Zachary Kitz is a financial advisor with Hilltop Securities Inc. in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. He has been with Hilltop Securities since 2012. Hilltop Securities Inc. offers brokerage, execution, clearing, custody, investment advisory, and retirement-plan consulting services to a diverse client base including individuals, corporations, nonprofits, and institutional investors. The firm employs an open-architecture platform with a range of adviser-managed and model-based programs, and provides specialized services such as municipal bond strategies co-advised by Franklin Templeton Group.

Irma Dipp is a financial advisor at Snowden Capital Advisors LLC with 18 years of industry experience. She holds the Series 66 designation and has worked at Snowden Lane Partners since 2015 and Merrill from 2008 to 2015. Snowden Capital Advisors primarily serves high-net-worth individuals and family offices, as well as institutional clients such as pension plans and endowments. The firm offers discretionary and non-discretionary portfolio management, third-party manager selection, financial planning, and ERISA consulting, employing model-based strategies across a broad range of investment instruments.

Matthias Shortridge is a CFP® and Series 63-registered advisor with three years of industry experience. He is currently with Pure Financial Advisors, LLC, having previously worked with Northwestern Mutual Wealth Management Company and other firms. Pure Financial Advisors serves individual and high-net-worth clients with financial planning and portfolio management, employing a planning-centered investment approach overseen by an Investment Committee that incorporates modern portfolio theory and tax-aware strategies. The firm combines enterprise-scale infrastructure with distinctive operational features such as private equity ownership and advisor involvement in adult-education teaching.

Joseph Hodapp is a CFP® professional at Pure Financial Advisors, LLC with one year of industry experience. He has worked at Pure Financial Advisors since 2022 and previously held roles at Century 21 Masters and Patriot Pacific Financial Corp. Pure Financial Advisors, LLC is a multi-team registered investment adviser managing approximately $11 billion in assets for individual and high-net-worth clients. The firm offers comprehensive financial planning and discretionary portfolio management, employing a financial-planning-centered approach based on modern portfolio theory and tax-aware asset location.

Robert Nowak is a CFA® charterholder with six years of industry experience. He is currently with Pure Financial Advisors in San Diego, where he has worked since 2022. Prior to that, he was with Interactive Brokers for one year and RMV Capital for six years. Pure Financial Advisors provides financial planning and portfolio management primarily for individual and high-net-worth clients, as well as services for trusts, estates, charitable organizations, and pension and profit-sharing plans. The firm’s investment approach is planning-centered and incorporates modern portfolio theory, tax-aware techniques, and the use of sub-advisers for specialized strategies.

Rachel Fuss is a CFP® and holds a Series 66 license with 12 years of industry experience. She is currently with Pure Financial Advisors, LLC and previously worked at Securian Advisors Northwest, Minnesota Life Insurance Company, Securian Financial Services Inc, and Edward Jones. She was also the owner of Charthouse Financial LLC, a finance business that is in the process of closing. Pure Financial Advisors provides financial planning and portfolio management primarily for individual and high-net-worth clients, as well as for trusts, estates, charitable organizations, and pension and profit-sharing plans. The firm employs a planning-centered investment approach overseen by an Investment Committee, incorporating modern portfolio theory, tax-aware techniques, and the use of sub-advisers for specialized portfolio sleeves.

Andrew Baker is a financial advisor with Sovran Advisors, LLC in San Diego, holding Series 63 and Series 65 licenses and possessing 13 years of industry experience. He is the owner of Financial Haus, where he leads a team and mentors junior advisors, in addition to managing client relationships. Outside of financial services, Baker owns BakerStayz, a short-term rental business. Sovran Advisors serves individuals, corporations, and retirement plan sponsors with financial planning and portfolio management, employing both discretionary and non-discretionary strategies. The firm utilizes a combination of active and passive investments and offers access to third-party managers and unified managed account platforms.

Joan O'Connell is a financial advisor at MissionSquare Retirement with 16 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at Blue Water Capital Management, LLC, and operated her own consulting business. MissionSquare Retirement serves state and local government employers, their employees, and certain nonprofit entities by administering deferred compensation and qualified retirement plans. The firm offers plan administration, recordkeeping, education, and Guided Pathways Advisory Services, which include discretionary Managed Accounts and nondiscretionary Fund Advice developed with Morningstar Investment Management.

Andrew Levacy is a financial advisor with CreativeOne Wealth, LLC, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His career includes roles at CreativeOne Wealth (formerly ChangePath, LLC) and Sorrento Pacific Financial, LLC. Outside of investment advising, he has operated The Levacy Group, providing income tax preparation and planning services as an enrolled agent. CreativeOne Wealth, LLC offers fee-based asset management, financial planning, and retirement plan consulting to individuals, corporations, and other RIAs. The firm manages primarily discretionary accounts using proprietary and third-party model portfolios, employing strategies that include modern portfolio theory, fundamental and quantitative analysis, and offers access to ETFs, mutual funds, options, and private investments.

Zareh Shahinian is a CFP® professional with eight years of industry experience, currently serving as an Investment Advisory Representative at Sovran Advisors, LLC. He previously worked with firms including Ameriprise Financial Services, Inc. and Prudential Insurance Company of America. Shahinian is also the owner of Oliria Financial LLC and is involved in fixed insurance sales. Sovran Advisors provides financial planning, advisory services, and portfolio management to individuals, corporations, and retirement plan sponsors. The firm uses a combination of active and passive investment strategies, guided by written investment policy statements, and offers access to third-party managers and unified managed account platforms.

Lucas Jacobson is a CFA® charterholder with eight years of industry experience, currently serving as a financial advisor at Mutual Advisors, LLC since 2023. His prior roles include positions at MML Investors Services LLC, MassMutual Life Insurance Company, and Wall Street Associates. Jacobson also holds an independent insurance agent license, providing life insurance services outside of investment advising. Mutual Advisors, LLC serves a diverse client base that includes individuals, trusts, retirement plans, and institutional investors. The firm manages portfolios through a combination of active and passive strategies, utilizing various analytical approaches and third-party tools to align investment decisions with client objectives.

Ryan Burgess is a CFP® professional with 13 years of experience in the financial advisory industry. He is currently with Pure Financial Advisors, LLC and has previously worked at Blue Oaks Financial, Fisher Investments, and several other firms. Pure Financial Advisors serves individual and high-net-worth clients, as well as trusts, estates, charitable organizations, and pension plans. The firm employs a planning-centered investment approach overseen by an Investment Committee, utilizing modern portfolio theory, tax-aware strategies, and specialized sub-advisers.

David Noosinow is a financial advisor at Mariner Independent with 14 years of industry experience. He holds Series 63, Series 66, and Series 65 designations and has previously worked at Sanford C. Bernstein and AdvicePeriod, LLC. He is also the managing member of PHALANX VFO, LLC, providing investment advisory services through Mariner Platform Solutions. Mariner Independent serves a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm offers a wide range of investment and financial planning services supported by both in-house and third-party resources, with a comprehensive approach that includes access to affiliated trust and institutional consulting services.

Howard Arden III is a financial advisor at Hilltop Securities Inc. in San Diego, CA, holding Series 63 and Series 65 licenses with 20 years of industry experience. He has been with Hilltop Securities since 2006. Hilltop Securities Inc. provides brokerage, execution, clearing, custody, investment advisory, and retirement-plan consulting services to individuals, corporations, nonprofits, and institutional clients. The firm manages approximately $2.25 billion in assets and offers a range of investment solutions through an open-architecture platform that includes adviser-managed and model-based programs, with features such as municipal bond strategies, tax- and impact-overlay services, and custody capabilities uncommon among enterprise advisers.

Ricardo Leyva is a financial advisor with Snowden Capital Advisors LLC in San Diego, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. He has worked with Snowden Lane Partners since 2015 and previously spent eight years at Merrill. Snowden Capital Advisors primarily serves high-net-worth individuals and family offices, along with pension plans, endowments, and governmental agencies, offering portfolio management, third-party manager selection, financial planning, and ERISA consulting. The firm employs client-specific, model-based strategies across a broad range of instruments and maintains a material institutional client base alongside its individual wealth management services.

Nathaniel Ritchison is a CFP® with 21 years of industry experience, currently serving at Pure Financial Advisors since 2014. He holds a Series 65 license and is based in San Diego, CA. Pure Financial Advisors provides financial planning and portfolio management primarily for individual and high-net-worth clients, as well as trusts, estates, charitable organizations, and pension and profit-sharing plans. The firm employs a planning-centered investment approach overseen by an Investment Committee, incorporating modern portfolio theory, tax-aware techniques, and the use of sub-advisers for specialized strategies.

Dean Heimbach is a CFP® professional with 15 years of industry experience, currently affiliated with Pure Financial Advisors, LLC. He has worked at Pure Financial Advisors since 2020, with prior experience at Retirement Planners of America from 2014 to 2019. Pure Financial Advisors, LLC is a multi-team registered investment adviser managing approximately $11 billion in assets for individual and high-net-worth clients. The firm emphasizes a financial-planning-centered approach using academic frameworks and offers services including discretionary portfolio management, pension consulting, and donor-advised fund solutions.

Savannah Baker is a financial advisor at Wedbush Securities Inc. with two years of industry experience and holds a Series 66 designation. Prior to joining Wedbush, she was with Equitable Advisors. Outside of her advisory role, Savannah works as a server and bartender at Sam's Tavern and participates as an independent contractor bartender for Seattle Pridefest. Wedbush Securities provides investment advisory and broker-dealer services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm offers a range of services such as portfolio management, wealth management, fixed income, commodities, and capital markets solutions.

Edgar Jimenez Mora is a financial advisor at Sovran Advisors, LLC with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Cetera Wealth Services, MassMutual, and J.P. Morgan Securities. Outside of finance, he manages El Ranchito, a family restaurant, and oversees operational improvements through Mora Administrative Management. Sovran Advisors provides investment advisory and financial planning services to individuals, high-net-worth clients, charitable and corporate entities, and retirement plans. The firm offers a range of portfolio management options and regularly reviews client accounts to tailor strategies to individual objectives.

Callie Perallon is a Senior Financial Advisor at Merrill Lynch Wealth Management, bringing 12 years of experience in the financial industry. She joined Merrill Lynch in 2019. Her expertise areas include family wealth management strategies, legacy planning, personal retirement planning, women and wealth, and retirement income. Callie holds the CERTIFIED FINANCIAL PLANNER® (CFP®) certification and the Certified Exit Planning Advisor (CEPA®) designation, along with being a Personal Investment Advisor (PIA). She earned a Bachelor's degree from Boise State University. Callie utilizes tools such as the Personalized Wealth Analysis® (PWA), a comprehensive wealth planning process that helps clients understand how their finances support life goals and adapt to life events and decisions. Originally from the Northwest, she relocated to San Diego after completing her education. Callie is married with children and leads an active lifestyle. She has participated in endurance events including the Pacific Coast Trail Ultra 50 mile race and the Los Cabos Ironman. Her personal interests include biking, cooking, golfing, running marathons, spending time with family, and practicing yoga.