Wesley Melbrod is a financial advisor with M Wealth Management, LLC in San Diego, holding a Series 65 designation and 11 years of industry experience. He has been with M Wealth Management since 2015 and previously operated Melbrod Financial Services from 2008 to 2017. In addition to his advisory role, he prepares taxes for existing advisory clients and related parties through Melbrod Financial Services. M Wealth Management provides discretionary asset management and financial planning to individuals, including high-net-worth clients, and business clients. The firm employs an evidence-based, long-term investment approach that emphasizes strategic asset allocation, broad diversification, cost control, tax-aware implementation, and behavioral coaching, with integrated in-house tax planning and preparation services.

Edward Buchan is a CFP® professional with 24 years of experience in financial advising. He has been with Ted Buchan & Company since 2006. The firm provides investment advice and financial planning primarily to individual and high-net-worth clients, managing portfolios through tailored models that combine fundamental and technical analysis. Ted Buchan & Company oversees a substantial asset base with a focus on discretionary and non-discretionary portfolio management and standalone financial plans.

Barry Waits is a financial advisor at Waits Investments, LLC in Carlsbad, CA, with 14 years of industry experience. He holds Series 63 and Series 66 designations and has led Waits Investments since its founding in 2012. Outside of his advisory work, he manages a rental property in Maui through a property manager. Waits Investments primarily serves individual investors, trusts, estates, and charitable organizations with personalized financial planning, hourly consulting, and portfolio management. The firm employs a long-term, asset-allocation focused investment approach using a blend of low-cost index funds, ETFs, and selective active management, operating on a fee-only basis without commissions or third-party payments.

Flat-fee wealth management for families with $5M-25M. One transparent fee. No AUM. No hidden incentives. Not all “flat fee advisors” are interchangeable. It’s the difference between seeing a general physician and going to a specialist who deals with your exact situation every day. When the decisions are meaningful, the expertise behind them matters more. At your level, a single good decision, or avoided mistake, can be worth hundreds of thousands, sometimes millions. We are a flat-fee advisory firm designed for high net worth families who want: -A fee structure that doesn’t compound against them -Deep tax strategy -Institutional-quality advice -A family that flourishes across multiple generations Stephen Nelson, CFA, CFP® I am a Chartered Financial Analyst® (CFA) Charterholder and a CERTIFIED FINANCIAL PLANNER™ professional who has spent my career in investment management and financial planning. I received a Master of Science in Finance and a B.B.A. in Finance from the Cox School of Business at Southern Methodist University in Dallas, Texas. I serve families throughout San Diego and across the country.

Charles Rogers is a financial advisor at Azimuth Wealth Advisors with 24 years of industry experience. He holds the ChFC® and Series 66 designations and has worked at Azimuth Wealth Advisors since 2017, following two years at DW Advisors. Outside of financial advising, he is a member of Glacierfish Ski Resort, LLC, a holding company for real property. Azimuth Wealth Advisors serves individuals, including high-net-worth clients, as well as trusts, estates, and various business entities. The firm offers comprehensive portfolio management and financial planning with a discretionary investment approach tailored to client objectives, employing a range of strategies including ETFs, individual securities, and selective use of alternative instruments.

Parker Johnson is a financial advisor with Cooper Capital Group in Encinitas, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His work history includes roles at Purshe Kaplan Sterling Investments, Northwestern Mutual Investment Services LLC, and Uber. Cooper Capital Group serves individual and high-net-worth clients as well as employer plan sponsors, providing asset management, comprehensive portfolio management, financial planning, and retirement plan consulting. The firm employs a range of analytical methods and investment strategies, combining fundamental, technical, cyclical, quantitative, and qualitative analysis, and offers corporate and tax-related planning services alongside wealth management.

Luke Van Houten is a CFP®-certified financial advisor with 10 years of industry experience. He is affiliated with Lifetime Financial Advisors Inc and has worked previously at Putnam Investments LLC and LPL Financial. He is also licensed as a non-variable insurance agent. Lifetime Financial Advisors provides personalized financial planning and written investment recommendations for individuals, trusts, estates, charitable organizations, corporations, and retirement plan participants. The firm delivers non-discretionary advice focused on retirement, tax, estate, insurance, and college funding needs, often recommending mutual funds selected for manager tenure, risk management, and transparency.

Kelly Doyle is a financial advisor at Wealthrise Financial Planning, LLC with two years of industry experience. Prior to joining Wealthrise, she worked for nearly two decades at Rick Engineering Company and spent a year as a homemaker. She holds a Series 65 designation. Wealthrise Financial Planning serves individual and high-net-worth clients with discretionary portfolio management and comprehensive financial planning. The firm employs an evidence-based, tax-aware investment approach that emphasizes low-cost, broadly diversified passive funds and disciplined asset allocation, integrating behavioral considerations into portfolio construction.

Juliana Guerra is a financial advisor at Dean Roland Russell, LLC with a Series 65 designation and two years of industry experience. She previously worked at AlphaCore Wealth Advisory for one year and was a full-time student for eight years prior to entering the financial industry. Dean Roland Russell, LLC serves individual and high-net-worth families, including related entities such as trusts and estates, providing fee-only wealth management and financial planning services. The firm creates customized portfolios using a variety of asset classes and incorporates tax, cash-flow, and estate planning considerations alongside security-level analysis.

Blake Pinyan is a CFP® professional with six years of experience in financial advising. He is currently with Anchor Bay Capital, Inc., where he has worked since 2020. Prior to this, he held roles at Fidelity Investments, One Degree Advisors, and Weatherly Asset Management. Pinyan serves as president of the National Financial Planning Association NexGen chapter. Anchor Bay Capital, Inc. provides discretionary investment management, financial planning, and retirement-plan services to individuals, business entities, and pension plans. The firm constructs diversified portfolios based on fundamental analysis and independent due diligence, tailoring strategies to each client’s risk profile and financial situation.

Leilani Harwood is a CFP® professional with 15 years of industry experience, currently serving at Blue Sky Capital Consultants Group, Inc. She has held roles at multiple firms, including Independent Financial Group, LLC and Fortune Financial Services, Inc. Outside of her advisory work, Harwood volunteers as an executive board member for the American Youth Soccer Organization in Aliso Viejo. Blue Sky Capital Consultants Group, Inc. provides discretionary portfolio management, financial planning, and pension consulting services to individuals, retirement plans, charitable organizations, and corporations. The firm employs a multi-disciplinary investment process that incorporates fundamental and technical analysis, modern portfolio theory, and both long- and short-term trading, including the use of derivatives and margin strategies.

Ashley Bleckner is a CFP® with 11 years of experience in financial advising, currently serving at Ellevest since 2019. She also has a concurrent role at Rs Crum Inc. since 2015. Ashley is based in Carlsbad, CA and is part of a team of 12 advisors at Ellevest. Ellevest provides discretionary investment management and financial planning services primarily focused on helping women plan and invest. The firm offers both Personal Wealth Management and Private Wealth Management, emphasizing strategic asset allocation, diversification, and tax-minimization techniques tailored to individual client goals and risk profiles.

Derek Long is a financial advisor at Intelligence Driven Advisers, LLC with three years of industry experience. He holds a Series 65 designation and previously worked in real estate, serving as President of Derek Long Realtor Corp since 2019 and with Signature Real Estate Group from 2015 to 2019. Outside of advising, he continues to be involved in residential real estate transactions through his role at Derek Long Realtor Corp. Intelligence Driven Advisers, LLC is a multi-team SEC-registered advisory firm managing approximately $882 million for individual and institutional clients, including retirement plans, trusts, estates, and Native American sovereign entities. The firm offers financial planning, discretionary investment management using model and custom portfolios, and retirement plan consulting, with an investment approach centered on risk management and fundamental analysis.

Ryan Gibbs is a CFP® with 11 years of industry experience and is currently associated with Heritage Wealth Management, Inc. in San Diego, CA. He has worked with Heritage Wealth Management since 2014 and also serves as President and CEO of Heritage Advanced Tax Strategies, Inc., where he oversees tax planning and preparation. Prior to his current roles, he was affiliated with The Kocen Financial Group and Financial Goal Securities, Inc. Heritage Wealth Management, Inc. provides discretionary investment management and financial planning services to individuals, small businesses, pension and profit-sharing plans, trusts, estates, pooled investment vehicles, and institutional clients. The firm’s investment approach centers on asset-allocation portfolios using mutual funds, ETFs, equities, fixed income, and option-enhanced strategies, managing portfolios on a discretionary basis and sponsoring affiliated private pooled investment vehicles.

Joseph Ganino III is a financial advisor at Balboa Wealth Partners, Inc. with two years of industry experience. He holds the Series 66 designation and previously worked at Willow Cove Investment Group, Inc., Parcel Pending, and Zovio. Balboa Wealth Partners is an SEC-registered investment adviser managing over $1.07 billion in assets and serving individuals, high-net-worth clients, trusts, estates, charitable organizations, businesses, and retirement plans. The firm employs a team-based approach, utilizing both discretionary and non-discretionary mandates, and emphasizes long-term, diversified portfolio construction with low-cost mutual funds, ETFs, and other securities.

Tyler Goglia is a CFP® professional with three years of industry experience. He is currently with Blue Sky Capital Consultants Group, Inc., where he has worked since 2019, and previously worked at Capital Financial Consultants Group, Inc. from 2019 to 2024. Prior to his financial advising career, he spent three years at Gateway Physical Therapy & Spinal Center. Blue Sky Capital Consultants Group, Inc. provides discretionary portfolio management, financial planning, pension consulting, and advisory services to individuals, retirement plans, charitable organizations, and corporations. The firm employs a multi-disciplinary investment process and offers tailored advice through individualized accounts or model portfolios, with a noted use of derivatives and borrowing strategies uncommon among peer firms.

Alondra Zepeda Ochoa is a CFP® with four years of industry experience, currently serving as a financial advisor at Blue Sky Capital Consultants Group, Inc. She previously worked at D.M. Brenner, Inc. for four years and has a background that includes six years at San Diego State University. Blue Sky Capital Consultants Group, Inc. manages roughly $306 million in discretionary assets and serves several hundred client accounts. The firm offers a range of services including portfolio management and financial planning for individuals, retirement plans, and organizations, employing a multi-disciplinary investment approach that incorporates derivatives and leverage in separately managed accounts.

Joseph Leblanc is a CFP® professional with over 31 years of experience in financial advising. He is currently with Premier Wealth Advisors, LLC, where he has worked since 2018, and has been affiliated with Independent Financial Group, LLC since 2004. Outside of his advisory roles, Leblanc is involved in tax preparation and serves as treasurer of the Blue Sky Aero Club. Premier Wealth Advisors, LLC serves individual and high-net-worth clients, trusts, estates, business entities, and retirement plans, offering non-discretionary wealth management, comprehensive financial planning, and income tax preparation. The firm’s investment approach centers on risk-based allocations to no-load mutual funds and ETFs with periodic rebalancing.

Jeanni Harrison is a CFP® professional with 11 years of industry experience, currently serving as an advisor at American Money Management, LLC since 2021. Prior to that, she worked at Wealth Quest Partners, Inc. for seven years. She is also the principal of RJ Financial Partners, LLC, an investment-related business. American Money Management, LLC provides discretionary portfolio management and 401(k) advisory services to individuals, pension plans, trusts, and corporations. The firm employs a team-based approach with tailored asset-allocation strategies and incorporates alternative investments where appropriate.

David Reyes is a CFP® professional with four years of industry experience. He currently serves at Intelligence Driven Advisers, LLC and previously worked at Pure Financial Advisors, Inc. for six years. Intelligence Driven Advisers, LLC is an SEC-registered multi-team advisory firm managing approximately $882 million for a variety of clients, including individuals, institutions, retirement plans, trusts, estates, and Native American sovereign entities. The firm provides financial planning, discretionary investment management through model and custom portfolios, retirement plan solutions, consulting, and held-away account management, with an investment process centered on risk management and fundamental analysis.