Justin Kuntz is a CFP® and holds a Series 66 license, with 13 years of experience in the financial services industry. He has been with Pacific Wealth Management since 2013 and previously worked at Girard Securities, Inc. from 2013 to 2017. Pacific Wealth Management serves individuals, trusts, retirement plans, and business entities, managing approximately $318 million in assets across about 210 client relationships. The firm employs a client-specific, asset-allocation approach through its “Proactive Asset Management” framework, offering discretionary and non-discretionary asset management, financial planning, consulting, and 529 plan management.

Matthew Griffith is a CFP® credentialed financial advisor at Centura Wealth Advisory with 19 years of industry experience. He previously worked at Reilly Financial Advisors for eight years before joining Centura Wealth Management, LLC, where he has been since 2019. Griffith holds volunteer board positions with the charitable organizations HOMESTART and PL Optimists' youth funding program. Centura Wealth Advisory provides financial planning, investment management, and retirement plan advisory services to individuals, trusts, estates, charitable organizations, and business entities. The firm utilizes a diversified investment approach including mutual funds, ETFs, alternative investments, and Independent Managers, and serves as a fiduciary for retirement plans under ERISA when applicable.

Matthew Showley is a CFP® with 12 years of industry experience, currently serving as an advisor at Creative Capital Management Investments LLC since 2017. Prior to this, he worked at Creative Capital Management Inc from 2006 to 2017. Creative Capital Management Investments LLC provides fee-only investment advisory and financial planning services to individuals, high-net-worth clients, professionals, business owners, retirement plans, and families in business. The firm employs a long-term, evidence-based investment approach grounded in Modern Portfolio Theory, offering customized portfolios and specialized consulting in areas such as estate planning, tax planning, and business succession.

Deborah Spencer is a financial advisor at Reyes Financial Architecture Inc. with two years of industry experience. She holds a Series 65 designation and has previously worked at Strategic Wealth Advisors. Reyes Financial Architecture provides discretionary asset management, personalized financial planning, and consulting services primarily for high-net-worth individuals, trusts, estates, and small businesses. The firm employs a long-term investment approach, using fundamental, technical, and cyclical analysis to guide portfolio management.

Tyler Rowe is a CFP® and CFA® credentialed advisor with Stolper & Co., Inc. in San Diego, CA, bringing two years of industry experience. His prior roles include positions at Realty Income and Corbyn Investment Management, Inc. He has been with Stolper & Company since 2023. Stolper & Company provides investment management, manager and mutual fund selection, and financial planning services to individuals, trusts, estates, charitable organizations, and various business entities. The firm focuses on allocating client portfolios to subadvisers, offers investment consulting on a flat-fee basis, and manages a mutual fund selection program, serving a concentrated client base with substantial assets under management.

Stefan Meierhofer is a CFP® and CFA® with 25 years of industry experience, currently serving at Telos Capital Management, Inc. since 2009. He participates on the investment advisory committees for the Office of the City Treasurer and the San Diego Rescue Mission, providing input on investment strategy. Telos Capital Management offers discretionary investment management and financial planning to individuals, trusts, estates, retirement plans, small businesses, and charitable organizations. The firm employs an active, fundamentally driven investment approach combining bottom-up company analysis with top-down macroeconomic assessment, emphasizing asset allocation and diversification across multiple portfolio programs.

Ryan Ponsford is a financial advisor at Carmel Capital Partners, LLC with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at American Advisors Group, 303 Advisors, LLC, and Akili Capital. Outside of his advisory work, Ponsford is a licensed real estate broker in California, serves on the executive board of Main Street Philanthropy, and is the founder of Gateway for Good, a Benefit Corporation focused on corporate giving programs. He is also Principal of Strategic Mastery Inc., a strategic consulting firm serving closely held businesses and families. Carmel Capital Partners provides investment management and advisory services to individual and high-net-worth investors, pension and profit-sharing plans, trusts, estates, and corporations. The firm emphasizes fundamental valuation focused on free cash flow and capital preservation, utilizing customized portfolios, model portfolios, and allocations to mutual funds and ETFs, and acts as a private fund sponsor and manager for multiple private investment vehicles.

Louis Lange is a financial advisor with Superior Planning Wealth Management & Family Office in San Diego, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at LPL Financial and CalPro Network Financial Services. He serves as an advisory board member for the San Diego Center for Economic Education, contributing to financial education efforts in the community. Superior Planning Wealth Management & Family Office provides investment management and financial planning services to individuals, high-net-worth clients, trusts, estates, corporations, and charitable organizations. The firm employs a combination of proprietary strategic allocation models and customized portfolios, working with third-party strategists and sub-advisors to offer discretionary portfolio management tailored to client needs.

Babak Gahvari is a financial advisor at Canter Wealth with 15 years of industry experience. He holds the CFP® and Series 63 designations and has been with Canter Wealth and affiliated entities since 2017, previously working at Pure Financial Advisors, Inc. from 2014 to 2017. Canter Wealth is a fee-only investment adviser serving individuals, families, trusts, and institutional clients with discretionary asset management, financial planning, and consulting services. The firm emphasizes factor-based, tax-efficient, globally diversified portfolios primarily using ETFs and mutual funds, supported by an internal Investment Committee and operational use of technology and AI.

John Sedberry V is a financial advisor with Carmel Capital Partners, LLC, holding Series 63 and Series 65 credentials and 24 years of industry experience. Prior to joining Carmel Capital Partners and Superior Planning, LLC in 2024, he worked at Raymond James for nine years. He is a shareholder in Karl Strauss, a business related to his investment activities. Carmel Capital Partners provides discretionary and non-discretionary portfolio management primarily for individual and high-net-worth clients, along with financial planning, sub-advisory services, and private investment vehicle management. The firm actively sponsors and manages multiple private funds and special purpose vehicles, employing fundamental valuation and various investment strategies including derivatives, margin, and private equity allocations.

Wesley Read is a CFP® and Series 65 licensed advisor with 18 years of industry experience. He is president of Wesley W. Read Accountancy Corporation d/b/a PracticeCFO and has been involved with Silver Coast Investments LLC since 2011. Outside of investment advisory, he is a partner in a dental practice management business. PracticeCFO Investments serves individuals, high-net-worth clients, retirement plans, trusts, and institutional accounts, offering investment management, financial planning, and retirement-plan advisory services. The firm uses a long-term, Modern Portfolio Theory-based approach with low-cost ETFs and a combination of passive core exposure and tactical asset allocation, and it is affiliated with an accounting practice that provides tax and accounting services under separate agreements.

Robert Gaan is a CFP® with over 20 years of experience in financial advising. He has been with Christopher Weil & Company, Inc. since 1994. The firm provides discretionary investment management, financial planning, estate transition, and pension consulting services to a diverse client base including individuals, pension plans, charities, and corporations. Christopher Weil & Company employs a range of portfolio strategies incorporating derivatives and cryptocurrency-related ETFs, and it recently transitioned to a partially employee-owned structure with expanded executive leadership.

Matthew Calcagno is a CFP® professional with six years of experience at One Degree Advisors, Inc. and prior roles at LPL Financial, Torreycove Capital Partners, and the Alameda County District Attorney's Office. He is based in San Diego, CA. One Degree Advisors serves primarily high-net-worth individuals, business owners, and corporate clients with financial planning and discretionary investment management. The firm’s approach emphasizes personalized planning and portfolio construction using institutional-style and no-load mutual funds and ETFs, guided by Modern Portfolio Theory and a combination of fundamental and quantitative analysis.

Jonathan Grundman is a CFA® charterholder and holds a Series 65 license with 10 years of industry experience. He has worked at Adaptive Financial Consulting, LLC since 2017 and has been with Stratos since 2015. Adaptive Financial Consulting provides discretionary and non-discretionary portfolio management, financial planning, pension consulting, and standalone consulting services to individuals, high-net-worth clients, pension and profit-sharing plans, and businesses. The firm customizes portfolios based on client objectives and risk tolerance, employing a combination of fundamental, quantitative, technical, and modern portfolio theory analyses.

Brent Wilsey is a financial advisor at Wilsey Asset Management Incorporated with 23 years of industry experience. He has been with Wilsey Asset Management since 2004 and holds Series 63 and Series 65 designations. Wilsey Asset Management provides discretionary portfolio management, retirement-plan services, financial planning, and hourly consulting to individuals, trusts, estates, corporations, and ERISA clients. The firm uses a combination of fundamental, technical, cyclical, and economic analysis to guide investment decisions and supports plan sponsors with 3(38)-type oversight and participant presentations.

Garrett Heine is a CFA® charterholder at CoastEdge Partners, LLC with experience in investment and financial services since 2017. Prior to joining CoastEdge, he worked at Informed Momentum Company, Morningstar, and Meketa Investment Group. He earned his degree from The George Washington University School of Business. CoastEdge Partners provides investment management, financial planning, and comprehensive reporting services to high-net-worth families, family foundations, and institutional clients. The firm’s approach focuses on capital preservation, diversification, manager selection, and liquidity management, offering customized multi-asset portfolios and proprietary pooled vehicles.

Anthony Mclean is a financial advisor with Tidemark, LLC, holding a Series 66 designation and 16 years of industry experience. He worked at LPL Financial for 11 years before joining Tidemark in 2023. Outside his advisory role, he has worked as an Uber driver since 2022. Tidemark, LLC provides discretionary and non-discretionary investment management, financial planning, and consulting services to individuals, small businesses, pension plans, and other institutional clients. The firm creates tailored portfolios using a variety of investment products and methods, and offers quarterly written reports summarizing account performance.

James Evenson is an advisor at TriVant Custom Portfolio Group LLC with a Series 65 credential and one year of industry experience. His prior work includes roles at The Whaling Bar, California State University San Marcos, Pasadena City College, The Arbour, and the University of Arizona. TriVant Custom Portfolio Group LLC provides customized, discretionary investment management primarily for individual and high-net-worth clients. The firm employs a top-down, style-rotation investment approach focusing on asset allocation and style tilts, managing moderately concentrated portfolios with explicit risk constraints.

Michael Frager is a ChFC® with 41 years of experience in the financial services industry. He is currently affiliated with Balboa Wealth Partners, Inc., where he has worked for 10 years, and also has experience with Willow Cove Investment Group and Centaurus Financial, Inc. In addition to his advisory role, he is involved in estate planning and tax preparation, and acts as a tax consultant in the real estate sector. Balboa Wealth Partners is an SEC-registered investment adviser serving individuals, high-net-worth clients, trusts, estates, charitable organizations, businesses, and retirement plans. The firm employs a long-term, diversified investment approach using low-cost mutual funds, ETFs, individual securities, and options, and operates with a team structure utilizing both discretionary and non-discretionary mandates.

Jeffrey Mcculloch is a financial advisor at Cascade Financial Partners, LLC with 25 years of industry experience. He holds a Series 66 designation and previously worked at Creative Planning for seven years before joining Cascade in 2023. Cascade Financial Partners, LLC provides investment advisory and financial planning services to individuals and high net worth clients, focusing on customized strategies through discretionary and non-discretionary managed accounts. The firm emphasizes detailed client interviews and conducts due diligence to support asset allocation across various investment types, managing over $1.38 billion in assets as of the end of 2025.