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.

Austin Todd is the sole advisor at Capital United Investments LLC in Yucaipa, CA, holding a Series 65 designation with five years of industry experience. He has operated as Austin Todd DBA Capital United since 2016, combining investment advisory services with mortgage brokerage and real estate investing activities. Capital United Investments LLC is an independent advisory firm serving individuals, trusts, corporations, and plan sponsors with fee-based portfolio management, financial planning, and qualified retirement plan consulting. The firm employs a tactical asset-allocation approach that incorporates fundamental, technical, and cyclical analysis and offers both discretionary and non-discretionary services.

Jeremy Lindsey is the principal advisor at Clarity Advisors Group, Inc. in Redlands, CA, holding a Series 65 license and bringing 12 years of industry experience. He also owns Clarity Tax Advisors, Inc., which provides tax preparation, planning, bookkeeping, and business consulting services. In addition, Lindsey operates a separate business selling life insurance and annuities. 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, incorporating cash flow, retirement, tax, estate, insurance, and business succession strategies, and manages client assets on a non-discretionary basis using mutual funds, ETFs, indexed annuities, and separate account managers.

Dean Parsons is a financial advisor with Global Diversified Investments in Yucaipa, CA. He holds Series 63 and Series 65 licenses and has 13 years of industry experience. Parsons has been with Global Diversified Investments since 2011. Global Diversified Investments provides financial planning and portfolio management services to individuals, high-net-worth clients, small businesses, and institutional clients. The firm operates primarily on a non-discretionary basis and employs a globally diversified, medium- to longer-term asset allocation strategy across multiple asset classes.

Michael Bosman is the principal of Bosman Wealth Management, LLC, an independent advisory firm based in Redlands, California, with 19 years of industry experience. He holds Series 63, 65, and 66 licenses and has a background that includes roles at LPL Financial and as an adjunct professor at the University of Redlands. Bosman also serves as a director of the Friends of the A.K. Smiley Public Library and is a managing member of Empire Management SoCal, a property management company. Bosman Wealth Management provides fee-based investment advisory services to individuals, including high-net-worth clients, and retirement plan sponsors. The firm employs a blend of fundamental and technical analysis to tailor investment programs and offers services such as ERISA 3(21) fiduciary support, pension consulting, and no-fee educational seminars.

William Lindsey is a financial advisor with Lindsey Financial, Inc. in Redlands, CA, holding Series 63 and Series 65 licenses and with 26 years of industry experience. He has led Lindsey Financial Group since 1998. Outside of his advisory role, Lindsey is involved in several business ventures including commercial farming through Miracle Acres Farm and operating mobile office rentals via Serenity Take Me Away LLC. Lindsey Financial, Inc. provides fee-based financial planning focused on individual and corporate clients, emphasizing tailored plans without managing investment accounts. The firm uses a structured five-step planning process and refers clients to third-party money managers for portfolio implementation.

Dan Hassey is the sole advisor at Dan Hassey Investment Advisory in Banning, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. He previously worked at McIntosh Capital Advisors, Inc. from 2015 to 2023 before founding his independent advisory firm. Dan Hassey Investment Advisory provides discretionary investment management services exclusively to individual clients, focusing on retirees and those nearing retirement. The firm emphasizes safety and income through portfolios primarily composed of dividend-paying stocks, ETFs, and mutual funds, and employs a combination of top-down economic analysis, bottom-up valuation, detailed dividend assessment, and option strategies to manage income and risk.

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.

Sterling Hirsch is a financial advisor with Open Water Advisory Partners, holding Series 63 and Series 66 designations and bringing 19 years of industry experience. His prior roles include positions at Collective VFO, Infinity Financial Services Advisory, First Allied Advisory Services, and Brookstone Capital Management. Outside of his advisory work, he is involved in educational training through the CPA Team (Elite Resource Team). Open Water Advisory Partners is a two-advisor firm that provides comprehensive financial planning and integrated wealth strategies to individuals, families, and business owners. The firm uses a customized, long-term investment approach combining fundamental, technical, and top-down analysis, and offers portfolio management alongside project-based and hourly financial planning services.

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.

Jose Adame Jr. is a financial advisor at Settlement Capital Advisors with Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at U.S. Bancorp Investments, Key Investment Services, JP Morgan and Chase, and America First Credit Union. Settlement Capital Advisors provides discretionary portfolio management and rollover advice to individuals, small businesses, non-ERISA retirement accounts, and trusts. The firm’s investment approach focuses on dividend-yielding equities and dollar-cost averaging across a limited set of asset types, managing accounts primarily on a discretionary basis with customization options for client restrictions and tax considerations.

Barrick Smart is a financial advisor with Smart Investments Advisory Incorporated, holding Series 63 and Series 65 credentials and nearly five decades of industry experience. He has worked at LPL Financial LLC, Western International Securities, Inc., and WBB Securities, LLC, and has been with Smart Investments Advisory since 1994. Outside of his advisory work, Smart serves on the board of Mountains Community Hospital. Smart Investments Advisory Incorporated primarily serves individual clients with portfolio management and advisory services. The firm manages approximately $82 million for about 210 clients and combines advisory services with broker-dealer activity and insurance product offerings.

Ensen Mason is the principal of Mason Financial Services in Redlands, CA, with 18 years of industry experience. He holds the CFA® designation and securities licenses Series 63 and Series 65. In addition to his role as a financial advisor, Mr. Mason has served as the Auditor-Controller/Treasurer/Tax Collector for San Bernardino County since 2019, overseeing financial operations and managing a $12 billion investment pool, and he serves as a trustee on the San Bernardino County Employees' Retirement Association Board. Mason Financial Services provides discretionary portfolio management and related advisory services primarily to individual and high-net-worth clients. The firm’s investment process incorporates fundamental, technical, and cyclical analysis, and benefits from Mr. Mason’s dual expertise as an active CPA and public-sector fiduciary.

Alicia Arciniega is a financial advisor at Smart Investments Advisory Incorporated with 18 years of industry experience. She holds a Series 66 designation and has worked at LPL Financial and Western International Securities, Inc., in addition to her long tenure at Smart Investments Advisory Incorporated. Smart Investments Advisory Incorporated provides discretionary investment advisory services to individuals, businesses, institutions, and non-profit organizations, primarily focusing on personal and retirement accounts. The firm constructs portfolios based on client objectives and risk tolerance using mutual funds, ETFs, individual securities, and fixed-income investments, typically arranging implementation and custody through third-party brokerage platforms.

James Cobb is a Certified Financial Planner® with 20 years of experience at Investment Counselors of Redlands LLC, where he has worked since 2006. He holds a Series 65 license and is based in Redlands, California. Outside of his advisory role, he serves as a classified substitute for the Redlands Unified School District and is an assistant coach for the Redlands High School mock trial team. Investment Counselors of Redlands LLC provides discretionary investment management to individuals, trusts, estates, retirement plans, charitable organizations, and businesses. The firm focuses on long-term holdings primarily using mutual funds, closed-end funds, and ETFs selected through fundamental analysis and third-party research, with tailored services including retirement projections and client-imposed restrictions.

Joel Hendriks is the sole advisor at Cedar Ridge Investment Management LLC in Redlands, CA, holding a Series 63 designation with one year of industry experience. He has been involved with Prospect Financial Solutions LLC since 2012, where he serves as CEO overseeing tax preparation and planning services. Additionally, he manages Prosect Payroll LLC, a payroll service bureau. Cedar Ridge Investment Management provides discretionary portfolio management and financial planning services to individuals, trusts, estates, and business entities. The firm employs a quantitative and fundamental investment process, manages both discretionary and non-discretionary accounts without accepting commissions, and maintains formal compliance controls.

Rachel Bubb is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with eight years of industry experience. She has worked at KWB Wealth since 2020 and LPL Financial since 2018. Outside of advisory work, she has experience as a farm hand at Eagle Hawk LLC. KWB Wealth is a team-based firm serving individuals, high net worth clients, trusts, pension plans, and corporate clients through discretionary asset management and financial planning. The firm uses a multi-method investment approach combining fundamental, technical, quantitative, cyclical, and qualitative analyses to manage portfolios on a discretionary basis.

Adele Canetti is a financial advisor at American Money Management, LLC with 20 years of industry experience. She holds the Series 66 designation and has been with American Money Management since 2008. Outside of her advisory work, she owns and operates Dollar Book Fair, a used bookstore in Buena Park, California. American Money Management provides discretionary portfolio management to individuals, pension plans, trusts, corporations, and other entities, offering tailored asset-allocation strategies managed by an investment committee. The firm integrates fundamental, cyclical, economic, and technical analysis, and includes alternative investments where appropriate.

Diana Sailler is a financial advisor with KWB Wealth in Redlands, CA, holding a Series 66 designation and 19 years of industry experience. She has been with KWB Wealth since 2020 and has worked at LPL Financial LLC since 2005. Sailler also serves in a fiduciary capacity for a family trust. KWB Wealth advises individuals, including high-net-worth clients, offering discretionary portfolio management alongside financial planning and consulting. The firm uses a range of asset-allocation strategies and investment approaches, combining fundamental, technical, quantitative, and qualitative analysis to tailor advice based on each client's financial situation and goals.