Francesco Ruggeri is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior roles include positions at TCFG Investment Advisors, Securities America Advisors, and Wells Fargo, among others. Outside of advisory services, Ruggeri is a passive investor in several restaurant ventures, including a San Francisco omakase restaurant, and holds ownership in related business entities. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm employs a combination of strategic asset allocation and multi-manager portfolios, offering both discretionary and non-discretionary management through various platforms and third-party managers.

Joshua Block is a financial advisor at Mercer Global Advisors Inc. in San Diego, CA, holding a Series 65 designation with one year of industry experience. Prior to joining Mercer, he worked at RemoteLink Solutions and studied at San Diego State University. Mercer Global Advisors provides investment advisory and related planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios with multi-factor strategies, low-cost index vehicles, regular rebalancing, and tax management.

Bridgette Ziolkowski is a financial advisor with Valic Financial Advisors in San Diego, CA, holding a Series 66 designation and 12 years of industry experience. She has been with Valic Financial Advisors since 2012 and is also involved in coaching through Clear Intentions Coaching, where she practices as an energy healer and facilitator specializing in modalities such as Reiki and breathwork. Additionally, she rents a Tesla Model 3 through the Turo platform. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Mahalene Dulay is a financial advisor with Kestra Advisory in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. She previously worked at Foresters Advisory Services LLC and Foresters Financial Services. Outside of her advisory role, she is involved as a PTA board member focusing on diversity and inclusion, and she owns two ventures focused on financial education and consulting for financial professionals. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as plan design, fiduciary consulting, and employee education. The firm manages approximately $79.8 billion in assets and serves a diverse client base, including large institutional investors and sovereign wealth funds.

Gabriel Martin is a financial advisor at Citigroup Global Markets with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients, offering a broad range of investment advisory programs and execution services across multiple wealth segments. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research, swap dealing, and futures commission merchant activities.

Ekaterina Hanhauser is a financial advisor with D.A. Davidson & Co. in San Diego, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. She previously worked for an independent financial group for 10 years before joining D.A. Davidson in 2021. Outside of her advisory role, she serves as PTA president at Los Penasquitos Elementary School, assisting with school activities and event planning. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers a range of advisory services under fiduciary standards and integrates quantitative analysis and third-party tools in its investment recommendations.

Christa Keck English is a financial advisor with Commonwealth Financial Network in San Diego, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. Her prior roles include positions at Independent Financial Group, LLC and Telos Capital Management, Inc. She has been with Commonwealth Financial Network since 2021. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors and manages around $212.7 billion in client assets. The firm offers a broad platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Alyssa Saad is a financial advisor with PlanMember Securities Corporation based in Carpinteria, CA. She holds a Series 66 credential and has recently begun her career in wealth management, with prior experience at MPD Wealth and DRS Daylight Solutions. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, offering investment options through asset allocation portfolios and delivering education and support services. The firm employs a strategic asset allocation approach to manage risk-based mutual fund portfolios across a range of risk profiles.

Gavin Lodge is a financial advisor at Private Advisor Group, LLC with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including LPL Financial, Securian Financial Services, and Minnesota Life Insurance Co. His activities include managing investment advisory services primarily through his business entities affiliated with LPL Financial. Private Advisor Group serves individuals, trusts, estates, charitable organizations, businesses, and retirement plans, offering portfolio management, financial planning, retirement plan consulting, and access to various managed account solutions. The firm employs a fiduciary-based advisory model and integrates technology platforms alongside third-party managers and strategists such as Fidelity, BlackRock, and Invesco.

David Moller is a financial advisor with PlanMember Securities Corporation in San Diego, CA. He holds Series 63 and Series 65 licenses and has one year of industry experience. Outside of advising, he works as a senior manufacturing engineer at DRS Daylight Solutions, a defense contractor. PlanMember provides retirement-plan advisory services to employers and plan participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm utilizes a top-down strategic asset allocation framework and manages unitized, risk-based mutual fund portfolios ranging from conservative to aggressive, while also offering education and support services to plan sponsors and participants.

Marianna Sada is a financial advisor with Commonwealth Financial Network in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. Her career includes roles at LPL Financial, Cuso Financial Services, and TD Ameritrade. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a nationwide network of approximately 2,900 advisors and hundreds of thousands of clients, managing around $212.7 billion in assets. The firm provides a broad platform of managed-account programs, third-party asset manager access, and custody services, supporting advisors with both discretionary and nondiscretionary portfolio implementation.

Julian Myers is a Series 66-licensed financial advisor with six years of industry experience. He currently works at Commonwealth Financial Network and previously held roles at LPL Financial, Independent Financial Group, and as a self-employed advisor. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and hundreds of thousands of clients. The firm manages roughly $213 billion in assets and offers a broad adviser-support platform including managed-account programs, third-party asset manager access, and custody services.

Benedict Maloney is a financial advisor at Centaurus Financial, Inc. with 48 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Centaurus Financial since 2015. Outside of his advisory role, he works as an agent for term life insurance and Medicare supplement and Medicare Advantage sales in San Diego. Centaurus Financial, Inc. serves a diverse client base including individuals, families, small businesses, corporations, trusts, and foundations. The firm provides financial planning, portfolio management through the CLASSIC Plus platform, retirement-plan consulting, and specialized advisory services, employing a mix of fundamental, technical, bottom-up, and top-down analysis across discretionary and non-discretionary arrangements.

Sandra Nicole Tucker is a financial advisor at Empower Advisory Group with Series 63 and 66 designations and four years of industry experience. Her prior roles include positions at J.P. Morgan Securities LLC and JPMorgan Chase Bank, N.A. She is based in San Diego, California. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to Empower Premier IRA and certain retail brokerage account holders, delivering services through an integrated model connected to Empower’s recordkeeping and administrative platforms.

Darrell Alford is a ChFC® with 40 years of experience in the financial industry. He is currently with Independent Financial Partners, where he has worked since 2025. His prior experience includes roles at Triad Advisors, Resources Investment Advisors, and LPL Financial Corporation. Independent Financial Partners provides investment advisory, financial planning, trust, and retirement-plan services through a nationwide network of independent Investment Adviser Representatives. The firm supports a multi-advisor platform serving individual, charitable, corporate, and high-net-worth clients, with a notable focus on retirement-plan advisory and pension consulting.

Garrett Workmon is a CFP® with eight years of industry experience, currently serving as a financial advisor at Creative Planning since 2018. Prior to joining Creative Planning, he worked at Uber Technologies Inc. and H&R Block, and has experience with Wayzata Community Church and the University of Missouri - Columbia. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, pension plans, trusts, 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 enhanced indexing and private market exposure.

Travis Lewis is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 credentials and 23 years of industry experience. His background includes prior roles at 7 Streets Financial, LPL Financial, Blueprint Wealth Partners, and Securities America Advisors. Outside of financial advising, he co-owns several businesses in Ketchikan, Alaska, including a cruise excursion and charter fishing company. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and their individual and institutional clients. The firm provides a broad adviser-support platform with managed account programs, access to third-party asset managers, and various investment options.

Holly Salazar is a financial advisor with Valic Financial Advisors in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. She has worked at Valic Financial Advisors since 2014 and is also an agent with Agia, focusing on non-securities insurance products. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers managed-account programs, financial planning, consulting, and brokerage services, utilizing Envestnet-developed UMA models to construct client portfolios.

David Applestein is a financial advisor at T. Rowe Price Advisory Services, Inc. with 15 years of industry experience. His prior roles include positions at Wells Fargo, Principal Securities Inc, Principal Life Insurance Co, Dunham, and Fidelity. T. Rowe Price Advisory Services, Inc. provides the T. Rowe Price Retirement Advisory Service, which offers goals-based financial planning and discretionary investment management focused on retirement for individual investors and households. The service uses model portfolios invested exclusively in T. Rowe Price mutual funds and ETFs, combined with an online planning tool and financial advisor support.

Erick Von Berge is a financial advisor with Cerity Partners LLC, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. His prior roles include positions at Von Berge Wealth Management Group, Laurel Wealth Advisors, Wells Fargo Clearing, Wells Fargo Advisors LLC, and Prudential Equity Group, LLC. Based in San Diego, CA, he has been with Cerity Partners since 2025. Cerity Partners provides customized wealth management and related services to a broad national client base, including individuals, families, trusts, business entities, charitable organizations, and institutional investors. The firm emphasizes tailored asset allocation and manager selection, offering discretionary and non-discretionary portfolio management alongside access to alternative and private-market investments.