Francisco Lopez is a CFA® charterholder with over 15 years of experience in the financial industry. He has worked at Willow Creek Financial since 2025 and previously held roles at System 2 Advisors and Quotient Investors. Lopez is based in San Diego, CA. Willow Creek Financial provides investment advisory services to individuals, high-net-worth clients, trusts, estates, pension plans, and corporate entities. The firm offers discretionary portfolio management primarily through its sponsored wrap fee programs, alongside financial planning and retirement plan consulting, and incorporates active strategies including derivatives and margin within separately managed accounts when suitable.

Keith Gunther is a financial advisor at RED Seven with Series 63 and Series 65 credentials and 40 years of industry experience. He has held prior roles at Legacy Investment Strategies, LLC, LPL Financial, LLC, and Crown Capital Securities, LP. Gunther is also involved in a tax preparation business connected to his financial services. RED Seven offers comprehensive financial planning and discretionary portfolio management to individuals, high-net-worth clients, pension and profit-sharing plans, and charitable organizations. The firm utilizes a mix of fundamental and technical analysis and manages accounts primarily on a discretionary basis with regular portfolio reviews.

Steven Dougan is a financial advisor at Intelligence Driven Advisers, LLC and holds a Series 65 credential. He has one year of industry experience, with prior roles in financial services and other fields including education, real estate, and travel. Intelligence Driven Advisers, LLC is an SEC-registered multi-team advisory firm managing approximately $882 million for individual and institutional clients. The firm offers financial planning, discretionary investment management using primarily low-cost institutional funds and ETFs, and retirement plan solutions, with an investment process overseen by an Investment Committee.

Brian Johnson is a financial advisor at DLK Investment Management with 23 years of industry experience. He has been with DLK Investment Management since 2012 and holds Series 63 and Series 65 designations. 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 manages approximately $435 million in client assets using a tailored, allocation-driven approach based on a fundamental relative-value framework.

Frank Stanley is a CFP® with 26 years of industry experience, currently serving with Tactive Advisors, LLC. His prior roles include positions at FactorOne Capital LLC, where he is President, Claraphi Advisory Network LLC, and Global Wealth Analytics Inc. He holds Series 63 and has experience receiving commissions as an agent for several insurance carriers. Tactive Advisors provides portfolio management to individual clients, trusts, businesses, employee benefit plans, and institutional investors through a combination of robo-advisor technology and advisor-led model portfolios. The firm employs a tactical asset allocation approach using the Black-Litterman framework and combines mutual funds, ETFs, and occasionally options to implement strategies.

Scott Newman is a financial advisor at Nelson Securities, Inc. in San Diego, CA, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has been with Nelson Securities since 2002. Nelson Securities, Inc. manages approximately $272 million for over 2,000 clients through nine advisors, offering discretionary investment management and consulting to a diverse client base including individuals, families, trusts, pension and profit-sharing plans, corporations, and nonprofit organizations. The firm uses a combination of fundamental and technical analysis with various investment strategies tailored to client profiles and continuously monitors accounts with client trade approval.

Brittney Partow is a financial advisor with Intelligence Driven Advisers, LLC, holding Series 65 and Series 66 licenses and bringing 11 years of industry experience. Her prior roles include positions at LPL Financial and TD Ameritrade - Charles Schwab & Co., Inc. She is based in Carlsbad, CA. Intelligence Driven Advisers, LLC is an SEC-registered multi-team advisory firm managing approximately $882 million for a diverse client base, including individuals, institutions, retirement plans, trusts, estates, and Native American sovereign entities. The firm employs a model-driven investment approach focused on low-cost institutional funds, risk management, and fundamental analysis, and offers a range of services including financial planning, discretionary management, retirement plan consulting, and held-away account management.

Danny Cung is a financial advisor at Christopher Weil & Company, Inc. in San Diego, CA, holding Series 63 and Series 66 licenses with 17 years of industry experience. He has been with Christopher Weil & Company since 2004. Christopher Weil & Company provides discretionary investment management, financial planning, estate transition, and pension consulting services to individual clients, pension plans, charities, and corporate entities. The firm employs diversified and opportunistic portfolio strategies, including the use of derivatives and cryptocurrency-related ETFs, and offers personalized investment policy statements and consolidated reporting.

Laura Mertz is a CFP® professional with eight years of industry experience. She has worked at Aspiriant Wealth Management from 2015 to 2025 before joining Blankinship & Foster, LLC in 2025. Blankinship & Foster, LLC provides customized wealth management services to individuals, families, trusts, small businesses, charitable organizations, and pension plans. The firm’s investment approach emphasizes asset allocation based on macroeconomic analysis and client-specific Investment Policy Statements, with portfolios typically managed on a discretionary basis.

Teresa Kakadelas is a CFP® professional with 19 years of industry experience, currently serving at Blankinship & Foster, LLC since 2006. She is based in Solana Beach, CA, and is part of an eight-advisor team at the firm. Blankinship & Foster, LLC provides customized wealth management services to individuals, families, trusts, estates, small businesses, charitable organizations, and pension/profit-sharing plans. The firm’s investment approach emphasizes asset allocation informed by macroeconomic analysis and client-specific Investment Policy Statements, with a focus on discretionary portfolio management and client education.

Jay Hovis is a financial advisor at Financial Focus LLC in Carlsbad, CA, holding CFP® and Series 66 designations with 10 years of industry experience. He has worked at OSAIC, Securities America, and Sagepoint Financial, and has operated as a sole proprietor since 2015. In addition to advisory work, he is involved in insurance sales. Financial Focus LLC serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans with discretionary asset management, comprehensive financial planning, and retirement-plan consulting. The firm manages accounts using model portfolios and offers a wrap fee program that combines management and transaction costs into a single advisory arrangement.

Shay Tahar is a financial advisor at American Money Management, LLC with two years of industry experience. He holds a Series 65 designation and has worked at American Money Management since 2024. Prior to this, his background includes roles in education and retail. American Money Management serves individual clients, including high-net-worth households, as well as various institutional clients. The firm employs an investment committee to manage customizable, asset-allocation strategies and offers discretionary portfolio management, 401(k) advisory services, and periodic financial planning.

Stephanie Cunningham is a financial advisor with Carmel Capital Partners, LLC, holding a Series 65 designation and four years of industry experience. She previously worked at DM Brenner, Inc., Beta Wealth Group, and Trilogy Financial. Outside of her advisory role, she operates a notary public business. Carmel Capital Partners provides discretionary and non-discretionary portfolio management primarily to individual and high-net-worth clients. The firm emphasizes fundamental valuation focusing on free cash flow and capital preservation, and it actively manages multiple private funds and special purpose vehicles.

Michelle Mai is a financial advisor with Signature Resources Capital Management, LLC in San Diego, CA, holding a Series 65 credential and 13 years of industry experience. She has been with Signature Resources Capital Management since 2016 and also operates College Planning Source, a college planning business she founded in 2005. In addition, Mai is an independent insurance agent providing insurance sales and services since 2008. Signature Resources Capital Management advises individual and high-net-worth clients, trusts, estates, and retirement plan sponsors, offering discretionary and non-discretionary investment management, financial planning, and retirement-plan consulting. The firm employs a Global Target Risk investment approach focused on broad diversification and customized model portfolios, managing approximately $303.9 million in discretionary assets.

Joshua Koehnen is a Certified Financial Planner® with 24 years of industry experience. He is currently a principal at Premier Wealth Advisors, LLC, where he has worked since 2018, and has held roles at Independent Financial Group, LLC and Financial Designs LTD. Outside of his advisory work, he is involved in real estate brokerage as an officer and 50% owner of Premier Realty Solutions, Inc. Premier Wealth Advisors LLC serves individuals, trusts, estates, business entities, and retirement plans, offering wealth management, comprehensive financial planning, and income tax return preparation. The firm employs a risk-based allocation strategy focused on passively managed funds and provides primarily non-discretionary portfolio management.

Jamie Noriega is an advisor at Telos Capital Management, Inc. in San Diego, CA. He holds a Series 65 credential and has approximately two years of industry experience, including previous roles at Dolan Xitco and StepStone Group. Telos Capital Management is a SEC-registered advisory firm managing about $1.63 billion for roughly 900 clients through a 13-advisor team. The firm serves individual investors, trusts, estates, charitable organizations, small businesses, and retirement-plan participants, employing an active, research-oriented investment process focused on asset allocation, diversification, and periodic rebalancing across equity and fixed-income portfolios.

Brandon Hobson is a CFA® charterholder and holds a Series 65 license, with nine years of industry experience. He has worked at PracticeCFO Investments since 2017 and previously at Bridgepoint Education, Inc. from 2016 to 2017. PracticeCFO Investments serves individuals, high-net-worth clients, trusts, estates, charitable organizations, and employer-sponsored retirement plans. The firm combines low-cost passive ETFs with tactical asset allocation based on Modern Portfolio Theory, using formal Investment Policy Statements and a structured four-step investment process.

Alex Klingensmith is a CFP® with 14 years of experience in the financial industry. He has worked at Intelligence Driven Advisers, LLC since 2018 and previously spent seven years at Labrum Wealth Management, LLC. Klingensmith is also involved with Invictus Real Estate Partners, LLC, a real estate management firm where he serves as managing member of a real estate fund. Intelligence Driven Advisers, LLC is a 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 provides financial planning, discretionary investment management through model strategies and custom accounts, retirement plan solutions, consulting, and held-away account management, emphasizing risk management and fundamental analysis in portfolio construction.

Hunter Daniel is a CFP®, CFA®, and holds a Series 65 license with eight years of industry experience. He is currently with Intelligence Driven Advisers, LLC and has previously worked at Morton Wealth, Dowling & Yahnke, LLC, and Goldman Sachs. 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 emphasizes risk management and fundamental analysis through model portfolios primarily invested in low-cost institutional mutual funds and ETFs, while also offering financial planning, discretionary investment management, and retirement plan solutions.

Isaac Cardoza is a CFP® and Series 66-licensed advisor at Pacific Wealth Management with three years of industry experience. He previously worked at Commonwealth Financial Network and Honeycutt, Smith & Associates. Pacific Wealth Management serves individuals, trusts, retirement plans, and business entities, offering discretionary and non-discretionary asset management, financial planning, and consulting. The firm employs a client-specific, asset-allocation approach within its “Proactive Asset Management” framework and manages approximately $318 million in assets across about 210 client relationships.