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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.

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Russ Fujii

Edward Jones

Financial Advisor

Vice-President, 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

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Joe Markowitz

Dream Home Cinema & Computers

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.

Patty Jones

Interior & Exterior Environment Designs, Inc.

Landscape Design

Sergeant-At-Arms, NCNG

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.

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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.

Personal Insurance:

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

Commercial Insurance:

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

See Full Product Offering

CA License #: 0G06855

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Sandra Sapol

Fully Promoted Carlsbad
(Formerly EmbroidMe)

Promotional Material

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

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Mitch Cardinal

Digital Marketing, Content Production, Tech Consultant

Secretary,Tech & Digital Marketing Director, NCNG

I help small businesses and entrepreneurs:

  • ⭐ Transform their digital business presence,
  • ⭐ Improve their online performance, and,
  • ⭐ Simplify their adoption of new technology.

Times have changed. Our businesses must adapt and transform quickly to get back on track and grow. Together, we work to alter the trajectory of your business into this new digital world, integrating with technologies and strategies that provide “more bang for your buck” and access to new opportunities.

For you and your business to stand out in today’s digital world, it is critical to captivate your potential customers. For this you need engaging content, and they need to be able to find you easily. Otherwise, you are losing opportunities

Services I provide:

  • ⭐ Digital Transformation for Small & Mid-sized Businesses
  • ⭐ SEO & Digital Marketing
  • ⭐ Hosting in the Cloud
  • ⭐ Website Reliability
  • ⭐ Digital Content Creation (Video & Images)
  • ⭐ Tech Advisory
  • ⭐ Modern Website/App Development

My focus is on helping small businesses and professionals succeed. By helping you win, I win. I relish the process of helping you create and tell your story and work your digital presence until it shines and captivates your audience.

READY TO TALK? Let me know how I can help you. Connect with me directly on LinkedIn, call me @ 760-888-7185, or email me

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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.

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David Silva

Payroll Centric - Senior Business Consultant

Payroll Services

Social Chair, NCNG

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.

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Kevin Allen

PCH Dry Carpet Cleaning

Dry Carpet Cleaner, Residential & Commercial

Philanthropy Chair, NCNG

My exclusive 3-step process is second to none when it comes to deep cleaning your carpets AND the carpets are dry in about 1 hour. Satisfaction Guaranteed.

My primary business is Professional Dry Carpet Cleaning but I also do a phenomenal job deep cleaning tile and grout, sealed wood, laminate, linoleum and VCT tile.

This all started when more than 1 of my equipment clients asked if I did the VLM (Very Low Moisture) carpet cleaning that I was selling the equipment to accomplish. I spent the next 2 years testing different carpet cleaning solutions and with the help of a friend in the chemical business, developed a proprietary blend of cleaning products that deep clean fantastic! Along with my exclusive 3-step cleaning process PCH Dry Carpet Cleaning was born.

Punam Chowdhury, MD


Anti-Aging, Skin Care, & Wellness

I am fortunate to have started my journey in medicine many years ago and to be board certified in internal medicine.

For 12 years I have enjoyed living in sunny San Diego. I have 16+ years of experience in internal medicine and urgent care medicine and I am an associate professor at the University of California, San Diego. In the hope to find further professional growth and a new challenge, I pursued entrepreneurship due to my love for skincare and wellness. A fellow physician introduced me to Neora a few years ago and I fell in love with their cutting edge, unique science-based botanical products with patented ingredients formulated in biotech companies likely Signum Bioscience on Princeton University’s campus.

When I started using Neora, my skin became smoother, more youthful, and luminous, and I noticed my friends, family, and even strangers asking me about my skincare regimen. As I used the wellness products, my sleep and focus improved, which was especially important at the time due to my ever-changing, emergency department night and day schedule. I noticed feeling more energized and healthy. Additionally, Neora’s culture based on the cultivation of happiness, encouragement of daily productive habits, positive thinking, and an incredible support system, ultimately drew me to start my own Neora business.

I have the honor of being a brand partner of Neora. I market their products and am involved in the ripple effect of their “live happy” culture.

Neora has become one of the fastest growing anti-aging companies since its start in 2011. We are available in over 12 countries. Our innovative products include multifunctional and botanical anti-aging skincare, wellness and more recently hair care products. I am so excited to share Neora with you and your family. Contact me to learn more.

Dennis Smith


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

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 assistant and she has been licensed since 1998. You will have a great team working for you when you hire us.

I can appreciate that a lot of people looking to buy or sell homes have thought about putting 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. It’s just not that cut and dried for a lot of buyers and sellers, though. Life can’t be put on hold entirely — especially since we don’t really know how long “waiting it out” will be. So, for a lot of people, the question has become, how should we proceed?

I am still actively assisting buyers and sellers while following proper COVID19 protocols of physical distancing, virtual meetings & showings and proper PPE (masks, gloves, booties & hand sanitizer) while viewing properties. You can see the virtual buying & selling programs I use to help you feel confident and safe and to protect everybody during the process. Visit my blog at:


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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.

Tad Lent II

TLI Construction & Development Inc.

General Contractor

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

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Roudi & Bijan Matin

Foot Solutions Encinitas

Experts in Foot Wellness

Bijan 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!

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Toye Martindale

Barrett Financial Group

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!!

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Eric D. Norvell, Attorney, P.A.

Business Attorney & Litigation

With more twenty-five years as a consultant and counselor, and with thirteen of those years as an attorney in commercial practice, I leverage a diverse skill set and significant experience to meet every client's specific demands.

Litigation: I am a seasoned trial advocate and negotiator. I have litigated in state and federal court, from distant rural courthouses to the Tenth Circuit Court of Appeals. My clients are individuals and companies of a ll sizes with cases as various as their own businesses and personalities, from contracts to injuries to shareholder disputes to class actions.

General Counsel/Business Transactions: I counsel individuals and businesses from start-up to wind-up. I help clients to plan for successful journeys in business and to avoid the difficult road of unnecessary legal conflict. In many industries, I advise clients in matters of business strategy, deal making, financial and succession planning, operations, employment, and organizational change.

  • Licensed to Practice Law in California and New Mexico
  • Member: San Diego County Bar; North County San Diego Bar; Inns of the Court – Lopardo Chapter
  • Education: Rice University (B.A); Boston University (M.A.); University of New Mexico (J.D.)
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John Messina, CPA

Van Riper & Messina CPAs, Inc.

Tax Preparer

Van Riper & Messina CPAs, Inc. (VRM), is a full-service CPA firm located in Carlsbad, California.

My goal as CPA and owner of VRM is to provide the highest quality, personal service to our clients throughout Southern California while maintaining a laid-back, low stress approach to CPA services.

My passion as a CPA and a business owner is to promote small businesses and help business owners navigate the challenges of taxes, accounting and business decisions. Along with specializing in small business taxes my firm provides personal tax, tax planning, consulting, and audit and attest services.

I grew up in Encinitas, went to Chico State for college and I have a lovely wife Laura and two sons, Jack (7 years old) and Luke (5 years old).

When you don’t find me in the office, you may see me catching waves at the beach or on the sidelines at my children’s sporting events.

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Claire Houston

Minute Marketing

Email Marketing Manager

"Saving You Time So You Can Get Back To What Matters Most"

We help small business owners and entrepreneurs use digital marketing strategies to take their business to the next level. Whether through our paid services or our free resources, our mission is to give you back your most valuable resource: time.

Our Core Services:

  • Social Media Management
  • Content Creation
  • Email Marketing Campaigns
  • Professional Writing for Blogs
  • Marketing Automation
  • Lead Nurturing Campaigns
  • CRM Integration
  • Paid Ads
  • Analytics
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Lea Trojanowski, Esq.

Griffith, Young & Lass

Family & Divorce Law Firm

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.

In her free time, Lea enjoys spending time with her family, friends, and her Basset Hound Boomer, watching sports, and spending time on the water.