Ryan Gonzales is a CFP® with 17 years of industry experience, currently serving as the sole advisor at True Fiduciary Capital, LLC since 2019. He previously worked at USAA Financial Advisors and USAA Investment Management Company. Outside of his advisory role, he designs and sells shirts through his business Dad Fiction and provides color commentary for local high school sports with the NFHS Network. True Fiduciary Capital offers discretionary and non-discretionary investment supervisory services and financial planning to individual and high-net-worth clients. The firm employs a concentrated, fundamental equity approach focused on companies with strong free cash flow and intrinsic value, managing approximately $90 million across about 60 accounts.

Matthew Gonzales is a CFP® with four years of industry experience currently serving as the sole advisor at ING Wealth in La Mesa, CA. His prior experience includes six years at LPL Financial and roles at North Island Credit Union and San Diego State. Before entering the financial industry, he worked seven years at Steele Canyon Golf Club Corporation. ING Wealth provides portfolio management and financial planning services to individuals, high-net-worth clients, and business entities. The firm offers a Comprehensive Portfolio Management service that combines discretionary asset management with optional financial planning, utilizing a variety of analytic methods and trading strategies tailored to client risk profiles and goals.

Matthew Ryan is a CFP® and CFA® with eight years of industry experience. He is the sole advisor at Focused Mission Financial, where he has worked since 2022. Prior to that, he spent seven years at Creative Capital Management, LLC. In addition to his advisory role, Matthew creates financial educational videos and hosts webinars for various clients. Focused Mission Financial is an independent firm that provides fee-only investment management and financial planning to individuals, including high-net-worth clients, as well as advisory services to employer plan sponsors. The firm employs asset-allocation strategies based on Modern Portfolio Theory, combining passive and active investments, and offers educational workshops and retirement plan consulting services.

Eric Ervin is a CFP® with 22 years of industry experience, currently serving as the sole advisor at Heirmont Wealth Management. His prior roles include positions at Securitize Corp., Onramp Invest, Blockforce Capital Management, Morgan Stanley, and Citigroup Global Markets. Heirmont Wealth Management provides discretionary investment management and integrated financial planning, primarily serving high-earning W-2 professionals such as physicians and corporate executives. The firm emphasizes financial planning alongside portfolio management and utilizes low-cost, diversified ETFs with a tax-aware approach, avoiding leverage, derivatives, or options in its baseline strategies.

Robert Duncan is a CFP® currently affiliated with Elevate Wealth LLC in San Diego, CA. He has over eight years of professional experience, including his work with Duncan Funding Partners since 2016. Duncan also maintains an affiliated insurance business that occupies a significant portion of his time. Elevate Wealth LLC, founded in 2025, serves individual and high-net-worth clients as well as various entities, offering discretionary asset management alongside comprehensive financial planning and consulting. The firm employs a combination of fundamental analysis, Modern Portfolio Theory, and passive/index strategies to construct and monitor portfolios, with a focus on coordination with outside professionals for trust, tax, and estate matters.

Elisabeth Dawson Scherbaum is a financial advisor at Copia Wealth Management Advisors, Inc. in San Diego, CA, holding Series 63 and Series 65 licenses with nine years of industry experience. She has worked at Copia Wealth Management since 2017 and previously spent time with Regal Investment Advisors, LLC. Outside of her advisory role, she serves as president and CEO of Dawson Insurance and Financial Services, Inc., where she provides consulting and coaching services. Copia Wealth Management Advisors, Inc. serves primarily individual households, managing approximately $19.7 million on a discretionary basis for about 86 clients. The firm offers discretionary portfolio management through third-party asset managers, comprehensive financial planning, and ongoing due diligence on certain private securities, using a mosaic research approach that combines fundamental, technical, and cyclical analysis.

Parker Hann is a Series 65-licensed advisor with Simplifi, Inc. based in San Diego, CA. He has one year of industry experience, including prior roles at Ospi Montecito and The Nugget Bar and Grill. Simplifi, Inc. provides customized investment management and financial planning services to individual and high-net-worth clients, offering discretionary portfolio management, periodic rebalancing, and standalone financial planning. The firm manages various custodial accounts and inherited-IRA transitions, utilizing a diversified asset allocation strategy supported by third-party research and artificial intelligence for administrative and compliance functions.

Matthew Cobas is a CFP® and holds a Series 66 license with 10 years of industry experience. He has worked at Kaiyo Wealth LLC since 2021 and previously held positions at Origin Investment Advisory LLC, Mariner Wealth Advisors, Wells Fargo Clearing, and Msec, LLC. He is based in San Diego, CA. Kaiyo Wealth LLC provides discretionary portfolio management and customized financial planning for individuals, high-net-worth clients, and charitable organizations. The firm’s investment approach incorporates modern portfolio theory, long-term trading, margin, and options strategies, while also utilizing outside managers and maintaining regular portfolio monitoring.

Eric Sigdestad is a CFP® professional with 20 years of industry experience, currently serving as the sole advisor at Simplifi, Inc. He has led the firm since 2010, including its previous iteration as Sigdestad Financial, Inc. Located in San Diego, CA, he holds Series 63 and Series 65 licenses. Simplifi, Inc. provides customized investment management and financial planning primarily to individuals and high-net-worth clients, managing approximately $251.5 million in discretionary assets across nearly 300 client relationships. The firm emphasizes asset allocation and diversification using mutual funds, ETFs, individual securities, and incorporates human oversight alongside artificial intelligence for operational efficiencies.

Denisse Arebalo is a financial advisor at Pacific Canyon Investments with eight years of industry experience. She holds a Series 66 designation and has worked previously at Bay Street Capital Holdings and TD Ameritrade. Pacific Canyon Investments serves individual, family, and institutional clients, offering financial planning, portfolio management, and discretionary advisory services. The firm employs a tech-forward, innovation-focused investment approach combined with value-based fundamental analysis and provides customized portfolio solutions and educational seminars.

David Sprenger is a financial advisor at Qualified Planning with 10 years of industry experience. He holds the ChFC® and Series 63 designations. Sprenger has held roles at The Leaders Group DBA Simplicity Investments, Alkeme Insurance, IRA Solutions, Inc., and Dunhill Marketing & Insurance Services, Inc., where he serves as Vice President. Qualified Planning provides investment advisory services primarily to individual clients, as well as pension/profit-sharing plans and corporations. The firm offers passive, asset-allocation-driven portfolios mainly composed of ETFs and mutual funds, alongside model portfolio management and third-party manager monitoring.

Joel Everett is a CFP® and ChFC® with 11 years of experience in financial advising. He has been with Financial Planning Consultants and affiliated with LPL Financial since 2015. In addition to his advisory role, he serves as an insurance agent specializing in life, disability, and long-term care policies. Financial Planning Consultants offers financial planning and consulting services to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm provides non-discretionary investment recommendations across a range of asset types, focusing on a long-term, value-oriented approach without managing client assets or charging fees based on assets under management.

Matthew Miller is a financial advisor with WBB Securities, LLC, holding Series 63 and Series 65 licenses and with 31 years of industry experience. He has worked at Vanderbilt Securities, LLC and other related firms since 2020, and has been with WBB Securities, LLC since 2011. Miller also engages in occasional consulting and trade review for various firms outside of regular market hours. WBB Securities, LLC provides investment advisory and broker-dealer services through managed account programs that serve individual clients, pension plans, charitable organizations, corporations, and other advisers. The firm combines asset allocation and custom portfolio construction using fundamental, technical, and charting analysis and operates both as a registered investment adviser and a FINRA-member broker/dealer with in-house investment banking and equity research capabilities.

Frank Montes Jr. is a financial advisor at Torrey Pines Financial, Inc. He holds Series 63 and Series 65 licenses and has 18 years of industry experience. Montes has operated Frank E. Montes Financial Services, Inc. since 2001. He also receives commissions from insurance companies for products including fixed and indexed annuities, life, medical, disability, long-term care, dental, and vision insurance. Torrey Pines Financial provides financial planning, consulting, and portfolio management services, focusing on trusts, estates, retirement plans, and IRAs. The firm uses fundamental analysis and Modern Portfolio Theory to develop long-term, asset-allocation strategies and introduces clients to third-party asset managers.

Riley Kelly is a financial advisor at Wealth Legacy Group, Inc. in San Diego, CA, with 42 years of industry experience. He holds the ChFC® designation and Series 63 and Series 65 licenses. He has worked at Wealth Legacy Group since 2006 and previously spent time at Osaic FA, Inc. and Sentra Securities Corporation. In addition to his advisory role, he owns and operates R. J. Kelly Financial & Insurance Services, where he is licensed to sell life and health insurance. Wealth Legacy Group serves high-net-worth families, business owners, and select individual, nonprofit, and institutional clients by providing wealth planning, business succession, philanthropic planning, insurance guidance, and tax-deferred real estate investment assistance. The firm uses institutional third-party managers and model platforms for investment implementation and employs a proprietary planning process called the Critical Actions Roadmap to coordinate multi-topic planning.

Fabian Waldner is a financial advisor at Eiger Wealth Management, LLC with 18 years of industry experience. He holds a Series 65 designation and has been with Eiger Wealth Management since 2019, following a 12-year tenure at Cornerstone Wealth Management. Eiger Wealth Management primarily serves individual accredited and high-net-worth clients, as well as qualified retirement plans, trusts, and other entities, offering wealth management, portfolio management, and financial planning. The firm employs a multi-asset approach that combines publicly traded equities, fixed-income strategies, interval funds, and private placements, while also utilizing third-party managers and providing access to private investment opportunities.

David Tsow is a financial advisor at Pandora Wealth, Inc. in San Diego, CA, holding Series 63 and Series 66 licenses with 25 years of industry experience. His prior work includes ten years at Charles Schwab and five years at Spotlight Asset Group. Pandora Wealth provides discretionary portfolio management and financial planning services to individual, high-net-worth, business, and institutional clients. The firm constructs customized, diversified portfolios and employs fundamental and cyclical analysis, offering tailored strategies for special situations alongside estate-planning document services through a partnership with Helios Integrated Planning.

Jason Barney is a financial advisor at Wealth Alliance, LLC in El Cajon, CA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 27 years of industry experience and has been with Wealth Alliance since 2011. In addition to his advisory role, he owns Wealth Alliance Tax and Financial Services LLC, which provides tax preparation, bookkeeping, and payroll processing. Wealth Alliance serves individuals, families, trusts, estates, retirement-plan participants, and small businesses, focusing on business owners, executives transitioning to retirement, and emerging-wealth professionals. The firm manages approximately $64.5 million across 266 clients using proprietary model portfolios and combines quantitative and fundamental analysis with discretionary portfolio management.

Jeffrey Platt is a CFP® and CFA® with 18 years of experience in financial advising. He has been with Platt Wealth Management since 2018 and previously worked at Wealth Quest Partners from 2015 to 2018. Platt Wealth Management provides discretionary investment management and financial planning services to individuals, including high-net-worth clients, as well as corporate and retirement plan clients. The firm employs a Modern Portfolio Theory-based approach focused on strategic asset allocation and diversified mutual fund exposure, alongside services such as retirement planning, estate analysis, and consulting on Social Security and insurance.

Kent Stone is a financial advisor with Clutinger Williams & Verhoye Inc in San Diego, CA, holding 24 years of industry experience. He has been with Clutinger Williams & Verhoye since 2008. Clutinger Williams & Verhoye Inc provides personalized, fee-only investment management and advisory services to individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm uses an active, tactical asset allocation approach with a focus on individual stocks, bonds, ETFs, and closed-end funds, managing accounts primarily on a discretionary basis.