True Passive Wealth:
How to Defer Capital Gains,
Roll Through a 1031 Exchange, and
Generate Real Passive Income in Southern California

Since 2005, real estate has been Ryan's professional focus. As a broker with expertise in investment and property management, Ryan closed more than 150 REO properties between 2009-2012, managed hundreds of rental units, orchestrated 100+ investment projects from start to finish and has been a guest speaker at numerous California Association of REALTOR (C.A.R.) events.

With an education in entrepreneurship from Purdue University and the University of Southern California, Ryan has combined his experience and leadership strength to move the Kingdom Forward through Capital & Influence, his real estate brokerage as well through his property management company, Ottosen & Co.

Mike Hardy is a multifaceted professional, excelling as an Ironman athlete, student pilot, real estate investor, speaker, and nationally ranked top 1% mortgage originator. With ETHOS Lending Mike leads a top-performing team who has helped over 10,000 families secure refinance or purchase mortgages over the past 20 years. His leadership is marked by a unique, holistic perspective on mortgage management, incorporating a true financial planning approach to lending.

Beyond his mortgage expertise, Mike is a seasoned real estate investor with experience in over 100 real estate projects, and a recognized authority on Opportunity Zones. He has shared his insights at prominent national mortgage and real estate conferences, including Keller Williams Family Reunion and Todd Duncan's High Trust Academy, and his expertise has been featured in CBS News, Fortune, Forbes, Yahoo Finance, USA Today, and numerous podcasts.

On the personal front, Mike has been happily married for 27 years and is a proud father of four. He has built a winning formula for the art of work-life balance, allowing for systematic growth in all areas of life without compromise. Mike enjoys mountain climbing, working out, spending time at Big Bear Lake, and, above all, investing in quality time with his children.

Jon Taylor leads a national team that specializes in helping high-net-worth investors transition from actively managed real estate into diversified, tax-efficient, passive investment portfolios. Known for his consultative approach and deep knowledge of 1031 exchanges, DSTs, and REIT strategies, Jon equips clients with the tools they need to preserve wealth, minimize taxes, and create lasting legacies. Outside of work, he enjoys biking, golf and time with his wife Kim and their three daughters.