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 with Snowden Capital Advisors LLC in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. She has been with Snowden Lane Partners since 2015. Snowden Capital Advisors LLC serves high-net-worth individuals, family offices, foundations, pension plans, endowments, and other institutional clients, offering portfolio management, investment consulting, and financial planning services. The firm employs a multi-team approach combining institutional capabilities with customized model portfolios and oversight of third-party managers.

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, CA, holding Series 63 and Series 65 designations and bringing 13 years of industry experience. He is the owner of Financial Haus and leads a team there while mentoring junior advisors. Outside of his advisory work, he owns and manages two short-term rental businesses. Sovran Advisors serves individuals, corporations, and retirement plan sponsors by providing financial planning, advisory services, and portfolio management through both discretionary and non-discretionary programs. The firm employs a combination of active and passive investment strategies 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.

Evan Elig is a financial advisor with Mission Wealth Management, LP, holding a Series 65 designation and five years of industry experience. His prior roles include multiple positions at American Assets Capital Advisers, LLC and several engagements at Princeton University. Mission Wealth Management is a multi-team SEC-registered advisory firm serving affluent individuals, families, and institutional clients with customized wealth management, financial planning, and portfolio management services. The firm uses long-term, tax-aware investment strategies involving ETFs, mutual funds, individual securities, and alternative 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.

Bradley Nelson is a CFP® with nine years of industry experience. He currently works at Fiduciary Financial Advisors and has previously been affiliated with Lyon Park Advisors, LLC. Fiduciary Financial Advisors serves a broad client base, including individual investors, multi-generational families, trusts, retirement plans, corporations, and charitable foundations. The firm combines digital-asset advisory capabilities with formal trust arrangements and offers services such as discretionary investment management, retirement plan consulting, and outsourced CFO engagements.

David Noosinow is a financial advisor with Mariner Independent in San Diego, CA, holding Series 63, 65, and 66 licenses and 14 years of industry experience. His prior firms include Sanford C. Bernstein and AdvicePeriod, LLC. In addition to his advisory role, he is a managing member of PHALANX VFO, LLC, which provides investment advisory services through Mariner Platform Solutions. Mariner Independent serves individuals, high-net-worth clients, and various institutional entities by offering financial planning, portfolio management, retirement consulting, and alternative investment access. The firm distinguishes itself through its affiliated trust company and pension consulting affiliate, providing integrated custody and fiduciary 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 at Snowden Capital Advisors LLC with 23 years of industry experience. He holds Series 63 and Series 66 credentials and has been with the firm, and its predecessor Snowden Lane Partners, since 2015. Snowden Capital Advisors serves high-net-worth individuals, family offices, foundations, pension plans, endowments, and other institutional clients by providing discretionary and non-discretionary portfolio management, investment consulting, and financial and estate planning. The firm combines multi-team scale with institutional capabilities, offering customized model portfolios and a variety of investment tools while managing significant assets across diverse client types.

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.