Robert Patterson is a financial advisor with RJ Patterson Group in San Diego, CA, holding a Series 66 credential and 27 years of industry experience. His prior roles include positions at Merrill, Citigroup Global Markets, Morgan Stanley, and Daniel Wealth Advisors. Patterson also serves as CEO of RJ Patterson Capital Investment Group, Inc., where he manages financial planning and investment management services. RJ Patterson Group serves individual and high-net-worth clients, retirement accounts, and some corporate clients with discretionary investment management and financial planning. The firm applies a fundamental, value-oriented research process across multiple asset classes and utilizes institutional custody and trading platforms combined with third-party managers and tools to tailor portfolios to client objectives.

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.

Nathan Jarman is a CFP® and holds a Series 66 license with 11 years of industry experience. He has worked with LPL Financial and Financial Planning Consultants since 2014. Outside of his advisory role, he is involved with Jarman Wealth Management, a business entity focused on tax and investment purposes. 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 life-stage planning, focusing on investment advice without managing client assets, typically using a long-term, value-oriented approach.

Olivian Pitis is a CFP®, CFA®, and Series 66-licensed financial advisor at CSJ Wealth Management, LLC with 17 years of industry experience. He previously worked at American Century Investment Services, Dimensional Fund Advisors, and Dowling & Yahnke. He has been involved with the UCLA Anderson San Diego Alumni Chapter since 2020. CSJ Wealth Management provides discretionary portfolio management and financial planning services to individuals, trusts, charitable organizations, ERISA plans, and corporations. The firm employs a long-term, asset-allocation investment approach using low-cost institutional funds and also manages a sponsored pooled investment vehicle with more active strategies.

Athanasios Preovolos is a financial advisor at Alpha & Omega with four years of industry experience. He holds a Series 65 designation and has worked at Alpha & Omega Financial Management Consultants since 2022. In addition to his advisory role, he is an attorney with Preovolos Lewin, ALC, a law practice he has been affiliated with since 1993. Alpha & Omega Financial provides advisory services to individual and high-net-worth clients, as well as pension and profit-sharing plans. The firm offers portfolio management, financial planning, pension consulting, and administrative services, using methods such as cyclical and fundamental analysis and modern portfolio theory, with a focus on non-discretionary asset management.

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.

William Ward Jr. is a financial advisor at Ward & Associates with 22 years of industry experience. He holds the Series 65 designation and has been with Ward & Associates since 1997. Ward & Associates provides wealth management and investment advisory services to individuals, families, and related entities such as trusts and charitable foundations. The firm emphasizes long-term strategic asset allocation using Modern Portfolio Theory and offers portfolios that may include non-traditional investments alongside mutual funds and external managers.

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.

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.

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.

Amar Shah is a CFP®, CFA®, and Series 66-licensed financial advisor with 20 years of industry experience. He has been with Client First Capital, LLC since 2019 and previously worked at USAA in various financial planning and advisory roles from 2011 to 2019. Client First Capital serves individuals, high-net-worth clients, trusts, and estates by providing asset management, comprehensive portfolio management, and standalone financial planning and consulting. The firm employs a fiduciary, client-specific process that incorporates multiple methods of analysis and offers distinct portfolio strategies to align risk profiles with client objectives.

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.

Kai Kramer is a Series 65-licensed financial advisor at Platt Wealth Management with four years of industry experience. He has worked at Platt Wealth Management since 2021 and previously held positions at Ameriprise Financial Services, UCLA, and Yasukochi Family Farms. Platt Wealth Management serves individuals, including high-net-worth clients, as well as corporate and retirement plan clients, providing discretionary investment management and financial planning. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing strategic asset allocation, diversified mutual fund exposure, and ongoing portfolio supervision aligned with client goals and risk tolerance.

Jason Shaya is a Series 65-licensed advisor with Mission Hills Financial Advisory LLC in San Diego, CA, bringing three years of industry experience. He has been with Mission Hills Financial and its related entities since 2005. Mission Hills Financial Advisory provides discretionary asset management and financial planning primarily for individual and high-net-worth clients. The firm customizes portfolios based on client goals and risk tolerance, utilizing a variety of investment vehicles and offering access to third-party managers, with a focus on ongoing reviews and documented client objectives.

Tyrone Ross is a financial advisor at 401 Financial with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Merrill Lynch, Bank of America, and NobleBridge Wealth Management. Outside of his advisory role, he is the founder of 401 STC, LLC, providing financial consulting and speaking engagements, and also works as a contractor with Coindesk producing podcasts and hosting events. 401 Financial is a small advisory practice serving individual and high-net-worth clients with financial planning, investment planning, and specialized cryptoasset strategies. The firm emphasizes tailored investment recommendations with passive core allocations and offers proprietary crypto research and education as part of its service.

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

Joshua Khokhar is a CFP® with 18 years of industry experience. He is currently with Santara Wealth Management LLC and previously worked at Axxcess Wealth Management, LLC and J.P. Morgan Securities. He is also the owner of Providence Wealth Management, an investment advisory holding company based in San Diego. Santara Wealth Management provides investment advisory and financial planning services to individuals, including high-net-worth clients, employer plan sponsors, and institutional clients. The firm offers tailored portfolios with active monitoring and employs multiple analytical methods alongside AI-enabled tools for administrative and research support, while maintaining human decision-making in investment processes.

Joshua Lightcap is a CFP® and holds a Series 66 designation with seven years of industry experience. He is the principal advisor at Lightcap Financial Group, LLC, where he has worked since 2025. Prior to founding his firm, he spent six years at Edward Jones. Lightcap Financial Group is a small registered investment adviser serving individuals, trusts, estates, and business and retirement-plan sponsors. The firm offers discretionary portfolio management using various analytic approaches and provides retirement plan consulting and insurance services.