Image of Kelly Kline

Kelly Kline

One Trust Home Loans

Mortgage Loans, Property Management

President, NCNG

With over 20 years of lending experience I believe that the title of Mortgage Professional is not one of a job, or a career. It's the lifestyle that one must choose to text-4 to be successful in this field. In my years of experience forging a successful career in the mortgage industry, I consistently try to seize every opportunity to exceed the expectations of my clients and colleagues with integrity, professionalism and leadership.

Striving to live and work by the "Golden Rule" I treat all clients, co-workers and people the way I want to be treated: friendly, fair, welcoming and with respect.

With an uncanny work ethic, a go-getter attitude, and a straight-forward approach, I serve as a licensed mortgage banker for OneTrust Home Loans. With a focus on originating home loans, I also serve as a trusted resource to my clients, peers and a dedicated referral partner.

Specialties: All of your Residential Mortgage Financing needs including FHA, VA, Conventional and Jumbo loans. Now also offering 2nd mortgages. Refinances as well as purchases with as little as 3.5% down payments.

In my personal life, I am a dedicated father to three sons. I'm an avid youth sports coach, volunteering to coach youth baseball, basketball, soccer and flag football, as well as volunteer to be a board member. I enjoy golfing, waterskiing, and playing softball and I am constantly networking. I currently also serve as the President of NCNG.

 Image of Christian Vickery

Christian Vickery

Vickery Properties

Property Management

Vice-President, NCNG

I graduated from Saint Mary’s College in Moraga, CA in 2006 and have been in the residential property management industry since early 2010.

I’m the Owner/Broker of Vickery Properties, a property management company I founded in 2017. We specialize in managing and leasing single-family homes, townhouses, condo, multiplexes and apartments in North San Diego County.

Being entrusted with managing one of our clients’ most valuable assets, if not their most valuable asset, is a task we take very seriously. Whether you purchased your property as an investment to hold for the long term, or you’re a homeowner looking to rent out your property until you are ready to sell, Vickery Properties will manage your property with the persistent goal of maximizing your effective rental income by retaining desirable tenants, and avoiding vacancy periods and the costs of a tenant turnover. When a tenant does plan to vacate, we are very proactive in securing a new, qualified tenant as soon as possible to minimize your vacancy period.

A Bay Area native, I reside in Carlsbad, CA with my wife Jennifer and our two daughters.

DRE Lic #01824286

Image of Roudi Matin

Roudi Matin

Foot Solutions Encinitas

Experts in Foot Wellness

Secretary, NCNG

Roudi Matin is a podiatric expert and the owner of Foot Solutions Encinitas a store that has been proudly serving the North San Diego County since 2001. We are glad to be part of the Foot Solutions family; Foot Solutions is the world's largest and #1 Ranked Health & Wellness Franchise focusing on foot care.

At Foot Solutions, our trained podiatrist utilize advanced computerized scanning technologies to determine the optimum solution for people experiencing common foot problems. We provide solutions with a broad range of footwear and the most innovative arch supports and custom orthotics on the market today. We devote 30-45 minutes on average with each client and we have a very high rate of success in minimizing and/or totally alleviating foot and foot-related pain and discomfort.

Our specialties include helping people with:

  • Bunions and/or hammertoes,
  • Plantar fasciitis,
  • Metatarsalgia, Morton’s neuroma,
  • Over-pronation/supination,
  • Tired feet, knee/hip/back pain originating from the foundation,
  • Great shoes & sandals
  • & much more...

Stop in today and ask for our complimentary Holistic Foot and Gait Analysis. Your feet will be glad you did!

Image of Joe Markowitz

Joe Markowitz

Dream Home Cinema & Computer

Home Entertainment, Networks, Computer Consultant

Treasurer, NCNG

Dream Home Cinema & Computer was started in May of 2003. Electronics have always been a fascination of mine and so was a natural progression to start my own business. I am an electronics integrator, which means that I provide design and implementation of Home Consumer Electronics Systems. Dream Home Cinema & Computer provides consulting in order to develop home theaters, family room surround sound systems, and whole home music. Home Automation and Control of these system is my specialty. Additionally, I design and install residential and commercial computer networks, as all electronics today are connected devices. The most important part of my integration services is the complementary initial consultation, as this allows me to provide my clients with exceptional value and customer satisfaction.

My business objective is to always surpass my clients expectations, which results in continued business and referrals.

Tad Lent II

TLI Construction & Development Inc.

General Contractor

Sergeant-At-Arms, NCNG

Tad Lent grew up in the residential construction business in Southern California.

Tad's Grandpa, Uncle and Dad, built many thousands of homes from Santa Barbara to San Diego. After school, every summer and on breaks, Tad would ask to come along and help on the family's many various construction projects and developments.

It was a natural fit for Tad. He took to construction like a fish to water, working hard and learning the wisdom of the trades.

Upon graduating from San Diego State University the next step for Tad was to start building and developing on his own.

That was 20+ years ago. Since then Tad has built a variety of amazing projects and become friends with many happy and satisfied clients.

Quality results and happy clients are the only goal at TLI! Call Tad anytime at 760-533-0837

California Licensed General Contractor (#859483)

Tad is a proud alumni of San Diego State University! #GOAZTECS

Image of Keith Badiner
Image of Patrick Zepeda

Keith Badiner

Badiner Insurance Agency (Farmers Insurance)


Membership Manager, NCNG

As your personal insurance consultant, my passion and duty is to give good council regarding valuable individualized and proper asset protection. For all your insurance needs, “Just Ask” Keith Badiner - Your Personal Insurance Agent for Life.

Life Insurance:

  • Term & Permanent Policies
  • Business: Buy/Sell, Key Man, Retention Benefit
  • Personal: Income replacement, Asset protection, Family Protection

Commercial Insurance:

  • Business owners
  • Workers Comp
  • Commercial Vehicles
  • Liability
  • Business Life (e.g. Key Man, Buy/Sell)
  • Errors and Omissions (E&O)

Personal Insurance:

  • Home
  • Auto
  • Earthquake/Flood
  • Umbrella
  • Life
  • Recreational Vehicles (RV, Boat, Trailer, etc.)

See Full Product Offering

Social Media & Get to Know Us

Job Openings

CA License #: 0G06855

Image of Russ Fujii

Russ Fujii

Edward Jones

Financial Advisor

Schedule Captain, NCNG

I came to Edward Jones because we are a private partnership, meaning that our firm does not make business decisions to appease public shareholders but instead make decisions that are the best our clients and the firm. This allows me to build a plan for my clients for their unique and personal goals and the investments and planning are the methods to achieve those goals, whether that is planning for retirement, living in retirement, saving for education, planning for your estate or planning for the unexpected.

There's nothing more important to me than understanding what's important to you. Only then, can you and I work through our established process to help you build personalized strategies and the specific actions needed to achieve your goals. I'll continue to partner with you and your family throughout your life, revisiting your goals and risk tolerance, as well as the strategies we've developed, to help keep you on track toward your goals.

I look forward to the opportunity to earn your business.

CA Insurance License 0C24309

Image of Sandra Sapol

Sandra Sapol

Fully Promoted Carlsbad

Branded Apparel/Promotional Products

Membership Captain, NCNG

Fully Promoted Carlsbad (AKA EmbroidMe Encinitas)...we are your Promotional Marketing Partner. Branded Apparel & Promotional Products to help you get your game on.

No one knows branded & decorated apparel and promotional items better than we do. Fully Promoted/EmbroidMe offers the largest selection of name brand labels such as Nike, Adidas Golf, Ogio, Eddie Bauer and more. All in a convenient, full-service retail location in Carlsbad.

It’s easy. Simply stop in to Fully Promoted/EmbroidMe Carlsbad and browse our one-of-a-kind showroom to find the style, fabric and color that is right for you. If you’re not sure which product is right for you, we will work with you to determine what works best for your embroidery application. We will order the items in for you to review if they are not in our showroom.

It is so easy and so effective. Nothing gives a more professional impression than custom embroidered apparel with your company’s logo. It enhances your image and brand awareness by making you and your team walking ambassadors for your brand.

Since we provide in-house embroidery services with no minimums, it’s even easier to get the look you want. With styles ranging from traditional business and corner office casual, to relaxed, cotton and performance polos.

Check us out on YELP...see what everyone is raving about!

Fully Promoted Carlsbad
2205 Faraday Avenue, Suite M
Carlsbad, CA 92008

Image of Lana Black

Lana Black, Esq.

The Law Offices of Lana Black

Estate Planning Attorney

Referral Captain, NCNG

The Law Office of Lana Black focuses on Estate Planning (commonly known as Wills and Trusts), Trust Administration and Probate, as well as Small Business Law. Lana and her staff always strive to provide the highest level of service to individuals, families and small business owners, paying close attention to details, through customized plans tailored to meet each client’s individual needs and priorities.

The firm’s philosophy is that hiring a lawyer does not have to be intimidating, overbearing, or outrageously expensive. And, the goal is to always communicate in plain terms, and make it more comfortable, personal, straightforward and affordable for people to work with a lawyer, without sacrificing quality.

Contact Lana today for a Free Initial Consultation.

Image of Patrick Zepeda
Image of Patrick Zepeda

Patrick Zepeda

PCH Dry Carpet Cleaning

Dry Carpet Cleaner, Residential & Commercial

A Home should be a place of refuge and relaxation. A clean home provides an even greater experience of these feelings. I strive to deliver the Cleanest Carpets possible to brighten up your homes interior and give you Peace of Mind while you enjoy your living space.

Three years were devoted into developing the process and products that are superior to standard extraction carpet cleaning. This became PCH Dry Carpet Cleaning in 2017

We achieve this through our Exclusive 3-Step Cleaning Process.

Using a Proprietary Blend of Green Safe cleaning products provides the best results using 90% less water! This ensures a FAST DRYING TIME. Our Green Safe Solutions are Plant, Pet, and People friendly. Plus, they smell amazing. An Eco-conscious approach to deep cleaning carpets and hard flooring sets PCH Dry Carpet Cleaning apart.

All clients are given a Not To Exceed (NTE) Estimate that contributes to the peace of mind when using our services.

No Surprise upcharges - My quote is My price, period.

Best of All – Carpets are DRY IN about 1 HOUR!

My Satisfaction Guarantee… If the stains come back, so will I!

Image of Patrick Zepeda

Patty Jones

Interior & Exterior Environment Designs, Inc.

Landscape Design & Build

At Environment Designs, we have one goal: to fulfill all of your landscape needs. This includes both indoor and outdoor services. Our expert staff specializes in everything from indoor plant maintenance and office plants to stellar outdoor landscaping design and construction. We've proudly served Carlsbad, CA, and the surrounding area, including Los Angeles and San Diego, for a number of years.

We operate from our basic belief that honesty, integrity, and the excellent stewardship of the properties entrusted to us is our mission. Our excellence in service defines us not only as commercial landscapers, but as partners in beautifying your home or workplace. By maintaining the most attractive yet cost efficient presentation of your commercial or residential property, we build your trust and establish a lasting relationship. In enhancing the visual presentation of your home or office, we are not only beautifying your own property, but the community as a whole. We strive to make the world a more beautiful place in which to live and work.

Image of David Silva

David Silva

Payroll Centric - Senior Business Consultant

Payroll Services

Payroll Centric was originally founded as a payroll processing service with a mission of creating lasting relationships via customized solutions. As we added more clients, our ability to provide innovative payroll efficiencies grew exponentially and we discovered our happiest clients were the ones that utilized our talent. Over the years, we have created programs and integrated with Human Resource applications, Time & Attendance products, accounting software, 401(k) providers and many workers compensation carriers.

Simply put, Payroll Centric will not try to fit your company in a "one size fits all" box. Your business is unique and so are your processes. Based on the information you provide us we will recommend the solutions that will work for you. Often times, our clients already have their solutions in mind but do not have the right partner. We are committed to making those solutions a reality and have a large list of clients to prove it.

Dennis Smith


Realtor, CDPE, e-PRO, SRES, Certified Probate Expert

At the age of 19, I almost bought my first rental property in Madison, WI where I was raised. Fortunately, Uncle Sam had other ideas and sent me to 32nd Street Naval Station in San Diego for 4 years. I looked around and said, "This is a great place to live" and bought my first home with a VA loan while in the Navy. Since then, I have bought and sold several residences and investment properties for myself & family. I love Real Estate and what it can do for homeowners & investors.

We are active in the community with the Chamber of Commerce, Lions Club, Assistance League, chorale group, bocce and our church.

As a full-time Realtor in San Diego County since 1994, I understand the cycles of Real Estate and you can trust me to help you safely navigate COVID19 and beyond. My wife, Sunshine (DRE#01249837), is my showing assistant and transaction coordinator. She has been licensed since 1998. You will have a great team working for you when you hire us.

I work differently than most agents. Although you may have found me on the Internet, most of my business comes via repeat and referral clients. Because I do no cold calling, door knocking, or floor time like most agents, I have more time to devote to my clients, before, during, and after the transaction. This increases the level of my service to the limited number of clients I work with.

I can appreciate that a lot of people looking to buy or sell homes have put it off until the COVID-19 virus has passed or is at least under control. For some people, that’s totally fine. If they have no absolute need to buy a house and can wait until they feel more comfortable, they should just wait it out.

The local real estate market has changed significantly in 2021 and continues to change in 2022. Interest rates have jumped back to 2019 rates, prices on houses have risen and rents have risen even more than home prices. We are here to assist you in making the right decision for you, whether it is time to buy, sell or stay put. Your decision is a combination of how you feel about the real numbers and your current and future needs.

I have proven systems to get sellers the top dollar for their homes and to help buyers to get their offer accepted.

Whether you are looking for a 1st or 2nd home or investment property, I can also assist you in finding a top real estate agent almost anywhere in the US or abroad at no additional cost to you...just ask!

Visit my blog at:


Image of Dr. Klein


Dr. Michael D. Klein, D.M.D.


I graduated from Tufts University School of Dental Medicine in 1993. My practice has been an integral part of Encinitas for the past 24 years. Since then we have been committed and dedicated in providing the best care for our patients and will continue well into the future. I am a member of the Academy of General Dentistry, American Dental Association, California Dental Association, Academy of Cosmetic Dentistry and the San Diego Dental Society. The office is a full-service practice providing all dental services, emergency care and family care in a relaxed atmosphere.

 Image of Toye Martindale

Toye Martindale

One Trust Home Loans

Reverse Mortage Loans

I am a Senior Reverse Mortgage Specialist at the Barrett Financial Group here in Encinitas CA. I have been involved with the Senior Financial industry for the past 20 years. My philosophy is to help provide a solution for senior's financial needs and wants by offering them a team of professionals from various industry's that make up this solution. The marriage of these professionals provide seniors and theirs families the needed resources to accomplish important goals and fill important needs for their present and for their future financial security and well being.

Educating Seniors and their families on how to strategically utilize a Reverse Mortgage is just one step in my solution. Educating and working with Financial Advisors/Wealth Managers, Trust Attorneys, Estate Attorney Divorce Attorneys, CSA's, Real Estate Agents, and CPA's are just a few these industries and partners we have here with NCNG. This team of professionals make up and complete this solution for our seniors and their families. I would love to connect with you and share our knowledge and combine our efforts for our senior community!!

Image of Sean Flannery

Sean Flannery

Max Lux Media


Sean Flannery is a San Diego native and Co-founded his video production company, Max Lux Media in 2020. He is passionate about helping business owners and nonprofits tell their stories and create new connections using the power of video. After studying Entrepreneurship at California State University Fresno, Sean launched several successful businesses in the advertisement design and beverage industries. Sean is passionate about creating a positive impact in the local community. In his free time you can find him rock climbing, mountain biking or searching for the next outdoors adventure!"

Our Core Services:

  • Podcasting
  • Product videos
  • Product photography
  • Branding and Event content
  • Aerial drone
Image of Nicole Graham

Nicole Graham

Notary Public & Loan Signing Agent

I am an independent Mobile Notary Public and Notary SIgning Agent. I am certified by the National Notary Association, the Loan Signing System, and I am Fidelity approved. Although I do general notary work, I specialize in notarizing real estate documents. I perform my duties as a Notary Public ethically, and according to California laws and regulations.

When I am not working I enjoy hiking, camping, and reading. The most important things in my life are my family and friends, and the time I spend with them.

Image of David West

David West

KOTA Solar

Solar Energy

I've been working in the solar industry about two and a half years and I absolutely love it! I'm a surfer, skier, skydiver, climber and overall a big-outdoor enthusiast. After graduating from UCLA (go brus!) and becoming an engineer in the oil & gas industry I quickly found that helping homeowners save money on their electricity bill while also making an environmental difference is incredibly more fulfilling. As electric rates continue increasing and California needs to continue the shift towards renewable energy, getting power from the sun like photosynthesis for the home is cheaper and more fun!

KOTA is a national solar installer with our headquarters here in Carlsbad and we primarily aim to help own their power (usually for $0 down) instead of rent it from a utility. We pride ourselves on our core values: Become a Better Person. Create A Better Environment. Give A Better Customer Experience.

I can’t wait to help you gain clarity about what going green looks like for you and discover how KOTA can help you create a better environment (and put more money in your back pocket!).

Image of Eric Anderson

Eric Anderson



Blessed with 20+ years working in the construction trade service I hope to bring a level of professionalism and customer service back into the home repair service industry. With HandEManCo you will find a repair service that can take care of all your Commercial / Residential maintenance and repair needs. Ask what your handyman can do for you!

Ask what your handyman can do for you!

Image of Tim Lopez

Tim Lopez

Managing Director

R1 Commercial

As the Managing Director of R1 Commercial, Tim Lopez possesses a comprehensive understanding of multiple disciplines of Commercial Real Estate, including but not limited to, multi-family, office, retail, industrial, R&D, land development, and site selection, mixed-use, sales, leasing, and investment. Although Mr. Lopez sustains extensive national market knowledge to mentor and oversee Commercial transactions across the U.S., he is residing in Carlsbad, California where he is available for personal representation. Tim was previously the Commercial Director for the Tim Lopez Group and KW Commercial in both Albuquerque, New Mexico, and Carlsbad, California where he maintains licensure in both states. Tim's background includes 32 years of commercial & residential construction as a general contractor and 27 years as a licensed real estate broker. Clients and Associates alike appreciate Tim's knowledge, no-nonsense delivery, and creative approach built through years of hands-on experience, research, and critical thinking.

• Asset Management • Assisted Living - RCFE Valuation and Brokerage
• Multi-family 10 units+ Valuation and Income/Expense Analysis
• Determining the highest and best use of mixed-use properties
• Land/Site Selection and Entitlement-Development Services
• General Contractor/Commercial & Residential Construction
• Project Management Professional PMP/CAPM (University of New Mexico)
• CCIM Candidate
• LEED AP and Green Building Certified Commercial General Contractor
• Commercial "CRE" Mentor
• Residential RE Mentor
• Commercial property management
• OSHA Certified
• BPO Certified

First Financial Credit Union - Point Loma Credit Union - High Desert State Bank/First American Bank - New Mexico Educators Union - Nusenda Credit Union - Consolidated Analytics (BPO Reports and Valuations for California assets) - Citelum USA - Pulte Group – Haven Care Assisted Living – Sandia National Laboratories – NBC/Universal Studios – Netflix Production Company – Garcia Honda Holdings - Club Pilates - Kung Fu Tea – Massage Envy – Hyatt – Hilton - Beehive Assisted Living

Image of Lea Trojanowski

Lea Trojanowski

Family Law Attorney

Griffith, Young & Lass APC

Lea Trojanowski is an attorney with Griffith, Young, and Lass, joining the firm in March 2021. Her pragmatic and level-headed approach to family law has allowed her to be successful in even the most emotional family law cases. Lea has effectively represented clients in a wide range of family law proceedings but is particularly drawn to domestic violence restraining order cases. Lea, a native of Connecticut, received her Bachelor of Arts degree in History and Masters of Science degree in Secondary Education from Hofstra University in New York.

Lea went on to pursue her Juris Doctor degree from California Western School of Law. While at California Western, Lea completed various internships in family, civil, and compliance law but found her passion for family law. Lea enjoys spending time with her family, friends, and her Basset Hound Boomer, watching sports, and spending time on the water in her free time.

Contact Lea and schedule a consultation today.