Beverly Patton is a Series 66 licensed advisor with 19 years of industry experience. She has worked at Syrios Wealth Management Group since 2024 and previously held roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Syrios Wealth Management Group serves individuals, including high-net-worth clients, pension and profit-sharing plans, non-profit organizations, and businesses. The firm combines active and passive investment strategies across various asset classes and offers both discretionary and non-discretionary portfolio management, utilizing third-party asset managers and platforms.

Eric Schmid is a CFP® professional with nine years of industry experience, currently serving as an advisor at Ted Buchan & Company since 2016. He is based in San Diego, CA, and works within a small team of two advisors at the firm. Ted Buchan & Company provides investment advisory and financial planning services to individual and high-net-worth clients, managing approximately $413 million in assets. The firm uses firm-developed model portfolios combined with fundamental and technical analysis, offering both discretionary and non-discretionary management along with annual account reviews.

Michael Sellman is a CFP® professional with 18 years of experience, currently serving as an advisor at Cornerstone Wealth Advisors, Inc. in Carlsbad, CA. He has worked at Cornerstone Wealth Advisors since 2010 and has also been an independent insurance agent since 2015. Cornerstone Wealth Advisors provides financial planning, discretionary investment management, and ERISA retirement-plan services to a range of clients, including individuals, trusts, estates, charitable organizations, and governmental entities. The firm manages approximately $143 million and offers both proprietary and custom portfolios, emphasizing fundamental investment analysis and client-specific asset allocation.

Keith Hamilton is a CFP® professional with 39 years of industry experience. He has been with Hamilton Manor & Associates since 2009 and has worked with LPL Financial, LLC since 1995. His background includes tax preparation services in addition to his financial advisory work. Hamilton Manor & Associates serves individual and high-net-worth clients, providing portfolio management, financial planning, and retirement plan consulting. The firm utilizes a range of research providers and third-party managers to construct asset allocation models and offers both discretionary and non-discretionary management.

Sapphira Santibanez is a financial advisor at Del Mar Wealth Management Inc with one year of industry experience. She holds a Series 65 designation and has previously worked at Northwestern Mutual Investment Services LLC and Northwestern Mutual Life Insurance Company. Outside of finance, she worked at Carlsbad By The Sea Resort for five years. Del Mar Wealth Management provides portfolio management and financial planning services primarily to individual and high-net-worth clients, managing approximately $170 million in assets. The firm uses a tailored investment approach that combines fundamental analysis and Modern Portfolio Theory, incorporating a range of investment types including less common assets such as deed trust funds and promissory notes.

Erik Johnson is a financial advisor with La Jolla Institute for Wealth Management, holding a Series 65 designation and 14 years of industry experience. He has been with La Jolla Institute since 2011 and has operated his own advisory practice since 1999. Outside of financial advising, he is involved in product sales and marketing. La Jolla Institute for Wealth Management provides personalized financial planning and investment management to individuals, retirement plans, trusts, estates, charitable organizations, and small businesses. The firm employs a core-and-satellite strategic asset allocation approach with globally diversified portfolios and operates on a non-discretionary basis.

Michael Licosati is a financial advisor at Alder Capital with nine years of industry experience. He holds Series 65 and Series 66 licenses and has worked at Alder Capital, LLC and Pacific Point Advisors, LLC. Alder Capital is an SEC-registered advisory firm serving high-net-worth individuals, family offices, trusts, estates, institutions, and privately offered pooled funds. The firm employs a primarily long-term, fundamentally driven investment approach and manages portfolios using a range of securities including ETFs, options, and alternative investments, tailoring strategies to client objectives and tax considerations.

Raymond Morgosh is a financial advisor at 10 Star Asset Management in Carlsbad, CA, holding Series 63 and Series 65 licenses with 28 years of industry experience. He has been with 10 Star Asset Management since 2008. 10 Star Asset Management provides discretionary investment management to individuals, high-net-worth clients, trusts, estates, and select pension accounts. The firm uses licensed S&P research and model portfolios combined with equity and income strategies, including covered call writing and options, primarily managing accounts through Fidelity Institutional Wealth Services.

Heather Sontag is a CFP® professional at Carlsbad Wealth Advisory Group, Inc. with six years of industry experience. She has worked at Carlsbad Wealth Advisory Group since 2019 and concurrently holds a senior staff accountant position at Solar Turbines Incorporated. Carlsbad Wealth Advisory Group provides discretionary portfolio management and comprehensive financial planning to individuals, high-net-worth households, trusts, foundations, pensions, and charitable organizations. The firm emphasizes asset allocation primarily through exchange-traded funds (ETFs) and manages all client assets in-house, focusing on low expense ratios and internal diversification.

James Walters is a financial advisor at 77 Financial Group with nine years of industry experience. He holds a Series 66 designation and has previously worked at firms including LPL Financial, Securities America, Verus Capital Partners, and Lincoln Financial Advisors. Walters is also active as an insurance producer through a separate agency. 77 Financial Group serves individual investors, retirement plans, trusts, and various organizational clients with fee-based advisory and financial planning services, alongside pension consulting and related tax and accounting services. The firm employs a tactical allocation investment approach utilizing a range of securities and strategies, and offers additional resources such as a subscription newsletter and educational seminars.

David Jensen is a financial advisor at Jensen Capital Asset Management with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has held roles at firms including BKM Capital Partners, RedHill Realty Investors, and Pickwick Capital Partners. Outside of advisory work, he manages real estate development activities through His Glory Development LLC and serves as a managing member of his family office, DF3 Holdings LLC. Jensen Capital Asset Management provides state-registered discretionary portfolio management services primarily for individual clients, trusts, and estates. The firm combines fundamental and technical analysis through an investment committee and focuses on tax-efficient portfolios constructed from individual bonds, equities, and low-cost ETFs. The firm is also notable for its principals’ active involvement in real estate brokerage and private real estate investment activities.

Brenton Devore is a financial advisor with DeVore Financial Advisors LLC, holding the ChFC® designation along with Series 66 and Series 65 licenses. He has 20 years of industry experience, including prior roles at Index Fund Advisors, Inc., Check Capital Management Inc., and Charles Schwab. In addition to his financial advisory work, Devore serves as a full-time police sergeant with the City of San Diego. DeVore Financial Advisors LLC provides financial planning, consulting, and discretionary investment management services to individuals, high-net-worth clients, trusts, and estates. The firm utilizes an evidence-based investment approach grounded in Modern Portfolio Theory and Fama-French research, incorporating Dimensional Fund Advisors’ models and proprietary quantitative algorithms to construct globally diversified, tax-efficient portfolios.

Jennifer Wilson is a CFP® and ChFC® professional with nine years of experience in financial advising. She has worked at McNaughton Wealth Management, LLC since 2019 and previously was with Ameriprise Financial Inc. from 2016 to 2019. McNaughton Wealth Management serves individuals, including high-net-worth clients, as well as trusts, pension plans, and business entities. The firm manages approximately $291.6 million for about 240 clients, providing discretionary asset management, portfolio management, financial planning, retirement plan consulting, and referrals to third-party money managers.

Craig Kelley is a financial advisor at Kelley Investments with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Kelley Investments since 1998, alongside a 15-year tenure at Ceros Financial Services. In addition to his advisory role, he is involved in insurance sales on a limited basis. Kelley Investments offers discretionary and non-discretionary wealth management, financial planning, and pension consulting to individuals, families, trusts, and retirement plans. The firm manages approximately $238 million across 216 client relationships using proprietary portfolio strategies focused on growth at a reasonable price through diversified equity and fixed income investments.

Rachel Ivanovich is a financial advisor at WWM Financial with six years of industry experience. She holds Series 65 and Series 66 designations. Outside of her advisory role, she is the president and owner of Easy Life Management, a tax and accounting firm where she provides tax planning and consulting. WWM Financial manages assets for individuals, trusts, pension plans, and business clients, offering asset management, financial planning, consulting, and referrals to third-party money managers. The firm emphasizes individualized portfolio supervision and employs a variety of analytical methods, while also providing educational seminars and workshops.

Grant Van Nostrand is a financial advisor at Van Nostrand Wealth Management LLC in San Diego, CA, holding a Series 65 designation with two years of industry experience. Prior to joining the firm, he spent four years at Oregon State University and four years at Poway High School. Van Nostrand Wealth Management LLC serves individual and retirement-plan clients, focusing on customized investment management and financial planning. The firm employs a blend of passive and active strategies using mutual funds and ETFs, offering both discretionary and non-discretionary portfolio management tailored to client goals and risk tolerance.

Darren Bloom is a CFP® professional with 29 years of industry experience. He is currently with WEalthetic LLC and previously worked at LPL Financial, llc, Chase Investment Services Corp., and Wamu Investments, Inc. Outside of his advisory role, he organizes the Baja Rally, a motorsport event based in San Diego. WEalthetic LLC serves individuals, trusts, estates, charitable organizations, and business entities, providing customized portfolio management and financial planning. The firm employs a range of analytical methods and active strategies tailored to client objectives and also offers services to institutional and corporate clients, including tax planning and corporate structure review.

Patricia Patterson is a CFP® certificant with 28 years of industry experience, currently serving as an advisor at Premier Financial Planning, Inc. in San Diego, CA. She has been with Premier Financial Planning since 2004, including its predecessor LLP structure. Premier Financial Planning, Inc. provides comprehensive financial planning and discretionary portfolio management to individuals, high-net-worth clients, trusts, pension plans, and business entities. The firm employs a strategic asset allocation approach grounded in Modern Portfolio Theory, offering customized investment policy statements and ongoing portfolio monitoring tailored to client objectives.

Bradley Lineberger is a CFP® and ChFC® with 18 years of industry experience. He is a founding owner of Seaside Wealth Management, Inc. and has been with the firm since 2011. Prior to that, he was affiliated with Purshe Kaplan Sterling Investments for 10 years. He also teaches financial classes at Mira Costa Junior College and serves as Athletic Chair for the La Costa Canyon High School Foundation. Seaside Wealth Management advises individuals, high-net-worth clients, and employer plan sponsors with discretionary asset management, financial planning, and retirement plan consulting. The firm’s investment approach emphasizes passive/indexed strategies, broad asset allocation, and disciplined rebalancing, supported by academic research and tools such as Pontera for tax-efficient asset management.

About Danny G. Michael, CFP®, RLP®, MSBA Retirement requires making decisions that will impact my clients for the rest of their lives. So the first thing I do is help them define for themselves what a fulfilling, deeply satisfying retirement looks like. Once they have complete clarity on what they want, I put my advanced degrees in finance and tax-planning to work getting that for them. It’s also important that my clients know I have no hidden agendas. As a Certified Financial Planner™ and Registered Life Planner®, I provide completely transparent retirement planning and my team acts 100% in their best interests. We make no commissions off the financial products clients invest in and we charge no hidden fees. For 20 years, I’ve led clients through the maze that is retirement planning and I love knowing that they’re fully enjoying this phase of their lives and not worrying whether or not their financial resources can support their most fulfilling retirement. There’s nothing worse than realizing after you retire that your planning was incomplete. Let’s work together so that you can enjoy the comfortable, confident retirement you’ve earned. Media Mentions: Bank Rate https://www.bankrate.com/personal-finance/smart-money/understand-how-inflation-impacts-your-life-with-personal-inflation-rate/ https://www.bankrate.com/personal-finance/how-to-write-a-will/ https://www.bankrate.com/financing/cd-rates/pros-and-cons-of-ira-cds/ Investment News https://money.usnews.com/money/retirement/baby-boomers/articles/how-to-retire HuffPost https://www.huffpost.com/entry/important-money-moves-experts_n_5c1d130ee4b05c88b6f81d52 https://www.huffpost.com/entry/401k-loan-rules-borrow_l_5d83e88ae4b0957256b3d417 Think Advisor https://www.thinkadvisor.com/2019/08/21/advisors-advice-top-11-retirement-planning-questions-clients-ask/ Family Wealth News http://abetterwaytoretire.com/Understanding_Your_Personal_Inflation_Rate.aspx Forbes https://www.forbes.com/sites/robertfarrington/2021/12/21/5-last-minute-financial-tips-for-the-end-of-2021/?sh=5b7c6fb31403