Andrew Marshall is a Certified Financial Planner™ (CFP®) with 10 years of industry experience. He is the sole advisor at Andrew Marshall Financial LLC, an independent firm he founded in 2015 in Carlsbad, CA. Andrew Marshall Financial LLC provides fee-only financial planning and investment advice to individuals, couples, and families, offering both comprehensive plans and tailored engagements. The firm emphasizes a strategic asset allocation approach using passive index funds and ETFs for core holdings combined with active funds where appropriate, and operates on hourly or fixed project fees without providing ongoing portfolio management or custody of client assets.

John Peelle is a CFP® professional with 23 years of industry experience, currently operating Peelle Wealth Management, LLC in San Diego, CA. He has managed his independent advisory firm since 2012 and has been active with Peelle Financial & Insurance Services since 1997, where he also holds an insurance agent role offering various insurance products. Peelle Wealth Management provides investment management and advisory services to individuals, trusts, estates, charitable organizations, business entities, and retirement plans. The firm focuses on primarily non-discretionary asset management with quarterly reviews and integrates insurance offerings through its affiliated insurance practice.

I'm the founder of Puente Wealth Advisors, a fee-only fiduciary firm based in San Diego. Before starting my own practice, I spent years in retail banking at firms like Wells Fargo, Bank of America, and U.S. Bank, which gave me a front row seat to how everyday financial decisions add up over a lifetime. I hold the CFP designation and an MBA, and I built Puente to be the kind of advisor I wished more people had access to: someone who explains things plainly and puts the client's interest first, always. My practice serves families and business owners who want a real plan, not just investment management. I work with clients on retirement planning, tax-smart investing, and building wealth that lasts across generations. I'm also bilingual and bring a unique perspective to cross-border planning for families with ties to both the U.S. and Mexico, something I understand personally through my own family's business in Tijuana. Outside of work, I'm a husband and father, and I spend my free time on the golf course, the pickleball court, or enjoying a good glass of wine. I built Puente on the idea that good financial advice should feel like a conversation with someone who genuinely has your back, not a sales pitch. That's the relationship I aim to build with every client.

Shelley Boyce is a CFP® professional with 36 years of industry experience, currently operating through Financial Planning Solutions, Inc. She has been affiliated with CommonWealth Financial Network since 2005 and has provided financial planning services at her independent firm since 1995. Outside of advisory work, she serves as an expert witness and is involved in fixed insurance sales. Financial Planning Solutions, Inc. offers comprehensive financial planning services primarily to high-net-worth individuals, trusts, estates, and business entities. The firm focuses on tailored planning across various modules and does not manage client assets or exercise investment discretion.

Joseph Sebo is the principal and sole advisor at Joseph M. Sebo, CFP Inc. He holds the CFP® designation along with Series 63 and Series 65 licenses and has 51 years of industry experience. Prior to founding his firm in 2022, he worked at Chronos Corporation and Rutman Corporation, dba Chronos. Outside of his advisory role, he is CFO, Secretary, and a Director of Global Payout, a publicly traded company specializing in debit card services. Joseph M. Sebo, CFP Inc. provides portfolio management and investment advisory services to individuals, high-net-worth clients, corporations, and business entities. The firm employs a blend of fundamental and technical analysis with active risk-management techniques and offers both long- and short-term trading and option strategies.

Thomas Kee Jr. is the sole advisor at Equity Logic in Rancho Santa Fe, CA, holding Series 63 and Series 65 credentials with 14 years of industry experience. He has managed Equity Logic since 2010 and has run an investment newsletter, Stock Traders Daily, as CEO since 2000, dedicating time daily to writing its content. Equity Logic manages approximately $12 million, providing discretionary, rules-based portfolio management focused on ETF strategies for individuals, institutions, and third-party advisors. The firm employs systematic, multi-horizon models for US-listed equities and ETFs and offers unique services such as a non-discretionary Strategy Execution Service and performance-based fee arrangements.

Michael Allen is a ChFC® credentialed financial advisor with 26 years of industry experience. He is the principal of Allen Financial Advisement, Inc. and has previously worked at SB Advisory, LLC, San Blas Securities, LLC, and Woodbury Financial Services, Inc. In addition to his advisory work, he teaches business and finance classes at National University and founded the Muñoz Family Scholarship to support graduating high school seniors attending college. Allen Financial Advisement, Inc. provides investment and portfolio management, financial planning, retirement plan consulting, and educational seminars to a diverse client base including corporations, qualified retirement plans, charities, and individual investors. The firm employs a passive management approach based on modern portfolio theory with diversified model portfolios and offers discretionary management alongside fixed-fee and hourly consulting engagements.

Jamie Townsend is a Series 65 licensed financial advisor with three years of industry experience, operating through the Law Office of Jamie Townsend in Escondido, CA. Prior to founding this firm, Jamie worked at the Law Office of James E. Lund APC for three years. Outside of financial advising, Jamie teaches legal topics as an adjunct instructor for paralegal students at the University of San Diego and the University of California, San Diego, and occasionally performs as a professional musician. The Law Office of Jamie Townsend serves individuals planning or managing estates, retirees, fiduciaries, business owners, and corporate executives with services that integrate estate planning, wealth management, retirement-plan consulting, and business succession planning. The firm’s approach combines legal-structure and asset-class guidance with fundamental and technical analysis to inform portfolio design and tax-aware planning, operating primarily on a fee-only, non-discretionary basis without custody of client assets.

Robert Waltz is a financial advisor with La Jolla Asset Management, Inc. in San Diego, CA, where he has worked since 1996. He has 12 years of industry experience and operates as the sole advisor at the firm. La Jolla Asset Management is an independent investment adviser that provides discretionary portfolio management to individuals and institutional clients, including pension plans, trusts, and charitable organizations. The firm constructs customized portfolios using a combination of fundamental and technical analysis, a macroeconomic perspective, and a proprietary screening process focused on highly liquid NYSE and NASDAQ stocks.

Todd McWilliams is the sole advisor at McWilliams Asset Management Inc. in San Marcos, CA, holding Series 63 and Series 65 credentials with 35 years of industry experience. His prior positions include roles at Wedbush Securities, FBR Capital Markets & Co., and B. Riley & Co., LLC. McWilliams Asset Management is a state-registered investment adviser providing portfolio management, asset allocation, individual security selection, and ongoing monitoring to a diverse client base that includes individuals, trusts, estates, charitable organizations, retirement-plan participants, small businesses, and corporations. The firm emphasizes long-term asset allocation and diversification using fundamental analysis supplemented by technical analysis and actively manages portfolios with a range of investment instruments including equities, fixed income, ETFs, and options.

Michael Driver is a financial advisor with Vindex Capital Management, LLC, holding a Series 65 credential and beginning his industry experience in 2026. His prior work history includes roles at PricewaterhouseCoopers, Alvarez & Marsal, Walmart, and Kiewit Corporation. Outside of his advisory role, he is involved with Vindex Accounting, PC and Vindex Holdings, LLC. Vindex Capital Management, LLC is a state-registered investment adviser serving individuals, high-net-worth clients, trusts, estates, corporations, and charitable organizations. The firm employs an asset-allocation approach combined with fundamental and technical analysis, offering tax-aware portfolio construction and coordinating with tax and legal professionals, alongside financial planning and integrated accounting services under common ownership.

Daniel Cadena is a CFP® and Series 65-licensed advisor with 21 years of experience at Cadena Financial Planning & Tax Services, an independent firm based in San Diego, CA. He has been the sole advisor at the firm since its founding in 2005. Cadena Financial Planning & Tax Services offers fee-only financial planning and investment management to individuals and trusts, focusing on comprehensive and targeted financial plans. The firm integrates tax planning as a central element of its advisory services and manages discretionary accounts with a fundamental investment approach tailored to each client’s goals and risk tolerance.

Herman Chang is a financial advisor at Cornerstone Asset Advisors Inc. in Solana Beach, CA, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has been with Cornerstone Asset Advisors since 2015. Cornerstone Asset Advisors Inc. provides discretionary asset management and financial planning to individuals, trusts, estates, charitable organizations, and business entities, typically serving a small client base with account minimums around $1 million. The firm’s investment approach combines fundamental and technical analysis, including the use of derivatives such as option writing and spreading strategies, and emphasizes advisor-led quarterly reviews.

Jacqueline Karnavas is a financial advisor at Torrey Capital Investments with 26 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Omni Brokerage Inc. since 2007. In addition to her advisory work, she is the owner of Sea + Wander, a non-investment-related business. Torrey Capital Investments provides discretionary asset management services to individuals, high-net-worth clients, and pension/profit-sharing plans. The firm manages approximately $99.8 million across 231 accounts, using a combination of cyclical, fundamental, and technical analysis with both long- and short-term strategies.

At Astra Wealth Management, we provide personalized financial planning and investment management for individuals and families navigating financial complexity. We serve high-net-worth families and high-income professionals, including retirees, sales professionals, business owners, and multi-generational families who value thoughtful guidance and a long-term partnership. AWM is located in San Diego, California and serves clients across the nation. Our clients often come to us during pivotal moments—retirement, equity compensation events, business transitions, job changes, inheritance, or major lifestyle shifts. We specialize in helping clients make confident, informed decisions during these life-defining transitions. Our services include: • Comprehensive financial planning • Portfolio management • Tax planning • Estate and legacy planning • Equity compensation and business transition planning • Insurance & Risk Management As an independent, fiduciary firm, we focus on helping clients align their wealth with what matters most—offering clarity, confidence, and a plan built for the long term.

Peter Gordon is the sole advisor at Highlands Wealth Advisors, LLC, a fee-only registered investment adviser based in San Diego, CA. He holds a Series 65 designation and has 17 years of industry experience, including 15 years with his current firm. Highlands Wealth Advisors provides discretionary portfolio management and retirement-account advice to individuals, high net worth clients, trusts, and estates. The firm emphasizes customized, predominantly long-term portfolios using low-cost mutual funds and ETFs, with selective use of individual stocks and bonds, and offers ongoing personal contact and periodic reviews.

FlightPath Financial Planning is an independent, fee-only firm built for high-earning professionals whose financial lives have outgrown generic advice. Many of my clients are nurses, physicians, pilots, tech employees, and small business owners — people with strong incomes but complicated situations: vesting equity compensation, layered employee benefits, multiple income streams, or a small business that's finally generating real cash flow. I specialize in helping clients make sense of equity compensation — RSUs, stock options, and ESPPs — building a coordinated strategy around vesting schedules, tax exposure, and diversification instead of treating it as an afterthought. I also work extensively with clients navigating PPO, HMO, HSA and high-deductible health plan decisions, particularly during open enrollment, when most advisors don't dig into the tradeoffs with any real rigor. As a Certified Financial Planner® and fiduciary, I work on a fee-only basis — no commissions, no product sales, no conflicts of interest. My practice runs on an ongoing, fixed-fee model with no account minimums, so clients always know exactly what they're paying and what they're getting, regardless of portfolio size. This makes planning accessible to high earners who don't yet have significant investable assets but have real financial complexity to manage. I'm also a private pilot with instrument and commercial ratings, and I bring the same discipline to financial planning that I bring to flying — clear checklists, careful preparation, and a plan you can actually execute under real-world conditions. That precision shows up in how I work with clients: methodical, transparent, and focused on the decisions that actually move the needle. Beyond individual client work, I run a program called True Net Benefit, which helps employers and employees navigate open enrollment decisions, particularly around HSA and HDHP options. It's often how I first connect with new clients, especially professionals working through employer benefits that are more complicated than they look on paper. If you're a high-earning professional trying to make sense of equity compensation, a benefits package, or simply want an ongoing planning relationship without AUM minimums, I'd welcome the chance to talk. Schedule a free consultation to see if we're a good fit.

Aleksandra Vasilyeva is the principal of North County Financial Planning, LLC in Carlsbad, CA. She holds a Series 65 designation and has one year of industry experience. Prior to founding her firm, she worked at Shell Energy North America and studied at Wharton Business School. Her firm provides investment management and comprehensive financial planning to individuals, including high-net-worth clients. It offers educational seminars, speaking engagements, and a separate premarital financial coaching service. The firm uses a fee-only model with customized investment policies that blend passive and active strategies and emphasizes public education and behavioral coaching.

Matthew Kather is the sole advisor at MK Investment Advisors, LLC, an independent firm based in Carlsbad, CA. He holds the CFA® designation and a Series 63 license, with nine years of industry experience, including six years self-employed prior to founding his current firm in 2017. MK Investment Advisors, LLC provides discretionary investment management and financial planning services to a small client base that includes individuals, trusts, estates, and pension/profit-sharing plans. The firm employs a tailored asset allocation framework using both fundamental and technical analysis, incorporating strategies such as margin borrowing, option contracts, single-stock futures, and short sales, with portfolios managed through separately managed accounts.

Sean Kelly is the principal and sole advisor at Kelly Financial Group LLC in Encinitas, CA. He holds the CFP® designation and has 16 years of industry experience. Sean also operates a separate tax preparation business as an Enrolled Agent, providing tax return services to clients. Kelly Financial Group is a fee-only registered investment adviser serving individuals, trusts, estates, and small businesses. The firm offers comprehensive financial planning and discretionary portfolio management, utilizing a range of investment strategies tailored to client risk tolerances and coordinating with other professional advisors.