Thomas Faley is a financial advisor with \u0026PARTNERS, holding a Series 66 designation and 24 years of industry experience. He previously worked for Wells Fargo Clearing and Wells Fargo Advisors, LLC for a total of 11 years. \u0026PARTNERS serves a diverse range of individual and institutional clients, including high-net-worth individuals, retirement plans, and charitable organizations. The firm provides investment management, financial and tax planning, and retirement-plan consulting, using a combination of fundamental, technical, and quantitative analysis along with proprietary and third-party strategies.

Mark Ruffo is a financial advisor with Transamerica Retirement Advisors, LLC based in San Diego, CA. He holds Series 63 and Series 66 licenses and has 28 years of industry experience. His career includes roles at Lincoln Financial and TD Ameritrade. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through programs focused on asset allocation and retirement guidance, utilizing Morningstar Investment Management for portfolio construction and oversight.

Wang Liao is a CFA® charterholder and holds a Series 66 license with eight years of industry experience. He has been with HSBC Securities (USA) Inc. and HSBC Private Banking since 2017, and previously worked at Abroad Intellect, Inc. and DLD Asset Management, Lp. He also spent two years at Columbia University earlier in his career. HSBC Securities (USA) Inc. offers managed account programs to individuals, retirement accounts, charitable organizations, and corporations through various client-directed and discretionary program types. The firm uses a structured investment process with multiple risk profiles and collaborates with affiliated and third-party providers for advisory and fund management services.

Robert Mccauley is a financial advisor at Citigroup Global Markets with Series 63 and Series 66 credentials and four years of industry experience. His prior experience includes roles at Fidelity Investments and various positions connected to Colorado State University. Citigroup Global Markets serves individual and institutional clients across multiple wealth segments, offering a wide range of investment advisory programs and brokerage services. The firm employs multi-asset, multi-manager strategies through discretionary and non-discretionary programs, managing large-scale institutional and high-net-worth client relationships.

Eric Enriquez is a financial advisor at Commonwealth Financial Network with seven years of industry experience. He holds the Series 66 designation and previously worked at Independent Financial Group, LLC and Mission Bay Aquatic. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of individual and institutional clients. The firm offers a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Robert Sandrew is a financial advisor at Mariner with 28 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Integrated Wealth Concepts LLC and LPL Financial for nine years. Mariner serves a diverse client base including individuals, high-net-worth households, and various institutional entities, providing investment management, financial planning, retirement plan consulting, and coordinated tax and family office services. The firm employs discretionary, customized portfolios supported by an internal team and third-party managers, with a notable integration of tax and accounting services uncommon at its enterprise scale.

Ryan Southwick is a financial advisor with Eagle Strategies (New York Life) based in San Diego, CA. He holds the Series 63 and Series 65 designations and has 12 years of industry experience. Ryan operates under the DBA Zephyr Financial Strategies & Insurance Solutions, where he brokers non-registered insurance products in addition to his advisory work. Eagle Strategies serves individual and institutional clients with financial planning, investment management, and retirement-plan advisory services. The firm offers a range of program types and manages the majority of its assets on a non-discretionary basis, working within an integrated New York Life affiliate structure.

Tom Gibbings is a financial advisor at Prime Capital Financial with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has held roles at firms including 20/20 Financial Advisers and Ameritas Life Insurance Company. He serves as a board member of the Optimist Club Foundation of Point Loma, which raises funds for youth programs in the community. Prime Capital Financial is an SEC-registered enterprise advisory firm serving individuals, trusts, corporations, and retirement plans. The firm offers asset management, financial planning, family office services, and retirement plan solutions, using a range of investment strategies and maintaining an affiliated accounting subsidiary.

Jon Greulich is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His career includes roles at Principal Securities, Bb&T/John Burman Insurance, and Equitable Advisors. Outside of his advisory work, he is involved in selling employee benefits and group health plans through separate insurance businesses. Independent Financial Group, LLC serves a broad client base including individuals, high-net-worth clients, trusts, and corporate and pension plans. The firm offers financial planning and portfolio management using a combination of firm and third-party models, blending passive and active investments across various risk profiles.

Alexander Urbanek is a CFP® professional with four years of industry experience. He is currently with Cerity Partners LLC and previously worked at Von Berge Wealth Management Group, LLC and Mariner Wealth Advisors. Urbanek is based in San Diego, CA. Cerity Partners is an SEC-registered investment adviser serving a diverse client base that includes individuals, families, trusts, corporations, charitable institutions, foundations, and other institutional investors. The firm offers a range of services including investment management, financial planning, tax and insurance support, and access to alternative and private-market investments, with a focus on customized, diversified asset allocation and private market programs for qualified clients.

Karan Dang is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and nine years of industry experience. He previously worked at Bank of America and Merrill from 2015 to 2021 before joining Commonwealth and Longwave Financial, LLC in 2021. Outside of finance, he owns and operates the Unimpressed Club, a music recording and production business based in Yorba Linda, CA. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and support services, including discretionary model portfolios and personalized investment solutions, while enabling advisors to manage client portfolios using a broad selection of securities and insurance products.

Gregory De Palma is a CFP® with 12 years of industry experience, currently serving at Empower Advisory Group. He has previously worked at Personal Capital Advisors and joined Empower in 2023. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, offering integrated services tied to Empower’s recordkeeping and administrative platforms. The firm emphasizes long-term portfolio returns and annual rebalancing through proprietary and third-party methodologies.

Isabel Quinn is a financial advisor at Cerity Partners LLC with one year of industry experience. She holds a Series 65 designation and previously worked at Private Wealth Partners, LLC. Outside of her advisory role, she has experience with Some Like It Hot Yoga & Boutique and has a background connected to Marin Country Club and the University of Oregon. Cerity Partners provides customized wealth management and related services to a broad national client base, including high-net-worth individuals, families, trusts, business entities, and institutional investors. The firm employs tailored asset-allocation, manager selection, and proprietary quantitative screens to build client portfolios, alongside offering private-markets investments and affiliated pension consulting and insurance services.

Nancy Rhew is a CFP® professional with 33 years of industry experience, currently serving at Independent Financial Group, LLC since 2007. She previously worked at Kingsroad Financial Insurance Services Inc. and Mass Mutual Investors Services. In addition to her advisory role, she owns a marketing DBA called Financial Chapters and is a licensed insurance agent offering various insurance products. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse clientele, including individuals, high-net-worth clients, trusts, and institutional plans. The firm employs both proprietary and third-party models to develop customized investment strategies, combining active and passive management across a range of risk profiles.

Michael Acio is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. His career includes roles at LPL Financial LLC and Independent Financial Group, among others. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing about $212.7 billion in client assets. The firm offers a broad platform of managed-account programs, third-party asset manager access, and custody services, supporting advisors with both internally managed and outsourced investment solutions.

Steven Honeyfield is a financial advisor with Valic Financial Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has been with Valic Financial Advisors since 2003. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.

Jake Cohen is a financial advisor at Creative Planning with eight years of industry experience. He holds a Series 66 designation and has worked at Highcrest Capital, BANK of AMERICA, Merrill, and Permanent Value Inc. prior to joining Creative Planning. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals and institutional clients. The firm employs a financial-planning-led approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by tax-loss harvesting, individually managed strategies, and selective private market exposure.

Christopher Barber is a financial advisor at Commonwealth Financial Network with 14 years of industry experience. He holds the Series 66 designation and has been with Commonwealth Financial Network since 2007, with a brief tenure at Unidine Corporation from 2017 to 2018. Barber is based in San Diego, CA. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm offers a broad adviser-support platform including managed-account programs, third-party asset manager access, and retirement consulting, managing roughly $212.7 billion in client assets.

Fermin Mesina is a financial advisor at OSAIC Institutions, Inc. with 23 years of industry experience. He holds a Series 66 designation and has worked at firms including Infinex Investments, J.P. Morgan Securities, and Wells Fargo Investments. In addition to his advisory role, he serves as a senior consultant at USMX Financial Group, providing property and casualty insurance and estate planning coordination. OSAIC Institutions, Inc. is an SEC-registered investment adviser serving individuals, ERISA retirement plans, trusts, estates, and corporate clients through a large network of investment adviser representatives. The firm offers customized advisory services, financial planning, and access to alternative investments while operating a hybrid adviser/broker-dealer model with both discretionary and non-discretionary account management.

Paul Gugger is a financial advisor with United Planners Financial Services of America, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Securities America, and Arbor Point Advisors. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base that includes individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent representatives and uses a variety of custodians and third-party managers, with a large portion of assets managed on a non-discretionary basis.