I’m a Chartered Financial Analyst® Charterholder, CERTIFIED FINANCIAL PLANNER®, and IRS Enrolled Agent (EA) with more than a decade of experience helping clients build, preserve, and transfer wealth with confidence. At Oak Summit Wealth Management, I specialize in advanced tax planning, investment management, and comprehensive financial strategies for retirees, widowers, inheritors, and business owners. With a deep background in taxation as an Enrolled Agent, I’m able to design personalized plans that not only help grow your assets, but also aim to significantly reduce taxes over your lifetime — helping you keep more of what you’ve earned or inherited. Before Oak Summit, I gained valuable experience at a $100B+ registered investment advisory firm and a $4B+ wealth management firm, where I worked with high-net-worth individuals and families facing complex financial transitions. I now bring those institutional-level strategies to a more personal, boutique planning experience. I earned my undergraduate degree in Economics from the University of California, Berkeley, where I continue to stay involved as an alumni ambassador. I’m also a contracted by NerdWallet as an expert content reviewer, helping ensure financial education is accessible and accurate nationwide. In 2025, I was honored to be named a 5-Star Financial Planner by InvestmentNews.com. Outside of work, I live in San Diego with my wife, Susannah. ‍My mission is simple: To help you make wise financial decisions — whether you're retiring, navigating a loss, managing a new inheritance, or growing your business — with strategies built around tax-efficiency, personal values, and long-term security.

Steven Farrington is a CFP® professional with 17 years of industry experience, operating as the sole advisor at ESI Financial Services, Inc. in La Mesa, CA. In addition to his advisory role, he owns a CPA practice, integrating tax preparation and planning services into his financial planning engagements. ESI Financial Services, Inc. provides comprehensive financial planning, tax, and investment advisory services to individuals, families, small businesses, and related entities. The firm employs a functional asset-allocation approach with a generally passive investment philosophy, focusing on no-load index funds, ETFs, and fixed-income securities, and maintains a small client roster with non-discretionary, fee-only services.

Daniel Downey is a financial advisor at Determined Advisors LLC in San Diego, CA, holding a Series 65 license with three years of industry experience. He previously worked at Aristotle Credit Partners, LLC and Charles Schwab Investment Management, Inc. before founding his current firm. Determined Advisors provides financial planning and portfolio management services to individual and high-net-worth clients, focusing on retirement, estate, tax-aware planning, and other specialized areas. The firm uses a Core + Satellite investment approach combining passive and active strategies, emphasizing fundamental analysis and tax efficiency.

Kevin Clewley is a financial advisor at K. D. Clewley Capital Management in San Diego, CA, with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with his current firm since 2006. K. D. Clewley Capital Management provides discretionary portfolio management to individuals, trusts, profit-sharing plans, businesses, and other institutions. The firm employs a macro-timing investment approach based on forward-looking economic indicators to adjust equity and government bond exposure, primarily using ETFs, and manages $85 million in assets across 63 client accounts.

Vadim Lyulkin is an investment advisor at The Dean’s List with a Series 65 designation and no prior industry experience. He has been co-CEO and a principal owner of Cardiff, Inc., a small business lender in San Diego, since 2007, where he oversees underwriting and management of loan products. The Dean’s List provides educational content and non-discretionary investment consulting to individual investors, small business owners, and high-net-worth clients. The firm combines top-down macroeconomic and bottom-up fundamental research to inform its portfolio reviews and advisory services, and it offers access to a private investment community along with newsletters and one-on-one consultations.

Charles Manih is a CFA® charterholder and principal of Xpand Investment LLC in San Diego, with three years of industry experience. Before founding Xpand Investment, he lectured at Université La Sagesse and Lebanese International University and worked as a self-employed consultant. He produces educational content, including paid articles on platforms like Seeking Alpha, and offers courses and seminars to clients and external audiences. Xpand Investment LLC provides customized investment management, financial planning, and consulting services to individuals, high-net-worth clients, and small businesses. The firm emphasizes a written Investment Policy Statement and strategic asset allocation, with regular portfolio reviews and client reporting.

Mark Andrews is a CFP® professional with 23 years of experience in financial advising. He has been the sole advisor at Andrews Capital Management, Inc. since its founding in 1995. The firm provides fee-only investment supervisory services and financial planning to individuals, trusts, charitable organizations, and pension and profit-sharing plans. Andrews Capital Management employs a long-term, diversified asset-allocation strategy focused on managing after-tax outcomes and offers discretionary portfolio management alongside periodic performance reporting.

William Beamer is a CFP®, CFA®, and Series 65-registered financial advisor with 22 years of industry experience. He is the principal of Back Nine Financial Coaching LLC in San Diego, CA, where he has worked since 2025. Prior to founding his firm, he held roles at Corient Private Wealth, LLC and Dowling & Yahnke, LLC. Between these positions, he spent a year as a community volunteer following retirement. Back Nine Financial Coaching provides financial coaching, tailored planning, and investment consulting primarily to individuals, high-net-worth families, and related closely held companies. The firm operates on a fee-only basis without custody of client assets, emphasizing evidence-based, globally diversified asset allocation and a business model that uses hourly and fixed annual engagements rather than percentage-of-assets fees.

Michael Busico is a CFP® with 17 years of industry experience, currently serving as the sole advisor at 1st Financial Planning Group, Inc. in San Diego, CA. He has been with the firm since 2007 and has additional experience in fixed insurance sales, estate planning, and trust work dating back to 1980. 1st Financial Planning Group serves individuals and high-net-worth clients by providing financial planning and qualified plan consulting alongside insurance and annuity products, including partial life settlements. The firm refers clients to third-party money managers for investment management and operates primarily on consulting and referral fees without discretionary trading authority.

Michael Lewis is the sole advisor at Lewis Advisory Group in San Diego, CA, holding the Series 63 and Series 65 designations with 28 years of industry experience. He has led Lewis Advisory Group since 2010. Lewis Advisory Group is a fee-only independent investment adviser serving individuals, trusts, estates, corporations, and retirement accounts, including pension and profit-sharing plans. The firm manages approximately $73 million for about 50 clients, offering tailored planning services and an investment approach focused on exchange-traded funds and model-based portfolios aligned with clients’ objectives and risk tolerances.

Stephen Westwood is a financial advisor at Pacific Spirit Investments LP with 12 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at William Oneil/Oneil Capital Management from 2015 to 2019 before joining FSAQ Capital Management LLC. Pacific Spirit Investments provides discretionary investment management and portfolio construction for individuals, high-net-worth clients, trusts, estates, charitable organizations, and retirement plans. The firm uses a bottom-up quantitative stock-selection and portfolio-construction process across traditional and alternative asset classes, emphasizing systematic analysis and centralized trade execution.

Youhang Jiang is a financial advisor at SML Capital LLC in San Diego, CA, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has been with Wachovia Securities LLC since 2003. SML Capital LLC provides discretionary asset management services to individuals, pension and profit-sharing plans, trusts, charitable organizations, estates, and business entities. The firm develops investment strategies tailored to clients’ time horizons and risk tolerances, managing diversified portfolios on a discretionary basis.

Todd Hoyt is the principal of RabbitPlans and holds a Series 65 designation. He has one year of industry experience, having founded RabbitPlans after retiring in 2016. RabbitPlans is a fee-only registered investment adviser providing project-based financial planning to individuals, high-net-worth clients, and businesses. The firm offers limited-scope written engagements on topics such as business planning, cash flow and debt management, estate and tax planning, retirement projections, and investment analysis, relying on fixed or hourly fees without managing client assets.

Robert Bartels is the sole advisor at New Phase Financial in San Diego, CA, holding a Series 65 credential with five years of industry experience. Prior to founding New Phase Financial in 2021, he was retired from 2016 to 2021. New Phase Financial provides comprehensive financial planning services primarily to individual and couple clients, focusing on retirement, tax, estate, insurance, college savings, employee benefits, and business planning. The firm operates on a fee-only basis with fixed-fee and hourly engagements, does not offer discretionary investment management, and delivers plans for client implementation through custodians of their choice.

Ryan Gonzales is a CFP® with 17 years of industry experience, currently serving as the sole advisor at True Fiduciary Capital, LLC since 2019. He previously worked at USAA Financial Advisors and USAA Investment Management Company. Outside of his advisory role, he designs and sells shirts through his business Dad Fiction and provides color commentary for local high school sports with the NFHS Network. True Fiduciary Capital offers discretionary and non-discretionary investment supervisory services and financial planning to individual and high-net-worth clients. The firm employs a concentrated, fundamental equity approach focused on companies with strong free cash flow and intrinsic value, managing approximately $90 million across about 60 accounts.

Matthew Gonzales is a CFP® with four years of industry experience currently serving as the sole advisor at ING Wealth in La Mesa, CA. His prior experience includes six years at LPL Financial and roles at North Island Credit Union and San Diego State. Before entering the financial industry, he worked seven years at Steele Canyon Golf Club Corporation. ING Wealth provides portfolio management and financial planning services to individuals, high-net-worth clients, and business entities. The firm offers a Comprehensive Portfolio Management service that combines discretionary asset management with optional financial planning, utilizing a variety of analytic methods and trading strategies tailored to client risk profiles and goals.

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.

Jeffrey Bernstein is the sole advisor at JLB Capital Management LLC, an independent firm based in San Diego, CA. He holds a Series 65 designation and has 14 years of industry experience. Bernstein has been with JLB Capital Management since its founding in 2001. JLB Capital Management manages a pooled vehicle focused on acquiring and servicing private student loans in the form of retail installment contracts. The firm primarily serves accredited investors, family offices, and institutional clients, employing a bottom-up underwriting process and a niche credit strategy centered on loans from for-profit schools.

Most financial advice assumes you live, earn, bank, and retire in one country. My clients don't — and that's exactly the work I love. I'm Victor Gersten, founder of Cross Border Wealth Advisors. I work with US citizens and dual nationals living abroad, especially those moving between the United States and Spain, and those planning a move to Portugal or elsewhere in Europe. What makes cross-border planning hard isn't the investing — it's everything around it: how two tax systems interact, where to hold accounts, how a Golden Visa or a relocation reshapes your plan. I'm both a CERTIFIED FINANCIAL PLANNER™ and an Enrolled Agent, so I look at your investments and your tax picture together instead of handing you off and hoping the pieces line up. When a client needs in-country expertise, I coordinate with trusted tax and legal partners in the US, Spain, and across Europe. I built this firm after years inside large US brokerage houses, where I saw how poorly the traditional model served people whose lives crossed borders. Today I split my own life between the US and Spain, work in English and Spanish, and teach university students on the side — so the cross-border balancing act my clients live isn't theory to me, it's my everyday. I'm fee-only and a fiduciary: I'm paid only by my clients, never through commissions or products. If you're building a life across borders and want a planner who actually speaks both sides of it, let's talk.

Sergio Fourzan is the principal advisor at Fourzan Financial LLC, an independent registered investment adviser based in Chula Vista, CA. He holds the Series 65 designation and has experience with Forward Capital Corp from 2012 to 2025. Outside of financial advising, he has been involved with Fourzan Car Rentals since 2022. Fourzan Financial LLC serves individuals, high-net-worth individuals, families, and trusts by providing discretionary portfolio management and financial planning services. The firm’s investment approach combines macroeconomic analysis with fundamental research, using a low-cost passive core complemented by selective active strategies and a focused equity option.