Chandima Mendis is a financial advisor at Pacific Spirit Investments LP with one year of industry experience. He holds Series 65 and Series 63 credentials and previously spent ten years at Bridgewest Capital Management. Outside of advisory work, he serves as a board member and senior executive for family office organizations and is involved with a technology company as a board member and investor. Pacific Spirit Investments LP offers customized investment management primarily for individuals, families, trusts, and small institutions. The firm employs a bottom-up, quantitative stock-selection process and provides discretionary portfolio management with performance-based fee options available for qualified clients.

Jeremy Kovacevich is a CFP® and holds a Series 66 license with 10 years of industry experience. He currently serves as an advisor at Kaiyo Wealth LLC, where he has worked since 2024, following a 12-year tenure at HoyleCohen, LLC. Kaiyo Wealth LLC serves individual and high-net-worth clients as well as charitable organizations, providing discretionary portfolio management and comprehensive financial planning. The firm employs a Modern Portfolio Theory-based investment approach with an emphasis on ESG funds and uses mutual funds, ETFs, margin, and options trading to implement tailored client strategies.

Brandon Silvia is a CFP® with 13 years of industry experience, currently serving as an advisor at Silvia McColl Wealth Management, LLC. He previously worked at Morgan Stanley and Morgan Stanley Private Bank before joining Silvia McColl Wealth Management in 2018. Outside of his advisory role, he is a managing member of Moonshot Ventures, LLC, a private investment firm. Silvia McColl Wealth Management provides discretionary investment management, financial planning, and retirement plan consulting to individuals, retirement plans, foundations, charities, and businesses. The firm employs diversified model-based portfolio management combined with individualized customization and serves approximately 110 client relationships with around $283 million in assets under management.

As a fee-only fiduciary at Clearview Financial, I am dedicated to providing tax-smart financial planning and investment management that looks at the big picture. Since 2018, I have specialized in building comprehensive strategies where financial decisions are evaluated alongside their tax implications to help clients keep more of what they earn. My professional background is built on a foundation of rigorous education, including a CFP® certification following my time at Gonzaga University and a CPA designation earned after completing my Master’s in Accounting at Sacramento State University. This dual background allows me to offer a technical perspective that ensures tax strategy is a core part of every financial plan. My goal is to provide a clear, coordinated path for your wealth so you can feel confident that your financial decisions are working together for your long-term benefit. When I’m not in the office, you can usually find me in Encinitas, walking the beach with my wife and our dog.

Mary Naber is a financial advisor at Sage Stone Wealth Management LLC with 24 years of industry experience. She holds the Series 66 designation and has been with Sage Stone since 2010. Sage Stone Wealth Management advises individuals, charitable organizations, foundations, pension and profit-sharing plans, and businesses, offering services including portfolio management, financial planning, and investment policy statement creation. The firm’s investment approach combines fundamental analysis with both passive and active strategies, incorporating ETFs, mutual funds, individual equities and bonds, and client-directed ethical screens.

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.

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.

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.

Kunal Gupta is a CFA® charterholder and financial advisor at Gold Path Investment Group with three years of industry experience. His prior roles include positions at LPL Financial, Robert Half International, Aon Corporation, and IBM. Gold Path Investment Group is a newly registered advisory firm that provides asset management and financial planning to individuals, high-net-worth clients, and non-profit organizations. The firm serves a range of institutional clients and employs a combination of fundamental analysis, charting, and modern portfolio theory to construct portfolios across various asset classes.

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.

Ethan Senn is a financial advisor at Sage Stone Wealth Management LLC with one year of industry experience. He holds a Series 65 designation and has worked previously at Primerica and in various roles outside finance, including at Smoky Mountain Pizzeria and Grill. Sage Stone Wealth Management LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, charitable organizations, retirement plans, and businesses. The firm uses a combination of active and passive investment strategies with a focus on fundamental analysis, offering tailored portfolios that may include ethical or faith-aligned screens and emphasizes client education and governance.

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.