Jonathan Good is a Series 66-credentialed financial advisor with 18 years of industry experience. He joined Commonwealth Financial Network in 2023 after spending a decade with Principal Securities Inc and Principal Life Insurance Company. He is based in San Diego, California. 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 a large base of individual and institutional clients. The firm provides a broad adviser-support platform including managed-account programs, third-party asset manager access, retirement consulting, and custody services.

Christine Martinez is a financial advisor at Commonwealth Financial Network with four years of industry experience. She previously worked at Independent Financial Group, LLC and Cohn & Company. Outside of finance, she has worked as an independent contractor specializing in mobile wedding gown preservation and as a health coach. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $210 billion in client assets. The firm provides a broad adviser-support platform, including managed-account programs, third-party asset manager access, and custody/clearing services.

Patrick Mc Grath is a financial advisor at Allworth Financial, L.P. in San Diego, CA, with eight years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Allworth, he worked at The Vanguard Group, Inc. for five years and Hall Private Wealth Advisors for one year. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm employs customized portfolios using various model strategies and utilizes technology to manage held-away employer retirement accounts without client credentials.

Colin Dickerson is a financial advisor at Empower Advisory Group with four years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at Personal Capital Advisors Corporation and Empower Financial Services, as well as a position at Pacific Beach Alehouse. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage clients. The firm’s approach integrates proprietary and third-party methodologies focused on long-term portfolio returns and savings rates, offering both point-in-time financial plans and optional managed account solutions.

Hanna Kennedy is a CFP® and holds a Series 65 license, with six years of industry experience. She has worked at Creative Planning since 2021 and previously held roles at Reilly Financial Advisors, the County of San Diego, and Burger Lounge Restaurants. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base that includes individuals, pension and profit-sharing plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies while incorporating private market investments and sub-advisory arrangements.

Ty Summerlin is a CFP® with 11 years of industry experience, currently with Focus Partners Wealth, LLC. He previously worked at HoyleCohen LLC for 10 years before joining The Colony Group, LLC. Focus Partners Wealth serves a broad range of clients including individuals, high-net-worth families, corporate and institutional investors, offering investment management, financial counseling, family office, and retirement plan services. The firm employs a long-term, tax- and fee-sensitive investment approach that integrates fundamental and quantitative analysis, along with a network of affiliated service companies providing insurance, lending, and real estate investment options.

Melissa Marin is a financial advisor with Integrated Wealth Concepts LLC and holds Series 65 and Series 66 licenses. She has 23 years of industry experience and has previously worked with firms including Commonwealth Financial Network, Manning Wealth Management, and John Hancock. Marin is involved with RetirementDNA, an affiliated investment-related business focused on retirement planning. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, managing portfolios using mutual funds, ETFs, equities, and fixed income with both long-term strategies and shorter-term adjustments.

Freddy Santizo is a financial advisor at First Command Advisory Services with two years of industry experience. He holds the Series 66 designation and has held roles at several First Command entities since 2023. Prior to that, he worked at Valley Forge Flag, Four Wheel Campers, Saladino's, and Coremark. First Command Advisory Services, Inc. is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed through a centralized Investment Management Team and Wealth Portfolio Managers.

Erik Kumas is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 14 years of industry experience. He has worked at Commonwealth Financial Network since 2016 with a one-year tenure at Kingswood Capital Partners in between. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing around $212.7 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Brian Ishihara is a financial advisor at Creative Planning with 21 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Mosaic Pacific Investment Advisors for 12 years. He is based in San Diego, CA. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals and institutional clients. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets across more than 1,100 advisors.

Valerie Carlson is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 13 years of industry experience. She has been with Commonwealth Financial since 2009. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their retail and institutional clients. The firm offers a range of advisory programs and services, including discretionary model portfolios and personalized investment solutions, while providing operations, trading, technology, compliance, and practice-management support to affiliated advisors.

James Nuanez is a financial advisor with United Planners' Financial Services of America and has 38 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with United Planners since 2008. In addition to his advisory work, he is involved with CDT Solutions, a company that provides screening services for professional athletes. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform using multiple custodians and third-party money managers, offering both fee-based and commission-based solutions through its network of 477 independent Investment Advisor Representatives.

Patricia Posada is a financial advisor at Commonwealth Financial Network with 38 years of industry experience. She holds the Series 63 and Series 65 credentials. Her prior roles include positions at Sagepoint Financial, INC. and OSAIC. Commonwealth Financial Network serves a national network of nearly 2,900 affiliated advisors and their individual and institutional clients, managing around $212.7 billion in assets. The firm offers a broad adviser-support platform including managed-account programs, access to third-party asset managers, and custody services.

Kyle Riharb is a financial advisor at PlanMember Securities Corporation with two years of industry experience. He holds Series 63 and Series 65 designations. Outside of his advisory role, he is co-founder of Shaka Bites, an energy bar manufacturing business. PlanMember provides retirement-plan advisory services to employers and participants, offering fiduciary management and participant-level investment options supported by education, seminars, and personalized planning. The firm employs a top-down strategic asset allocation approach with risk-based mutual fund portfolios ranging from conservative to aggressive.

Douglas Hall is a financial advisor with United Planners' Financial Services of America and holds the Series 63, Series 65, and Series 66 licenses. He has 29 years of industry experience, including prior roles at Independent Financial Group, LLC and his own consulting firm, Doug Hall Consulting. He currently owns Doug Hall Consulting, providing consulting services in San Diego, CA. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform with multiple custodians and third-party money managers.

Jeff Boyd is a CFP® professional with 26 years of industry experience, currently serving at Independent Financial Group, LLC since 2011. He holds Series 63 and Series 66 licenses and is based in San Diego, CA. Boyd is a board member for two nonprofit organizations, Teule Kenya and Grove Church, where he participates in governance and financial oversight. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that provides brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm offers advisory programs through its AccessPoint platform and third-party asset managers, serving a diverse client base with both discretionary and non-discretionary account management.

Darren Wagerman is a financial advisor with Voya Financial Advisors, Inc. and Voya Retirement Advisors, LLC, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He previously worked for Great West Life & Annuity Insurance Company for 20 years. Outside of his advisory role, he also works as a Lyft driver during weekends and holidays. Voya Financial Advisors, Inc. serves a diverse client base including individual and institutional investors, offering financial planning, portfolio management, and retirement plan consulting through various program structures. The firm primarily provides non-discretionary, recommendation-based advice across multiple affiliated platforms.

Lucien Heilbronner is a financial advisor at Focus Partners Wealth, LLC with one year of industry experience. He holds a Series 65 designation and has previously worked at The Colony Group, LLC, HoyleCohen, LLC, and Brown Advisory. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth families, family offices, corporations, retirement plans, and institutional investors. The firm employs a long-term, tax- and fee-sensitive investment approach with enhanced open architecture, combining fundamental and quantitative analysis alongside third-party managers, and offers a broad range of investment and wealth management services.

Cole Winship is a Series 66-credentialed financial advisor with three years of industry experience. He is currently with Commonwealth Financial Network and has prior experience at Pacific Point Wealth Management, LLC, Thrivent Financial, and RA Capital Advisors. Winship has also been affiliated with the University of San Diego. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Kelly Braun is a Certified Financial Planner (CFP®) with six years of industry experience. She has worked at Commonwealth Financial Network since 2015 and spent one year at Manning Wealth Management. Kelly is based in Coronado, CA, and holds a Series 66 license. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients through a range of advisory programs and services. The firm provides operational, trading, technology, investment management, compliance, and practice-management support, enabling advisors to offer customized portfolio solutions including discretionary model portfolios and personalized indexing options.