James Amerman is a CFP®-certified financial advisor with 10 years of industry experience, currently with First Command Advisory Services. His prior roles include positions at Fortress Wealth Management, Westmount Asset Management, and Precision Roth Conversion. He is also an instructor for the California Society of CPAs, where he creates educational content on Roth strategies and engages with participants during quarterly sessions. First Command Advisory Services serves individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers comprehensive financial planning and multiple wrap-fee asset management programs managed centrally by an Investment Management Team and Wealth Portfolio Managers.

Shannon Clancy is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and based in Coronado, CA. Clancy has been involved in business activities including leadership roles at Plan to Prosper and the Coronado Historical Association. 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 with multiple managed-account programs, third-party asset manager access, and custody and clearing services.

Mark Nguyen is a financial advisor at First Command Advisory Services with one year of industry experience. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as the Chief Financial Officer for Legendary Lion Dance, a community nonprofit organization managing payments, expenses, and tax filings. First Command Advisory Services is an SEC-registered firm serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and wrap-fee asset management programs using model portfolios managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Alexandra Sonnenberg is a CFP® professional with six years of industry experience, currently serving at Commonwealth Financial Network since 2024. Her prior experience includes roles at Cambridge Investment Research Advisors, Inc. and Foresters Financial Services. She is also involved in fixed insurance sales in San Diego. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors, offering a broad range of managed-account programs, third-party asset manager access, and custody services.

Daniel Umansky is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 63 designation and 34 years of industry experience. His prior experience includes roles at Cetera and First Allied firms from 2014 through 2025. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base, including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized retirement consulting, utilizing a strategic investment process that combines passive and active management with quantitative and fundamental research.

Thomas Faley is a financial advisor at &PARTNERS with 24 years of industry experience. He holds the Series 66 designation and previously worked for Wells Fargo Clearing and Wells Fargo Advisors, LLC. &PARTNERS serves a diverse range of clients, including individual and institutional investors such as retirement plans, charitable organizations, and sovereign wealth funds. The firm offers both investment advisory and brokerage services, employing a variety of portfolio management strategies through platforms like Envestnet and utilizing a combination of proprietary and third-party solutions.

Kurt Eakin is a CFP® with 26 years of industry experience, currently serving as an advisor at Kestra Advisory. He previously spent 13 years at Commonwealth Financial Network. Outside of his advisory work, he is the owner and president of Coastal Life Ventures Inc., a firm involved in investment management and financial planning. Kestra Advisory provides investment advisory and retirement-plan consulting services to plan sponsors and a broad mix of institutional and individual clients, offering fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions. The firm manages approximately $79.8 billion in assets and serves a diverse client base, including large institutional investors such as sovereign wealth funds.

Mark Ruffo is a financial advisor with Transamerica Retirement Advisors, LLC based in San Diego, CA. He holds Series 63 and Series 66 licenses and has 28 years of industry experience. His career includes roles at Lincoln Financial and TD Ameritrade. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through programs focused on asset allocation and retirement guidance, utilizing Morningstar Investment Management for portfolio construction and oversight.

Jeremy Gonzalez is a financial advisor at TLG Advisors, Inc. with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Forthright Capital Partners, Forthright Capital Advisory, and Alpha Global Investments. Outside of his advisory roles, he serves as president of Alpha Global Investments and is also an independent insurance agent. TLG Advisors, Inc. manages approximately $2.0 billion in discretionary client assets and serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors. The firm offers investment supervisory and portfolio management, financial and estate planning, ERISA fiduciary services, and a direct-to-consumer program called Starlight Portfolios, combining fundamental analysis and Modern Portfolio Theory with a platform that integrates traditional and nontraditional client services.

Wang Liao is a financial advisor with HSBC Securities (USA) Inc. based in San Diego, CA. He holds the CFA® designation and Series 66 license, and has eight years of industry experience. His work history includes roles at HSBC Private Banking and HSBC Securities (USA) Inc. since 2017, as well as prior positions at Abroad Intellect, Inc. and DLD Asset Management, Lp. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base including individuals, retirement accounts, charitable organizations, and corporations. The firm provides a range of program types combining client-directed and discretionary management, utilizing strategic and tactical asset allocation with oversight from affiliated and third-party providers.

Robert Mccauley is a financial advisor with Citigroup Global Markets holding Series 63 and Series 66 credentials and three years of industry experience. He has worked at Fidelity Investments and Citi, among other roles prior to his current position. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research and operating as a swap dealer and futures commission merchant.

Gabriel Adams is a CFP® and holds a Series 66 license with 10 years of industry experience. He has worked at Creative Planning since 2021 and previously held positions at Reilly Financial Advisors, WCG Wealth Advisors, Beta Wealth Group, and Epstein and White Financial. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Eric Enriquez is a financial advisor at Commonwealth Financial Network with seven years of industry experience. He holds the Series 66 designation and previously worked at Independent Financial Group, LLC and Mission Bay Aquatic. 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 individual and institutional clients. The firm offers a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement and plan consulting, and custody and clearing services.

Nicole Ross is a CFP® professional with 19 years of industry experience. She has been with Valic Financial Advisors since 2008 and has held a position at Agia since 2022. At Agia, she is involved with non-securities insurance products. Valic Financial Advisors serves primarily 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 manages discretionary unified managed accounts via Envestnet’s platform and provides tax-aware and impact/ESG overlay services.

Robert Sandrew is a financial advisor at Mariner with 28 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Integrated Wealth Concepts LLC and LPL Financial for nine years. Mariner serves a diverse client base including individuals, high-net-worth households, and various institutional entities, providing investment management, financial planning, retirement plan consulting, and coordinated tax and family office services. The firm employs discretionary, customized portfolios supported by an internal team and third-party managers, with a notable integration of tax and accounting services uncommon at its enterprise scale.

Lincoln Muriithi is a financial advisor at First Command Advisory Services with one year of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Lincoln and Associates Capital LLC and Kozminski University. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs that utilize model portfolios and third-party managers selected by a centralized Investment Management Team.

Tom Gibbings is a financial advisor at Prime Capital Financial with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including 20/20 Financial Advisers of San Diego and Ameritas Life Insurance Company. He serves as a board member of the Optimist Club Foundation of Point Loma, which raises funds for youth programs in the community. Prime Capital Financial is an SEC-registered enterprise advisory firm serving individuals, trusts, corporations, and retirement plans. The firm offers asset management, financial planning, retirement plan services, and family office offerings, utilizing a variety of investment strategies and platforms.

Christie Caliva is a financial advisor with Kestra Advisory Services LLC, holding a Series 66 designation and bringing 17 years of industry experience. She previously spent 10 years at Commonwealth Financial Network before joining Kestra in 2025. Caliva also owns an administrative entity, Christie Caliva Inc., which she maintains for corporate filings. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including institutional and individual investors. The firm offers services such as fiduciary consulting, plan design, and investment advice, managing approximately $79.8 billion in assets and serving large institutional clients including sovereign wealth funds.

Gina Cohen is a CFP® with eight years of industry experience, currently serving as a financial advisor at Creative Planning. Her prior roles include positions at Bernstein Private Wealth Management and Woodbury Financial Services, among others. Outside of her advisory work, she is the founder of Dogue by Gina LLC, a small business creating custom pet portraits, and she teaches preparation courses for CFP exam candidates through CeriFi LLC. Creative Planning provides comprehensive investment advisory and financial planning services to a diverse client base, including individuals, corporations, and retirement plans. The firm employs a financial planning–led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supported by a large advisory team and extensive investment infrastructure.

Jon Greulich is a financial advisor at Independent Financial Group, LLC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Principal Securities, Bb&T/John Burman Insurance, and BWood Insurance Services, where he currently sells employee benefits plans and works with group health plans. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement plan services through a national network of Investment Adviser Representatives, utilizing multiple advisory programs and third-party asset managers.