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.

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 22 years of industry experience, currently serving as the sole advisor at Goldman Wealth Management in San Diego, CA. His career includes a decade at HoyleCohen and roles at Mid Atlantic Financial Management. He is also an independent insurance agent specializing in accident, health, and life insurance. Goldman Wealth Management provides investment advisory and financial planning services to individuals, including high-net-worth clients, as well as pension and profit-sharing plans. The firm offers discretionary portfolio management, private investment advising, and pension consulting, using a tailored approach based on client objectives and employing fundamental analysis, modern portfolio theory, and long-term strategies.

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.

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.

Andrew Marshall is a Certified Financial Planner™ (CFP®) with 10 years of industry experience. He is the sole advisor at Andrew Marshall Financial LLC, an independent firm he founded in 2015 in Carlsbad, CA. Andrew Marshall Financial LLC provides fee-only financial planning and investment advice to individuals, couples, and families, offering both comprehensive plans and tailored engagements. The firm emphasizes a strategic asset allocation approach using passive index funds and ETFs for core holdings combined with active funds where appropriate, and operates on hourly or fixed project fees without providing ongoing portfolio management or custody of client assets.

John Peelle is a CFP® professional with 23 years of industry experience, currently operating Peelle Wealth Management, LLC in San Diego, CA. He has managed his independent advisory firm since 2012 and has been active with Peelle Financial & Insurance Services since 1997, where he also holds an insurance agent role offering various insurance products. Peelle Wealth Management provides investment management and advisory services to individuals, trusts, estates, charitable organizations, business entities, and retirement plans. The firm focuses on primarily non-discretionary asset management with quarterly reviews and integrates insurance offerings through its affiliated insurance practice.

I'm the founder of Puente Wealth Advisors, a fee-only fiduciary firm based in San Diego. Before starting my own practice, I spent years in retail banking at firms like Wells Fargo, Bank of America, and U.S. Bank, which gave me a front row seat to how everyday financial decisions add up over a lifetime. I hold the CFP designation and an MBA, and I built Puente to be the kind of advisor I wished more people had access to: someone who explains things plainly and puts the client's interest first, always. My practice serves families and business owners who want a real plan, not just investment management. I work with clients on retirement planning, tax-smart investing, and building wealth that lasts across generations. I'm also bilingual and bring a unique perspective to cross-border planning for families with ties to both the U.S. and Mexico, something I understand personally through my own family's business in Tijuana. Outside of work, I'm a husband and father, and I spend my free time on the golf course, the pickleball court, or enjoying a good glass of wine. I built Puente on the idea that good financial advice should feel like a conversation with someone who genuinely has your back, not a sales pitch. That's the relationship I aim to build with every client.

Shelley Boyce is a CFP® professional with 36 years of industry experience, currently operating through Financial Planning Solutions, Inc. She has been affiliated with CommonWealth Financial Network since 2005 and has provided financial planning services at her independent firm since 1995. Outside of advisory work, she serves as an expert witness and is involved in fixed insurance sales. Financial Planning Solutions, Inc. offers comprehensive financial planning services primarily to high-net-worth individuals, trusts, estates, and business entities. The firm focuses on tailored planning across various modules and does not manage client assets or exercise investment discretion.

Thomas Kee Jr. is the sole advisor at Equity Logic in Rancho Santa Fe, CA, holding Series 63 and Series 65 credentials with 14 years of industry experience. He has managed Equity Logic since 2010 and has run an investment newsletter, Stock Traders Daily, as CEO since 2000, dedicating time daily to writing its content. Equity Logic manages approximately $12 million, providing discretionary, rules-based portfolio management focused on ETF strategies for individuals, institutions, and third-party advisors. The firm employs systematic, multi-horizon models for US-listed equities and ETFs and offers unique services such as a non-discretionary Strategy Execution Service and performance-based fee arrangements.

Michael Allen is a ChFC® credentialed financial advisor with 26 years of industry experience. He is the principal of Allen Financial Advisement, Inc. and has previously worked at SB Advisory, LLC, San Blas Securities, LLC, and Woodbury Financial Services, Inc. In addition to his advisory work, he teaches business and finance classes at National University and founded the Muñoz Family Scholarship to support graduating high school seniors attending college. Allen Financial Advisement, Inc. provides investment and portfolio management, financial planning, retirement plan consulting, and educational seminars to a diverse client base including corporations, qualified retirement plans, charities, and individual investors. The firm employs a passive management approach based on modern portfolio theory with diversified model portfolios and offers discretionary management alongside fixed-fee and hourly consulting engagements.

Jamie Townsend is a financial advisor and attorney operating the Law Office of Jamie Townsend in Escondido, CA, with four years of advisory experience. He holds a Series 65 designation and previously worked at the Law Office of James E. Lund APC. Outside of advisory work, he teaches legal topics as an adjunct instructor for paralegal students at the University of San Diego and the University of California, San Diego, and occasionally performs as a professional musician. The Law Office of Jamie Townsend serves individuals planning or managing estates, fiduciaries, business owners, and corporate executives with services that include estate planning, wealth management advice, and retirement-plan consulting. The firm’s approach integrates legal and financial planning, focusing on legal-structure and asset-class guidance while using fundamental and technical analysis for portfolio design and tax-aware planning.

Robert Waltz is a financial advisor with La Jolla Asset Management, Inc. in San Diego, CA, where he has worked since 1996. He has 12 years of industry experience and operates as the sole advisor at the firm. La Jolla Asset Management is an independent investment adviser that provides discretionary portfolio management to individuals and institutional clients, including pension plans, trusts, and charitable organizations. The firm constructs customized portfolios using a combination of fundamental and technical analysis, a macroeconomic perspective, and a proprietary screening process focused on highly liquid NYSE and NASDAQ stocks.

Gardner Osborne is the sole advisor at Osborne Capital Management in San Diego, CA, holding a Series 65 designation with three years of industry experience. He is also the owner and tax preparer at Gardner Tax & Financial LLC, where he performs tax accounting and preparation. Osborne has a background working with Linda Osborne CPA since 2003. Osborne Capital Management provides investment supervisory services and financial planning to individual, high-net-worth, and institutional clients. The firm focuses on value-based investing with growth and income securities, managing accounts on a non-discretionary basis and offering performance-based fee arrangements for qualified clients.

Daniel Cadena is a CFP® and Series 65-licensed advisor with 21 years of experience at Cadena Financial Planning & Tax Services, an independent firm based in San Diego, CA. He has been the sole advisor at the firm since its founding in 2005. Cadena Financial Planning & Tax Services offers fee-only financial planning and investment management to individuals and trusts, focusing on comprehensive and targeted financial plans. The firm integrates tax planning as a central element of its advisory services and manages discretionary accounts with a fundamental investment approach tailored to each client’s goals and risk tolerance.

Herman Chang is a financial advisor at Cornerstone Asset Advisors Inc. in Solana Beach, CA, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has been with Cornerstone Asset Advisors since 2015. Cornerstone Asset Advisors Inc. provides discretionary asset management and financial planning to individuals, trusts, estates, charitable organizations, and business entities, typically serving a small client base with account minimums around $1 million. The firm’s investment approach combines fundamental and technical analysis, including the use of derivatives such as option writing and spreading strategies, and emphasizes advisor-led quarterly reviews.

Jacqueline Karnavas is a financial advisor at Torrey Capital Investments with 26 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Omni Brokerage Inc. since 2007. In addition to her advisory work, she is the owner of Sea + Wander, a non-investment-related business. Torrey Capital Investments provides discretionary asset management services to individuals, high-net-worth clients, and pension/profit-sharing plans. The firm manages approximately $99.8 million across 231 accounts, using a combination of cyclical, fundamental, and technical analysis with both long- and short-term strategies.

At Astra Wealth Management, we provide personalized financial planning and investment management for individuals and families navigating financial complexity. We serve high-net-worth families and high-income professionals, including retirees, sales professionals, business owners, and multi-generational families who value thoughtful guidance and a long-term partnership. AWM is located in San Diego, California and serves clients across the nation. Our clients often come to us during pivotal moments—retirement, equity compensation events, business transitions, job changes, inheritance, or major lifestyle shifts. We specialize in helping clients make confident, informed decisions during these life-defining transitions. Our services include: • Comprehensive financial planning • Portfolio management • Tax planning • Estate and legacy planning • Equity compensation and business transition planning • Insurance & Risk Management As an independent, fiduciary firm, we focus on helping clients align their wealth with what matters most—offering clarity, confidence, and a plan built for the long term.

Peter Gordon is the sole advisor at Highlands Wealth Advisors, LLC, a fee-only registered investment adviser based in San Diego, CA. He holds a Series 65 designation and has 17 years of industry experience, including 15 years with his current firm. Highlands Wealth Advisors provides discretionary portfolio management and retirement-account advice to individuals, high net worth clients, trusts, and estates. The firm emphasizes customized, predominantly long-term portfolios using low-cost mutual funds and ETFs, with selective use of individual stocks and bonds, and offers ongoing personal contact and periodic reviews.

FlightPath Financial Planning is an independent, fee-only firm built for high-earning professionals whose financial lives have outgrown generic advice. Many of my clients are nurses, physicians, pilots, tech employees, and small business owners — people with strong incomes but complicated situations: vesting equity compensation, layered employee benefits, multiple income streams, or a small business that's finally generating real cash flow. I specialize in helping clients make sense of equity compensation — RSUs, stock options, and ESPPs — building a coordinated strategy around vesting schedules, tax exposure, and diversification instead of treating it as an afterthought. I also work extensively with clients navigating PPO, HMO, HSA and high-deductible health plan decisions, particularly during open enrollment, when most advisors don't dig into the tradeoffs with any real rigor. As a Certified Financial Planner® and fiduciary, I work on a fee-only basis — no commissions, no product sales, no conflicts of interest. My practice runs on an ongoing, fixed-fee model with no account minimums, so clients always know exactly what they're paying and what they're getting, regardless of portfolio size. This makes planning accessible to high earners who don't yet have significant investable assets but have real financial complexity to manage. I'm also a private pilot with instrument and commercial ratings, and I bring the same discipline to financial planning that I bring to flying — clear checklists, careful preparation, and a plan you can actually execute under real-world conditions. That precision shows up in how I work with clients: methodical, transparent, and focused on the decisions that actually move the needle. Beyond individual client work, I run a program called True Net Benefit, which helps employers and employees navigate open enrollment decisions, particularly around HSA and HDHP options. It's often how I first connect with new clients, especially professionals working through employer benefits that are more complicated than they look on paper. If you're a high-earning professional trying to make sense of equity compensation, a benefits package, or simply want an ongoing planning relationship without AUM minimums, I'd welcome the chance to talk. Schedule a free consultation to see if we're a good fit.