Michael Hyat is a CFP® with 37 years of industry experience. He has been with Independent Financial Group, LLC and its predecessor firm since 2004, and previously operated Hyat Financial Services for over three decades. In addition to his advisory work, he serves as a board member for his local homeowners association. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and organizations. The firm employs a combination of firm- and third-party investment models to develop tailored strategies aligned with client risk profiles, offering a mix of passive and active investment exposures.

Michael Tobin is a financial advisor with Independent Financial Group, LLC in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. His prior experience includes roles at Hartford Funds Management Company, LLC, Hartford Funds Distributors, LLC, LPL Financial, and Invesco Advisers, Inc. He has worked with Capital Growth Inc. and Independent Financial Group since 2026. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm utilizes firm- and third-party models, combining strategic asset allocation with multi-manager portfolios and ongoing due diligence, offering both discretionary and non-discretionary portfolio management through multiple platforms.

William Brennan is a financial advisor with Independent Financial Group, LLC in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He has worked at Independent Financial Group and affiliated entities since 2003, with prior experience at Sentra Securities Corporation from 2000 to 2003. Outside of his advisory role, Brennan serves as a board member of St. Pat's Church. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm employs a combination of firm- and third-party models for portfolio management, blending strategic asset allocation with multi-manager and hybrid portfolios across various risk profiles.

Marcella Harkness is a CFP® professional affiliated with Independent Financial Group, LLC, with 35 years of experience in the financial industry. She previously worked at Capital Growth Investment Management Services and Sentra Securities Corporation. Harkness also serves as an independent contractor arbitrator on FINRA arbitration panels. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm employs a model-driven approach combining active and passive strategies, offering financial planning, portfolio management, and retirement plan services.

Scott Dickerson is a financial advisor with Independent Financial Group, LLC, holding the CFP® and ChFC® designations and over 36 years of industry experience. His career includes roles at Sentra Securities Corporation and Capital Growth Investment Management Services. Dickerson serves as a trustee for multiple family trusts. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate plans, and charitable organizations. The firm employs a range of investment strategies including discretionary and non-discretionary portfolio management, using both firm- and third-party models tailored to client risk profiles.

Jay Wurtzler is a CFP® with 39 years of industry experience, currently affiliated with Independent Financial Group, LLC. He has worked at Hagerty Stewart & Associates LLC and Independent Financial Group Inc for 23 years, and has been associated with Capital Growth Inc. since 1988. He also holds a California insurance agent license and offers various insurance products outside of his work with IFG. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers financial planning and portfolio management using a combination of firm- and third-party models, employing both passive and active investment strategies across standard risk profiles.

Arthur Molloy is a CFP® and CFA® credentialed advisor with 45 years of experience in the financial industry. He is affiliated with Independent Financial Group, LLC and has been with the firm since 2003. Molloy is also the president and founder of Capital Growth Inc., a marketing DBA he has managed since 1983. In addition, he serves as a volunteer board member for the Brisa at Del Mar Mesa Homeowner's Association. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm offers financial planning and portfolio management through various platforms, combining strategic asset allocation with multi-manager portfolios using both passive and active investment strategies.

Matthew Belardes is a CFP® and CFA® with 20 years of experience in the financial services industry. He is currently with Independent Financial Group, LLC, where he has worked since 2017, following roles at Wells Fargo Clearing, Credit Suisse Securities, Morgan Stanley, and Citigroup Global Markets. He is also the owner of Praesidio Estate Planning, providing estate planning advice and document drafting. Independent Financial Group, LLC offers investment advisory and brokerage services to a wide client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm employs a combination of firm- and third-party investment models with ongoing due diligence, managing portfolios that blend passive and active strategies across various risk profiles.