Barbara Norman is a CFP® professional with 26 years of industry experience, operating independently through her firm Sage Path Solutions in San Diego, CA. Her prior work includes managing her own sole proprietorship and operating under various business names related to Sage Path Solutions since 2014. She serves on the Scripps Hospital Gift Planning Advisory Council as a volunteer. Sage Path Solutions provides discretionary asset management and financial planning services to individuals, trusts, estates, charitable organizations, and business entities. The firm uses a combination of fundamental, technical, charting, and cyclical analysis to tailor investment programs under discretionary authority, with ongoing portfolio management and periodic reviews including rebalancing and tax-loss harvesting.

Bradley Gilbert is a financial advisor with Thrive Portfolios in San Diego, CA, holding Series 63 and Series 65 licenses and bringing six years of industry experience. He has worked at multiple firms including Impact Investors and Cresta Advisors, and currently owns Delta Companies, LLC, where he provides consulting services related to property management. Thrive Portfolios serves individual investors and other registered investment advisers with discretionary asset management, financial planning, and consulting services. The firm combines boutique scale with institutional-style work, acting as a sub-advisor to other RIAs while offering educational content and public seminars.

Siva Kumar is the sole advisor at Serene Growth Partners LLC in San Diego, CA. He holds a Series 65 designation and has 10 years of industry experience. Kumar is also the managing member of Zen Trading LLC, an investment-related business where he provides portfolio management services. Serene Growth Partners is an independent investment adviser serving high-net-worth individuals with discretionary asset management and ongoing portfolio supervision. The firm employs a combination of fundamental, technical, and charting analysis across long- and short-term strategies, and offers several alternative fee structures including performance-based fees for qualified clients.

Jonathan Luskin is a CFP® with 10 years of industry experience and is the principal of Luskin Financial Planning, an independent advisory firm based in San Diego, CA. His prior roles include positions at Ferri Investment Solutions, Define Financial, LLC, and Advanced Practice Advisors, LLC. He is also the owner of an investment-related online blog and engages in financial writing and consulting. Luskin Financial Planning provides advice-only financial planning services to individuals, families, family offices, retirement plan sponsors, trustees, nonprofit organizations, and other advisers. The firm employs a passive, index-focused investment approach using low-cost mutual funds and ETFs, and offers fixed-fee or hourly services without managing client assets or exercising investment discretion.

Andrew Arroyo is the principal of Andrew Arroyo Investments, LLC and holds a Series 65 designation with 15 years of industry experience. He has operated Andrew Arroyo Real Estate Inc. since 1999, focusing on residential real estate sales and investment. Arroyo is also involved in managing real estate and securities investment funds through related entities. Andrew Arroyo Investments, LLC provides investment supervisory services to pooled investment vehicles and a variety of individual, corporate, and retirement clients. The firm employs a combination of fundamental, technical, and cyclical analyses across equity, options, and real estate-related investments, offering both discretionary and consultative advisory services.

Michael Hood is a financial advisor with Hood Financial, LLC in San Diego, CA, holding the ChFC® designation and a Series 65 license. He has 11 years of industry experience, including roles at ARS Investment Advisors, Inc. and Allegis Investment Advisors, LLC. Hood also spends a significant portion of his time as a licensed insurance agent. Hood Financial serves individual and high-net-worth clients by providing discretionary investment management and comprehensive financial planning through its "Complete Sherpa Experience" platform. The firm employs a primarily passive investment strategy using diversified, asset-class-weighted portfolios with index mutual funds and ETFs, and incorporates portfolio audits, risk scoring, and periodic reviews into its process.

Thomas Murphy is a CFP®-certified financial advisor with 30 years of industry experience. He has operated T.M. Murphy Investment Management, Inc. since 1992 in San Diego, CA. T.M. Murphy Investment Management provides discretionary portfolio management primarily for individual investors and some small-company retirement plans, managing approximately $33.3 million across 143 accounts. The firm focuses on no-load mutual funds and diversified portfolios tailored to clients’ asset-allocation goals and risk tolerances, with selective use of individual stocks or ETFs, and offers optional hourly financial planning services.

Scott Melbrod is the principal of Taxable Wealth in San Diego, CA, with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at NATIONAL PLANNING CORPORATION and M Wealth Management, LLC. Outside of his advisory work, he serves as managing partner of Accumulation Wealth Partners and SH Partners, LLC, the latter involving real estate management. Taxable Wealth provides investment advisory and financial planning services primarily to individual and high-net-worth clients, as well as corporate and business clients. The firm uses a passive investment approach with low-cost index funds complemented by fundamental analysis and periodic portfolio reviews, and offers portfolio management including third-party managers, tax return preparation, and consulting on digital assets.

Chester Holliday is a CFP® and holds a Series 66 designation with nine years of industry experience. He currently serves as the sole advisor at Elite Wealth Management, LLC, a firm he joined in 2021 following prior work with Andina Capital Management, LLC. Elite Wealth Management provides continuous investment management and comprehensive financial planning to individuals and high-net-worth clients, along with employee benefit plan advisory services for employer plan sponsors. The firm employs a combination of passive and active strategies and offers individualized account management, pension consulting, and educational seminars.

Mark Barker is a Series 65-licensed financial advisor with 18 years of industry experience. He is the sole principal of Legion Capital Management, LLC, an independent investment advisory firm based in San Diego, California. Barker has been self-employed in the financial sector since 1997. Legion Capital Management serves individual investors and family trusts, focusing on retirement-plan participants in 401(k) plans, IRAs, and self-directed retirement accounts. The firm uses a combination of technical research and fundamental analysis within an adaptive asset-allocation model to manage market cycles and downside risk, prioritizing principal preservation alongside growth.

James Bowler is a financial advisor at Colsara National Wealth Management LLC with 12 years of industry experience. He holds the Series 66 designation and previously worked at Wells Fargo Advisors, LLC, and Wells Fargo Clearing Services, LLC. Bowler has been with Colsara National Wealth Management since 2019. Colsara National Wealth Management provides discretionary investment management and financial consulting to individuals, high-net-worth clients, trusts, estates, and charitable organizations. The firm employs a long-term, customized investment approach using fundamental and technical analysis to construct portfolios that include ETFs, mutual funds, individual stocks, bonds, and derivatives, and it also offers written financial plans and ongoing portfolio supervision.

Ian Maxwell is a financial advisor at Reviresco Wealth Advisory LLC with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Virtue Capital Management and Retirement Wealth Advisors. In addition to his advisory role, Maxwell operates a college planning service offering guidance on college preparation and financial aid, and he owns a tax planning and preparation business. Reviresco Wealth Advisory is an independent registered investment adviser serving individuals, couples, executives, entrepreneurs, and business entities with comprehensive financial planning and discretionary investment management. The firm customizes recommendations based on clients’ circumstances, risk tolerance, and time horizon, and implements portfolios using third-party model portfolios while retaining discretionary authority over those selections.

James Holland is the founder and sole advisor at Holland Strategic Wealth Advisors LLC in La Jolla, CA. He holds the CFP® designation and Series 66 license, with four years of industry experience. His background includes roles in mortgage lending and real estate brokerage, alongside operating Aethon Consulting LLC, a financial and operational consulting firm. Holland is also licensed as an insurance agent and mortgage associate. Holland Strategic Wealth Advisors serves individuals, high-net-worth clients, corporations, charities, and pension and profit-sharing plans. The firm employs a passive investment approach grounded in modern portfolio theory, providing discretionary management and integrating financial planning with investment oversight. In addition to advisory services, the firm offers insurance, mortgage, and real estate services through its principal’s related licenses and provides non-ERISA fiduciary retirement plan consulting and educational seminars.

Kenneth Corlett is a CFP® professional with 23 years of industry experience, currently serving as the sole advisor at Corlett Financial, Inc. in San Diego, CA. He previously worked at Worthpointe Wealth Management for two years before founding his firm in 2017. Corlett is also a partner and wealth advisor with another investment advisory firm and holds active securities licenses, though he has not been engaged in insurance activities for over two years. Corlett Financial, Inc. provides portfolio management, financial planning, and consulting services primarily to individual and high-net-worth clients. The firm employs an investment approach that combines cyclical analysis with modern portfolio theory, offering both discretionary and non-discretionary management with a focus on tailored investment strategies and regular account reviews.

Robert Shopes is a CFP® with 15 years of industry experience and operates as the sole advisor at Favrile Financial in Del Mar, CA. His prior experience includes seven years at Waddell & Reed, Inc. and over two decades with Exotica Biologics. Outside of his advisory work, he owns and manages an eBay store, TeraBio, which buys and resells used goods online. Favrile Financial offers discretionary wealth management and financial planning services to individuals, high-net-worth clients, and corporate entities. The firm’s investment approach emphasizes fundamental analysis and long-term orientation, utilizing low-cost mutual funds and ETFs alongside other securities, while employing fixed and hourly fee arrangements rather than asset-based fees.

Lawrence Lane is a CFP® with 14 years of industry experience and is the sole advisor at L Squared Wealth Management in San Diego, CA. He has led the firm since its founding in 2014. In addition to his advisory role, Lane works as an independent insurance agent. L Squared Wealth Management provides financial planning and portfolio supervision for individuals, high-net-worth clients, and small businesses. The firm employs a blended investment approach using fundamental, technical, and cyclical analysis, and offers modular planning services including retirement, tax, education, estate, and insurance planning.

Cady North is a CFP®-certified financial advisor with 10 years of industry experience, operating North Financial Advisors in San Diego, CA. She has been with the firm since 2015 and also engages in teaching, speaking, and coaching activities, in addition to authoring books. North Financial Advisors is an independent firm managing approximately $41.7 million for about 30 clients, including individuals, charitable organizations, and businesses. The firm employs a primarily passive investment approach with diversified, low-cost index portfolios and offers comprehensive, ongoing financial and business planning services alongside public education through seminars and workshops.

Gil Hanoch is a financial advisor at Quality Asset Management, LLC in La Jolla, CA, holding a Series 65 license with 17 years of industry experience. He has been with Quality Asset Management since 2011. Quality Asset Management is a small, independent advisory firm managing approximately $63.7 million for 17 client households, primarily serving individual and high-net-worth clients. The firm employs a globally diversified, asset-allocation approach using no-load mutual funds, ETFs, and other pooled vehicles, offering discretionary portfolio management with quarterly rebalancing and detailed performance reporting.

Stuart Schiffman is a CERTIFIED FINANCIAL PLANNER™ (CFP®) and Chartered Financial Consultant (ChFC®) with nine years of industry experience. He is the sole advisor at Compound Wealth Advisors, an independent registered investment adviser based in San Diego, CA. His prior roles include positions at CWM, LLC DBA Gold Family Wealth and Virtual Connect, LLC. Compound Wealth Advisors provides discretionary asset management, retirement income and tax-aware planning, limited estate planning, and standalone financial planning services primarily to high-net-worth individuals. The firm employs Modern Portfolio Theory and Monte Carlo simulation to develop customized asset allocations and usually operates with discretionary trading authority.

Michael Donahue is a financial advisor with Donahue Financial Group in San Diego, CA, holding Series 63, 65, and 66 designations and bringing 32 years of industry experience. Prior to founding Donahue Financial Group in 2018, he worked at Probabilities Fund Management, LLC and Ausdal Financial Partners. Donahue Financial Group manages approximately $81 million in discretionary assets for individual and high-net-worth clients, focusing on fundamental analysis and a long-term trading approach. The firm provides tailored Investment Policy Statements, monthly portfolio reviews, and requires clients to custody assets at Schwab Institutional.