Forrest Leichtberg is the principal of Forrest Michael Leichtberg, an independent investment advisory firm based in Carpinteria, California. He holds a Series 65 designation and has experience in nonprofit leadership roles dating back to 2015, including positions with The Consciousness Network and The Freedom to Choose Project. Forrest Michael Leichtberg provides financial planning and non-discretionary investment advisory services to institutional clients such as nonprofits, foundations, and small businesses, as well as individual clients. The firm employs a long-term, goals-based investment approach focused on passive, diversified portfolios using ETFs and mutual funds, with distinct service options including subscription-style planning and educational workshops.

Robert Russell III is a financial advisor with Qmulate in Ojai, CA, holding Series 65 and Series 63 licenses and seven years of industry experience. His work history includes roles at Walrus Global, LLC, Greyfox Investors LLC, and Lynda.com. Qmulate serves individual and high-net-worth clients, small businesses, and retirement plan sponsors by providing financial planning, coaching, investment consultation, portfolio management, and educational workshops. The firm emphasizes a diversified, buy-and-hold investment approach using a mix of mutual funds, ETFs, equities, and fixed-income instruments, delivering portfolio management primarily on a non-discretionary basis.

James Coleman is a financial advisor at Mutual Advisors, LLC with 41 years of industry experience. He has held roles at Mutual Advisors since 2013, previously working at Mutual Securities, Inc. and Citigroup Global Markets. He holds the Series 63 designation and is based in Ojai, California. Mutual Advisors serves a broad client base, including individual investors, trusts, retirement plans, and institutional clients. The firm employs a blend of active and passive investment strategies with multiple analytical approaches to tailor portfolios according to each client’s objectives.

Thomas Walker is a financial advisor at Earned Wealth Advisors, LLC with 16 years of industry experience. He holds a Series 66 designation and has previously worked at Empower Advisory Group, LLC, Personal Capital Advisors Corporation, and Fisher Investments. Earned Wealth Advisors serves individuals, high-net-worth clients, trusts, and employer-sponsored retirement plans, with a focus on doctors, dentists, and their practices. The firm employs a diversified, buy-and-hold investment approach supported by third-party consultants and an internal committee, offering financial planning, discretionary wealth management, and retirement-plan advisory services.

Zahid Sadiq is a financial advisor at Mutual Advisors, LLC with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Mutual Advisors since 2013, with prior experience at Mercer Global Advisors Inc. He is also involved in real estate ownership alongside his wife. Mutual Advisors serves a diverse client base, including individual investors, trusts, estates, retirement plans, and institutional clients, using a combination of active and passive investment strategies tailored through various analytical approaches and technology platforms.

Scott Morris is a financial advisor with Planmember Securities Corporation in Carpinteria, CA, holding a Series 63 credential and 31 years of industry experience. He has been with Planmember since 2008 and is also involved with Afortus Financial Insurance Services and Prosol SRM, LLC, both of which focus on insurance services and fixed annuity sales. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through asset allocation portfolios. The firm’s investment process emphasizes strategic asset allocation and risk-based mutual fund portfolios, supported by education and support services for plan sponsors and participants.

Charles Riharb is a financial advisor with PlanMember Securities Corporation, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. He has been with PlanMember since 2013 and concurrently associated with Irm Distributors, Inc. since 1990. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary and offering participant-level investment options through its proprietary asset allocation portfolios. The firm employs a top-down strategic asset allocation approach, managing unitized, risk-based mutual fund portfolios and delivering education, support, and personalized retirement planning services.

Gregory Garbeff is a financial advisor with PlanMember Securities Corporation in Carpinteria, CA, holding Series 65 and Series 63 licenses and possessing 21 years of industry experience. He has held roles at multiple firms, including Forrest T. Jones & Co., Inc., where he serves as an agent and business development manager. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, functioning as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation framework and manages unitized, risk-based mutual fund portfolios, offering educational and support services to plan sponsors and participants.

Margaret Marapao is a CFP®-credentialed financial advisor with 11 years of industry experience. She is currently with Commonwealth Financial Network and is the owner of SagePointe Wealth Management, LLC. Her prior roles include positions at Integrity Wealth Advisors, Inc., LPL Financial LLC, Securities America, Inc., Derby & Derby, Inc., and Pacific Global Investment Management Company. Commonwealth Financial Network is a national dual-registered broker/dealer and SEC-registered investment adviser that supports approximately 2,900 affiliated advisors and manages around $213 billion in client assets. The firm provides a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Jacob Nash is a financial advisor with Planmember Securities Corporation, holding a Series 63 designation and bringing 38 years of industry experience. He has worked with multiple firms throughout his career, including Northern Life, United Presidential Life, and John Alden Life. Nash is also involved in other business activities, including retirement planning and college preparation consulting. Planmember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as a fiduciary under ERISA Section 3(38) for many plans. The firm employs a top-down strategic asset allocation process and manages risk-based mutual fund portfolios, offering educational and support services to plan sponsors and participants.

Faith Ann Jenkins is a financial advisor with Planmember Securities Corporation in Carpinteria, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. She has been with Planmember since 2013. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach and manages unitized, risk-based mutual-fund portfolios, also delivering education and support services such as seminars and personalized retirement planning.

Donald Bennett is a financial advisor with Planmember Securities Corporation, holding a Series 63 license and bringing 31 years of industry experience. He has held leadership roles in multiple business entities related to structured settlement products, pharmacy benefit administration, and fixed income investments, including serving as CEO of Platinum Insurance Marketing and President of HealthMed Solutions, Inc. Bennett is based in Carpinteria, CA. PlanMember Securities Corporation provides retirement-plan advisory services to employers and participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios ranging from conservative to aggressive, while also offering education, personalized planning, and support services to plan sponsors and participants.

Peter Sharpe is a financial advisor with PlanMember Securities Corporation in Carpinteria, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with PlanMember since 2006 and has been self-employed since 2002. Outside of advising, he performs with local bands and owns a retail drum sales business. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its PlanMember Asset Allocation Portfolios. The firm’s investment approach is based on a top-down strategic asset allocation framework and management of risk-based mutual fund portfolios ranging from conservative to aggressive.

Spencer Crithfield is a Series 65-licensed financial advisor at PlanMember Securities Corporation with one year of industry experience. His prior work includes roles at Central Plateau Cleanup Company, Prime Lending, and several educational institutions. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, focusing on strategic asset allocation and risk-based mutual fund portfolios. The firm offers education, support services, and fiduciary management for retirement plans.

Terrall Janeway is a financial advisor with PlanMember Securities Corporation, holding a Series 63 license and 28 years of industry experience. He has been with PlanMember Securities since 1998. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its asset allocation portfolios. The firm uses a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios, while also providing education and support services to plan sponsors and participants.

Ralph Hemphill is a financial advisor at PlanMember Securities Corporation with a Series 66 credential and one year of industry experience. His prior work includes various roles at the University of California Santa Barbara and other educational and coaching positions. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its PlanMember Asset Allocation Portfolios. The firm uses a top-down strategic asset allocation framework combined with risk-based mutual fund portfolios and delivers education, support services, and personalized retirement planning to plan sponsors and participants.

Patrick Lynn is a financial advisor with Planmember Securities Corporation in Carpinteria, CA. He holds Series 63 and Series 65 licenses and has 27 years of experience in the industry, including 23 years with Planmember Securities. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its PlanMember Asset Allocation Portfolios. The firm uses a top-down strategic asset allocation framework and manages risk-based mutual fund portfolios with periodic rebalancing, while also delivering education and support services to plan sponsors and participants.

Janine Northway is a financial advisor with Planmember Securities Corporation in Carpinteria, CA. She holds Series 63 and Series 65 licenses and has eight years of industry experience. Outside of her advisory role, she works in event security at the Santa Barbara Bowl through Miller Event Management. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a strategic asset allocation framework and manages risk-based mutual fund portfolios, while also offering education and support services to plan sponsors and participants.

Kevin Twohy is a financial advisor at Planmember Securities Corporation with 26 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Planmember since 2003. Outside of his advisory role, he is involved in marriage education and relationship workshops through businesses he founded and leads. Planmember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach and manages unitized, risk-based mutual fund portfolios ranging from conservative to aggressive.

Steven Hanson is a Series 65 licensed financial advisor with 17 years of industry experience. He has been with PlanMember Securities Corporation since 1995. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm focuses on a strategic asset allocation framework and manages risk-based mutual fund portfolios, while offering education and support services to plan sponsors and participants.