Robert Nowak is a CFA® charterholder with six years of industry experience. He is currently with Pure Financial Advisors in San Diego, where he has worked since 2022. Prior to that, he was with Interactive Brokers for one year and RMV Capital for six years. Pure Financial Advisors provides financial planning and portfolio management primarily for individual and high-net-worth clients, as well as services for trusts, estates, charitable organizations, and pension and profit-sharing plans. The firm’s investment approach is planning-centered and incorporates modern portfolio theory, tax-aware techniques, and the use of sub-advisers for specialized strategies.

Richard Engbrecht is a financial advisor with RBC Securities, Inc. based in La Jolla, CA, holding Series 63 and Series 66 licenses and possessing 21 years of industry experience. His prior work history includes roles at City National Bank from 2018 to present, Unionbanc Investment Services from 2010 to 2018, and Union Bank from 2009 to 2018. RBC Securities, Inc. provides wealth management and brokerage services to individuals, trusts, estates, IRAs, and retirement plans through a wrap-fee investment advisory program. The firm integrates its advisory services within a broader financial services group affiliated with a bank, offering portfolio management, financial planning, and a range of custodial and cash-management features.

Rachel Fuss is a CFP® and holds a Series 66 license with 12 years of industry experience. She is currently with Pure Financial Advisors, LLC and previously worked at Securian Advisors Northwest, Minnesota Life Insurance Company, Securian Financial Services Inc, and Edward Jones. She was also the owner of Charthouse Financial LLC, a finance business that is in the process of closing. Pure Financial Advisors provides financial planning and portfolio management primarily for individual and high-net-worth clients, as well as for trusts, estates, charitable organizations, and pension and profit-sharing plans. The firm employs a planning-centered investment approach overseen by an Investment Committee, incorporating modern portfolio theory, tax-aware techniques, and the use of sub-advisers for specialized portfolio sleeves.

Andrew Baker is a financial advisor with Sovran Advisors, LLC in San Diego, holding Series 63 and Series 65 licenses and possessing 13 years of industry experience. He is the owner of Financial Haus, where he leads a team and mentors junior advisors, in addition to managing client relationships. Outside of financial services, Baker owns BakerStayz, a short-term rental business. Sovran Advisors serves individuals, corporations, and retirement plan sponsors with financial planning and portfolio management, employing both discretionary and non-discretionary strategies. The firm utilizes a combination of active and passive investments and offers access to third-party managers and unified managed account platforms.

Shawn Waltz is a financial advisor with Dunham, holding Series 65 and Series 63 licenses and bringing 19 years of industry experience. He has worked at Dunham & Associates Investment Counsel since 2019, following positions at Pershing LLC, Lockwood Advisors, Inc., and BNY Mellon Managed Investments, Inc. Dunham is an SEC-registered investment adviser and dually registered broker-dealer that serves individual and high-net-worth clients through various investment vehicles, including proprietary mutual funds and separately managed accounts. The firm uses an asset allocation and manager-of-managers approach, supported by a formal rebalancing process and proprietary tools, and offers integrated custody and trust services through its affiliated trust company.

Joan O'Connell is a financial advisor at MissionSquare Retirement with 16 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at Blue Water Capital Management, LLC, and operated her own consulting business. MissionSquare Retirement serves state and local government employers, their employees, and certain nonprofit entities by administering deferred compensation and qualified retirement plans. The firm offers plan administration, recordkeeping, education, and Guided Pathways Advisory Services, which include discretionary Managed Accounts and nondiscretionary Fund Advice developed with Morningstar Investment Management.

Andrew Levacy is a financial advisor with CreativeOne Wealth, LLC, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His career includes roles at CreativeOne Wealth (formerly ChangePath, LLC) and Sorrento Pacific Financial, LLC. Outside of investment advising, he has operated The Levacy Group, providing income tax preparation and planning services as an enrolled agent. CreativeOne Wealth, LLC offers fee-based asset management, financial planning, and retirement plan consulting to individuals, corporations, and other RIAs. The firm manages primarily discretionary accounts using proprietary and third-party model portfolios, employing strategies that include modern portfolio theory, fundamental and quantitative analysis, and offers access to ETFs, mutual funds, options, and private investments.

Evan Elig is a Series 65 licensed financial advisor at Mission Wealth Management, LP with five years of industry experience. Prior to joining Mission Wealth in 2024, he spent four years at American Assets Capital Advisers, LLC and has worked in various roles at Princeton University. Mission Wealth Management serves high-net-worth individuals, families, and institutional clients by providing wealth management, personalized financial planning, and investment management. The firm employs a comprehensive approach that integrates investment management with tax, trust, and estate planning, utilizing a mix of internal management and third-party sub-advisors across a diverse range of asset types.

Zareh Shahinian is a CFP® professional with eight years of industry experience, currently serving as an Investment Advisory Representative at Sovran Advisors, LLC. He previously worked with firms including Ameriprise Financial Services, Inc. and Prudential Insurance Company of America. Shahinian is also the owner of Oliria Financial LLC and is involved in fixed insurance sales. Sovran Advisors provides financial planning, advisory services, and portfolio management to individuals, corporations, and retirement plan sponsors. The firm uses a combination of active and passive investment strategies, guided by written investment policy statements, and offers access to third-party managers and unified managed account platforms.

Lucas Jacobson is a CFA® charterholder with eight years of industry experience, currently serving as a financial advisor at Mutual Advisors, LLC since 2023. His prior roles include positions at MML Investors Services LLC, MassMutual Life Insurance Company, and Wall Street Associates. Jacobson also holds an independent insurance agent license, providing life insurance services outside of investment advising. Mutual Advisors, LLC serves a diverse client base that includes individuals, trusts, retirement plans, and institutional investors. The firm manages portfolios through a combination of active and passive strategies, utilizing various analytical approaches and third-party tools to align investment decisions with client objectives.

Ryan Burgess is a CFP® professional with 13 years of experience in the financial advisory industry. He is currently with Pure Financial Advisors, LLC and has previously worked at Blue Oaks Financial, Fisher Investments, and several other firms. Pure Financial Advisors serves individual and high-net-worth clients, as well as trusts, estates, charitable organizations, and pension plans. The firm employs a planning-centered investment approach overseen by an Investment Committee, utilizing modern portfolio theory, tax-aware strategies, and specialized sub-advisers.

Scott Munro is a financial advisor with BFC Planning, Inc. in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior roles include positions at Crown Capital Securities, LP and American International Marketing. Outside of his advisory work, he serves as Executive Director for Munro World Art Associates, representing collectors and galleries in the buying and selling of art collectibles. BFC Planning, Inc. serves a diverse client base that includes individuals, corporations, pension and profit-sharing plans, trusts, and estates through a network of approximately 200 investment adviser representatives. The firm provides financial planning, portfolio management, and access to various advisory platforms and third-party managers, employing a range of investment strategies primarily involving stocks, bonds, mutual funds, and ETFs.

William Morrow is a CFP® with 49 years of industry experience. He is currently with Concorde Asset Management, LLC, where he has worked since 2018. Previously, he worked at Independent Financial Group, LLC, and Financial Designs, LTD. In addition to his advisory roles, he hosts the "Financial Advisors' Weekly" radio show broadcast on KOGO AM 600 in San Diego. Concorde Asset Management serves individual, corporate, and retirement-plan clients with discretionary and non-discretionary portfolio management, tailored financial planning, and access to third-party asset managers. The firm builds individualized portfolios using asset allocation and model-based strategies across proprietary and third-party platforms, and provides ERISA retirement-plan advisory services and participant advice.

Peter Nesbitt is a financial advisor with Dunham & Associates Investment Counsel, Inc., holding a Series 66 designation and 18 years of industry experience. He has been with Dunham since 2010. Dunham is an SEC-registered investment adviser and broker-dealer that serves individual and high-net-worth clients through proprietary mutual funds, wrap fee programs, separately managed accounts, standalone consulting, and a private fund. The firm employs a manager-of-managers approach with formal quarterly rebalancing and offers a combination of business lines including mutual funds, private equity investments, and trust services through its affiliated trust company.

Bradley Nelson is a CFP® with nine years of industry experience. He currently works at Fiduciary Financial Advisors and has previously been affiliated with Lyon Park Advisors, LLC. Fiduciary Financial Advisors serves a broad client base, including individual investors, multi-generational families, trusts, retirement plans, corporations, and charitable foundations. The firm combines digital-asset advisory capabilities with formal trust arrangements and offers services such as discretionary investment management, retirement plan consulting, and outsourced CFO engagements.

David Noosinow is a financial advisor at Mariner Independent with 14 years of industry experience. He holds Series 63, Series 66, and Series 65 designations and has previously worked at Sanford C. Bernstein and AdvicePeriod, LLC. He is also the managing member of PHALANX VFO, LLC, providing investment advisory services through Mariner Platform Solutions. Mariner Independent serves a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and business entities. The firm offers a wide range of investment and financial planning services supported by both in-house and third-party resources, with a comprehensive approach that includes access to affiliated trust and institutional consulting services.

Howard Arden III is a financial advisor at Hilltop Securities Inc. in San Diego, CA, holding Series 63 and Series 65 licenses with 20 years of industry experience. He has been with Hilltop Securities since 2006. Hilltop Securities Inc. provides brokerage, execution, clearing, custody, investment advisory, and retirement-plan consulting services to individuals, corporations, nonprofits, and institutional clients. The firm manages approximately $2.25 billion in assets and offers a range of investment solutions through an open-architecture platform that includes adviser-managed and model-based programs, with features such as municipal bond strategies, tax- and impact-overlay services, and custody capabilities uncommon among enterprise advisers.

Ricardo Leyva is a financial advisor with Snowden Capital Advisors LLC in San Diego, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. He has worked with Snowden Lane Partners since 2015 and previously spent eight years at Merrill. Snowden Capital Advisors primarily serves high-net-worth individuals and family offices, along with pension plans, endowments, and governmental agencies, offering portfolio management, third-party manager selection, financial planning, and ERISA consulting. The firm employs client-specific, model-based strategies across a broad range of instruments and maintains a material institutional client base alongside its individual wealth management services.

Alec Walsh is a financial advisor with Belpointe Asset Management LLC in San Diego, CA. He holds Series 65 and Series 66 licenses and has one year of industry experience. His prior work includes roles at Asset Preservation Strategies, Inc. and Sushi 101. Belpointe Asset Management is a multi-team registered investment adviser serving individuals, retirement plans, corporations, trusts, and other advisers. The firm manages approximately $7.6 billion in client assets and offers customized portfolio management and financial planning through a combination of passive, active, tactical, and blended strategies.

Nathaniel Ritchison is a CFP® with 21 years of industry experience, currently serving at Pure Financial Advisors since 2014. He holds a Series 65 license and is based in San Diego, CA. Pure Financial Advisors provides financial planning and portfolio management primarily for individual and high-net-worth clients, as well as trusts, estates, charitable organizations, and pension and profit-sharing plans. The firm employs a planning-centered investment approach overseen by an Investment Committee, incorporating modern portfolio theory, tax-aware techniques, and the use of sub-advisers for specialized strategies.