TEAM (Together Everyone Achieves More)

When John started a real estate investment company with his younger brother in 2003, he quickly realized the importance of being financially competent and resourceful. Two years later, while still a business student at the California State University, Fullerton, he began his career in financial services, founded his own practice and grew it into what it is today.

John got his insurance and securities licenses in Cerritos, California in 2005 and became an independent financial adviser with the help of great mentors he met through volunteering. Thereafter, with his early successes by 2007, he was able to retire and support his parents, relocated to a larger office in Orange County, and at the same time, expanded his firm’s services to include fiduciary investment services, tax planning and holistic financial planning. To date, the firm is a successful relationship and referred-based practice that has been consistently grown year over year.

John is an Enrolled Agent (federally authorized tax practitioner, this is the highest credential the IRS awards) and a CFP (Certified Financial Planner), who’s also fully licensed: insurances (Life & Health and Property & Casualty) and securities (FINRA Series 6, 7, 26, 63, 65).

Before John was in the financial services industry, he always had a passion for service and volunteerism. He founded the Key Club International Club at Oxford Academy in 10th grade and in 2003, he founded Youth Leadership America (YLA), a continually growing non-profit 501(c)3 organization that provides opportunities for high school students to learn leadership in the community. In addition to all these accomplishments, John has been a Member of the Kiwanis Club of Greater Anaheim since 2003, served two full terms on the Anaheim Sister City Commission (2009-15) as Chairman, and two full terms on the Orange County Juvenile Justice Commission (2007-15) as the Law Enforcement Committee Chair.

In his profession, John has been active with the Orange County Financial Planning Association since 2012, where he serves on the membership and the pro-bono committee. John is a natural public speaker and loves to share his knowledge and experience at various community and professional events/conferences. He enjoys leading study groups and doing various financial planning workshops.

Though with his full calendar, John still prioritizes his time for his faith and family above all, as he has learned that service/charity and his faith practice begins at home! After he got married to the love of his life, Michelle, on his birthday in 2015, John began cutting back on his community involvements to focus more on his own family. John and Michelle are very blessed to have two great children, a daughter and a son.

Joel’s start in his working career was as an Environmental Engineer, after obtaining a PE (Professional Engineer) license and Master’s degree from California State University at Long Beach. After working in that field for over 20 years, his desire to work more with people precipitated a move to the financial arena, where he could develop relationships with his clients, yet still utilize the technical skills he had developed with math, spreadsheets, and designing solutions. He obtained his securities and insurance licenses and has been working in the Wealth Management field for over 10 years.
 
As a Financial Planner/Advisor, his goal is to help clients toward achieving their financial goals and dreams, whatever they may be. He enjoys providing comprehensive financial planning services to help individuals and businesses with investment strategies, retirement planning, protection planning, estate planning, and tax reduction strategies. The process involves establishing financial goals, gathering relevant data, analyzing the data, and developing a plan toward achieving their goals. Typically, this involves helping maximize financial return within a stated risk objective, helping minimize tax liability, and protecting future viability and intangibles. He also enjoys educating his clients to help avoid some of the potential pitfalls and landmines of the personal finance and investing world. Overall, he seeks to serve as an advocate for his client’s financial success.

An experienced professional with over 15 years of experience in client services, Matthew has worked for Northwestern Mutual, ADP, and Sullivan Curtis Monroe. He is a licensed financial advisor/planner with certifications including FINRA Series 6, 63, and CA Life & Health Insurance. Matthew excels in cultivating client relationships and crafting tailored strategies to meet the financial planning objectives of individuals, families, and business owners seamlessly. He is driven by a dedication to enhancing the client-advisor relationship and delivering an exceptional financial planning experience and support to his valued clients.

Off the clock, Matthew cherishes every moment with his wife and two kids, whether they're volunteering at their school, embarking on exciting adventures, or simply enjoying quality time together. His passion for soccer fuels his competitive spirit, and he still makes time to play on Sundays. As a dedicated fan of the English Premier League, he's often up at 5 am to catch a game before the chaos of family life begins. The same dedication and commitment he brings to his family and soccer are reflected in his role as a financial advisor.

Mr. Nahavandi has been an Independent Financial Advisor for over 15 years and has passed examinations for Series 6, 7, 63, and 65, as well as Insurance Licenses: Life & Health and Property & Casualty. Kamron’s approach to financial planning is to begin with educating his clients, addressing all their financial concerns and goals, then developing a solid plan to help get them to their goals sooner, and in the most tax-efficient manner. In addition, he also volunteers his time providing financial education to the public, as a guest speaker for various churches, vocational schools, and colleges in Southern California.

Ron Kring has had a lifelong passion for personal finance and investing, beginning in his early twenties. He has always actively managed his own family’s finances, and that personal commitment carries through to the care and attention he brings to client relationships today. Ron’s approach is high-touch and highly personalized, grounded in the belief that clear, consistent communication is essential to understanding what matters most to clients and helping them plan for secure financial futures. He especially enjoys helping clients organize their financial lives and make confident, well-informed decisions.

Ron provides fee-based wealth management and investment advisory services, along with life and annuity insurance solutions, serving professionals, business owners, and retirees. His investment philosophy emphasizes disciplined portfolio design, thoughtful risk management, and long-term planning—structuring portfolios to help manage downside risk while still allowing opportunities for growth. Ron is a lifelong learner who stays engaged with evolving investment strategies and planning tools to better serve clients across changing market environments.

Ron founded and operated an independent registered investment advisory firm beginning in 2019. He joined Money Concepts to maintain his independence while benefiting from a collaborative, advisor-focused platform that allows him to spend more time with clients and less time on administrative and compliance responsibilities.

Prior to his financial advisory career, Ron spent more than 30 years as a senior sales and distribution executive in the biotech and pharmaceutical industry, working with the nation’s largest health plans, pharmacy benefit managers, specialty pharmacies, wholesalers, and retail pharmacy chains. That experience shaped his disciplined approach to decision-making and his appreciation for long-term, trust-based relationships.

Ron and his wife, Lucille, have lived in Anaheim, California, since 1989 and are deeply involved in their community. They are active volunteers at St. Columban Parish in Garden Grove, where Ron has also served as chairman of the parish council and chair of the parish capital campaign committee.