Julia Andrews is a Certified Financial Fiduciary^® and a Behavior Financial™ Advisor with Monarch Wealth & Retirement Strategies.  Although new to the advisory world, she brings with her over 20 years of experience in the Financial Services Industry. As financial professionals, Julia and her team are committed to helping people create solutions for their retirement assets by holistically creating a financial plan to understand risk tolerance, time horizon and goals, together they work to develop a program that carefully balances investment strategies with preserving principal.

An independent Insurance agent in the San Francisco Bay Area for more than 20 years.

Ronald C. Edwards is President and owner of Annuity Pro, LLC.  As a trusted advisor and       Insurance professional with over 32 years experience Ron practices all fiduciary principles and is a  recognized expert in the area of Safe and Secure retirement planning with NO STOCK MARKET RISK!   We offer IRA and 401k rollovers with premium bonuses of up to 10%,

Roth IRA's with premium bonuses of up to 10%, and life insurance with "living benefits".

We work several financial strong insurers which allows us to compare and offer the best

products for your individual needs. Our team which includes financial advisors, Insurance professionals, accountants, and estate planning attorneys, are dedicated to maximizing your retirement income by up to 40% in some cases!  

Kyle has been in the professional financial services industry for over 15 years. He received his Bachelor’s degree in Business Finance from California State University Long Beach.  He currently holds a BFA™, Behavioral Finance Advisor certification and is a Certified Financial Fiduciary®, as well as his Securities licenses Series 7, 66, and life insurance licenses in multiple states.

Kyle focuses on guiding individuals through major transitional life events, such as retirement, divorce, the death of a spouse or the selling of a business.  He specializes in advanced financial plan design, investment management, tax strategies, retirement planning, income planning, insurance planning, and estate planning strategies. 

Brian David Breckenridge is a Financial Advisor that has worked in the Securities and Insurance industry since 1998. He is sole owner of Breckenridge Tax & Financial Services and Single Member of Innovative Financial Advisors, LLC, an Investment Advisory Company. His office location is in the heart of San Ramon California’s Bishop Ranch Park.

Brian believes there is a post-retirement financial epidemic in front of us. People are living longer and are not prepared for the level of financial security that is required. Most of our parents had a pension and Social Security at age 65. They didn’t have to worry about what was ahead financially. Today, there are fewer people that will retire with a pension and need to save into their own retirement plans. Together, Americans have successfully saved trillions of dollars into these plans and are not guaranteed their performance or if it will last over their lifetime.

Preparing for life’s financial needs are a challenging task in today’s volatile economy and fast paced environment. Individuals and families alike have unique goals and objectives that need continuous review and prudent planning. At Innovative Financial Advisors, we take a “Whole Picture” approach when reviewing our client’s financial situation. Our experience with income tax, financial planning and estate review enables us to discover areas of concern that our clients have in their overall plan and find solutions to these needs. As a Fiduciary, I believe looking out for my client’s best interest ahead of my own builds trust and initiates strong relationships.

 Reggie was born where the best-revered health care professionals are born, Manila, Phillipines! 

The daughter of a dentist and a corporate lawyer, she came to the US in 1991 as a young banker turned mortgage professional, and today, a successful Insurance, Annuities, and Group Benefits Advisor. Her "a-ha momnent" came to her in her many years of retirement planning conversations. She found out that the majority of our citizens are especially concerned about not having enough money for retirement. Or outliving their income. Or dying poor! THis led Reggie to become a professional resource to increase the public's preparation for a secure retirement. As a Certified Financial Fiduciary , she agrees to uphold the highest moral, ethical and fiduciary standards of service when providing advice to her potential or existing clients. She lives in Chino, CA with her husband and two daughters. 

Ms. Mechem is a former auditor at one of the largest accounting firms in the world and works with wealthy families to reduce taxes and improve or create their wealth-building plans.Ms. Mechem is dedicated to guiding pre-retirees and retirees on how to balance investment risks, safely build a strong portfolio, and enjoy a larger lifetime income in retirement. She helps her pre-retirees and retirees gain access to the high-quality, secure, and proven strategies and solutions offered by the largest and safest financial institutions in the country.

Ms. Mechem has been working with employees and retirees who have 20 to 30+ years of service with medium-sized to large companies or who have built up large 401(k) balances. Ms. Mechem helps clients dramatically reduce their tax bills, secure safe lifetime income and maximize retirement benefits. She also works with employees from the public sector who are near retirement or in retirement.Ms. Mechem is also one of the top specialists in the country today for Tax-Free investing strategies. She helps successful professionals and business owners from around the world become more eflcient wealth builders.

Gaby enjoys connecting with people personally, getting to know their lives and stories, and building strong friendships. She excels at organizing resources to create and optimize. She is passionate about working with people so they can live the life of their dreams. She has dedicated herself to doing anything in her power to protect her client's retirement and to build a strong community for her clients. She believes strongly that making a small difference can make the world a better place to live.

Gaby is an action-taker and an achiever. She is a mother of 3, She is passionate about supporting kids and providing opportunities and resources to kids that are disadvantaged.

Known for being a trusted Retirement and Business Specialist, Grant’s intuitive abilities and insightfulness allow him to understand client needs. Building confidence and forming relationships over a life time, is part of his core strength.

Grant provides a variety of products to help his clientele meet a number of insurance, retirement and financial needs.

Grants clients are from all walks of life with a focus on retirees, pre retirees, business owners and CalSTRS / CalPERS employees. Grant Sawyer is committed to helping individuals grow their personal wealth safely and securely while obtaining a comfortable retirement in an often volatile financial market place.

Cayla Dee is a traveling Financial Professional who splits her time between Texas and California. Although she is primarily based in Texas, she holds her Life, Accident and Health license in multiple states throughout the United States. 

Her financial focus is on Indexed Strategies that help protect your wealth. When it comes to retirement planning, she will guide you towards proper and strategic asset distributions that allow you to transition into retirement stress free and prepared. She also helps navigate you through proper budgeting, and saving techniques to help be prepared for the financial plans you have ahead.

Being an educator at heart, she strives to increase her clients financial literacy and investment knowledge to help them make powerful and informed decisions for their future.

As a younger financial professional, "I strive to encourage my generation and our future generations to start building wealth early, protecting their assets, and spreading financial awareness. Building financially independent individuals who can retire early and enjoy a lifestyle tailored to their aspirations and goals is a focus of mine".

Away from work Cayla Dee enjoys spending quality time with my nieces in Texas as well as exploring the culinary world by cooking in different countries and trying new cuisines. She also spends time outdoors exploring the mountains and beaches of California. 

Victoria Marshall entered the industry in 1994. She later founded her company in Redlands, California, in 2003 and since that time, Marshall Insurance and Financial Solutions has served its clients with compassion and forethought.  As an advisor, Victoria is insightful & compassionate, and dedicated to listening to what her clients need.