Rachael Johnson is a CFP® and holds a Series 66 license with 25 years of industry experience. She has been with Bernard & Johnson Family Wealth Management since 2016. Outside of her advisory role, she works as a fitness trainer at CrossFit Monrovia and serves as secretary on the Huntington Oaks HOA Board. Bernard & Johnson Family Wealth Management serves individuals, families, trusts, small businesses, and retirement plans, including high-net-worth clients. The firm provides financial planning and discretionary investment management, focusing on customized, long-term strategies implemented through institutional money managers and ongoing portfolio monitoring.

Robert McClure is the principal of McClure Investment Management, LLC in Glendora, CA, holding Series 63 and Series 66 licenses with 24 years of industry experience. He has led McClure Investment Management since 2001. McClure Investment Management provides personalized discretionary portfolio management, investment consulting, and pension consulting to individuals, high-net-worth clients, trusts, estates, charitable organizations, and business entities. The firm manages approximately $64 million in discretionary assets and employs a combination of fundamental and cyclical analysis along with modern portfolio theory, offering services such as ERISA-focused pension consulting not commonly found in single-advisor firms.

Njideka Obijiaku is a financial advisor with Shifting the Culture Wealth Partners LLC in Los Angeles, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. Her prior roles include positions at Centric Capital Advisors, AFlac, Akokwa American Development Association, Primerica Advisors, and Pfs Investments Inc. Although currently a licensed insurance agent, she does not sell insurance products. Shifting the Culture Wealth Partners LLC is a fee-only advisory firm serving individual clients with financial planning and portfolio management services. The firm emphasizes passive investment management using index mutual funds and ETFs, while also incorporating fundamental and technical analysis, and offers a range of engagement options including hourly consultations and ongoing planning.

Randall Rubin is a financial advisor at Decca Private Wealth Management, Inc. with 13 years of industry experience. He holds Series 65 and Series 63 designations and has worked at firms including Barnes & Company Investment Counsel, LLC and Britehorn Securities. Rubin is also involved with Umergence LLC, an investment-related business he dedicates a significant portion of his time to. Decca Private Wealth Management serves individual and high-net-worth clients, offering discretionary and non-discretionary portfolio management, retirement plan services, and managed “held-away” accounts. The firm employs conventional portfolio-construction techniques and may use independent sub-advisors, combining personalized client management with strategies such as options and margin where appropriate.

Joshua Garcia is a CFP® professional with 15 years of experience in financial advising. He is currently with Veritas Financial Consulting LLC, where he has worked since 2021, following nine years at Garrett Investment Advisors, LLC. In addition to his advisory role, he provides independent tax preparation services during tax season. Veritas Financial Consulting offers investment management and financial planning primarily to individual and high-net-worth clients. The firm employs a combination of passive and active investment strategies guided by Modern Portfolio Theory and provides services including retirement, estate, tax planning, and risk management.

Scott Hofman is a financial advisor at Ratio Capital with 20 years of industry experience. He holds a Series 66 designation and has worked at Ratio Financial Holdings since 2019, following four years at Unionbanc Investment Services. Ratio Capital provides discretionary portfolio management primarily to individual and high-net-worth clients, as well as charitable organizations. The firm integrates general financial planning topics into client engagements and typically allocates active management to third-party Sub-Advisers, using a rebalancing approach supported by a turnkey asset management platform.

Esteban Di Masi is a ChFC® credentialed financial advisor with one year of industry experience, currently serving as the sole advisor at Atorie Advisors, LLC. Prior to this role, he worked at William Morris Endeavor for three years. He also manages a business-management and multifamily office firm specializing in services for entertainers, executives, and high-net-worth individuals. Atorie Advisors provides ongoing portfolio management primarily for individual and high-net-worth clients, tailoring investment programs to documented goals, time horizons, and risk tolerance. The firm employs a range of analysis methods and investment instruments while managing held-away retirement and education accounts through a third-party platform and supports client-imposed investment restrictions.

Chris Varjabedian is an advisor at Lake Avenue Financial LLC with one year of experience in the financial industry. He is also the President and CEO of VAR Accounting Group, an accounting firm based in Woodland Hills, CA, where he has worked since 2018. Prior to joining Lake Avenue Financial, he held positions at Pomerantz, Kavinoky & Co., Hcvt, and SingerLewak. Lake Avenue Financial LLC serves individual clients, including both high-net-worth and non-high-net-worth individuals, as well as brokerage customers and financial institutions. The firm offers customized asset allocation and model-based portfolio construction, utilizing fundamental, technical, cyclical, and charting analysis, along with ongoing supervision and periodic rebalancing.

Anthony Nahra is a CFP® with over 31 years of industry experience. He has been with The Sterling Group since 2006 and Sterling Group Wealth Management, LLC since 2012. Nahra also serves as a co-trustee and attorney-in-fact for his father’s living trust. The Sterling Group is a team-based advisory firm serving individuals, trusts, estates, retirement plans, and business entities. The firm offers discretionary asset management and financial planning, emphasizing customized asset allocation, diversification, and periodic rebalancing tailored to each client’s goals and risk tolerance.

Georgene Grattan is the President and CEO of Grattan Financial Strategies, Inc. with 42 years of experience in the financial industry. She holds a Series 63 designation and has worked at BB Graham & Co, Grattan Financial Securities, Inc., Grattan Financial Strategies, Inc., and The Northwestern Mutual Life Insurance Company. Outside of finance, Georgene is a 50% shareholder in Grattan Enterprises, Inc., a food company producing chocolates, pastries, jams, and jellies, and she owns Gigi's Fine Chocolates as a chef and chocolatier. Grattan Financial Strategies provides investment advisory and financial planning services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm offers tailored portfolio management and consulting services, managing both discretionary and non-discretionary accounts with a focus on fundamental and technical analysis across various asset classes.

Kevin Cifuentes is a CFP® and Series 65 licensed advisor with five years of industry experience. He has been with Veritas Financial Consulting LLC since 2021 and previously worked at Chase Bank and California State Polytechnic University. Veritas Financial Consulting LLC serves individual and high-net-worth clients with tailored investment management and financial planning services. The firm employs a mix of passive and active ETFs and mutual funds based on modern portfolio theory and fundamental, technical, and cyclical analysis, managing about $86 million in assets for roughly 68 clients.

Jason Torrey Payne is the principal advisor and owner of Torrey-Payne Wealth Management, an independent SEC-registered advisory firm based in Pasadena, CA. He holds Series 63 and Series 65 licenses and has 28 years of industry experience, including over two decades at Los Angeles Firemen's Credit Union. His prior roles also include positions at Raymond James & Associates and The Leaders Group Inc. Torrey-Payne Wealth Management serves affluent individuals, family offices, and institutional clients, providing investment management, financial planning, and retirement-plan advisory services. The firm offers both discretionary and non-discretionary portfolio management, utilizing ETFs, mutual funds, and individual securities guided by fundamental and cyclical analysis.

Donald Kim is a financial advisor at Positive Delta Asset Management LLC with 15 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Gemstone, a consulting service company for small businesses, where he serves as principal. Positive Delta Asset Management LLC provides separately managed account services to individual and institutional clients, offering a Global Alpha multi-asset ETF portfolio and customized portfolio management. The firm manages approximately $28.8 million on a discretionary basis and uses quantitative models and value-at-risk monitoring to manage exposure across various asset classes.

Claire Cheng is an advisor at ValueTech Private Advisors with one year of industry experience. She is also the owner and CEO of C&Z Accounting Corp, an accounting services firm where she supervises operations. ValueTech Private Advisors is a small independent firm serving individual and business clients with customized financial planning and portfolio management. The firm emphasizes a value-oriented, active management approach with a focus on the technology sector and incorporates elements of Modern Portfolio Theory.

Jaylene Pysnik is a financial advisor with Pysnik Financial, LLC in Pasadena, CA, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. Her prior roles include positions at Independent Financial Group and Lee Pysnik, CPA. She also provides notary services and offers insurance products as a licensed California insurance agent. Pysnik Financial serves individual and high-net-worth clients, trusts, estates, charitable organizations, and business entities, offering non-discretionary asset management, financial planning, and third-party manager oversight. The firm emphasizes tailored, goal-based asset allocation and operates without discretionary trading authority, requiring client approval for trades.

Lawrence Russell is the principal advisor at Lawrence Russell and Company in Pasadena, CA, holding a Series 65 designation with 21 years of industry experience. Since founding the firm in 2004, he has also developed and licensed the VeriPlan lifetime financial planning software and authored financial articles and ebooks available online. His work extends beyond advisory services into financial education through digital content and software development. Lawrence Russell and Company offers fee-only financial and investment planning services primarily to individuals and families who are not high-net-worth clients. The firm focuses on lifetime financial planning and investment strategies utilizing low-cost, diversified, passive funds, emphasizing client education and self-implementation without taking custody of assets.

Suzanne Muniz is a CFP® professional with 12 years of industry experience, currently an advisor at AIS Asset Management. She previously worked at City National Bank for nine years and is the owner of Ms. Fiscal, a financial coaching business focused on teaching women how to manage their finances. AIS Asset Management is a small registered investment adviser serving individuals, high-net-worth clients, trusts, estates, pension plans, and small businesses. The firm offers discretionary portfolio management with two service tiers, using fundamental analysis and tailored asset-allocation strategies that may include derivatives within a structured risk framework.

Channing Lushbough is a financial advisor at Round Hill Asset Management Inc with 26 years of industry experience. He holds a Series 65 credential and has been with Round Hill since 1986. Round Hill Asset Management provides discretionary portfolio management to individuals, trusts, pension plans, and a private fund, overseeing approximately $273 million in client assets. The firm employs a value-oriented investment approach focused on intrinsic value and margin of safety, primarily investing in undervalued stocks while using bonds and opportunistic strategies such as options and arbitrage.

Doron Kochavi is a financial advisor at Carnegie Wealth Management LLC with 44 years of industry experience. He holds a Series 63 designation and previously worked at Western International Securities, Inc. for nine years. Outside of advising, he is involved in non-investment activities including roles as a member and co-general partner in Individual Public Storage and ownership interests in rental property entities. Carnegie Wealth Management is a state-registered advisory firm serving individual and high-net-worth clients with customized asset and portfolio management. The firm manages client accounts primarily on a non-discretionary basis, using a combination of fundamental, technical, quantitative, and sector analyses across equity and fixed-income strategies.

Aaron Munoz is a CFP® with 13 years of experience in the financial services industry. He has been with Cerda Munoz Advisors, Inc. and Cerda Wealth Management since 2013. In addition to his advisory role, he prepares individual income tax returns for clients. Cerda Munoz Advisors, Inc. provides portfolio management and financial planning services to individuals, trusts, and business entities, combining investment management with in-house tax preparation, accounting, and licensed insurance product implementation.