Timothy Sagawa is a CFP®, CFA®, and Series 66 credentialed advisor with 22 years of industry experience. He is currently with Gradient Capital Advisors, LLC, where he has worked since 2014. Gradient Capital Advisors is a team advisory firm managing institutional-scale assets for individuals, high-net-worth clients, trusts, and pension and corporate plan sponsors. The firm employs a combination of fundamental and technical investment strategies, including option strategies and short sales, and offers comprehensive portfolio management, financial planning, and retirement plan consulting.

Matthew Holman is a financial advisor at Modern Capital Advisors, LLC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Modern Capital Advisors and Liberty Partners Financial Services since 2011. Outside of his advisory role, Holman is involved in lacrosse as a coach at San Diego State University and participates in regional college lacrosse tournaments through the Southwestern Lacrosse Conference, as well as supporting the EMW Foundation, a nonprofit organization. Modern Capital Advisors provides financial planning, portfolio and wealth management, and retirement-plan consulting to individuals, pension and profit-sharing plans, charitable organizations, and corporations. The firm employs a strategic asset allocation approach combining passive index funds and ETFs with actively managed funds or third-party managers, and offers discretionary and non-discretionary asset management services.

Michael Harris is a CFP® and CFA® with 22 years of industry experience, currently serving at Trivant Custom Portfolio Group LLC since 2008. He is based in San Diego, CA, and holds a Series 65 license. Outside of financial advising, Mr. Harris is involved in managing several real estate and assisted living LLCs. Trivant Custom Portfolio Group, LLC provides customized, discretionary investment management primarily to individual and high net worth clients, employing a top-down, style-rotation investment approach that emphasizes asset allocation and utilizes quantitative models alongside internal and third-party research.

Kurt Carroll is a financial advisor with Copley Financial Group, Inc. in San Diego, CA, holding Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company, Marshall McGowan, and Marriott. Copley Financial Group is a team-based registered investment adviser that provides discretionary and non-discretionary portfolio management to individuals, high-net-worth households, and pension/profit-sharing plans. The firm employs model portfolios, sub-advisors, and co-advisor arrangements with third-party money managers and offers account reviews, educational seminars, and both discretionary and client-approved trading.

Michael Munson is a CFA® charterholder with 12 years of industry experience. He has been with MYeCFO since 2013 and also maintains a role at Denali Advisors. MYeCFO is a team-based advisory firm serving individuals, including high-net-worth clients, as well as businesses and non-profits. The firm offers portfolio management, financial planning, and wealth-management coordination, with an investment approach that emphasizes passive vehicles alongside tactical adjustments. MYeCFO integrates accounting and tax-preparation services into its advisory offerings and provides educational workshops and bookkeeping services as part of client engagements.

Tyler Stearns is a CFP® and holds a Series 66 license with 11 years of experience in the financial industry. He has been with Castle Coast Wealth, LLC and its predecessor entities since 2014. In addition to his advisory role, he is an Independent Insurance Agent, dedicating less than 5% of his time to this activity. Castle Coast Wealth, LLC manages approximately $423.7 million and provides discretionary asset management, financial planning, and retirement plan services to individuals, high-net-worth clients, trusts, and plan sponsors. The firm employs both quantitative and qualitative analysis in its investment process and offers both limited-scope and full discretionary advisory services for retirement plans.

Phillip Jones is a CFP® with 21 years of industry experience, currently serving as an advisor at CAVU Wealth Management since 2019. He has held roles at Independent Financial Group C and Capital Financial Consultants Group Inc. Outside of financial advising, he is a licensed California notary and an independent real estate agent. CAVU Wealth Management provides discretionary investment advisory services and financial planning to individuals, retirement plans, charitable organizations, and corporate clients. The firm employs a diversified investment approach, including asset allocation, fundamental and technical analysis, and option strategies, with a notable multi-office presence and use of derivatives in separately managed accounts.

Kimberly Benson is a CFP® professional with eight years of experience in financial advisory services. She has been with Creative Capital Management since 2015, including its current iteration, Creative Capital Management Investments LLC, where she works as part of a six-advisor team based in San Diego, CA. 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. 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 and tax planning, divorce settlement, inheritance, and business succession.

Andrew Hoffarth is a CFP® with 13 years of industry experience, currently serving at Financial Alternatives, Inc. since 2021. He previously worked at Securities America Advisors, Inc. and Essential Planning Services, LLC. Financial Alternatives, Inc. provides advisory services to individuals, pension and profit-sharing plans, business entities, trusts, estates, and charitable organizations, offering discretionary portfolio management, wealth advisory, and financial planning. The firm constructs diversified portfolios using a range of asset classes and employs a disciplined approach that includes the use of third-party asset managers and consolidated reporting platforms.

Kent Hulse is a ChFC® credentialed financial advisor with four years of experience at Copley Financial Group, Inc. He has prior experience with Emerson Equity LLC and has also worked in loan arrangement and tax planning roles at Senior American Funding, Inc. and Heritage Tax & Insurance. Copley Financial Group is a team-based registered investment adviser that provides portfolio management to individuals, high-net-worth households, and pension/profit-sharing plans through direct management, third-party money manager referrals, and model-based programs. The firm combines multiple investment approaches including model portfolios and alternative investments, offering discretionary or client-approved trading and educational seminars.

Trevor Shaw is a CFP® professional with four years of industry experience, currently serving at Gradient Capital Advisors, LLC. He has been with Gradient Capital Advisors since 2015, working continuously in various capacities within the firm. Gradient Capital Advisors is a team advisory firm managing institutional-scale assets for individuals, high-net-worth clients, trusts, and corporate plan sponsors. The firm employs a combined fundamental and technical investment approach, utilizing a range of strategies including options, short sales, and margin transactions, and provides comprehensive portfolio management, financial planning, and retirement plan consulting.

Michael Herzog is a financial advisor with Secure Investment Management, LLC in Chula Vista, CA. He holds the Series 66 designation and has less than one year of industry experience. Prior to joining Secure Investment Management, he worked at several firms including Thrivent Financial and Equitable Advisors, LLC. Secure Investment Management serves individuals, business entities, trusts, and estates, providing financial planning, discretionary portfolio management, and separately managed account solutions. The firm employs a quantitative, factor-based investment approach grounded in Modern Portfolio Theory, utilizing low-cost funds, ETFs, third-party managers, and direct indexing tailored to client objectives.

James Freeman is a CFP® professional with over 21 years of industry experience. He has been with Financial Alternatives, Inc. since 1989. The firm serves individuals, including high-net-worth clients, as well as pension and profit-sharing plans, trusts, estates, and charitable organizations, offering discretionary portfolio management and wealth advisory services. Financial Alternatives, Inc. employs diversified portfolios across various asset classes and provides ongoing supervision and consolidated reporting through third-party platforms.

Todd Seger is a financial advisor with Guide Advisors, Inc. in San Diego, CA, holding a Series 65 credential and seven years of industry experience. He has a background in engineering and aviation, including roles as Senior Systems Engineer at Coherent Technical Services, Inc. and President of Seger Aviation, LLC, an aviation consulting firm focused on software design for F-16 adversarial air flying missions. Seger also served 11 years in the United States Air Force. Guide Advisors serves individuals, high-net-worth clients, foundations, and charitable organizations with fee-based financial planning, co-advisory asset management through third-party platforms, and licensed insurance and annuity products. The firm emphasizes educational seminars and workshops and operates with a multi-office structure despite its small team size.

William Frankenstein is a CFP® with 42 years of industry experience, currently serving as an investment advisor representative at Sovran Advisors, LLC. His prior roles include positions at Mass Mutual Investors Services, MassMutual Life Insurance Co., and MetLife Securities Inc. He is also involved with the Foundation for Senior Services, where he discusses financial planning with seniors. Sovran Advisors provides investment advisory and financial planning services to individuals, high-net-worth clients, charitable and corporate entities, and retirement plans. The firm manages approximately $1.78 billion in client assets through a team of about 53 advisors, offering customized portfolio management and diversified investment strategies.

Joshua Porras is a financial advisor with Navy Federal Investment Services, LLC, holding a Series 66 designation and eight years of industry experience. He has worked at Navy Federal Investment Services and Navy Federal Financial Group since 2020, and previously at Navy Federal Credit Union and Phase Four Financial Solutions. Outside of his advisory role, he volunteers as a lead for small group discussions at Rise City Church. Navy Federal Investment Services primarily serves members of Navy Federal Credit Union, individual investors, and trusts, offering portfolio management, financial planning, retirement-plan fiduciary services, and an automated ETF-based Digital Investor product. The firm uses model portfolios managed by third-party portfolio managers on platforms such as Envestnet, with ongoing due diligence and investment committee oversight.

David Hirons is a financial advisor with Wedbush Securities Inc. in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. Prior to joining Wedbush in 2018, he worked at RBC Capital Markets from 2014 to 2018. Outside of his advisory role, he works as an independent contractor and retail marketing consultant. Wedbush Securities serves a diverse client base including individual and high-net-worth investors, foundations, and institutional clients, offering brokerage and SEC-registered investment advisory services across wealth management, fixed income, commodities, and capital markets. The firm operates multiple managed account and wrap fee programs alongside commission-based brokerage arrangements, and provides clearing, custodial, and prime services tied to commodities and derivatives.

Ali Emami is a financial advisor at Legacy Wealth Management, LLC in San Diego, CA, with one year of industry experience. He has worked at Regal Group CPA since 2012. Legacy Wealth Management is a multi-advisor investment advisory firm serving individuals, charitable organizations, and business entities. The firm offers discretionary portfolio management and financial planning through a team-based approach, utilizing tailored strategies, a broad investment menu, and third-party money managers.

Justin Galietti is a financial advisor at Sovran Advisors, LLC with three years of industry experience. He holds the Series 66 designation and has previously worked at Cetera Wealth Services, Integrative Wealth Partners, and MassMutual Life Insurance Company. Outside of advisory roles, he is also involved in fixed insurance sales. Sovran Advisors provides investment advisory and financial planning services to individuals, high-net-worth clients, charitable and corporate entities, and retirement plans. The firm manages approximately $1.78 billion in client assets through a team of about 53 advisors, utilizing a range of portfolio management strategies and multiple platform relationships to tailor client solutions.

Peter Stokes is a CFP® with 27 years of industry experience, currently serving as a financial advisor at Pure Financial Advisors, LLC. His prior experience includes 11 years at Fidelity Investments. 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 strategies, and specialized sub-advisers.