Andrew Jensen is a financial advisor with WFA of San Diego, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked at Crystal Capital Partners from 2014 to 2020 and has been with WFA of San Diego and Zermatt Wealth Partners since 2021. WFA of San Diego is a fee-only registered investment adviser serving individuals, retirement plans, trusts, estates, charitable organizations, and small businesses. The firm emphasizes asset allocation, third-party research, and individualized investment policy statements, with a focus on fiduciary considerations and a unique shared governance structure with related advisory entities.

Chris Cho is a CFA® charterholder with seven years of industry experience, currently serving as an advisor at Fairbanks Capital Management, Inc. since 2015. He holds the Series 63 license and is based in Rancho Santa Fe, California. Fairbanks Capital Management provides discretionary investment management primarily to individual clients, including high-net-worth and non-HNW individuals, as well as institutional entities such as foundations, trusts, IRAs, and pooled investment vehicles. The firm employs a concentrated, long-term equity approach focused on purchasing businesses below intrinsic value, manages investment-grade fixed income with active duration control, and applies explicit risk controls within a purely discretionary framework.

Cortland Gray is a CFP® with seven years of industry experience, currently serving as an advisor at Financial Planning Consultants in San Diego, CA. He previously worked at LPL Financial and held roles at Dansr Inc and Bge Financial Corporation over a ten-year period. Gray is also involved with Financial Planning Consultants as an independent registered investment advisor. Financial Planning Consultants provides financial planning and consulting services to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm offers comprehensive financial plans and periodic reviews, focusing on advising clients about various investments through a planning-only model without managing client assets.

Michael Holland is a financial advisor with The Holland Group, Inc. in San Diego, CA, holding a Series 66 designation and 25 years of industry experience. He has previously worked at Western International Securities, Inc. and LPL Financial LLC. Outside of advisory services, he owns and manages MY RACE SHOP LLC, a non-investment-related business. The Holland Group provides discretionary investment management primarily to individual and high-net-worth clients, using a combination of fundamental, technical, and economic analysis alongside asset-allocation software. The firm emphasizes personalized portfolios with listed equities and employs diversification and periodic rebalancing as key risk-management strategies.

Scott Williams is a CFP® and CFA® with 28 years of industry experience. He has been with Clutinger Williams & Verhoye Inc in San Diego, CA for over three decades. Clutinger Williams & Verhoye is a fee-only investment management firm serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm employs an active, tactical asset allocation approach using individual stocks, bonds, ETFs, and some closed-end funds, with portfolios managed primarily on a discretionary basis.

Jack Heilbron is a financial advisor at Centurion Counsel Inc in San Diego, CA, holding Series 63 and Series 65 licenses with 40 years of industry experience. He has been associated with Centurion Counsel Inc since 1984 and is also President of Puppy Toes, Inc., a holding company unrelated to investment activities. Centurion Counsel Inc offers a discretionary Strategic Asset Allocation wrap-fee program serving individual and institutional clients, managing approximately $58.5 million across 143 accounts. The firm employs Modern Portfolio Theory and optimization software to construct diversified portfolios tailored to client risk and reward objectives and manages accounts on a discretionary basis.

Arley Gonzalez is a CFP® with three years of industry experience, currently serving as a financial advisor at Koa Wealth Management, LLC. Prior to joining Koa Wealth Management, he worked at Blankinship & Foster LLC and Premier Wealth Advisors. Koa Wealth Management provides financial planning, investment management, and retirement-plan consulting to individuals, high-net-worth clients, trusts, estates, charities, and business entities. The firm integrates fundamental and technical analysis to build portfolios customized to clients' risk tolerance and investment objectives, managing approximately $255 million with a two-advisor team.

Scott Bramwell is a financial advisor at Eiger Wealth Management, LLC with 21 years of industry experience. He holds the PFS™ designation and Series 65 license. Prior to joining Eiger Wealth Management in 2019, he worked at Cornerstone Wealth Management for 16 years. Eiger Wealth Management advises individual accredited and high-net-worth clients, as well as qualified retirement plans, trusts, and other entities. The firm employs a multi-asset investment approach that includes equities, fixed income, interval funds, and private placements, often delegating portfolio segments to third-party managers while providing access to private and real-estate-focused investments.

Mary Van Nostrand is a CFP® professional with 22 years of experience in financial advisory services. She has worked at Van Nostrand Wealth Management LLC since 2019 and previously spent eight years with Duttenhofer Advisory Group. Van Nostrand Wealth Management LLC serves individual clients, including high-net-worth households, retirement plans, and small businesses, offering integrated wealth management that combines financial planning and investment management. The firm customizes its investment approach based on each client’s goals and risk tolerance, using a mix of passive and active strategies primarily through mutual funds and exchange-traded funds.

Udo Herges is a financial advisor with Herges Capital Management in San Diego, CA, holding Series 63 and Series 65 credentials and having nine years of industry experience. He has been with Herges Capital Management since 2013. Herges Capital Management provides discretionary portfolio management to private clients, including high-net-worth individuals and trusts, focusing on low-cost, tax-efficient, long-only investment strategies. The firm uses quantitative selection methods, emphasizes direct holdings of individual stocks and bonds, and applies ethical exclusion criteria alongside risk-weighted commodity allocations.

Evan Compton is a financial advisor at TruFinancial Registered Investment Advisory Services, Inc. with 12 years of industry experience. He holds Series 63 and Series 65 designations and has been with TruFinancial and its affiliated insurance services since 2016. In addition to his advisory role, Compton is a licensed insurance agent and serves as vice president of sales at TruFinancial & Insurance Services Inc. TruFinancial Registered Investment Advisory Services, Inc. provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients. The firm employs a multi-method investment approach, including fundamental and technical analysis, and manages approximately $44 million across about 267 accounts with tailored portfolios documented through Investment Policy Statements.

Jodi Vleck is a CFP® professional with 22 years of industry experience, currently serving as an advisor at Beta Wealth Group, Inc since 2012. She holds Series 63 and Series 65 licenses. Beta Wealth Group serves individuals, high-net-worth clients, and institutional clients, offering portfolio management, financial planning, retirement plan consulting, and institutional sub-advisory services. The firm’s investment approach is individualized and includes the use of ETFs, mutual funds, stocks, bonds, option strategies, and delegated management.

Shaun Cornell is a CFA® charterholder and Series 65 licensed advisor with six years of industry experience. He is the principal at Cornell Capital Group LLC, where he has worked since 2019. Prior to this, he held roles at Compass Inc and SMBP. Outside of finance, Shaun is a self-employed musician and composer. Cornell Capital Group provides portfolio management services to a select group of high-net-worth individuals, focusing on customized Investment Policy Statements and discretionary oversight. The firm employs a blend of fundamental analysis, quantitative models, and modern portfolio theory, with an emphasis on equities and the use of derivatives and options within separately managed accounts.

Nick Bartolo is a CFA® charterholder with five years of industry experience. He is currently an advisor at Essential Partners LLC and has prior experience with HKK Capital, Rational Capital, and International Value Advisers. Bartolo is also a managing member of Rational Capital, an early-stage investment business. Essential Partners LLC provides discretionary asset management and financial planning services to high-net-worth individuals, trusts, estates, and charitable organizations. The firm employs a bespoke investment process focused on global diversification and an economic-environment framework, combining active and passive strategies with fundamental analysis.

Robert Bernstein is a financial advisor with Rgb Capital Group in San Diego, CA, holding a Series 65 credential and 17 years of industry experience. He has been with Rgb Capital Group since 2009. Bernstein serves as President of the San Diego Chapter of the American Association of Individual Investors, a nonprofit that organizes investment education events. Rgb Capital Group is a state-registered investment adviser providing discretionary portfolio management to individuals, charitable organizations, and business entities. The firm focuses on capital preservation and active risk management, employing mutual funds and ETFs across multiple strategies, and offers both managed and client-directed trading services.

Tyler Birch is a financial advisor at Lightcap Financial Group, LLC in San Diego, CA. He holds a Series 65 designation and has been in the industry for one year. His prior experience includes roles at CDW and positions related to education and retail. Lightcap Financial Group is a recently formed registered investment adviser serving individuals, trusts and estates, and business and retirement-plan sponsors. The firm offers discretionary portfolio management, standalone financial planning, and retirement plan consulting, utilizing a variety of analytic approaches across multiple investment instruments.

Sandeep Varma is a financial advisor at ATS Wealth Management with 36 years of industry experience. He holds the Series 63 designation and has worked with firms including Simplicity Wealth, Cetera, and Avantax, among others. In addition to his advisory work, Varma has been involved in public speaking for over 26 years. ATS Wealth Management provides financial planning and discretionary asset management to individuals, high-net-worth clients, charitable organizations, trusts, and businesses. The firm manages approximately $383.6 million in assets across nearly 500 client relationships and offers model portfolios ranging from aggressive growth to conservative strategies, incorporating various investment vehicles and third-party sub-advisers.

John Simon is a CFP® with 26 years of industry experience. He is affiliated with Pacific Capital Associates and has held roles at Mutual Securities, Inc., Cetera Advisor Networks LLC, and Girard Securities Inc. Outside of his advisory work, he serves as a recreation specialist referee for youth and adult hockey games in the City of Escondido. Pacific Capital Associates provides portfolio management, financial planning, retirement plan consulting, and account monitoring services to individuals, trusts, retirement plans, and business entities. The firm employs a valuation-driven, value investing approach with global diversification and emphasizes cost control through the use of low-cost index ETFs alongside selectively chosen active funds.

Hubert Collins is a financial advisor at GROW Funds LLC with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has served as an investment adviser representative at Messner & Smith since 2015. Collins is also a director of the Thomas C. Ackerman Foundation, a charitable organization making grants to nonprofit institutions in the San Diego area. GROW Funds LLC provides discretionary investment management to individuals, pension and profit-sharing plans, businesses, and institutional clients. The firm manages separately managed accounts and privately offered funds, employing a bottom-up, fundamental small-cap long/short research process and offering performance-based compensation arrangements for eligible investors.

Timothy Schneider is a CFP® and holds a Series 66 license with 20 years of experience in the financial industry. He currently works at ACAS, LLC, operating as Tate Asset Management and DCO Wealth Management. He has been with ACAS since 2013. ACAS, LLC serves individuals, including high-net-worth clients, pension and profit-sharing plans, trusts, estates, and corporate entities with investment supervisory services, discretionary advisory, and financial planning. The firm offers both ongoing portfolio management and limited investment consulting, employing a variety of asset types and trading strategies, and provides specialized ERISA-focused retirement plan services for plan sponsors.