Cheryl Gruetzmacher is a financial advisor at Balboa Wealth Partners, Inc. with 20 years of industry experience. She holds the Series 66 designation and has been with Balboa Wealth Partners since 2016. Balboa Wealth Partners is an SEC-registered investment adviser serving individuals, high-net-worth clients, trusts, estates, charitable organizations, businesses, and retirement plans. The firm manages over $1.07 billion in assets and employs a team structure that utilizes both discretionary and non-discretionary mandates, focusing on a long-term, diversified investment approach using low-cost mutual funds, ETFs, and other securities.

Kevin Sevier is a financial advisor with Dark Horse Advisors LLC in Rancho Santa Fe, CA, holding the Series 63 and Series 65 licenses and 22 years of industry experience. His career includes roles at DFPG Investments, Inc., Advanced Wealth Planning, First Allied Securities, Inc., and Osaic FA, Inc. Additionally, he is involved in a life insurance business. Dark Horse Advisors, LLC provides discretionary portfolio management, financial planning, and retirement plan consulting to individuals, high-net-worth clients, trusts, and employer plans. The firm uses a multi-method investment approach combining fundamental, technical, quantitative, and macroeconomic analysis, employing both active and passive strategies and offering clients access to affiliated CPA services.

Brian Peterson is a financial advisor with Intelligence Driven Advisers, LLC in Carlsbad, CA. He holds Series 65 and Series 63 licenses and has seven years of industry experience. His prior roles include positions at Mutual of America and Tri Ad. Intelligence Driven Advisers, LLC is an SEC-registered multi-team advisory firm managing approximately $882 million for individual and institutional clients, including retirement plans, trusts, estates, and Native American sovereign entities. The firm employs a risk-managed investment process using primarily low-cost mutual funds and ETFs, and offers services such as financial planning, discretionary investment management, retirement plan solutions, and consulting.

Stephanie Provost is a financial advisor at Invicta Financial Group in San Diego, CA, holding a Series 65 designation. She has one year of industry experience, with prior roles at BDT & Associates, Inc., Trippe, Apex Construction, and several other companies dating back to 2012. Invicta Financial Group provides financial planning and advisory services to individuals, high-net-worth clients, and business entities, emphasizing written financial action plans tailored to client goals. The firm refers clients to third-party money managers for portfolio management and focuses on non-discretionary advisory assets, a structure that is uncommon among multi-advisor firms.

Robert Paterson is a financial advisor at Intelligence Driven Advisers, LLC with 14 years of industry experience. He holds a Series 66 designation and has previously worked at Labrum Wealth Management, LLC and Beta Wealth Group, Inc. Outside of advising, he is also involved as an insurance agent with LWM Insurance Solutions. Intelligence Driven Advisers, LLC is an SEC-registered multi-team firm managing approximately $882 million for individual and institutional clients. The firm offers financial planning and discretionary investment management through model portfolios and custom accounts, emphasizing risk management and fundamental analysis.

Barbara Williams is a CFP®-credentialed financial advisor with 44 years of industry experience. She is a partner at Financial Focus LLC and has held roles at OSAIC, Securities America, Inc., and National Planning Corp. Williams serves as a board member on the Coastline Legacy Committee, which oversees outreach projects for a local church. Financial Focus LLC provides investment advisory and financial planning services to individuals, trusts, estates, charitable organizations, businesses, and retirement plans. The firm manages accounts on a discretionary basis using model portfolios and sponsors a wrap fee program that combines management and transaction coverage into a single advisory arrangement.

Ben Mccollum is a financial advisor at Pacific Point Wealth Management with eight years of industry experience. He holds a Series 66 designation and has previously worked at Independent Financial Group, LLC, X Advisors, LLC, and Xton Financial, LLC. Outside of his advisory role, he conducts consulting on valuation and M&A deals, as well as business optimization, through independent contractor positions. Pacific Point Wealth Management is a five-advisor team offering discretionary asset management and comprehensive portfolio management services to individuals, trusts, estates, and business clients. The firm manages tailored portfolios using a combination of fundamental and technical analysis, employing long-term, short-term, and trading strategies, and discloses use of derivatives and margin in its managed accounts.

James Puplava is a CFP® with 44 years of experience in the financial services industry. He is the founder of Financial Sense Advisors, Inc. and has held prior roles at Puplava Securities, Inc. and Puplava Financial Services, Inc. Puplava is also involved in media through Financialsense.com, where he participates in podcasts and writes articles. Financial Sense Advisors, Inc. is a registered investment adviser managing approximately $836 million for individuals, retirement plans, trusts, and other entities. The firm employs a team of nine advisors and uses a combination of fundamental and technical analysis to provide discretionary portfolio management, comprehensive financial planning, and retirement-plan consulting tailored to client-directed investment objectives.

Thomas Brenner is a financial advisor with DLK Investment Management in Solana Beach, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. He worked at Nautilus Advisors LLC for nine years before joining DLK Investment Management in 2019. In addition to his advisory role, Brenner is an independent insurance agent specializing in disability, life/accident/health, and long-term care insurance. DLK Investment Management offers fee-only investment management, financial planning, and retirement plan consulting to individuals, trusts, estates, charitable organizations, and small institutional investors. The firm employs a fundamental relative-value approach to asset allocation and customizes accounts based on documented client profiles while providing proprietary performance reports and participant education as part of its retirement plan services.

Jacob Montes is a financial advisor at Dark Horse Advisors LLC with two years of industry experience. He holds a Series 65 designation and has worked at Dark Horse Advisors since 2023, following a role at DFPG Investments, LLC. Dark Horse Advisors LLC serves individual and high-net-worth clients, retirement plan sponsors, trusts, estates, and business entities by providing discretionary portfolio management, financial planning, and retirement plan advisory services. The firm’s investment approach combines fundamental, technical, quantitative, sentiment, and cyclical analysis with tax-aware strategies and third-party managers, and it operates as a subsidiary of an accounting firm, offering both asset-based and subscription-style fee arrangements.

Adrienne Cooper is a financial advisor at Hamilton-Bates Investment Research, Inc. with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Hamilton-Bates since 2015. Outside of her advisory role, she has experience working in guest services for professional baseball and supervising event operations at football games. Hamilton-Bates Investment Research, Inc. provides asset management services to individuals, pension and profit-sharing plans, charitable organizations, and businesses. The firm utilizes a combination of fundamental, technical, quantitative, and asset-allocation methods, offering both discretionary separate-account management and model portfolio programs.

Peter Campbell is a CFP® professional with nine years of industry experience. He has worked at Bull Oak Capital, LLC since 2022 and previously held roles at Wealth Analytics Partners and Cambridge Investment Research Advisors. Outside of finance, he was involved with the Aviara Golf Academy for three years. Bull Oak Capital serves individual and high-net-worth clients with comprehensive financial planning and discretionary portfolio management. The firm employs a diversified investment approach using primarily exchange-traded funds, tailoring portfolios to client goals, and manages approximately $261.6 million in discretionary assets across a multi-adviser team.

Rene De Charon is a CFP® and Series 63 credentialed advisor with 26 years of industry experience. He has worked at American Money Management, LLC since 2021 and previously spent seven years at Wealth Quest Partners, Inc. He is also the principal of RJ Financial Partners, LLC, a financial services business. American Money Management, LLC serves individual clients, including high-net-worth households, as well as institutional clients such as pension plans and trusts. The firm offers discretionary portfolio management, 401(k) advisory services, and financial planning, with an investment committee overseeing customizable, asset-allocation oriented strategies.

Mark Halby is a CFP® with 16 years of industry experience, currently serving at DLK Investment Management since 2019. Prior to that, he worked at Nautilus Advisors LLC for six years. Outside of his advisory role, he is involved in an insurance agency operated by his family. DLK Investment Management provides personalized investment management and financial planning services to individuals, trusts, estates, charitable organizations, small institutional investors, and employer retirement plans. The firm employs a tailored, allocation-driven approach based on a fundamental relative-value framework, managing approximately $435 million in client assets.

Rosario Scappaticci is a Series 65-licensed financial advisor at Red SEVEN with two years of industry experience. Prior to joining Red SEVEN, Rosario was a student for ten years. Red SEVEN provides comprehensive financial planning and discretionary portfolio management to individuals, high-net-worth clients, pension and profit-sharing plans, and charitable organizations. The firm customizes portfolios based on individual goals, risk tolerance, and time horizon, employing a combination of fundamental and technical analysis with regular account reviews.

Meaghan Hemmings is a CFP® professional with over 17 years of experience in the financial advisory industry. She has worked at Ward & Associates from 2008 to 2024 and currently serves at Blankinship & Foster, LLC since 2024. Blankinship & Foster is an SEC-registered advisory firm with a nine-advisor team managing approximately $940 million for individuals, high-net-worth clients, trusts, estates, small businesses, charitable organizations, and pension/profit-sharing plans. The firm follows an asset-allocation driven investment approach supported by a documented process that includes goal-setting, portfolio construction, security selection, and ongoing monitoring.

Ryan Hughes is a financial advisor at Bull Oak Capital, LLC with 16 years of industry experience. He holds a Series 66 designation and has worked at Bull Oak Capital since 2014, following prior roles at Charles Schwab, Morgan Stanley, and Merrill. Bull Oak Capital serves individual and high-net-worth clients by providing comprehensive financial planning and discretionary portfolio management. The firm employs a broadly diversified investment approach primarily using exchange-traded funds, with portfolios customized to clients’ goals and risk tolerance.

Blake Feindel is a financial advisor at Dark Horse Advisors LLC with 15 years of industry experience. He holds the Series 66 designation and has held roles at Presidio Capital Management, Blake Feindel Consulting, and Ccg Wealth Management among others. Dark Horse Advisors LLC serves individual and high-net-worth clients as well as retirement plan sponsors, offering discretionary portfolio management, financial planning, and fiduciary services. The firm employs a diverse investment approach that includes fundamental, technical, quantitative, and tax-aware strategies, and operates as a subsidiary of an accounting practice, enabling integrated advice through a hybrid model of services.

Clark Evans is a financial advisor at Highline Wealth Partners with nine years of industry experience. He holds a Series 65 designation and previously worked at Hall Private Wealth Advisors for seven years. Outside of advising, Evans is also an independent insurance agent in California. Highline Wealth Partners serves individuals, trusts, foundations, retirement plans, and business entities, offering a range of services including investment management, financial planning, family office services, and corporate retirement plan consulting. The firm uses a centralized Investment Committee for portfolio decisions and provides regular client reporting and education.

Matthew Rose is a CFP® and ChFC® with 15 years of industry experience. He has worked at Invicta Financial Group since 2026 and spent over a decade with First Command Advisory Services and its affiliated entities prior to that. Outside of his advisory work, he is the CEO of LAM LLC, a company involved in property transactions. Invicta Financial Group provides financial planning and advisory services to individuals, high-net-worth clients, and business entities, focusing on tailored written financial action plans. The firm refers clients to selected third-party money managers and does not exercise trading discretion or manage portfolios directly.