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 66 and Series 65 licenses and has previously worked at Pacific Point Advisors, LLC. Alder Capital is an independent SEC-registered investment adviser serving high-net-worth individuals, family offices, trusts, estates, and institutions. The firm provides discretionary wealth management and comprehensive financial planning with an investment approach focused on broadly diversified, long-term portfolios using a range of asset types and third-party managers.

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 worked at firms including BKM Capital Partners L.P. and RedHill Realty Investors. Outside of advisory activities, he is a licensed real estate broker and involved in real estate development through His Glory Development LLC. Jensen Capital Asset Management is a state-registered investment manager providing discretionary portfolio management for individuals, trusts, and estates. The firm combines fundamental and technical analysis to construct portfolios primarily from individual bonds and equities, supplemented by low-cost ETFs, with a focus on tax efficiency and tailored asset allocation.

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® with 28 years of industry experience, currently serving as the sole advisor at WEalthetic LLC since 2025. He previously spent 15 years at LPL Financial, llc. Outside of his advisory role, he organizes the Baja Rally, a racing event based in San Diego. WEalthetic LLC provides investment advisory services to individuals, trusts, estates, charitable organizations, and business entities, managing approximately $13.2 million across 24 clients. The firm offers tailored portfolio management integrating various investment strategies and also serves institutional-type clients with consulting services in corporate structure, tax planning, and real estate analysis.

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.

Bobbi Koala is a financial advisor with Koala Financial in Bonita, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has held roles at Cetera Wealth Services and Avantax Advisory Services and serves as CEO of Koala Financial, where she also provides accounting and tax preparation services as a Certified Public Accountant. Additionally, she is a licensed real estate agent involved in real estate sales and financing activities. Koala Financial provides investment advisory services to individuals and high-net-worth clients, offering pension consulting and financial planning. The firm integrates accounting, tax, legal, insurance, and real estate services and uses a diversified investment approach including discretionary portfolio management with a preference for Dimensional funds.

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 financial advisor at Mission Hills Financial Advisory LLC with two years of industry experience. He has been associated with Mission Hills Financial since 2005 in various capacities. Mission Hills Financial Advisory provides discretionary asset management and financial planning primarily for individual and high-net-worth clients. The firm tailors portfolios to client goals and risk tolerance using a combination of fundamental and technical analysis, mutual funds, ETFs, alternatives, and options, and also offers access to third-party managers and ongoing consulting services.

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

Kara Marquez is a CFP® and holds a Series 66 license with 14 years of industry experience. She has worked at Nautilus Advisors LLC since 2018 and previously spent four years at J.P. Morgan Securities. Nautilus Advisors LLC serves individuals, including high net worth clients, pension and profit-sharing plans, and charitable organizations by providing comprehensive portfolio management, financial planning, and retirement plan consulting. The firm uses a portfolio process that combines fundamental, technical, and cyclical analysis, and offers a range of planning services including mortgage and debt analysis as well as corporate structure studies.

Alexander Wymore is a financial advisor with Koala Financial in Bonita, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at Koala Financial since 2014 and previously was with Avantax from 2022 to 2025. Outside of advisory services, Wymore is involved with Koala Financial’s accounting and tax preparation business, including bookkeeping and tax planning. Koala Financial provides investment advisory services to individuals and high-net-worth clients, offering pension consulting and written financial planning. The firm integrates accounting, tax, legal, insurance, and real estate services, and employs a multi-method investment process with discretionary portfolio management across various securities.

Joshua Khokhar is a CFP® professional with 18 years of experience in the financial industry. He currently serves at Santara Wealth Management LLC and previously worked at Axxcess Wealth Management, LLC and J.P. Morgan Securities. Outside of his advisory role, he owns Providence Wealth Management, a holding company for an investment advisory business. Santara Wealth Management provides tailored advisory services to individuals, trusts, retirement plans, and business entities, employing a combination of fundamental, technical, and quantitative analysis. The firm manages diversified portfolios that include individual stocks, bonds, ETFs, mutual funds, options, and alternative investments, and it offers additional services such as tax preparation and estate-planning facilitation through third-party providers.

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.

William Larson is a Series 65-licensed advisor at Wealth Legacy Group, Inc. with one year of experience in the financial industry. Prior to joining Wealth Legacy Group, he worked at Action Sport Rentals and held various positions while pursuing his education at Arizona State University and Baylor University. Wealth Legacy Group, Inc. serves high-net-worth families, business owners, nonprofit clients, and institutional entities by providing integrated wealth planning, business succession, philanthropic planning, and guidance on tax-deferred real estate investments. The firm utilizes a proprietary planning process and works primarily through institutional third-party managers and model platforms, focusing on coordinated discretionary management rather than in-house security selection.