA 3(38) investment management services.

Jason Clardy is a financial advisor with My Portfolio Guide, LLC, holding a Series 66 designation and two years of industry experience. Prior to joining My Portfolio Guide, he worked at Edward Jones and has management experience outside finance as a superintendent at Fenix Marine Services, where he oversees cargo movement and ship discharge operations. My Portfolio Guide, LLC provides portfolio management and financial planning services to individual, high-net-worth clients, and pension plans, managing over $200 million in assets. The firm uses customized investment models and a mix of trading strategies, including short sales and tactical rebalancing, supported by educational resources for clients.

Adam Shipley is a financial advisor at NorthWoods Financial Partners LLC with 10 years of industry experience. He holds a Series 66 designation and has previously worked at firms including Perch Capital, LLC and National Asset Management. Shipley is also active as a registered representative at Emerson Equity LLC. NorthWoods Financial Partners LLC, founded in 2024, provides discretionary and non-discretionary asset management, comprehensive financial planning, and ERISA 3(21) retirement-plan advisory services primarily to individual clients. The firm’s investment programs are tailored to clients’ goals, time horizons, and risk tolerances, and employ a variety of analytical strategies with portfolios managed on either a discretionary or non-discretionary basis.

South Bay Financial Partners was founded by Tara Unverzagt in 2014. Tara’s interest in financial planning was sparked at a young age as she watched her mother become a financial planner in the 1960s, a time before the development of the financial planning career. Now, with over 30 years of experience in financial planning, investment advice, and tax preparation, Tara is more dedicated than ever to walking with clients through their life's journey, navigating financial decisions at various stages along the way. Her clients range from young adults just embarking on their careers to business owners to couples going through post-retirement transitions to multi-generations of families. Much like her mother, Tara is a visionary within her industry, fueled by her active involvement in the Financial Therapy Association (FTA). The FTA places a strong emphasis on recognizing, addressing, and working through the emotional factors that intertwine with money, like fear, shame, and anxiety, which frequently impede individuals from making optimal financial choices. In 2019, Tara received her CFT-I in Financial Therapy and now utilizes those skills in every client interaction. Since founding South Bay Financial Partners, Tara has grown her team to now have three other planners who bring their own areas of expertise and extensive experience to the table. This collective knowledge ensures that clients receive a well-rounded approach to their financial planning needs. Tara and her team firmly believe that your finances should support your life, and not the other way around. You deserve to have a life plan that is unique to you and your dreams. A plan that helps you live by your values without shame, fear, or anxiety. Your budget should tell your story. “We believe it’s your day-to-day decisions that make the difference in achieving financial success.” – South Bay Financial Partners team Overall, South Bay Financial Partners offers a comprehensive range of financial planning tools and services for anyone with any budget, with a focus on supporting clients in their day-to-day decisions, aligning their finances with their life goals, and addressing the emotional aspects of money decisions to create a fulfilling financial journey. Tara and her team provide investment advice and management, tax preparation and planning, cash flow (aka budgeting), estate planning support, charitable giving, generational wealth transfer, career development, insurance/company benefits review, and student loan and debt management, with financial therapy tools woven in everything they do. Learn more about Tara, the rest of the team, and their services by visiting southbayfinancialpartners.com

Michael O'Brien is a Chartered Financial Analyst (CFA®) with 17 years of industry experience. He has served as a financial advisor at O'Brien Investment Management, LLC since 2016. O'Brien Investment Management provides discretionary investment management to individuals, trusts, estates, charities, businesses, and retirement plan participants, managing approximately $225–$275 million in assets across about 165 client relationships. The firm focuses on portfolios of publicly traded equities, fixed income, mutual funds, and ETFs with a typical holding horizon of more than one year and offers management of held-away retirement accounts through a third-party platform.

Troy Broyles is a financial advisor with Mogul Wealth Management, Inc. in Manhattan Beach, CA, holding a Series 66 designation and seven years of industry experience. His career includes roles at LPL Financial LLC and CETERA Advisor Networks LLC. Outside of finance, he is a business owner of Air Mates, a non-investment-related enterprise. Mogul Wealth Management provides investment supervisory services, financial planning, and pension consulting to individuals, including high-net-worth clients, retirement plans, and business entities. The firm employs fundamental and cyclical analysis to build diversified portfolios and conducts regular client reviews with semi-annual reporting.

Joanne Nishiyama is a financial advisor at Insight Investment Counsel with 26 years of industry experience. She holds a Series 66 designation and previously worked at Purshe Kaplan Sterling Investments, Inc. and The Kinney Group, LLC for 11 years each. Insight Investment Counsel manages approximately $245.7 million across about 92 client accounts, providing individualized portfolio management to a diverse client base including high-net-worth and non-high-net-worth individuals, pension and profit-sharing plans, charitable organizations, corporations, and other investment advisers. The firm’s investment approach focuses on asset allocation, fundamental analysis, and utilizes mutual funds and ETFs with both long- and short-term strategies.

John Koudsi is a Certified Financial Planner (CFP®) with 27 years of industry experience. He is a managing member and strategist of Trojan Storage, a commercial storage firm, and also serves as managing member of 31Ten Lounge, a restaurant and lounge in Santa Monica. He has worked at Counterpoint Mutual Funds, LLC since 2014 and Core Financial Partners Inc. since 2010. Core Financial Partners is an SEC-registered adviser serving individuals, pension and profit-sharing plans, corporations, and insurance company clients. The firm provides financial planning, consulting, and wrap-fee asset management, constructing portfolios with mutual funds, ETFs, individual securities, and a range of private and alternative investments.

Dixon Karmindro Sr. is a financial advisor at Mainstream Capital Management with 16 years of industry experience. He has previously worked at Blue Dog Capital Management LLC and Cheviot Value Management, LLC. Outside of his advisory role, he is a passive investor and provides business consulting services through separate entities. Mainstream Capital Management serves individual and high-net-worth clients as well as businesses, offering comprehensive financial planning and discretionary portfolio management. The firm employs fundamental security analysis and tactical asset allocation, including alternative strategies such as long/short and selective use of leveraged or inverse funds.

Valerie Lemmon is a CFA® charterholder with 13 years of industry experience. She has been with Ridgewood Investments since 2012. Valerie is also a partial owner of Dividend Research and Management Inc, an entity created to share administrative costs and manage employee payments connected to Ridgewood. Ridgewood Investments provides discretionary and non-discretionary portfolio management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, foundations, pension plans, and business entities. The firm employs fundamental analysis and model-level portfolio construction with a long-term investment horizon, offering both model portfolios and bespoke solutions, including access to private pooled investment vehicles.

Donald Hance is a CFP® and Series 65-certified advisor with 18 years of industry experience. He has been with Glenmore Financial, Inc. since 2007. Outside of his advisory role, he works seasonally as a tax preparer assisting individual clients with their tax returns. Glenmore Financial is a fee-only advisory firm serving individuals and families, with a branded practice called LifeSighted focused on young professionals. The firm emphasizes tax-aware, individualized financial planning and uses low-cost index funds, ETFs, government bonds, and cash equivalents in portfolio management.

Cory Chapman is a financial advisor with EFC Wealth Management Firm, LLC, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has held various roles since 2003, including leadership at EFC Wealth Group and work with multiple firms in advisory and consulting capacities. Outside of advisory work, Chapman provides personal development coaching through seminars, audios, books, and speaking events, and teaches a free financial education program at Pepperdine University. EFC Wealth Management Firm, LLC offers discretionary asset management, financial planning, and retirement plan advisory services to individuals and plan sponsors. The firm employs fundamental, technical, and charting analysis, uses sub-advisors for portfolio implementation, and provides educational seminars plus a subscription coaching program for investors not yet qualifying for full asset management.

Christopher Casanega is a financial advisor at Sharper & Granite LLC with 12 years of industry experience. He holds a Series 65 designation and has been with Sharper & Granite since 2003. Sharper & Granite provides comprehensive portfolio management services to individuals, high-net-worth clients, trusts, pensions, and profit-sharing plans, managing approximately $318 million on a discretionary basis. The firm uses a top-down asset allocation process focused on low-cost, tax-efficient index ETFs and no-load index mutual funds, applying statistical methods to optimize portfolio allocations.

Scott Tolton is a financial advisor at Tolton Asset Management, LLC with six years of industry experience. He holds a Series 65 designation and has worked as an analytics consultant at Cornerstone Research since 2017. Prior to his current role, he spent seven years at Brigham Young University. Tolton Asset Management is a fee-only registered investment adviser serving individuals, trusts, estates, charitable organizations, small businesses, and retirement plans. The firm employs a non-discretionary advisory model, emphasizing diversified portfolios with an allocation toward smaller-company and value exposures, and also operates an affiliated CPA division providing tax and accounting services.

Ba Rack Little is a financial advisor at EFC Wealth Management Firm LLC with Series 65 and Series 63 licenses and two years of industry experience. Prior to joining EFC Wealth Management, Ba Rack Little worked at Northwestern Mutual in various capacities from 2023 to 2025. Outside of financial advising, Ba Rack Little owns NGNS Global, a fitness and health consulting business working with coaches and personal trainers. EFC Wealth Management Firm, LLC provides discretionary asset management, financial planning, and retirement plan advisory services to individuals and plan sponsors. The firm employs fundamental, technical, and charting analysis, offers educational seminars and a subscription coaching program, and uses sub-advisors to implement model strategies.

Vivianna Zhao is a financial advisor at X and Y Advisors, Inc. in El Segundo, CA, holding a Series 65 designation with eight years of industry experience. She has worked at X and Y Advisors since 2017 and previously at Chapman, Bird & Tessler, Inc. from 2016 to 2020. X and Y Advisors, Inc. is a state-registered, fee-only firm serving individual and high-net-worth clients, offering financial planning along with tax preparation, bookkeeping, payroll accounting, business consulting, and investment management. The firm employs a primarily passive, low-cost investment approach based on Modern Portfolio Theory, utilizing index mutual funds and ETFs, and offers project-based or ongoing financial planning with coordination of implementation and referrals to outside professionals.

Nathan Flynn is a financial advisor with Hermosa Wealth Management in Hermosa Beach, CA. He holds Series 63 and Series 65 licenses and has 25 years of industry experience. His career includes roles at firms such as Fifth Third Securities, Siebert Williams Shank & Co., Keystone Group, and Crowe LLP. Hermosa Wealth Management provides discretionary asset management and financial planning to individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities. The firm offers tailored investment programs based on client goals, risk tolerance, and time horizons, and conducts educational seminars and workshops for the public.

Michael Woods is a financial advisor at Beach Cities Wealth Management, LLC with 36 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Beach Cities Wealth Management since 2011. In addition to his advisory role, he is also involved with Blue Cross Health Insurance in an insurance advisory capacity. Beach Cities Wealth Management serves individuals and high-net-worth clients by providing personalized asset management through tailored portfolios that include stocks, bonds, ETFs, options, mutual funds, and private securities. The firm uses fundamental and cyclical analysis with a combination of long-term, short-term, and trading strategies, maintaining nearly all assets on a non-discretionary basis.