Terrence Gustafson is a CFP® with over 22 years at Gustafson Financial Solutions and five years of industry experience. He holds the Series 63 designation and operates his independent firm in Oceanside, CA. Gustafson also prepares client tax returns as an Enrolled Agent. Gustafson Financial Solutions provides fee-only financial planning and tax services to individuals, pension and profit-sharing plans, trusts, estates, and charitable organizations. The firm emphasizes quantitative screening of mutual funds and ETFs, asset allocation, diversification, and low-expense investments while focusing significantly on tax preparation and broader financial planning.

Scott Weber is a financial advisor at WealthLynk, Inc. with 20 years of industry experience. He holds a Series 66 designation and has worked previously at J.P. Morgan Securities and Tollminder. Weber is also an independent insurance agent. WealthLynk serves individual and high-net-worth clients, providing ongoing portfolio management and financial planning without additional fees. The firm follows a non-discretionary investment model, combining charting, fundamental analysis, and modern portfolio theory with quarterly reviews tailored to client risk tolerance and asset allocation.

Gary Miller is a CFP® professional with 14 years of industry experience, currently practicing at Trusted Financial Advisors in Laguna Niguel, CA. He has been with Trusted Financial Advisors since 2002 and also worked at Noble Wealth Management, Inc. since 2016. Trusted Financial Advisors is an independent firm serving primarily individuals and families, managing about $61 million in assets across roughly 46 client relationships. The firm provides fee-only financial planning and discretionary portfolio management, using a bottom-up fundamental investment approach with a variety of liquid securities and occasional use of unaffiliated sub-advisers.

Clark Wilson is an advisor at Wilson, Clark Allen with Series 63 and Series 66 licenses and five years of industry experience. He has worked at R. W. Towt & Associates since 2009 and has been involved with Clarke Wilson Capital Management since 2002. Outside of his advisory role, he is also a mortgage loan originator. Wilson, Clark Allen serves institutional clients, 401(k) plan sponsors, investment companies, and pension vehicles, offering portfolio management, 401(k) management, stock and ETF selection, option strategies, and subscription-based data and mobile app services. The firm employs an active, CAN SLIM–based investment approach with discretionary trading, market timing, stop-loss rules, and various option strategies, supported by proprietary algorithmic allocation systems delivered through subscription and app platforms.

Brad Reinard is the sole advisor at QTR Capital Management LLC, an independent firm based in Oceanside, CA. He holds a Series 65 designation and has six years of industry experience. Brad is also an adjunct professor of Management Science at Chapman University and serves as Chief Publisher of an investment newsletter through MCTO Capital Management LLC DBA Upside Options. QTR Capital Management provides discretionary portfolio management primarily for high-net-worth individuals, offering a range of single-strategy portfolios that include equity, sector rotation, options-based income, and dividend-focused strategies. The firm employs a research-intensive process combining technical, fundamental, and quantitative analysis, utilizing both traditional and options-based positions within client guidelines.

Rick Alvarado is a CFP®-designated financial advisor with 36 years of industry experience. He has been with Wealth One Advisors since 2000 and has a prior affiliation with LPL Financial dating back to 1993. Rick is based in Fallbrook, CA, and holds the Series 63 license. Wealth One Advisors provides financial planning and consulting services to individuals, high-net-worth households, trusts, estates, and certain pension or profit-sharing plans, with a focus on retirement, estate, and protection planning. The firm offers written plans and consulting engagements without managing client assets, using both fundamental and technical analysis to tailor investment strategies that emphasize long-term asset allocation and periodic rebalancing.

Francis Edsall III is a financial advisor at 10/28 Wealth Management LLC with 25 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. His prior experience includes roles at Presidio Capital Management, Virtus Investment Advisers, VP Distributors, and Virtus Fund Advisers. 10/28 Wealth Management is a fee-only registered investment adviser serving individuals and high-net-worth clients with investment management and financial planning services. The firm uses asset-allocation frameworks grounded in modern portfolio theory, combining passive and active strategies, and offers both ongoing and project-based financial planning through a secure portal.

Darren Schuringa is a CFA® charterholder and the sole advisor at Yorkville Capital Management LLC, where he has worked since 2006. He has 20 years of industry experience. Yorkville Capital Management provides discretionary portfolio management and investment supervisory services to high-net-worth individuals and various institutional and household accounts. The firm employs proprietary risk models and asset-allocation algorithms, tactical hedging, and short selling as part of its risk-management strategy.

Christine Turnbull is a financial advisor and principal of 401K Assist, LLC with 22 years of industry experience. She holds the Series 63 and Series 65 designations and has led her independent firm since 2016. In addition to her advisory role, she works as an independent insurance agent, selling life, accident and health, and variable contracts. 401K Assist, LLC serves a small client base including high-net-worth individuals, retirement plans, corporations, charities, and other business entities. The firm offers financial planning, portfolio management, and retirement plan consulting with a focus on individualized asset allocation using mutual funds and periodic rebalancing, relying on third-party advisers and custodians for investment management.

Elizabeth Schell is a financial advisor at Creative Financial Advisor Group LLC with four years of industry experience. She holds a Series 65 credential and operates an independent advisory firm based in San Clemente, CA. In addition to her advisory role, she is a licensed insurance professional, dedicating less than 10% of her business time to this activity. Creative Financial Advisor Group LLC is a newly formed registered investment adviser that offers wealth management, investment management, and financial planning services to individuals, high-net-worth clients, trusts, estates, and businesses. The firm provides discretionary, customized portfolios primarily using low-cost mutual funds and ETFs, combines fundamental and technical analysis, maintains a long-term investment orientation, and operates under a written fiduciary standard and code of ethics.

Bryan Chin is the sole advisor at BK Chin, an independent registered investment adviser based in Laguna Niguel, California. He holds Series 63 and 65 licenses and has 29 years of industry experience, having led Bryan K. Chin & Co. since 1997. Outside of his advisory work, he serves as an independent contractor salesperson with Chunha Insurance Agency, recommending non-investment insurance products to clients. BK Chin offers a single equity platform, Managed Equity Portfolios, providing separately managed, tailored equity portfolio management focused on long-term capital growth. The firm serves individual investors meeting a $20,000 minimum as well as corporate pension and profit-sharing plans, employing a growth and value-oriented equity selection process with primarily non-discretionary account management.

Chano Arellano is a financial advisor at Building Equities, LLC with 35 years of industry experience. He holds Series 63 and Series 66 licenses and has worked independently since 1995, with prior roles at Calton & Associates, Inc. and Whitney Kuhn, LLC. Outside of advisory work, he operates as a licensed insurance agent and serves as an independent contractor for Redfin, assisting with home showings. Building Equities LLC provides portfolio management and investment advisory services primarily to individual clients, utilizing standard instruments such as mutual funds, equities, fixed income, and ETFs. The firm employs both charting and fundamental analysis, engaging in various trading strategies including long- and short-term trading, margin transactions, and options.

Eric Haney is the sole advisor at Haney Capital Management in Dana Point, CA, holding a Series 65 designation with 12 years of industry experience. Prior to founding his firm in 2013, he worked at The Boeing Company from 2002 to 2017. Haney Capital Management provides investment advisory services to individual clients without imposing a minimum account size. The firm employs fundamental analysis as the primary driver of investment decisions and offers both discretionary and non-discretionary portfolio management tailored to clients’ objectives and risk tolerance.

Gary Psotka is the sole advisor at Service One Financial in San Juan Capistrano, CA, holding a Series 63 license with 28 years of industry experience. He has been with Service One Financial and its related entities since 2003, with additional roles in insurance sales and mortgage brokerage. Outside of investment advising, he is also a licensed real estate broker and insurance agent. Service One Financial provides investment advisory and financial planning services to individuals, institutional retirement plans, trusts, estates, charitable organizations, and business entities. The firm delivers primarily non-discretionary, custom-tailored advice and offers portfolio management, pension consulting, and 401(k) plan services, with investment recommendations spanning stocks, ETFs, mutual funds, hedge funds, private equity, and managed futures.

Kelley Wright is a financial advisor with IQ Trends Private Client Asset Management, holding a Series 63 designation and 27 years of industry experience. Wright has operated Kelley Wright & Co., Inc. since 1998. In addition to advisory work, Wright serves as managing editor of Investment Quality Trends, an investment newsletter providing research and recommendations on high-quality, dividend-paying stocks. IQ Trends Private Client Asset Management offers discretionary and non-discretionary investment advisory services primarily to individual and high-net-worth clients, including retirement and ERISA plan arrangements. The firm’s investment approach centers on a proprietary Dividend Yield Strategy focused on dividend-paying Select Blue Chip stocks, supported by in-house research from its newsletter and automated portfolio management.

Thomas Seaman is the sole advisor at Thomas Seaman Company in Laguna Beach, CA, holding the CFA® designation along with Series 63 and Series 65 licenses. He has 26 years of industry experience and has led his firm since 1996. In addition to investment advisory services, he serves as a court-appointed receiver managing assets involved in litigation. Thomas Seaman Company provides discretionary portfolio management to individual and high-net-worth clients, including families and trusts. The firm combines passive ETFs with selective value-oriented active equity and fixed income investments, tailoring strategies to client objectives, risk tolerance, and tax considerations, and occasionally employs margin and derivatives within separately managed accounts.

Charles Dzama is the sole advisor at CDFinancial, an independent firm where he has worked since 2012. He holds a Series 65 designation and has 14 years of industry experience. In addition to his advisory role, he operates a life insurance agency as a separate business. CDFinancial provides discretionary asset management along with financial planning and consulting services primarily to individual clients. The firm manages approximately $99.7 million in client assets and serves over 250 clients, employing a mix of investment strategies tailored to each client’s goals and risk tolerance.

Scott Monroe is a CFP® and CFA® with 21 years of experience in the financial services industry. He is the sole advisor at 8020 Capital Management, an independent firm he joined in 2026. Prior to this, Monroe worked for Towneley Capital Management and TD Waterhouse Investor Services. 8020 Capital Management is a fee-only advisory firm specializing in wealth management and discretionary portfolio management for individuals and high-net-worth clients. The firm employs an asset-allocation approach combining passive and active strategies and offers both ongoing and project-based financial planning services.

Duff Mayer is the sole advisor at All Weather Portfolio Management, Inc. in San Clemente, CA, with 21 years at his current firm and 11 years of industry experience. He also owns and manages Financial Planning Group, LLC, an income tax preparation business serving approximately 250 clients. All Weather Portfolio Management, Inc. provides financial planning, investment management, and tax-return analysis for individuals, trusts, retirement accounts, and pension plans. The firm employs a primarily passive investment approach using diversified portfolios and conducts annual or semi-annual rebalancing while utilizing Schwab Institutional’s trading and custody services.

Tommy Wadsworth is a Series 65-licensed financial advisor with three years of industry experience. He operates Safe Harbor Assets, an independent registered investment adviser based in Fallbrook, CA. Prior to founding Safe Harbor Assets, Wadsworth worked at Voice by the Sea Inc. for over a decade. Safe Harbor Assets serves individuals, high-net-worth clients, and business entities by offering discretionary and non-discretionary asset management along with financial planning and consulting. The firm tailors portfolios to client goals and risk tolerance using various analysis methods and investment strategies, and it does not impose a minimum account size.