Planning Team

Josh works closely with prospective and existing clients to understand their goals and develop a plan to achieve them. A so-called tax and planning nerd, he specializes in tax-efficient retirement income planning.

Josh has nearly 20 years of financial planning experience. He graduated with a Bachelor of Science in Marketing from Azusa Pacific University and maintains the CERTIFIED FINANCIAL PLANNER™ (CFP®) certification as well as the Retirement Income Certified Professional (RICP®), Wealth Management Certified Professional (WMCP®), and Chartered Life Underwriter (CLU®) designations. He also holds his Series 7 and 63 registrations and life & health insurance license.

Inspired by the specialists who helped their son Jack successfully navigate the complexities of ASD, Josh actively supports the Child Guidance Center, which provides mental health services to children without means. He joined the Board of Directors in 2016 and served as the Board Chair from 2018-2022.

Josh was born in Minnesota but grew up throughout Southern California. He now lives in Eastside Costa Mesa with his wife, Lexie, and their two children, Jack and Sadie. Josh enjoys traveling with his family, golfing, and driving with the windows down.

Tyler has nearly 30 years of financial planning experience and specializes in estate planning for high-net-worth families and the unique planning needs of privately-owned, closely-held businesses and their owners.

After graduating from the University of Arizona with a Bachelor of Science in Finance, Tyler's entrepreneurial spirit led him to co-owning a furniture manufacturing company. From there, Tyler decided to pursue a career in financial services where he could guide business owners from his own first-hand experiences. He remains committed to staying on top of industry trends and opportunities and maintains the Chartered Life Underwriter (CLU®) designation. He also holds the FINRA Series 7, 65, and 63 registrations and life & health insurance licenses.

Tyler's family has Orange County roots for many generations, and he and his wife Pam call Newport Beach home. Recent empty nesters, their sons, Tom and Ted, have graduated and begun their careers, while their daughter, Ellie, is attending Boise State University. Tyler enjoys golfing, hunting, boating, and fishing.

Zac oversees the day-to-day financial planning operations, client service processes, and internal team development and growth.

Zac has over two decades of financial planning and client relationship experience. He graduated with a Bachelor of Science in Accounting from California State University, Long Beach, and holds his Series 6 and 63 registrations and life & health insurance license.

Originally from San Diego, Zac came to Orange County for college and now lives in Eastside Costa Mesa. He enjoys golfing, watching Chelsea football (AKA soccer), and paddling/rowing out of the Newport Aquatic Center. 

Eric is involved in the creation and maintenance of financial plans.

Eric brings four years of experience in asset management and financial planning with large RIAs: FormulaFolios and Brookstone Capital Management. He graduated from the University of California, Santa Barbara, with a Bachelor of Arts in Economics and holds his FINRA Series 7, 65, and 63 registrations and life & health insurance license. 

Eric was born and raised in Laguna Beach and enjoys golfing, surfing, and traveling.

Denise is responsible for all client scheduling and provides operational support for our team.

Denise has been with our firm since 2009 and brings a contagious, joyful demeanor to her role. She graduated from California State University, Fullerton, with a Bachelor of Arts in Liberal Studies and holds her life & health insurance license.

Denise was born and raised in the Newport Beach/Costa Mesa area and currently lives in Eastside Costa Mesa with her husband of 36 years, Charlie. She and Charlie enjoy spending time with their two daughters, sons-in-law, and grandbaby, Jolee.

Ersula is involved in executing the firm's insurance operations, including new applications, underwriting, and service. She also supports business clients that sponsor retirement plans and group benefits.

Ersula has 20 years of experience in insurance and investment operations. She holds her Series 6 and 63 registrations and life & health insurance license.

Ersula has two adult children and lives with her husband, Mike, in Buena Park. She enjoys spending time with her family, traveling, and hiking local mountains.

Heather is involved in executing the firm's investment operations, including opening new accounts, trading, and processing transfers and distributions.

Heather has 14 years of experience in investment operations. She graduated from Golden West College with a Bachelor of Arts in Liberal Studies and holds her Series 7, 6 and 63 registrations and life & health insurance license.

Heather was born and raised in Orange County and currently resides in the city of Orange. She enjoys traveling the world and immersing herself in different cultures and experiences.