Forthright Capital

John Rowden is a financial advisor at Forthright Capital Advisory with three years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at several firms, including Equis Financial, Verity Asset Management, and Teacher's Pension. Outside of his advisory role, he is also an independent agent soliciting life insurance and annuities. Forthright Capital Advisory serves individual clients, employer plan sponsors, corporations, and charitable organizations by providing discretionary portfolio management, financial planning, and employee benefit plan services. The firm emphasizes passive investment management using index mutual funds and ETFs, applying Modern Portfolio Theory alongside other analytical methods, and offers a range of planning engagement formats.

Ivan Henriquez is a financial advisor at Forthright Capital Advisory with seven years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Equitable Advisors and Park Avenue Securities. Henriquez has also been involved in entrepreneurial ventures, including operating Munchies Vending, LLC. Forthright Capital Advisory serves individual clients, employer plan sponsors, corporations, and charitable organizations by providing discretionary portfolio management, financial planning, and employee benefit plan services. The firm primarily employs a passive investment approach using index mutual funds and ETFs, alongside Modern Portfolio Theory and various analytical methods, offering flexible engagement formats such as subscription planning and project-based services.

Quinten Smith is a financial advisor at Forthright Capital with three years of industry experience. He holds a Series 65 designation and has worked at firms including Mutual of Omaha Investor Services and Castle Advisors, Inc./GEICO. Outside of his advisory role, he is CEO of Forged by Fire, LLC, a business focused on coaching men in personal and spiritual development. Forthright Capital serves individual and high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm emphasizes passive portfolio construction based on Modern Portfolio Theory and offers a range of financial planning and investment management services.

Ryan Berkowitz is a financial advisor with Forthright Capital Advisory in Cathedral City, CA, holding Series 63 and Series 65 licenses and eight years of industry experience. His prior roles include positions at Secure Investment Management, Capstone Partners, and Southport Capital. Berkowitz is also involved with Forthright Capital Partners, LLC, an affiliated insurance agency. Forthright Capital Advisory serves individual clients, employer plan sponsors, corporations, and charitable organizations, offering discretionary portfolio management, financial planning, and employee benefit plan services. The firm employs a primarily passive investment approach using index mutual funds and ETFs, incorporating Modern Portfolio Theory alongside fundamental and technical analysis, and offers a variety of engagement formats including subscription-based planning.

Kyle Toledo is a financial advisor at Forthright Capital with a Series 65 designation and four years of professional experience. Prior to joining Forthright Capital Advisory and Forthright Capital Partners in 2025 and 2026 respectively, he worked with Lodi Unified School District beginning in 2022 and has experience in other sectors including education and food service. Forthright Capital serves individual and high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations by providing discretionary portfolio management, financial planning, and employee benefit plan advisory services. The firm emphasizes passive portfolio construction based on Modern Portfolio Theory, supplemented by various analytical methods and the use of proprietary model portfolios.

Richard Reed is a financial advisor with Forthright Capital Advisory holding Series 63 and Series 66 licenses and 21 years of industry experience. His prior roles include positions at Sequent Planning, LLC and Bank of the West. He also engages in insurance activities through Forthright Capital Partners, soliciting individual life insurance and fixed annuity products. Forthright Capital Advisory serves individual clients, employer plan sponsors, corporations, and charitable organizations with discretionary portfolio management, financial planning, and employee benefit plan services. The firm primarily employs passive investment management using index funds and ETFs combined with various analytical approaches and offers a range of planning engagement formats.

Nephi Eschler is a financial advisor at Forthright Capital Advisory with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Northwestern Mutual Wealth Management Company and Northwestern Mutual Life Insurance Company. Eschler also owns Eschler Financial, LLC, an entity established for tax and employee compensation purposes. Forthright Capital Advisory serves individual clients, employer plan sponsors, corporations, and charitable organizations, offering discretionary portfolio management, financial planning, and employee benefit plan services. The firm primarily employs passive investment management using index mutual funds and ETFs, applying Modern Portfolio Theory alongside fundamental and technical analysis.

Steven Schumaker is a financial advisor at Forthright Capital Advisory with 21 years of industry experience. He holds a Series 65 credential and has worked at Pruneyard Financial Group, Inc. for over two decades, along with roles at Beacon Pointe Advisors and Insurance Services. In addition to his advisory work, he maintains an active role as an insurance agent. Forthright Capital Advisory serves individual clients, employer plan sponsors, corporations, and charitable organizations, offering discretionary portfolio management, financial planning, and employee benefit plan services. The firm primarily employs passive investment management with index mutual funds and ETFs, using Modern Portfolio Theory combined with various analytical methods and outside managers when appropriate.

Terry Szilasi is a financial advisor at Forthright Capital Advisory with six years of industry experience. He holds the ChFC® designation and Series 63 license. His prior experience includes roles at New York Life Insurance Company and NYLIFE Securities LLC. Szilasi is also involved with Forthright Capital Partners, an affiliated insurance agency offering life insurance and fixed annuity products. Forthright Capital Advisory serves individual clients, employer plan sponsors, corporations, and charitable organizations, providing discretionary portfolio management, financial planning, and employee benefit plan services. The firm primarily employs passive investment management using index mutual funds and ETFs, applying Modern Portfolio Theory along with fundamental and technical analyses.

Edward Hill is a financial advisor at Forthright Capital Advisory in Conroe, TX, with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Increase Financial, LPL Financial, and AXA Advisors. Outside of advisory services, Hill is involved with Forthright Capital Partners, an affiliated insurance agency that solicits individual life insurance and fixed annuity products. Forthright Capital Advisory serves individual clients, employer plan sponsors, corporations, and charitable organizations, offering discretionary portfolio management, financial planning, and employee benefit plan services. The firm employs a primarily passive investment approach using index mutual funds and ETFs, incorporates Modern Portfolio Theory, and provides a broad range of engagement options including subscription-based planning.

Judy Lee is a financial advisor with Forthright Capital Advisory, holding Series 63 and Series 65 licenses and four years of industry experience. Her prior roles include positions at Prudential Insurance Company of America, New York Life Insurance Company, and Hornor Townsend & Kent Inc. Lee is also involved with Forthright Capital Partners, LLC, where she solicits individual life insurance and fixed annuity products. Forthright Capital Advisory serves individual clients, employer plan sponsors, corporations, and charitable organizations by providing discretionary portfolio management, financial planning, and employee benefit plan services. The firm primarily employs passive investment management using index mutual funds and ETFs, applying Modern Portfolio Theory alongside fundamental and technical analyses.

Raymond Yau is a financial advisor at Forthright Capital Advisory with one year of industry experience. He holds the Series 66 designation. Prior to his current role, he served in the United States Navy ESG-3 Command for 21 years and has been involved in marketing and ownership roles at XMvisuals LLC DBA FASTSIGNS since 2019. Forthright Capital Advisory provides discretionary portfolio management, financial planning, and employee benefit plan services to individual clients, employer plan sponsors, corporations, and charitable organizations. The firm primarily uses a passive investment approach with index mutual funds and ETFs, applying Modern Portfolio Theory alongside various analytical methods and outside manager referrals.

Nathaniel Carswell is a CFP® with 18 years of industry experience. He is currently with Forthright Capital Advisory, having joined in 2023. His prior roles include positions at OneDigital Investment Advisors LLC, Triad Financial Advisors, Inc., and Morton Wealth Management. Forthright Capital Advisory serves individual clients, employer plan sponsors, corporations, and charitable organizations, offering discretionary portfolio management, financial planning, and employee benefit plan services. The firm emphasizes passive investment management using index mutual funds and ETFs, applying Modern Portfolio Theory alongside various analytical methods, and provides multiple engagement formats including subscription-based planning.

Christopher De Villeneuve is a financial advisor with Forthright Capital Advisory, holding the ChFC® designation and Series 63 license. He has nine years of industry experience, including eight years at New York Life and NYLIFE Securities. He is also involved in an affiliated insurance agency, Forthright Capital Partners, where he solicits individual life insurance and fixed annuity products. Forthright Capital Advisory serves individual clients, employer plan sponsors, corporations, and charitable organizations by providing discretionary portfolio management, financial planning, and employee benefit plan services. The firm employs a primarily passive investment approach using index mutual funds and ETFs, complemented by Modern Portfolio Theory and additional analytical methods.

Timothy Bennett is a financial advisor at Forthright Capital Advisory in Chicago, IL, holding a Series 65 license with one year of industry experience. His prior work includes roles in education and music education services before transitioning to financial services. He is also active as an independent insurance agent, providing pension reviews and retirement planning. Forthright Capital Advisory serves individual clients, employer plan sponsors, corporations, and charitable organizations with discretionary portfolio management, financial planning, and employee benefit plan services. The firm primarily employs passive investment management using index mutual funds and ETFs, applying Modern Portfolio Theory alongside other analytical methods.