Andrew Sontag is a CFP® with 20 years of industry experience, currently serving as an advisor at Carlsbad Wealth Advisory Group, Inc. since 2008. He holds a Series 66 designation and works out of Carlsbad, CA. Carlsbad Wealth Advisory Group offers discretionary portfolio management and comprehensive financial planning to a range of clients including individuals, high-net-worth households, trusts, foundations, and charitable organizations. The firm’s investment approach centers on asset allocation using primarily exchange-traded funds (ETFs), focusing on low expense ratios, internal diversification, and liquidity, while managing all client assets in-house.

Heather Sontag is a CFP® professional at Carlsbad Wealth Advisory Group, Inc. with six years of industry experience. She has worked at Carlsbad Wealth Advisory Group since 2019 and concurrently holds a senior staff accountant position at Solar Turbines Incorporated. Carlsbad Wealth Advisory Group provides discretionary portfolio management and comprehensive financial planning to individuals, high-net-worth households, trusts, foundations, pensions, and charitable organizations. The firm emphasizes asset allocation primarily through exchange-traded funds (ETFs) and manages all client assets in-house, focusing on low expense ratios and internal diversification.

Matthew Brayer is a Certified Financial Planner™ (CFP®) associated with Carlsbad Wealth Advisory Group, Inc. He has been with the firm since 2023 and has prior experience working at UC San Diego and Brookfield Central High School. Carlsbad Wealth Advisory Group offers discretionary portfolio management and comprehensive financial planning services to a diverse client base including individuals, high-net-worth households, trusts, and charitable organizations. The firm’s investment approach centers on asset allocation through exchange-traded funds (ETFs), emphasizing internal diversification, low expense ratios, and in-house management of client assets.