Jennifer Turner is a financial advisor with Retirement Wealth Group, Inc. in Redlands, CA, holding a Series 63 designation and bringing 33 years of industry experience. She has worked at Retirement Wealth Group and LPL Financial Corp since 2009. Her business activities include providing fixed annuities and group health and long-term care insurance. Retirement Wealth Group, Inc. offers financial planning and consulting services to individuals, including trusts, estates, and retirement accounts. The firm uses both fundamental and technical analysis and employs Modern Portfolio Theory in portfolio construction, providing planning and implementation on hourly or fixed-fee bases rather than charging based on assets under management.

Allen Drake is the sole advisor at Royale Investment Advisor LLC, an independent firm based in Lake Mathews, CA. He holds Series 63 and Series 65 licenses and has 19 years of industry experience. Prior to founding Royale in 2006, he has worked at UPS since 1988. In addition to advisory services, he sells life, health, and disability insurance to support clients' financial plans. Royale Investment Advisor LLC provides asset management, financial planning, and consulting services primarily to individual and high-net-worth clients. The firm employs a long-term buy-and-hold investment approach while maintaining flexibility for shorter-term trades and manages most assets on a non-discretionary basis, requiring client approval for transactions.

Scott Gutman is the sole advisor at Gutman Financial Planning LLC in Loma Linda, CA. He holds a Series 65 designation and has one year of industry experience. Prior to founding his firm, he worked in various roles at the Fontana Unified School District, including as an Information Exchange Specialist responsible for IT data management and Medi-Cal billing. Gutman Financial Planning LLC is a fee-only, state-registered advisory firm that provides financial planning and investment advisory services primarily to individuals and families. The firm employs a long-term, buy-and-hold investment approach emphasizing asset allocation and diversification, often recommending low-cost index funds and conducting educational workshops.

Hubert Frederick is a financial advisor at New Talents Financial Services Inc and holds a Series 65 designation. He has one year of advisory experience, previously working in an investment club and spending 17 years at ADP. New Talents Financial Services is a family-owned, independent registered investment adviser that provides discretionary portfolio management and financial planning focused on portfolio-related matters for individuals, high-net-worth clients, and family trusts. The firm emphasizes diversified, long-term investment strategies with low trading frequency, uses third-party custodians, and offers a performance-based fee option for qualified clients.

Eric Aragon is a financial advisor with Aragon Advisors in Corona, CA, holding a Series 65 designation and four years of industry experience. He has worked at Cambridge Investment Research Advisors and operates an accounting firm, Aragon Accounting Corp, where he is the founder and a CPA. In addition to his advisory work, he is active in accounting services. Aragon Advisors serves individuals, high-net-worth clients, business owners, and entities, providing investment advisory and financial planning services, including retirement-plan consulting. The firm integrates investment advice with affiliated accounting and insurance services, managing most assets on a non-discretionary basis and emphasizing ERISA 3(21) fiduciary support for plan sponsors.

Jeremy Lindsey is a financial advisor with Clarity Advisors Group, Inc. in Redlands, CA, holding a Series 65 license and 11 years of industry experience. He founded and owns Clarity Tax Advisors, Inc., which provides tax preparation, planning, bookkeeping, and consulting services. Lindsey also sells life insurance and annuity products as a separate business activity. Clarity Advisors Group, Inc. offers fee-based comprehensive financial planning and investment advisory services primarily to business owners and individual clients. The firm emphasizes holistic financial planning and manages client assets on a non-discretionary basis using mutual funds, ETFs, indexed annuities, and separate account managers.

Thomas Podgorski is a financial advisor at CAtrs Teachers Retirement Services LLC in Riverside, CA, holding Series 63 and Series 65 credentials with seven years of industry experience. He has worked at CAtrs Teachers Retirement Services since 2018 and previously spent 14 years with the Riverside Unified School District. CAtrs Teachers Retirement Services LLC provides financial planning and consulting primarily to educators and related professionals, focusing on investment planning, retirement, insurance, college, and debt/credit planning. The firm uses a structured analytical approach including cyclical and fundamental analysis and modern portfolio theory, offering tailored plans without managing client portfolios or accepting commissions.

Ryan Purdie is the principal of Creative Planning Solutions, Inc., an independent advisory firm based in Grand Terrace, CA. He holds a Series 65 designation and has 12 years of industry experience. Mr. Purdie is also the owner of two other investment advisory firms, Fortitude Advisors and Accounting Inc. Creative Planning Solutions provides comprehensive financial and business planning primarily for ultra-high-net-worth families, trusts, estates, and business entities. The firm focuses on multi-generational and business-owner planning and refers clients to third-party investment managers rather than managing assets directly.

John Weyhgandt is a financial advisor at Western States Investments in Corona, CA, holding a Series 65 designation with 12 years of industry experience. He has been associated with Western States Wealth Management since 2014 and Western States Financial since 1994. In addition to his advisory role, he is a licensed independent insurance agent and is authorized to sell Medicare Advantage and supplemental insurance plans. Western States Investments provides advisory services primarily through recommending and monitoring independent third-party investment managers for individuals, trusts, estates, charitable organizations, and business entities. The firm focuses on asset allocation and Modern Portfolio Theory, delivering non-discretionary management and qualified retirement plan consulting to its clients.

Cristopher Cuevas is a financial advisor at Bright Legacy LLC with six years of industry experience. He holds a Series 66 designation and has worked at firms including Morgan Stanley and Raymond James. Outside of advising, he serves as president and loan originator at Golden Springs View d/b/a True Prime Mortgage and consults on business cloud solutions through Cloud Partners. Bright Legacy LLC is a small advisory firm serving individuals, trusts, estates, businesses, and retirement plans. The firm provides discretionary investment management and integrated financial planning with a customized, long-term, value-oriented approach, incorporating fundamental and technical analysis.

David Young is a CFA® charterholder with nine years of experience in the financial industry. He is the sole advisor at Ambrosia Herb Tea, LLC, where he has worked since 2014. In addition to his advisory role, he has been employed full-time at Sunrider International since 2005. Ambrosia Herb Tea, LLC provides discretionary portfolio management to individuals, high-net-worth clients, and institutions through a single systematic, rule-based "risk premium" strategy focused on S&P 500 index options. The firm offers performance-based compensation for qualified clients and applies a uniform investment approach across accounts, emphasizing low correlation to other asset classes without relying on market forecasting.

Cecelia Fairfax is a financial advisor at C Financial and Tax Associates with 41 years of industry experience. She holds the CFP® designation along with Series 63 and Series 65 licenses. Her career includes roles at Innovation Partners LLC since 2016 and Tax & Insurance Services Incorporated since 1989, where she also owns and prepares tax returns and sells insurance products. C Financial and Tax Associates is an independent registered investment adviser serving a diverse client base including individuals, trusts, retirement plans, charitable organizations, and small businesses. The firm operates on a non-discretionary basis, recommending asset allocations and third-party managers while providing comprehensive financial planning, tax preparation, and insurance services.

Mark Billes is a financial advisor with Retirement Investment Advisors Inc. in Corona, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. He has worked at multiple firms including Horter Investment Management and has operated Safe and Secure Retirement and Insurance Services, where he serves as president. Outside of advisory work, he is involved in life insurance, annuities, and long-term care insurance sales. Retirement Investment Advisors Inc. is an independent firm serving individuals and business entities through financial planning and advisory services. The firm refers clients to third-party money managers, assists with onboarding and paperwork, and monitors manager performance while providing educational seminars and workshops to the public at no charge.

Eric La Nier is a financial advisor at Higher Impact Financial, LLC in Riverside, California, with seven years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones and Wealthtech Partners LLC. In addition to his advisory role, he is an online securities instructor, teaching courses such as the SIE, Series 7, and Series 66 exams. Higher Impact Financial serves individual and high-net-worth clients, offering discretionary and non-discretionary portfolio management alongside financial planning and consulting. The firm employs a range of strategies tailored to client objectives, including tax planning and retirement-plan consulting, and utilizes qualified custodians and third-party managers in its implementation.

Jeremie McKee is a financial advisor with Stonebridge Asset Management LLC, holding Series 63 and Series 66 credentials and 19 years of industry experience. He previously worked at Springboard Capital Management, Inc. for 13 years before founding Stonebridge in 2017. In addition to his advisory role, McKee is a licensed insurance agent involved in insurance and annuity sales. Stonebridge Asset Management LLC is an independent, single-advisor firm providing discretionary portfolio management to individuals, trusts, estates, and business entities. The firm uses a blend of passive, fundamental, and active technical analysis strategies to manage portfolios tailored to client objectives and risk tolerances.

Page Khalajestani is the sole advisor at Pakha Investment Advisory in Redlands, CA, holding Series 63 and Series 66 licenses with 15 years of industry experience. He has led the firm since 2014. Outside of his advisory role, Khalajestani is also a painter and artist, dedicating time monthly to his art business. Pakha Investment Advisory provides fee-based investment advisory and financial planning services to individuals and pension and profit-sharing plans. The firm offers discretionary portfolio management with a tactical allocation approach, pension consulting, compliance support, a client newsletter, and educational retirement seminars.

David De Koekkoek is a Certified Financial Planner (CFP®) and Enrolled Agent (EA) with over 30 years of experience in financial planning and tax services. He operates an independent firm in Ontario, California, providing tax preparation, planning, consulting, and bookkeeping services alongside financial advisory. His professional activities include licensed insurance sales and property management. His firm primarily serves individual clients as well as trustees, estates, trusts, and charitable organizations, offering financial planning, investment advice, and fee-for-service tax and business services. The firm employs a long-term investment approach with fundamental security analysis and delivers non-discretionary advisory services, with most assets custodied at Schwab Institutional.

Michael Kedis is the founder of Affinity Asset Management in Chino, CA. He holds a Series 65 license and has two years of industry experience. Since 2011, he has also been involved with Cedars Express International Inc., a shipping services business. Affinity Asset Management provides financial planning and portfolio management services to individuals and small businesses through managed and guided plan options. The firm employs a macro-to-micro investment approach using both fundamental and technical analysis, considers private market opportunities, and operates without discretionary trading authority or receipt of commissions and performance-based fees.

Roy Bennett is a financial advisor with Smart Investments Advisory Incorporated in Redlands, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. His prior roles include positions at LPL Financial LLC, Western International Securities, Inc., and WBB Securities, LLC. Bennett also provides non-variable insurance services through Morgan Stanley/DW. Smart Investments Advisory Incorporated primarily serves individual clients, managing approximately $82 million across 210 accounts. The firm combines portfolio management with broker-dealer activities and insurance product sales, offering a range of services through a small team of three professionals.

James Heine is a financial advisor with Investment Counselors of Redlands LLC, holding a Series 66 designation and 24 years of industry experience. He has been with the firm since 2006. Investment Counselors of Redlands LLC provides discretionary investment management services to individuals, trusts, estates, retirement plan participants, charitable organizations, and businesses. The firm focuses on portfolio design, implementation, and monitoring, primarily using mutual funds, closed-end funds, and ETFs selected through fundamental analysis and third-party research, emphasizing long-term holdings with periodic rebalancing.