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.

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.

Patrick Kelly is the sole advisor at Next Alpha Capital, LLC, a California-registered independent advisory firm. He holds a Series 65 designation and has nine years of industry experience, including five years at Motorola Solutions. Outside of his advisory role, Kelly manages a self-directed IRA investment company focused on futures and options trading. Next Alpha Capital provides investment advice through separately managed accounts and discretionary trading across a wide range of securities and financial instruments. The firm operates with broad discretionary authority and conducts continuous account reviews, offering a fixed hourly fee model rather than traditional percentage-based fees.

Hello! I'm Shannon, a bilingual (Eng/Spn) Advice-Only CFP® practitioner, and I'm here to help you create a clear path towards your life goals and a sense of financial freedom through values-aligned financial planning. I have worked with clients across a variety of career fields, from tech and solopreneurs to educational institutions, such as the UC system and public employees working for federal, state and local governments. My clients come from all walks of life, and I am particularly passionate about supporting those typically left out of money conversations and economic power, eg. women and BIPOC. I specialize in working with first generation wealth builders, like myself, who want to change their financial family trees, as well as those who want to go above and beyond reaching financial freedom for themselves to invest responsibly, support their communities in creative and meaningful ways, and to help close the wealth gap. I'm here to help you know, feel and do better with your money, and to help you make your money work harder for you in support of your goals, the life you want for yourself, and the impact you want to have on the world around you. Examples of who I work well with: • First Generation Wealth Builders, First Gen Americans and Immigrants • Progressive professionals interested in ESG & Socially Responsible Investing • FI/RE aspirers • Individuals, couples, LGBTQIA and non-traditional households • Tech employees & employer equity recipients • Small business owners I work with clients in San Diego, as well as nationwide via virtual meetings. Interested in working together? Please visit my website for more information and to schedule an introductory appointment: www.sagefinancialsd.com

Eric Niergarth is a flat-fee Retirement & Tax Planner. He holds the CFP® designation and has over a decade of financial services experience. He is passionate about helping people prepare for and transition into their ideal retirement. Before founding Retirement Roadmap Financial Planning, Eric was a Financial Planner under two of the most sought-after Wealth Management firms in San Diego, where he helped high-earning and high-net-worth families work towards their ideal retirement. Prior to that Eric worked with financial advisors at TD Ameritrade Institutional. There he gained valuable experience through consulting advisory firms on various industry topics. Outside of the office, Eric can be found spending time with his wife and two kids. He enjoys hiking, surfing, sailing, pickleball, and golf.

Anders Norrman is a CFP® and CFA® credentialed financial advisor with nine years of industry experience. He is the principal of Spreckels Wealth Management in San Diego, CA, where he has worked since 2021. In addition to his advisory role, Norrman serves as a Senior Investment Officer for the San Diego City Employees' Retirement System, overseeing publicly traded equity and fixed income assets. Spreckels Wealth Management provides personal wealth management on a fee-only basis to individuals, families, trusts, estates, and family businesses. The firm employs a strategic asset-allocation approach that combines passive index/ETF exposures with actively managed funds, dividend-paying stocks, and individual bonds, offering customized portfolios and regular monitoring with quarterly reporting.

Marten Mullins is a CFP® with 13 years of industry experience, currently operating as the sole advisor at Black Horse Wealth Management in San Diego, CA. He previously held roles at JPMorgan Chase Bank and JPMorgan Securities LLC, accumulating eight years of experience at the latter. Black Horse Wealth Management provides comprehensive portfolio management and financial planning services to individuals, high-net-worth clients, trusts, estates, corporations, and retirement plans. The firm employs a multi-method investment approach emphasizing asset allocation and manages a concentrated client base, offering both discretionary and non-discretionary account oversight.

Mary Storjohann is a CFP® and holds a Series 66 license with 18 years of industry experience. She is the sole advisor at Allora Wealth, LLC, an independent firm she joined in 2025. Prior to Allora Wealth, she worked at Abacus Wealth Partners and Workable Wealth, LLC. Allora Wealth provides discretionary investment management combined with ongoing financial planning to individuals, couples, families, and related entities. The firm uses a Modern Portfolio Theory approach with primarily passive, diversified portfolios consisting of index mutual funds and ETFs, managing accounts on a discretionary basis while accommodating reasonable client-imposed restrictions.

Jamie Fleming is a CFP® professional with 23 years of industry experience and the principal of Fleming & Associates, LLC in San Diego, CA. He has been with Fleming & Associates since its founding in 2003 and is also a licensed insurance agent offering products such as life insurance, long-term care, and annuities as part of the financial planning process. Fleming & Associates provides portfolio management and comprehensive financial planning services to individual clients, including high-net-worth individuals, as well as corporate pension and profit-sharing plans. The firm emphasizes fundamental analysis and uses written Investment Policy Statements to guide portfolio management, offering direct management, third-party adviser referrals, and access to wrap fee programs.

Hugo Lopez is a financial advisor with Lighthouse Advisory Services, Inc. in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. He has worked at several firms, including Fortune Financial Services and Seaside Advisory Services. Lopez is also an independent insurance agent. Lighthouse Advisory Services, Inc. is a small independent firm managing approximately $9.6 million in assets for 24 clients, including individuals, high-net-worth clients, and retirement plan sponsors. The firm provides personalized portfolio management, financial planning, and pension consulting, operating primarily on a non-discretionary basis and utilizing a variety of investment strategies and analytic methods.

Mark Jackson is a CFP® and ChFC® credentialed advisor with 20 years of industry experience. He has been the sole advisor at Jackson Asset Management, Inc. since 1995. The firm is an independent registered investment adviser based in San Diego, CA, offering portfolio management, financial consulting, and ERISA-fiduciary services primarily to individuals, high-net-worth clients, trusts, and estates. Jackson Asset Management employs a combination of fundamental and technical analysis along with cyclical analysis for tactical adjustments, managing accounts on a discretionary basis with a focus on minimizing transaction costs and periodic rebalancing.

Robert Duncan is a CFP® professional based in San Diego, CA, currently serving as the sole advisor at Elevate Wealth LLC. He has no prior industry experience before founding Duncan Funding Partners in 2016, where he has been involved for eight years. Elevate Wealth serves individual and high-net-worth clients with discretionary asset management and comprehensive financial planning. The firm employs a combination of fundamental analysis, Modern Portfolio Theory, and passive strategies, offering both fixed-fee and hourly planning options alongside portfolio management.

Clifford Schmidt is the sole advisor at Foundation Associates Asset Management Inc. in San Diego, CA, holding Series 63 and Series 65 licenses with 46 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2018. Schmidt serves as treasurer of the advisory board for the San Diego High School Foundation’s Academy of Finance. Foundation Associates Asset Management provides portfolio management and investment research to individual investors and small businesses, operating both discretionary and non-discretionary accounts. The firm employs a primarily technical approach using chart studies and option-based strategies, with client accounts reviewed weekly and trades aggregated across clients.

Erik Smith is a CFP® professional with four years of industry experience. He currently works at 401 Financial, where he has been since 2022. His prior experience includes roles at Onramp, Roell Capital Management (Mass Mutual), US Bank, and Principal. 401 Financial is a small advisory practice serving individual and high-net-worth clients with financial planning, investment planning, and specialized cryptoasset strategy services. The firm emphasizes passive core allocations supplemented by tactical elements and offers proprietary crypto research and coaching as part of its tailored client approach.

Alexander Heyman is a financial advisor at Heyman Investment Counseling LLC with a Series 65 designation and two years of industry experience. Prior to joining Heyman Investment Counseling, he worked at Mariner Wealth Advisors and Aggancio. Heyman Investment Counseling LLC is a small, state-registered advisory firm serving individuals, trusts, private foundations, and retirement accounts. The firm manages balanced portfolios primarily focused on large-cap equities with complementary exposure to international, small- and mid-cap equities, and fixed income, using a mix of fundamental, valuation, and technical analysis.

Juan Gomez is a financial advisor with Prime Capital Equities LLC in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. He has been with Prime Capital Equities since 2011. Prime Capital Equities LLC provides portfolio management services to individuals, charitable organizations, and retirement plan sponsors, combining fundamental and technical analysis with both long- and short-term trading strategies. The firm emphasizes plan-sponsor services and maintains formal referral relationships with ERISA 3(38) managers.