Richard Bell is the sole advisor at Bell Strategic Investments, Inc. in Escondido, CA, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has led Bell Strategic Investments since 2003. Outside of his advisory work, Bell serves as a volunteer reserve police officer. Bell Strategic Investments provides discretionary investment supervisory services to individual and high-net-worth clients, managing approximately $61 million in assets. The firm employs a client-specific investment process incorporating charting, fundamental, and technical analysis, using both long- and short-term trading techniques along with higher-complexity strategies when appropriate.

James O'Brien is a financial advisor at JMO Financial with 30 years of industry experience. He holds a Series 63 designation and has worked as an independent insurance agent since 1996. In addition to his advisory role, he is a licensed real estate broker and insurance agent in Carlsbad, CA. JMO Financial is a sole-advisor independent firm that provides financial planning, portfolio management, and third-party adviser selection for individual clients. The firm manages approximately $8.27 million across five client relationships, focusing on asset allocation and fundamental analysis with regular account reviews and client meetings.

Matthew Ryan is a CFP® and CFA® with eight years of industry experience. He is the sole advisor at Focused Mission Financial, where he has worked since 2022. Prior to that, he spent seven years at Creative Capital Management, LLC. In addition to his advisory role, Matthew creates financial educational videos and hosts webinars for various clients. Focused Mission Financial is an independent firm that provides fee-only investment management and financial planning to individuals, including high-net-worth clients, as well as advisory services to employer plan sponsors. The firm employs asset-allocation strategies based on Modern Portfolio Theory, combining passive and active investments, and offers educational workshops and retirement plan consulting services.

Steven Tardiff is a financial advisor with Advisory Financial Services LLC in Oceanside, CA, holding a Series 63 designation and 39 years of industry experience. He has been with Advisory Financial Services since 1999. In addition to his advisory work, he is involved in tax consulting, insurance, and has served as a CFO. Advisory Financial Services LLC is a small, independent registered investment adviser serving primarily individual clients as well as pension and profit-sharing plans, trusts, estates, and other business entities. The firm offers comprehensive financial planning, investment management, and in-house income tax planning and preparation, tailoring portfolios to client risk tolerance and time horizons with ongoing monitoring and quarterly reviews.

Nicole Peterkin is a CFP® professional with 15 years of industry experience. She founded Peterkin Financial, LLC in 2018 after roles at The Patriot Financial Group, LPL Financial, MML Investors Services, and Mass Mutual Life Insurance Company. She serves as a trustee and treasurer of the Woodward School for Girls. Peterkin Financial is an independent registered investment adviser serving individuals, high-net-worth clients, trusts, estates, and small businesses with integrated financial planning and investment advisory services. The firm focuses on portfolio oversight and planning by recommending unaffiliated independent managers and offers public education services, including workshops and a financial boot camp for DIY investors.

Justin Irving is a CFP® professional with 26 years of experience in the financial services industry. He is the principal advisor at Irving Advisory Group, LLC, an independent firm he founded in 2012. In addition to his advisory work, he owns and operates an insurance agency and a tax preparation and planning business. Irving Advisory Group, LLC provides financial advice to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm primarily directs clients to third-party investment managers and focuses on mutual funds, bonds, ETFs, and insurance products, maintaining co-advisory relationships without exercising investment discretion or taking custody of client accounts.

Dean Hunter is the principal of Hunter VIP Investments, LLC, an independent investment advisory firm. He holds Series 65 and Series 66 licenses and has one year of experience in financial advising. Prior to founding his firm, Hunter worked at People 2.0 Global, LLC and Thrivent Investment Management and spent 35 years with Boeing. Hunter VIP Investments serves individual and high-net-worth clients, providing discretionary investment management and retirement account advice using diversified portfolios primarily composed of low-cost mutual funds and ETFs, with additional use of stocks, bonds, options, and certificates of deposit. The firm utilizes a fiduciary, long-term investment approach augmented by fundamental and technical analysis, offering portfolio customization and oversight, including allocations to independent managers.

Rhonda Farrar is the sole advisor at Farrar Financials, an independent firm based in Escondido, CA. She holds a Series 65 designation and has 16 years of industry experience, having founded Farrar Financials in 2009. Farrar Financials provides comprehensive financial planning, wealth management consulting, and fiduciary services primarily to high-net-worth individuals and trusts. The firm emphasizes client-led, non-discretionary implementation and delivers quantitative reporting and tax-aware financial plans tailored to tech-savvy clients.

Marvin Mills is the sole advisor at Strategic Income Advisors and holds a Series 63 designation with 25 years of industry experience. He has been with Strategic Income Advisors since 2011 and has worked in benefits advisory and consulting roles since 1985. In addition to his advisory work, Mills conducts insurance agent activities as part of his business. Strategic Income Advisors provides discretionary investment management primarily to individual clients and financial professionals, focusing on portfolio management through mutual funds. The firm employs a proprietary daily market-timing strategy applied consistently across accounts, often using leveraged and inverse mutual funds with relatively frequent trading.

Gary Antone is the principal of Antone Asset Management, Inc., an independent advisory firm based in Carlsbad, California. He holds a Series 63 designation and has 29 years of industry experience. Prior to founding Antone Asset Management in 2006, he was involved with The Antone Financial Group since 1999 and H.D. Vest Investment Securities since 1989. Outside of advisory services, he owns Gary Antone Insurance Services, where he provides life insurance and annuity sales and servicing. Antone Asset Management manages approximately $17.4 million across 43 client relationships, serving individuals, trusts, estates, pension and profit-sharing plans, foundations, and corporations. The firm employs a three-step service model involving client discovery, implementation, and continuous monitoring, utilizing fundamental and technical analysis to build diversified portfolios with a focus on longer-term holdings and periodic rebalancing.

Stephen Jensen is a managing partner at Jensen Capital Asset Management with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has held roles at firms including Pickwick Capital Partners and Juniper Square Inc, where he serves as SVP of Sales. Jensen is also CEO and equity owner of Jensen Capital Group, a family office holding company. Jensen Capital Asset Management is a state-registered investment manager providing discretionary portfolio management for individuals, trusts, and estates. The firm combines fundamental and technical analysis to construct tax-efficient portfolios primarily using individual bonds, equities, and low-cost ETFs, and does not employ options, margin, short sales, or managed futures.

Matthew Higbie is a CFA® charterholder with one year of industry experience, currently serving as an advisor at Birchwood Capital. His prior roles include positions at Balyasny Asset Management L.P., Citadel Enterprise Americas LLC, and Carlson Capital, L.P. Birchwood Capital serves individual and high-net-worth clients by providing comprehensive financial planning and discretionary investment management. The firm employs a passive, asset-allocation-driven approach focused on tax-aware implementation and primarily utilizes mutual funds and ETFs.

Linda Halleran is a financial advisor at Frank Financial Advisors with 10 years of industry experience. She holds a Series 65 designation and previously worked at United Capital Financial Advisers, LLC for seven years before joining her current firm. Outside of her advisory role, she is licensed as a health and life insurance agent and manages a small insurance business. Frank Financial Advisors provides discretionary asset management, financial planning, and consulting services to individuals, employee benefit plans, trusts, estates, charitable organizations, and business entities. The firm employs a mix of fundamental and technical analysis, using primarily no-load or low-load mutual funds and ETFs, and offers retirement-plan advisory services under ERISA and the Pension Protection Act.

J Everhart is a financial advisor at Vector Financial Solutions, Inc. with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including LPL Enterprise, Prudential Insurance Company of America, and Pruco Securities, LLC. Outside of his advisory role, he is a partner in Everhart Hospitality. Vector Financial Solutions serves individuals, high-net-worth clients, corporations, charities, and pension and profit-sharing plans with comprehensive financial planning, portfolio management, and retirement-plan consulting. The firm uses modern portfolio theory and model portfolios tailored to client needs, providing ongoing monitoring, rebalancing, and written financial plans.

Nicholas Gardner is a CFP® with 14 years of industry experience and is currently with The Financial Team, Inc. He has previously worked at Great Point Capital, LLC and Jrl Capital Corporation. In addition to his advisory role, he is a licensed insurance agent involved in insurance sales since 2011. The Financial Team, Inc. provides financial planning, consulting, and referral services to a range of clients including individuals, trusts, and retirement plans. The firm does not manage assets directly but connects clients with independent third-party managers who implement discretionary portfolio strategies, often using diversified ETFs and institutional mutual funds.

Brian Field is a financial advisor with Lifetime Financial Advisors Inc in Encinitas, CA, holding Series 63 and Series 66 licenses and over 25 years of industry experience. He has been with Lifetime Financial Advisors since 2014 and also maintains an affiliation with LPL Financial since 2012. Outside of his advisory role, he is involved with Policy Genius and North American Company in non-variable insurance activities. Lifetime Financial Advisors provides personalized financial planning and written investment recommendations for individuals, trusts, estates, charitable organizations, corporations, and participants in employer-sponsored retirement plans. The firm delivers non-discretionary plans without managing client assets and typically favors mutual funds selected for manager tenure, risk management, and transparency.

James Patterson is a financial advisor at Premier Financial Planning, Inc. in Valley Center, CA, holding a Series 65 credential with four years of industry experience. He has been with Premier Financial Planning since 2011. Premier Financial Planning, Inc. is a small, state-registered investment adviser serving individuals, high-net-worth clients, trusts, pension plans, and business entities. The firm provides financial planning and discretionary portfolio management using a strategic asset allocation approach guided by Modern Portfolio Theory, with services tailored to clients’ time horizons and risk tolerances.

Darlene Maza is a financial advisor at DBA Seaside Financial & Insurance Services in Carlsbad, CA, holding a Series 65 credential with four years of industry experience. She has been with Seaside Advisory Services, Inc. since 2021 and with Seaside Advisory since 2016. Seaside Financial & Insurance Services primarily serves individual clients, including high-net-worth individuals, as well as pension plans, businesses, charities, and trusts. The firm offers portfolio management, financial planning, pension consulting, and insurance placement, using investment strategies based on fundamental, technical, cyclical, and quantitative analysis.

Michael Souza is a financial advisor at Koa Wealth Management, LLC in Encinitas, CA, with 23 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley & Co., Incorporated for 10 years. He is also president of Tytan Wealth, Inc., a role he manages alongside his advisory duties. Koa Wealth Management provides financial planning, investment management, and retirement-plan consulting to individuals, high-net-worth clients, trusts, estates, charities, and business entities. The firm combines fundamental and technical analysis to construct portfolios tailored to clients’ risk tolerance, time horizon, and liquidity needs, managing approximately $255 million with a two-advisor team.

Catherine Magana is a CFP® with 25 years of industry experience, currently serving at WWM Financial since 2011. She previously worked at Purshe Kaplan Sterling Investments for six years. Magana is chairman of the board for Partners in Education, an organization focused on educational and scholarship support, and has held leadership roles with the Financial Planning Association of California. WWM Financial provides asset management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, retirement plans, and business entities. The firm employs a multi-disciplinary investment approach with tailored portfolio supervision and offers both discretionary and non-discretionary management.