Elisabeth Cullington is a CFP® with 25 years of industry experience, currently with Focus Partners Wealth, LLC. She previously worked at The Colony Group, LLC for two years and HoyleCohen, LLC for sixteen years. Elisabeth is also associated with Connecticut General Life Insurance Company since 1984. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans by providing investment management, financial planning, tax and compliance support, family office and business management, and employee benefit retirement plan services. The firm uses a long-term investment approach with an enhanced open architecture combining active and passive strategies, customizing portfolios to client needs while offering discretionary and nondiscretionary account management.

Anthony Pavia is a financial advisor at PlanMember Securities Corporation with 35 years of industry experience. He holds a Series 63 designation and has previously worked at Gwn Securities Inc. and operated his own firms, including Pavia Financial Services, Inc. and RetireWell Capital Management. Outside of his advisory roles, he is involved in residential loan brokerage through Pavia Financial Services. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach to manage risk-based mutual fund portfolios and offers education and support services to plan sponsors and participants.

Alan Pamintuan is a financial advisor at VALIC Financial Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Forthright Capital Partners, Forthright Capital Advisory, Pruco Securities, and The Prudential Insurance Company of America. He is also appointed as an agent to sell non-securities insurance products. VALIC Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers wrap programs, portfolio management, and financial planning through a large network of advisors, utilizing discretionary unified managed accounts on Envestnet’s platform combined with tax-aware and impact overlays.

Jarrod Hendricks is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His prior work includes roles at Jerome C. Price and operating his own firms such as Hendricks Financial and Jb Hendo. He is involved in estate planning referrals through affiliated entities like Inherit Guard and LSPN Pro. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services. The firm delivers advice through proprietary and third-party model portfolios, with discretionary and non-discretionary program options.

Rachel Luken is a CFP®-certified financial advisor with 23 years of experience in the industry. She has worked at Focus Partners Wealth, LLC since 2025 and previously spent nearly two decades at HoyleCohen, LLC and its predecessor, HoyleCohen, Inc. Her background includes roles at The Colony Group, LLC. Focus Partners Wealth, LLC serves individuals, families, charitable organizations, corporations, and institutional retirement plans by providing investment management, financial planning, tax and compliance support, family office services, and employee benefit retirement plan offerings. The firm employs a long-term investment approach that incorporates both active and passive strategies, private funds, and tactical overlays, customizing portfolios based on clients’ risk tolerance and tax situations.

Gabrielle Watters is a CFP® and holds a Series 65 license with 10 years of industry experience. She has been with Creative Planning since 2021, following several years at Reilly Financial Advisors in various roles from 2015 to 2021. Based in San Diego, CA, she is currently part of a large advisory team at Creative Planning. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, pension plans, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by various specialized investment strategies and private market access.

Brooke Warner is a CFP® and CFA® with 13 years of industry experience. She currently works at Focus Partners Wealth, LLC and has held prior roles at HoyleCohen, LLC, WheelerFrost-Wealth Managers, Equitable Advisors, and National Planning Corporation. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans by providing investment management, financial planning, tax and compliance support, family office and business management, and employee benefit retirement plan services. The firm employs a long-term, tax- and fee-sensitive investment approach using a blend of active and passive strategies, third-party managers, private funds, and tactical overlays.

John Lord is a CFP® and CFA® credentialed advisor with 27 years of industry experience. He has worked at Independent Financial Group, LLC since 2013 and previously spent nine years at Hornor, Townsend & Kent, LLC. Outside of his advisory role, he holds a 50% ownership interest in a restaurant in San Diego. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, and corporate plans. The firm offers financial planning, portfolio management, and retirement plan services using a mix of firm- and third-party models with both passive and active investment approaches.

David McLenachen Jr. is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 licenses and over 34 years of industry experience. He has been president of McLenachen Financial, Inc., a firm involved in tax preparation, accounting, and bookkeeping services since 2010, and has been actively engaged in investment-related advisory and insurance activities since the early 1990s. United Planners Financial Services is a national wealth-management enterprise serving individual investors, retirement plans, corporations, trusts, estates, and other institutional clients through a network of independent Investment Adviser Representatives. The firm offers a combination of advisory and brokerage services and is notable for its limited-partnership ownership structure and focus on largely non-discretionary asset management.

Phuong Paik is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She has been with Transamerica since 2012 and also operates Uyen Phuong Pham Paik Tax Preparation, a tax preparation business she owns. Additionally, she is involved with F3 Insurance Services LLC and works as a health insurance agent. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a broad client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory model and supports clients through multiple program platforms such as Transamerica ONE and the TFA365 Advisory Program.

Andre Tueros is a CFP® and holds a Series 66 license, currently serving as a financial advisor at Focus Partners Wealth, LLC with one year of industry experience. His prior roles include positions at Corient, Equitable Advisors, Mercer Advisors, and experience in education at San Diego State University and Moorpark College. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, offering a range of services including investment management, financial planning, tax and compliance support, and employee benefit retirement plan services. The firm employs a long-term investment approach with attention to tax and fee sensitivity, utilizing both active and passive strategies along with customized portfolio management.

Jacob Gedis is a financial advisor at Valic Financial Advisors with six years of industry experience. He holds a Series 66 designation and has worked previously at Fidelity Investments and Northwestern Mutual. Outside of his advisory role, Gedis serves on the board of the Little Italy Association in San Diego, where he assists with fundraising and local business outreach for community projects. Valic Financial Advisors primarily serves U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management and financial planning through a large network of advisors. The firm uses discretionary unified managed accounts with access to third-party models and overlays, operating at scale with over 1,200 advisors and approximately $29.2 billion in assets under management.

Ren Xu is a financial advisor with Transamerica Financial Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and having 26 years of industry experience. He has been with Transamerica Financial Advisors since 2012 and has a longer tenure at World Financial Group beginning in 2001. He is involved in the sale of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services through proprietary model portfolios and access to third-party money managers. The firm operates as both a registered broker-dealer and registered investment adviser, supporting a range of investment programs and retirement solutions.

Jonah Tinajero is a financial advisor at Mercer Global Advisors Inc. with eight years of industry experience. He holds a Series 66 designation and previously worked at Ameriprise Financial Services, Inc. He also has experience outside of finance as an operator of El Ranchito Restaurant Co. and spent nine years at California State University, Stanislaus. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments with investment advisory, financial, tax, retirement, and estate planning services. The firm’s investment approach is based on Modern Portfolio Theory, using diversified portfolios with various investment vehicles and tax-management options, and supports clients through educational programming and integrated affiliated services.

Brian Elliott is a Certified Financial Planner (CFP®) with 26 years of industry experience. He has been with Valic Financial Advisors since 2009 and also holds a position at Agia related to non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers wrap programs, portfolio management, and financial planning through a large network of advisors, utilizing discretionary unified managed accounts and overlay services through a centralized technology platform.

Noah Nadeau is a financial advisor at United Planners' Financial Services of America with Series 66 credentials. He has one year of industry experience and has held positions at McLenachen Financial, Inc. and Navy Federal Credit Union. Prior to entering the financial industry, he worked for organizations including the San Diego Zoo Wildlife Alliance and SeaWorld San Diego. United Planners Financial Services is a national wealth-management enterprise serving individuals, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers both advisory and brokerage services through independent Investment Adviser Representatives and utilizes various custodians and third-party managers to implement investment strategies.

Salvador Aquino Jr. is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 designations and bringing nine years of industry experience. His career includes roles at World System Builders and Registered Social Security Analysts, along with leadership positions in several construction and pipeline companies. Outside of advisory work, he is involved in estimating and operations management for commercial and residential construction firms. Transamerica Financial Advisors serves a diverse client base, offering both advisory and broker-dealer services with a variety of managed portfolios and third-party money managers. The firm operates as both a registered investment advisor and a broker-dealer, supporting individual investors, retirement plans, trusts, and charitable organizations.

Colleen Gepp is a CFP® with 29 years of industry experience, currently affiliated with Focus Partners Wealth, LLC. Her career includes roles at The Colony Group, LLC, HoyleCohen, LLC, Mid Atlantic Financial Management, Inc., HoyleCohen, Inc., and FDx Advisors, Inc. She holds Series 63 and Series 65 licenses. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans with investment management, financial planning, tax and compliance support, family office and business management, and employee benefit retirement plan services. The firm employs a long-term investment approach with tax and fee sensitivity, utilizing a mix of active and passive strategies, third-party managers, private funds, and tactical overlays, while customizing portfolios to clients’ risk tolerance, liquidity, and tax circumstances.

Tracy Yang is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 10 years of industry experience. She has worked at Transamerica Financial Advisors since 2015 and Fastrack Financial Corporation since 2022, where she is an owner. Yang is also affiliated with World Financial Group, Inc. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to individual investors, employer-sponsored plans, trusts, estates, charitable organizations, and businesses. The firm utilizes a model portfolio approach implemented through third-party managers and platform providers, supported by a large network of advisors and multiple program platforms.

Dominic Ramdin is a financial advisor at GWN Securities Inc. with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Next Membranes, Northrop Grumman Corporation, and the University of California, Los Angeles. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning services. The firm employs a mix of affiliated and unaffiliated sub-advisers and utilizes investment strategies that include market-timing and momentum-based approaches.