Julia Bussie is the sole advisor at JSB Capital Management, LLC, an independent firm based in Del Mar, CA. She holds a Series 65 credential and has 13 years of industry experience, having led JSB Capital Management since 2012. Bussie also holds the Chartered Market Technician (CMT) designation and participates in professional technical-analysis organizations. JSB Capital Management provides discretionary portfolio management to individuals and various institutional clients, including pension plans, foundations, and endowments. The firm employs a top-down, macroeconomic investment approach with sector rotation and technical analysis, and it uses derivatives in separately managed accounts as part of its timing and risk-management strategy.

Vincent Lucas is a financial advisor at Pacific Equity Advisors LLC in La Jolla, CA, with two years of industry experience. He holds a Series 65 designation and has worked since 2008 at Pacific Equity Management in an operations and administrative role for hedge funds, though he does not provide advisory services for that entity. Pacific Equity Advisors LLC is a single-advisor registered investment adviser serving individuals, high-net-worth clients, and charitable organizations with discretionary portfolio management. The firm employs cyclical and fundamental analysis and utilizes a range of investment strategies including long-term and short-term trading, short sales, and private placements.

Helping you organize and simplify your finances, build steady income, and retire with clarity and confidence. Over the last decade, I’ve worked at different wealth management firms, gaining valuable experience alongside some incredibly smart, kind people. My biggest takeaway? There’s no one-size-fits-all solution when it comes to personal finances. Customized financial planning works. And that’s what makes this work so rewarding. That’s why I created JRO Wealth Management. I built this firm for people who want to cut through the jargon and complexity and get real guidance from someone in their corner. Someone who understands how all the pieces of your financial life fit together — retirement income, taxes, investments, healthcare, legacy — and helps you make decisions across the board that actually work for you. My job isn’t to sell products or try to time the market. It’s to help you weigh the tradeoffs, see the bigger picture, and make smart, informed decisions with someone you trust by your side.

Robert Shabkie is a financial advisor at Pathlight Wealth Management with 15 years of industry experience. He holds a Series 66 designation and has previously worked at Cetera Investment Advisers LLC, Cetera Advisor Networks, and VOYA Financial Advisors. In addition to his advisory role, he maintains a legal practice focused on estate planning and serves as a licensed independent insurance agent. Pathlight Wealth Management is a single-advisor independent firm managing approximately $20.7 million for around 61 clients, including individuals and institutional pension plans. The firm provides discretionary portfolio management, financial planning, and consulting services, employing various analytical methods to tailor investment strategies that may include mutual funds, ETFs, equities, and more active trading approaches.

Gifford Tompkins Jr. is a financial advisor with The Tides Group, holding Series 63 and Series 65 designations and five years of industry experience. He has been with The Tides Group since 2018 and previously worked at World Vision International. The Tides Group is an investment manager that advises pooled investment vehicles, institutional accounts, and high net worth individuals. The firm uses active investment techniques, including derivatives in separately managed accounts, and provides discretionary portfolio management services.

Darren Devries is the principal of De Vries Asset Management, LLC, with 11 years of industry experience. He holds a Series 66 designation and has a background that includes roles at Tweet Management Services and ownership of a CPA and tax preparation practice, FleetRidge Financial, Inc., which he continues to operate. De Vries Asset Management serves individuals, businesses, endowments, and nonprofit organizations primarily by acting as a promoter and referral source to third-party asset managers, while also providing direct wealth management, discretionary portfolio management, and financial planning services tailored to client objectives. The firm is affiliated with an accounting practice, reflecting Mr. Devries's dual role as a licensed CPA offering tax and accounting services separate from advisory offerings.

James Reyes is a financial advisor with Allen James Financial LLC in San Marcos, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. His prior roles include positions at First Advisors National, LLC, JCG Investments, LLC, and Crossroads Capital Management, Inc. He also owns and operates Allen James Financial & Insurance Services, where he brokers fixed indexed insurance contracts. Allen James Financial LLC provides portfolio management and investment advisory services to individuals and high-net-worth clients, focusing on technical analysis and a long-term trading orientation. The firm generally recommends insurance products, ETFs, hedge funds, and private placements and operates on a non-discretionary basis using TD Ameritrade Institutional as custodian.

Steven Allen is a financial advisor at SOP Advisors LLC in Rancho Santa Fe, CA, holding a Series 65 designation with two years of industry experience. He has been with SOP Advisors LLC since 2022 and also has a long tenure at Greenbriar Partners L.P. dating back to 1994. SOP Advisors LLC provides discretionary investment management services primarily to individual clients and small businesses, employing a tailored portfolio management approach that includes a range of trading strategies across U.S.-based commodity, cyclical, and real asset sectors. The firm uses a combination of charting, fundamental, technical, and cyclical analysis along with proprietary models to implement both short-term and long-term investment positions within client-directed guidelines.

Christopher Lis is a Series 65-registered advisor with FOX Wealth Strategies in Claremont, California. He has no prior experience in the financial advisory industry but has worked in commercial real estate, recruiting, and currently at John Paul the Great Catholic University. FOX Wealth Strategies serves individuals and families in Southern California by providing fee-based financial planning and standalone investment advice. The firm emphasizes customized, non-discretionary recommendations using fundamental analysis and offers services on an hourly or flat-fee basis rather than a percentage of assets under management.

Lucille Shaw is the sole advisor at Finances for Life, LLC, an independent firm based in Carlsbad, CA. She holds Series 63 and Series 66 licenses and has 23 years of industry experience. In addition to her advisory role, Shaw is president of FFL Insurance Agency, LLC, where she is involved in life, health, long-term care, and disability insurance sales. Finances for Life, LLC provides investment management and comprehensive financial planning services to individuals, high-net-worth clients, retirement plans, trusts, and business entities. The firm emphasizes client-specific investment strategies, primarily manages accounts on a non-discretionary basis, and integrates advisory services with an affiliated insurance agency.

I’m on a mission to inspire women to be more intentional with their financial choices and provide a place where they can learn and share – without judgment. I’ve been through divorce and death of loved ones, I’ve worked with hundreds of clients with unique financial situations. One thing hasn’t changed throughout my career – my commitment to providing personalized services to my clients to inspire their financial journeys. You’re a busy professional woman in the middle to later stages of your career (or maybe you’ve already retired!). You have a lot going on, but you want to make sure you’re making smart financial moves. Whether you’re the family CFO or not, you want to be treated with respect. You won’t be afraid to ask questions and learn what you don’t know. You’d like to find someone you can bounce ideas off of, to get help making financial decisions, or to delegate to an expert. Finances don’t have to be a drag. You probably are already in the habit of saving. You may be making a lot of money, but haven’t been intentional about what you’re doing with it. Throughout my career, I’ve been inspired by so many women who are doing amazing things in their professional lives. However, the traditional financial advice industry does not serve us well. ➡️Our plans need to account for income shortfalls due to the gender pay gap – leading to a lifetime of reduced savings opportunities. ➡️We may need to plan around periods of income plateaus due to caregiving responsibilities for children or parents – it’s important to be intentional about career choices. ➡️Women live longer than men and are often entering or experiencing retirement solo – this impacts all aspects of retirement income, taxes, and leaving a legacy.

Todd Wiersum is a CFP® with 23 years of industry experience, currently serving as the sole advisor at Encompass Financial Services. His prior roles include positions at IDA Wealth and Cetera Investment Advisers, among others. In addition to financial advising, he is involved with Solstice Tax Solutions Inc., a CPA firm specializing in tax preparation and accounting. Encompass Financial Services provides financial planning, investment management, and consulting services to individuals, trusts, estates, charitable organizations, corporations, and pension plans. The firm emphasizes risk management in its investment approach and offers customized portfolio management alongside support for retirement plan sponsors and participants.

Christopher Edwards is the principal of Pax Horizon Wealth Management, LLC, an independent firm based in Vista, CA. He holds a Series 65 designation and began his advisory career in 2025. Prior to founding Pax Horizon, Edwards has worked since 2016 at Viasat, Inc., where he manages people and operations within the Global Planning department of the satellite communications business. Pax Horizon Wealth Management is a fee-only advisory firm serving individual clients with investment management and financial planning services. The firm employs a Modern Portfolio Theory-based asset allocation approach with a preference for passive funds and manages portfolios on a discretionary basis with quarterly reviews.

Eric Rodriguez is a CFP® professional with nine years of industry experience, currently serving as the sole advisor at WealthBuilders, LLC in Carlsbad, CA. His prior experience includes roles at Fleetcor Technologies and LearnVest, Inc. He is the author of a personal finance book titled *R.E.T.I.R.E. On Your Terms: 6 Steps To Build Your Wealth* and co-hosts the Avocado Toast Podcast, which focuses on financial education for millennials. WealthBuilders, LLC serves individuals, high-net-worth clients, trusts, estates, charitable organizations, corporations, and retirement plan sponsors. The firm offers wealth management, financial planning, retirement plan consulting, and educational seminars, employing an evidence-based investment approach centered on low-cost index strategies and model portfolios.

Sheldon Goldman is a CFP® professional with 21 years of industry experience, currently operating Goldman Wealth Management in San Diego, CA. He previously worked at Hoylecohen, LLC for 10 years and has been with Goldman Wealth Management and Steel Peak Wealth Management since 2016. In addition to his advisory work, he is licensed as an independent insurance agent specializing in accident, health, and life insurance. Goldman Wealth Management is an independent, single-advisor firm providing investment advisory and financial planning services primarily to individual clients, as well as pension and profit-sharing plan clients. The firm offers ongoing portfolio management and plan-level consulting with a focus on personalized client relationships.

Stephen Masula is a CFP® with 24 years of industry experience based in Carlsbad, CA. He is the principal of Advisors Wealth Management, Inc., an independent registered investment adviser, and has held various roles in real estate, accounting, and insurance since the mid-1980s. Masula is also a licensed real estate broker and enrolled agent with the IRS. Advisors Wealth Management, Inc. manages approximately $12.9 million for individuals, high-net-worth clients, and pension and profit-sharing plans. The firm offers discretionary asset management and financial planning using a combination of fundamental, technical, and cyclical analysis, and maintains multiple professional affiliations uncommon among solo advisers.

Donald Haskell is a financial advisor with Santa Fe' Wealth Management in San Diego, CA, holding the ChFC® designation along with Series 63, 65, and 66 licenses. He has 48 years of industry experience and has served in roles including Managing Director at Xnergy Financial, LLC. Outside of his advisory work, Mr. Haskell is a licensed insurance agent and real estate broker in California. Santa Fe' Wealth Management provides comprehensive financial planning, investment supervisory services, and pension consulting to individual clients and pension or profit-sharing plans. The firm focuses on written financial plans and primarily non-discretionary portfolio management, using mutual funds, equities, ETFs, bonds, and other instruments while maintaining regular account reviews and ERISA-compliant pension services.

Kevin Mc Atamney is the sole advisor and CEO of KRM Advisory Services, an independent registered investment adviser based in Vista, CA. He holds Series 63 and Series 65 licenses and has 11 years of industry experience, including prior roles at Stancorp Equities, GWFS Equities, and John Hancock. Outside of his advisory work, he serves as National Sales Director for The Standard Insurance Company, focusing on stable value insurance contracts for government entities, and maintains a referral-based real estate business. KRM Advisory Services serves individual clients by providing ongoing portfolio management and one-time financial planning. The firm combines charting, fundamental analysis, and modern portfolio theory in a long-term investment approach across multiple asset classes, manages client accounts primarily on a discretionary basis, and utilizes Charles Schwab as its custodian.

Richard Fletcher is the principal of Fletcher Financial, LLC in Carlsbad, CA, with 37 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sagepoint Financial, Inc. from 2009 to 2016. Fletcher Financial, LLC manages approximately $11 million in assets for a small client base, including individuals, trusts, estates, charitable organizations, pension and profit-sharing plans, and corporate entities. The firm emphasizes customized, primarily long-term portfolios using both fundamental and technical analysis, and offers discretionary investment management and consulting through a wrap fee program as well as alternative portfolio services.

Burton Grantham is a financial advisor at Highpointe Wealth in Vista, CA, with 11 years of industry experience. He holds the Series 66 designation and previously worked at Edward D. Jones & Co., L.P. Grantham also operates an independent accounting services business and serves as a controller for an industrial contractor. Highpointe Wealth provides financial planning and discretionary portfolio management to individuals, small businesses, and employer retirement plans. The firm integrates accounting, tax, and outsourced controller services with its advisory practice and applies investment strategies based on Modern Portfolio Theory using ETFs, mutual funds, and equities within a long-term, buy-and-hold framework.