Winnie Robinson is a CFP® with 30 years of industry experience, currently serving as a financial advisor at Voya Financial Advisors, Inc. in San Diego, CA. She has worked with Voya Financial Advisors since 2016 and with Voya Retirement Advisors since 2021. Voya Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that provides financial planning, portfolio management, and retirement-plan advisory services to individuals, pension plans, charitable organizations, and corporate clients. The firm employs a mix of in-house and external strategists, model portfolios, and technology tools to manage predominantly non-discretionary client relationships.

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 Doney is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 credentials and eight years of industry experience. He previously worked at Intervest International Equities Corp for five years and served in the United States Navy from 1989 to 2018. Outside of his advisory role, he operates a consulting business providing expert advice and assessments to U.S. military and government clients. Kestra Advisory Services offers investment advisory and retirement-plan consulting to plan sponsors, institutional, and individual clients. The firm provides fiduciary services, plan design, employee education, and access to multiple management platforms, serving a diverse client base that includes large institutional investors such as sovereign wealth funds.

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.

Miralia Pacheco is a financial advisor with VOYA Financial Advisors, Inc., holding Series 65 and Series 63 licenses and bringing 28 years of industry experience. Her career includes roles at Reliastar and Teachers Financial Services, along with operating independent financial and insurance services since 1996. She also works as an independent insurance agent specializing in fixed insurance product sales. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate offering financial planning, portfolio management, and retirement advisory services to individuals, pension plans, charities, and corporations. The firm uses investment policy statements, model portfolios, and a combination of in-house and outside strategists to serve clients through both non-discretionary and discretionary account 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.

Alan Goldberg is a financial advisor at Citigroup Global Markets with 45 years of industry experience. He has been with Citigroup since 2007 and holds Series 63 and Series 65 designations. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains significant in-house research and market roles, combining large institutional scale with specialized market functions.

David Krakauer is a CFA® charterholder with 11 years of industry experience. He is currently an advisor at Mercer Global Advisors Inc. in San Diego, CA, where he has worked since 2022. Prior to Mercer, he was with Epstein & White Retirement Income Solutions and Altegris Investments LLC. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, and non-profits by providing investment advisory services alongside financial, tax, retirement, and estate planning. The firm employs a Modern Portfolio Theory-based investment approach with globally diversified portfolios using low-cost ETFs, index funds, separate account managers, and private funds, supported by educational programming and integrated affiliated service lines.

Joseph Davies is a CFP®-certified financial advisor with one year of industry experience, currently with Wealth Enhancement Advisory Services, LLC. His prior experience includes roles at LPL Financial LLC, Merrill Lynch, and various entrepreneurial and investment-related positions. Wealth Enhancement Advisory Services manages over $122 billion in assets and provides financial planning, asset management, retirement-plan consulting, and referrals to separate managed account managers for individuals, high-net-worth clients, corporations, and retirement plans. The firm emphasizes diversified, risk-class based allocations combining passive and active management, supported by an internal Investment Committee.

Jan Rogers is a financial advisor at Cetera Planning Partners with 26 years of industry experience. She holds a Series 66 designation and has previously worked with firms including Avantax Planning Partners and First Allied Advisory Services. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm offers additional services such as tax planning, bookkeeping, payroll support, and estate planning through third-party providers, using a diversified investment approach tailored to client objectives and risk tolerance.

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.

Ethan Brackett is a financial advisor at Voya Financial Advisors, Inc. with 11 years of industry experience. He holds a Series 66 designation and has been with Voya since 2015. Outside of his advisory work, he serves as president of a homeowners association in San Diego and also performs as a magician for client entertainment. Voya Financial Advisors, Inc. is a large-scale advisory and broker-dealer affiliate of Voya Financial that offers financial planning, portfolio management, and retirement plan services to individuals, pension plans, and corporate clients. The firm emphasizes client relationships guided by investment policy statements and model allocations, delivering services through a broad network of representatives and a diverse product shelf including both affiliated and unaffiliated investment products.

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.

Robert Holcomb is a Series 65 licensed financial advisor with 20 years of industry experience. He is currently with Valic Financial Advisors in San Diego, CA, where he has worked since 2026. His prior experience includes roles at CUSO Financial Services, Cadaret Grant & Co, and Atria Wealth Solutions, among others. 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 portfolio management, financial planning, and discretionary unified managed accounts, leveraging technology and model solutions to serve a large client base through its extensive network of advisors.

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.