Our Team
Elite Capital Insurance Services Team
Audrey West
Founder/Financial Advisor, RFC™
Audrey West is a leading financial advisor based in Newport Beach, California, known for helping individuals, families, and businesses build financial security and sustainable, long-term growth. With a personalized approach, Audrey provides a comprehensive and holistic strategy for every client, ensuring their unique financial goals are planned with precision and care.
Audrey’s clients benefit from access to resources through our affiliation with Gradient Advisors which includes Certified Financial Planners (CFP®), offering a 360-degree approach to wealth management. Her mission is simple: to empower clients with the knowledge, tools, and confidence to make informed financial decisions that support their long-term goals.
Audrey West adheres to a strong foundation of standards of ethics, education, and client care. She is a Registered Financial Consultant (RFC®) and holds the Series 65 registration, which allows her to operate as a fiduciary investment advisor representative. This commitment ensures that every recommendation is made in the best interest of her clients. Audrey’s fiduciary status underscores her dedication to providing objective, conflict-free advice in key areas like Comprehensive Retirement Planning and Risk Management.
Audrey specializes in addressing complex financial challenges for high-net-worth individuals, families, and businesses with the following key services:
- Advanced Retirement Planning (for individuals, executives, and corporations)
- Comprehensive Asset Management and Wealth Growth Strategies
- Wealth Preservation & Asset Protection
- 401(k), IRA and Retirement Account Strategies
- Profit-Sharing Plans
- Strategic Income & Cash Flow Strategies
- Comprehensive Family Protection
- Tax-Efficient Wealth Strategies
Henah Durrani
Administrative Assistant
Henah Durrani plays a crucial role in supporting both our team and clients by ensuring smooth day-to-day operations. She is available to answer administrative inquiries, assist with workflow management, and provide the necessary support to help clients navigate our processes with ease. Henah is dedicated to delivering excellent service, proactively reaching out to address client needs and ensure they receive the assistance they require. With a strong attention to detail and a passion for organization, Henah contributes to a seamless experience for both clients and colleagues. She is committed to continuous learning and delivering the highest standards of support in the financial industry.
Denise Popoca
Office Manager
Denise has spent more than ten years in customer support and office management, bringing a high level of organization and care to everything she does. She is known for her exceptional attention to detail and her commitment to creating a smooth, welcoming experience for every client who comes through our office. Denise ensures that all day-to-day operations run efficiently, allowing our advisors to focus fully on serving clients. Her friendly, approachable nature and genuine dedication make her an invaluable part of our team.
Strategic Alliances
Michael Binger, CFA®
President of Gradient Investments, LLC
As President, Michael is the leader of Gradient Investments and has been with the firm since 2012. He brings more than 35 years of industry experience, including prior roles managing multi-billion-dollar portfolios for an institutional asset manager. Michael is a CFA® charter holder and is a frequent contributor on CNBC, Fox Business, Barron’s, and the Wall Street Journal.
Keith Gangl, CFA®
Senior Portfolio Manager
Gradient Investments, LLC
Keith joined Gradient Investments in 2018 and has more than 30 years of industry experience. Prior roles include senior portfolio manager for a large institutional asset management firm, managing a multi-billion-dollar portfolio. Keith is a CFA® charter holder, and has been featured in media outlets such as CNBC, Bloomberg, Investor’s Business Daily, Nasdaq and Reuters.
Tyler Ellegard, CFA®
Senior Portfolio Manager
Gradient Investments, LLC
Tyler is a Senior Portfolio Manager at Gradient Investments, where he focuses on portfolio management, asset allocation, and investment research across multiple asset classes. He provides market insight and portfolio strategy to support client investment decisions. Tyler is a CFA® charterholder and has been featured in media outlets including Schwab Network, Reuters, and The Wall Street Journal.
This endorsement of Gradient Investments, LLC, (GI) and its portfolio management services is provided by an investment advisor representative of Gradient Advisors, LLC (GA). This investment advisor representative refers clients to GI for portfolio management services. GI does not pay separate compensation to GA in relation to its endorsement or any promotional services. However, GA receives a portion of the advisory fees paid by clients who utilize the portfolio management services of GI. GA also shares in the revenue of GI via quarterly payments based on the amount of total assets GA places with GI. This endorsement incentivizes GA in increasing the assets placed with GI, and therefore the compensation received by GA. GA’s investment advisor representatives are not affiliated with or supervised by GI. An additional conflict of interest exists because GA and GI are under common ownership. While these conflicts of interest exist, investment advisor representatives of GA are subject to fiduciary duty and must act in the best interests of their clients. These investment advisor representatives and their clients are not required to use GI, and may select other investment managers.
Tim Kosmos
Enrolled Agent and IRS-Certified Tax Expert
Neta Wenrick
Medicare Specialist
Neta Wenrick has dedicated 40 years to working with seniors. She finds great joy in educating people about Medicare and connecting them with valuable resources through her extensive network in the senior care community.
Neta holds a Bachelor’s Degree in Music Education, Certification in Music Therapy, and a Master’s Degree in Healthcare Administration from California State University, Long Beach.
Neta is passionate about improving the quality of life for seniors, using her vast network of contacts to make a positive impact in their lives.
Cindy K. Myers, Esq.
Coastal Estate Planning, P.C. | Founder and Principal Attorney
With over a decade of experience in estate planning, trust administration, and probate, Cindy is a trusted advocate known for guiding individuals and families through some of life’s most important legal decisions with genuine compassion. As the founder of Coastal Estate Planning, P.C., her goal is to help clients protect their legacies with clarity, compassion, and precision. In addition, Cindy enjoys serving the legal community as an adjunct professor of Wills and Trusts at California Desert Trial Academy College of Law, where she mentors the next generation of legal professionals and brings real-world experience into the classroom.
Samuel Ken Jew, CPA
Samuel Ken Jew, CPA, began his accounting career over 40 years ago, working at Ernst & Young, ADP and Wright Ford Young & Company (the largest CPA firm in Orange County). In 2008, he launched his own firm (SKJ CPA) to provide fractional CFO and tax planning/compliance services, where hundreds of business and individual clients significantly benefit from his expertise and advice.
Case Central
In partnership
Case Central is a case design firm comprised of Certified Financial Planners® and back-office support. Elite Capital & Insurance Services leverages its industry experience, technology platform and comprehensive case analysis to optimize your retirement strategy.
Schedule a Consultation
Partner with Audrey West and her expert team to create a personalized financial plan that not only meets your immediate needs but also positions you for a prosperous future.