Michael Affleck is a financial advisor with Principal Financial Services in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been associated with multiple entities including 6Pillars Financial Services, Principal Life Insurance Company, Principal Securities Inc., and owns MHA Holdings, LLC dba Tetra Group, Ltd., a business involved in group and property insurance. He also works as a broker in group benefits and as an agent in fixed insurance products. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty U.S. military personnel abroad. The firm’s advisory services include financial planning, retirement plan consulting, and third-party money manager programs offered under various advisory and promoter arrangements.

Hector Monroy III is a financial advisor at AE Wealth Management, LLC with two years of industry experience. He holds a Series 65 credential and has previously worked at Westmount Asset Management and Standish Management. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers a platform-centered approach combining model portfolios, discretionary asset management, financial planning, and consulting services.

David Baldwin is a CFP® with 20 years of experience in financial advising, currently with Commonwealth Financial Network. His prior roles include positions at Talents Financial Planning and Wealth Management, LS Investment Management, TCFG Wealth Management, and Edward Jones. Baldwin is also the author of the book *The Balancing Act, Rewriting Your Financial Script*. 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 platform including managed-account programs, access to third-party asset managers, and custody services, supporting various investment strategies and portfolio implementation.

Mark Bobin is a financial advisor with Independent Financial Group, LLC in Encinitas, CA, holding Series 63 and Series 65 credentials and having 25 years of industry experience. He previously worked at LPL Financial from 2004 to 2010 before joining Independent Financial Group, where he has been since 2010. Outside of advisory services, he is a California public notary. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm offers financial planning and portfolio management through various platforms and employs both active and passive investment strategies tailored to client risk profiles.

Garrison Beck is a financial advisor with Empower Advisory Group holding a Series 65 credential and two years of industry experience. He has worked with Empower Advisory Group since 2024 and previously was associated with Empower Financial Services, Inc. His background also includes roles in healthcare supply and small business operations. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and certain retail brokerage account holders. The firm’s integrated approach emphasizes long-term portfolio returns and annual rebalancing, delivering services through platforms closely tied to Empower’s recordkeeping and administrative systems.

Adam Horde is a financial advisor at Kestra Advisory with 14 years of industry experience. He holds the Series 66 designation and previously worked at Commonwealth Financial Network, Cabrillo Mortgage, and Monarch Retirement Group. He is a 16.5% owner/member of Monarch Retirement & Investments LLC, which facilitates securities, advisory, and insurance business. Kestra Advisory Services provides investment advisory and retirement-plan consulting to plan sponsors and a broad range of institutional and individual clients, offering services such as fiduciary consulting, plan design, and employee education. The firm manages approximately $79.8 billion in assets and serves clients including sovereign wealth funds.

Mark Ealy is a CFP®-certified financial advisor with 24 years of industry experience, currently practicing at Independent Financial Group, LLC since 2009. He previously worked at Woodbury Financial Services, Inc. for five years. Outside of his advisory role, he serves as a board member for Solutions for Change, a nonprofit focused on addressing homelessness. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate and pension plans. The firm employs a model-driven investment approach combining strategic asset allocation and multi-manager portfolios across various risk profiles.

Kim Ip is a financial advisor with MAI Capital Management, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Prior to joining MAI in 2025, Kim worked at Evoke Advisors for seven years and First Republic Securities Company, LLC for six years. Outside of advising, Kim serves as a trustee for irrevocable trusts benefiting family members and holds volunteer roles on the advisory board of Scripps Green Hospital and the financial council of the Church of Nativity. MAI Capital Management provides investment management, wealth planning, retirement consulting, and family office services to individuals, families, sports professionals, trusts, and institutions. The firm manages over $72 billion in assets and offers customized portfolio management across various strategies, integrating financial planning and tax services within client relationships.

Magdalena Doemeny is a CFP® with 10 years of industry experience. She currently works at Farther and has held positions at Hello Magda Consulting, NerdWallet Inc, Plaid, Origin, Wealth In Hand, LLC, and FutureAdvisor. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform and direct client meetings. The firm applies a Modern Portfolio Theory-based investment approach using bespoke or algorithmic model portfolios with automatic rebalancing and primarily allocates among ETFs, mutual funds, individual equities, and fixed income.

Daphne Martin is a financial advisor with D.A. Davidson & Co. in Carlsbad, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. She has been with D.A. Davidson & Co. since 2016. Outside of her advisory role, she serves as a board member and treasurer for the Texas Exes Los Angeles Chapter, a nonprofit scholarship foundation. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual and high-net-worth investors, charitable organizations, and corporate clients. The firm adheres to fiduciary standards under the Advisers Act and ERISA, offering a range of services from retirement plan advisory to comprehensive financial planning and private wealth management.

Raul Lizalde is a Series 65-licensed financial advisor with Integrated Wealth Concepts LLC, bringing four years of industry experience. Prior to joining Integrated Wealth Concepts, he worked at OneDigital Investment Advisors, Retirement Wealth Advisors, and has held a long-term role as a business manager at VEBS, where he manages administrative and federal employee retirement training activities. Integrated Wealth Concepts serves a diverse client base including individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a large network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan services, employing a primarily long-term investment approach with customized portfolios using mutual funds, ETFs, equities, and fixed income.

Brett Clarke is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and possessing 22 years of industry experience. His prior roles include positions at Next Financial Group, Inc., and National Planning Corporation. Clarke is also the sole owner of Clarke Financial Services, Inc., which provides tax preparation and bookkeeping services, and he offers notarization services to clients on a voluntary basis. Independent Financial Group, LLC serves a diverse client base including individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm provides financial planning, portfolio management, and retirement plan services through various platforms and employs a combination of active and passive investment strategies tailored to client risk profiles.

Steve Statzer is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 15 years and has held roles at OSAIC, Terramar Wealth, and Commonwealth Financial Network since 2023. Outside of advisory work, he is a co-owner of Statzer Revocable Living Trust, an entity involved in managing residential real estate in Big Bear City, 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 managing about $212.7 billion in client assets. The firm provides a broad adviser-support platform that includes managed account programs, access to third-party asset managers, and custody services, enabling advisors to implement portfolios through both internal and outsourced model strategies.

Gabriel Nave is a financial advisor with Hornor, Townsend & Kent, LLC, holding Series 65 and Series 63 licenses and one year of industry experience. Before joining Hornor, Townsend & Kent in 2026, he worked with Northwestern Mutual in various capacities for one year. Prior to his advisory career, he spent several years in the technology sector with Everynet and CalAmp. Hornor, Townsend & Kent serves individuals, high-net-worth clients, trusts, businesses, charitable organizations, and retirement plans. The firm offers advisory programs, financial planning, and retirement plan consulting through a network of advisers, operating both as an SEC-registered adviser and a FINRA-member broker-dealer.

Brian Howarth is a Series 66 licensed advisor with Principal Financial Services, based in Encinitas, CA, and has 16 years of industry experience. He has been with Principal Securities Inc. since 2016 and Principal Life Insurance Company since 2010. Outside of his advisory role, he is engaged in short-term consulting with AlphaSights, focusing on industry-level trends. Principal Securities provides brokerage and registered investment advisory services to a diverse clientele, including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty U.S. military personnel stationed abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various advisory and promoter arrangements.

Linda Smith is a financial advisor with D.A. Davidson & Co., holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. She has been with D.A. Davidson since 2013. Outside of her advisory role, she serves as a notary public in Carlsbad, CA. D.A. Davidson & Co. provides investment advisory and brokerage services to a broad range of clients, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers ERISA retirement plan advisory services, comprehensive financial planning, and a Private Wealth program for high-net-worth clients, emphasizing fiduciary standards and employing both qualitative and quantitative analyses.

John Ogden is a financial advisor at Oppenheimer with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Morgan Stanley and Citigroup Global Markets. He also serves as a trustee for a personal family trust. Oppenheimer serves a wide range of clients including individuals, corporations, and charitable organizations, offering both discretionary and non-discretionary advisory services across various asset classes and investment strategies.

David Kempton is a financial advisor at Commonwealth Financial Network with 15 years of industry experience. His prior roles include positions at Catalina Capital Group LLC and OneAmerica entities spanning over a decade. He holds Series 63 and Series 65 licenses. 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 over $212 billion in client assets. The firm provides a comprehensive adviser-support platform including managed-account programs, access to third-party asset managers, and custody services.

Kai Swick is a financial advisor with Kestra Advisory, holding a Series 66 designation and two years of industry experience. Prior to joining Kestra Advisory in 2025, he worked at Solomon Retirement Services and Independent Financial Group, and has experience in tax preparation and filing through an independent contractor role with Solomon Wealth Management. Outside of advisory services, he has worked in the tax planning and accounting field. Kestra Advisory provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients. The firm offers a range of services including fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients such as plan sponsors and sovereign wealth funds.

Kathleen Lindquist is a CFP® with 20 years of experience in the financial services industry, currently affiliated with United Planners' Financial Services of America. Her prior roles include positions at San Diego Wealth Management, LLC and SagePoint Financial Services, Inc. She is also the founder of Sustainable Financial Planning, a marketing entity in San Diego. United Planners Financial Services serves a diverse client base including individuals, corporations, and institutional clients, offering financial planning, portfolio management, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, emphasizing largely non-discretionary asset management.