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Jeff is the President of Capital Financial Consultants Group – Orange County and a Registered Principal with Independent Financial Group, LLC. Jeff has an extensive background in business management and administration. He served as Chief Compliance Officer at his prior broker dealer, overseeing the regulatory interactions with FINRA and the SEC. Here he also oversaw the Due Diligence and Research & Analysis departments and has a vast background in evaluating alternative assets in real estate, business development and energy. Prior to merging his practice with Capital Financial Consultants Group, he co-founded a successful investment advisory firm.

Jeff specializes in Wealth Management and Financial Planning; in the protection, accumulation, preservation, and distribution of wealth, and he embraces general financial planning principles when working with clients in the management process. He holds FINRA Series 7, 24, and 66 licenses.

Jeff and his wife Tina live in San Juan Capistrano, CA with sons Joey and Isaac and daughter Lauren. In his spare time, Jeff stays busy in South Orange County and loves the beach, athletics and spending time with family, while also trying to find time to satisfy his love for the game of golf.

Haynes L. Kendall, Jr., CFP^® is the Founder of Capital Financial Consultants, Inc., a financial planning and wealth management firm based in Orange County, California since 1980. Haynes is a Certified Financial Planner^®, Adviser / Representative, and a Registered Securities Principal with Independent Financial Group, Inc. member of FINRA and SIPC.

Haynes received his Bachelors of Arts Degree in Journalism and Business from University of South Carolina. Serving as a Naval Aviator aboard the aircraft carrier USS Constellation, he obtained the rank of Lieutenant Commander in the United States Navy.

Haynes is the co-author of Living and Learning: Achieve Retirement and Education Security, a collaborative effort amongst several leading estate planning attorneys and financial planners. 

Haynes has completed advanced studies in the areas of retirement planning, estate planning, income tax strategies, portfolio analysis as well as planned giving, and received his certification as Certified Financial Planner^® from the American College of Financial Planning. He is a Plan Giving Specialist and a member of the Financial Planning Association.

Haynes and his wife Arlene reside in Fallbrook, California.

Check the background of investment professional on: FINRA's BrokerCheck

Cindy Bai is a Financial Planner / Wealth Manager affiliated with Capital Financial Consultants Group, Inc. Cindy has a comprehensive knowledge in risk management, individual income tax, investments and retirement planning. She is a CPA in addition to her Financial Planning and Wealth Management roles. She specializes in Estate Planning, Insurance, and Wealth Preservation strategies. She helps small-business owners and individuals reduce their tax liability using customized financial strategies and solutions for protection and accumulation. Cindy provides a free initial financial consultation to her clients to help them assess and achieve their financial goals.

Prior to becoming a financial advisor, Cindy was a finance executive with Motorola, Alcoa, HBA International and Leyard. She has extensive corporate finance and M&A experience and knowledge.

Cindy is bilingual in English and Chinese. She enjoys travel and playing tennis.

Cindy (Ru) Bai is a Registered Representative with Independence Financial Group and offers securities in California.