Michael Affleck is a financial advisor with Principal Financial Services in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been associated with multiple entities including 6Pillars Financial Services, Principal Life Insurance Company, Principal Securities Inc., and owns MHA Holdings, LLC dba Tetra Group, Ltd., a business involved in group and property insurance. He also works as a broker in group benefits and as an agent in fixed insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty U.S. military personnel abroad. The firm’s advisory services include financial planning, retirement plan consulting, and third-party money manager programs offered under various advisory and promoter arrangements.

Hector Monroy III is a financial advisor at AE Wealth Management, LLC with two years of industry experience. He holds a Series 65 credential and has previously worked at Westmount Asset Management and Standish Management. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolios, discretionary asset management, financial planning, and consulting services.

Mark Bobin is a financial advisor with Independent Financial Group, LLC in Encinitas, CA, holding Series 63 and Series 65 credentials and having 25 years of industry experience. He previously worked at LPL Financial from 2004 to 2010 before joining Independent Financial Group, where he has been since 2010. Outside of advisory services, he is a California public notary. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm offers financial planning and portfolio management through various platforms and employs both active and passive investment strategies tailored to client risk profiles.

Garrison Beck is a financial advisor at Empower Advisory Group with a Series 65 designation and two years of industry experience. His prior work includes roles at Empower Financial Services, Inc., Advanced Diabetes Supply, and various positions during college. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as retail brokerage account holders. The firm emphasizes long-term portfolio returns and integrates closely with Empower’s recordkeeping and administrative platforms.

Adam Horde is a financial advisor at Kestra Advisory with 14 years of industry experience. He holds the Series 66 designation and previously worked at Commonwealth Financial Network, Cabrillo Mortgage, and Monarch Retirement Group. He is a 16.5% owner/member of Monarch Retirement & Investments LLC, which facilitates securities, advisory, and insurance business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves clients including sovereign wealth funds.

Mark Ealy is a CFP®-certified financial advisor with 24 years of industry experience, currently practicing at Independent Financial Group, LLC since 2009. He previously worked at Woodbury Financial Services, Inc. for five years. Outside of his advisory role, he serves as a board member for Solutions for Change, a nonprofit focused on addressing homelessness. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate and pension plans. The firm employs a model-driven investment approach combining strategic asset allocation and multi-manager portfolios across various risk profiles.

Magdalena Doemeny is a CFP® with 10 years of industry experience. She currently works at Farther and has held positions at Hello Magda Consulting, NerdWallet Inc, Plaid, Origin, Wealth In Hand, LLC, and FutureAdvisor. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform and direct client meetings. The firm applies a Modern Portfolio Theory-based investment approach using bespoke or algorithmic model portfolios with automatic rebalancing and primarily allocates among ETFs, mutual funds, individual equities, and fixed income.

Daphne Martin is a financial advisor with D.A. Davidson & Co. in Carlsbad, CA, holding Series 63 and Series 66 credentials and bringing 26 years of industry experience. Her career includes roles at UBS Financial Services and Citigroup Global Markets prior to joining D.A. Davidson in 2016. She serves as a board member and treasurer for the Texas Exes Los Angeles Chapter, a nonprofit scholarship foundation. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, high-net-worth individuals, and charitable organizations. The firm operates under fiduciary standards and offers a range of services such as ERISA plan advisory, comprehensive financial planning, and a private wealth program for clients with over $20 million in net worth.

Raul Lizalde is a Series 65-licensed financial advisor with Integrated Wealth Concepts LLC, bringing four years of industry experience. Prior to joining Integrated Wealth Concepts, he worked at OneDigital Investment Advisors, Retirement Wealth Advisors, and has held a long-term role as a business manager at VEBS, where he manages administrative and federal employee retirement training activities. Integrated Wealth Concepts serves a diverse client base including individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a large network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan services, employing a primarily long-term investment approach with customized portfolios using mutual funds, ETFs, equities, and fixed income.

Brett Clarke is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and possessing 22 years of industry experience. His prior roles include positions at Next Financial Group, Inc., and National Planning Corporation. Clarke is also the sole owner of Clarke Financial Services, Inc., which provides tax preparation and bookkeeping services, and he offers notarization services to clients on a voluntary basis. Independent Financial Group, LLC serves a diverse client base including individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm provides financial planning, portfolio management, and retirement plan services through various platforms and employs a combination of active and passive investment strategies tailored to client risk profiles.

Gabriel Nave is a financial advisor at Hornor, Townsend & Kent, LLC with Series 65 and Series 63 licenses and one year of industry experience. Prior to joining Hornor, Townsend & Kent, he worked at Northwestern Mutual in various roles from 2025 to 2026 and has prior experience at Everynet and CalAmp. Hornor, Townsend & Kent serves individuals, trusts, businesses, charitable organizations, and retirement plans by offering advisory programs, financial planning, and retirement plan consulting through a network of advisors. The firm operates as both an SEC-registered adviser and FINRA-member broker-dealer, providing clients with custody, execution, and brokerage services alongside investment advice.

Brian Howarth is a Series 66 licensed advisor with Principal Financial Services, based in Encinitas, CA, and has 16 years of industry experience. He has been with Principal Securities Inc. since 2016 and Principal Life Insurance Company since 2010. Outside of his advisory role, he is engaged in short-term consulting with AlphaSights, focusing on industry-level trends. Principal Securities provides brokerage and registered investment advisory services to a diverse clientele, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel stationed abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Linda Smith is a financial advisor with D.A. Davidson & Co., holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. She has been with D.A. Davidson since 2013. Outside of her advisory role, she serves as a notary public in Carlsbad, CA. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad range of clients, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers ERISA retirement plan advisory services, comprehensive financial planning, and a Private Wealth program for high-net-worth clients, emphasizing fiduciary standards and employing both qualitative and quantitative analyses.

John Ogden is a financial advisor at Oppenheimer with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Morgan Stanley and Citigroup Global Markets. He also serves as a trustee for a personal family trust. Oppenheimer serves a wide range of clients including individuals, corporations, and charitable organizations, offering both discretionary and non-discretionary advisory services across various asset classes and investment strategies.

Kai Swick is a financial advisor with Kestra Advisory, holding a Series 66 designation and two years of industry experience. Prior to joining Kestra Advisory in 2025, he worked at Solomon Retirement Services and Independent Financial Group, and has experience in tax preparation and filing through an independent contractor role with Solomon Wealth Management. Outside of advisory services, he has worked in the tax planning and accounting field. Kestra Advisory provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients. The firm offers a range of services including fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients such as plan sponsors and sovereign wealth funds.

Manuel Martinez is a financial advisor with Ameritas Advisory Services, LLC, holding a Series 65 designation and over 48 years of industry experience. He has worked at Ameritas Advisory Services since 2021 and has been involved with Martinez & Winter, where he is licensed to sell fixed insurance products, since 2007. His career also includes long-term roles with Ameritas Life Insurance Corp. and Ameritas Investment Corp. Ameritas Advisory Services provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth investors, retirement plans, charitable organizations, and businesses. The firm offers a range of asset management and consulting services, utilizing model portfolios, mutual funds, ETFs, and individual securities across multiple program platforms.

Zachariah Schlegel is a financial advisor at GWN Securities Inc. He holds a Series 66 designation and has been in the industry since 2026. Prior to joining GWN Securities, his background includes roles in education and transportation as well as periods of travel. GWN Securities provides investment advisory services to individual and corporate clients through various managed account programs and financial planning offerings. The firm employs a mix of affiliated and unaffiliated sub-advisers and uses both asset allocation and tactical strategies in its investment approach.

Shawna Christiansen is a financial advisor at Integrated Wealth Concepts LLC with 20 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked with Triad Advisors, OneDigital Investment Advisors LLC, Independent Financial Partners, and LPL Financial, LLC. She is also involved with RetirementDNA, a registered investment advisor d/b/a under Integrated Wealth Concepts. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, and family office services, employing customized portfolios generally built with mutual funds, ETFs, equities, and fixed income using a primarily long-term approach.

Jake Cohen is a financial advisor at Creative Planning with nine years of industry experience. He holds a Series 66 designation and has worked previously at Highcrest Capital, Bank of America, Merrill, and Permanent Value Inc. Cohen is based in Vista, California. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in assets across more than 1,100 advisors and 151 offices.

Marko Zivic is a Series 66-licensed financial advisor with 12 years of industry experience. He has worked at Park Avenue Securities and Guardian Life since 2016. Zivic is also the owner of Zjiveli LLC, a personal taxes and cash flow organization based in Carlsbad, CA. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a blend of advisor-led discretionary management and model-based strategies, combining proprietary programs with third-party platforms and a range of financial planning and consulting services.