J Everhart is a financial advisor at Vector Financial Solutions, Inc. with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Prudential Insurance Company of America since 2007, with additional experience at LPL Enterprise and the California Health Benefit Exchange. Outside of advisory work, he is a partner in Everhart Hospitality. Vector Financial Solutions serves individuals, corporations, charities, and pension and profit-sharing plans by providing comprehensive financial planning, portfolio management, and retirement-plan consulting. The firm uses modern portfolio theory with model portfolios and tailors strategies to individual client objectives, including services uncommon among peers such as ERISA plan support.

Nicholas Gardner is a CFP® with 15 years of industry experience, currently serving at The Financial Team, Inc. He has previously worked at Great Point Capital, LLC and Jrl Capital Corporation. In addition to his advisory role, Gardner is a licensed insurance agent engaged in insurance sales. The Financial Team, Inc. provides financial planning, consulting, and third-party investment management referral services to individuals, trusts, estates, small businesses, and retirement plans. The firm focuses on non-discretionary guidance and relies on referrals to outside managers who implement globally diversified portfolios primarily using ETFs and no-load mutual funds.

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.

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.

Gary Stout is the founder of Stout Capital Management LLC and holds a Series 65 designation with 24 years of industry experience. He has led his firm since 2002, focusing on investment management and financial planning. Stout Capital Management LLC is a fee-only, state-registered investment adviser serving individuals, trusts and estates, company retirement plans, and charitable organizations. The firm emphasizes customized portfolios using modern portfolio theory, strategic asset allocation, global diversification, and low-cost mutual funds and ETFs, with services that include separate investment management for smaller accounts as well as hourly financial-planning and consulting engagements.

Gregory Carroll is a CFP® professional with 31 years of industry experience, currently serving at WWM Financial since 2019. His prior roles include positions at Sterling Global Strategies, APW Capital, and Sterling Wealth Management Group, Inc. Outside of his advisory work, Carroll owns and manages rental properties in San Diego. 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 portfolio management.

Clinton Cooper is a financial advisor at Cooper Capital Group with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has held positions at Northwestern Mutual and Purshe Kaplan Sterling Investments. Cooper serves on the board of Elevated Performance, a sober life coaching and fitness charitable organization. Cooper Capital Group primarily serves individual and high-net-worth clients, offering discretionary asset management, comprehensive portfolio management, financial planning, and retirement plan consulting. The firm employs a diverse investment approach that includes fundamental, technical, quantitative, and sector analysis, utilizing a wide range of strategies and third-party managers to implement and monitor client portfolios.

Vincent Stefano is a financial advisor at WWM Financial in Carlsbad, CA, with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with WWM Financial since 2013. WWM Financial provides asset management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, retirement plans, and business entities. The firm manages approximately $342 million in assets, employing a multi-disciplinary investment approach with tailored portfolio supervision and a mix of securities and strategies.

Jacob Rogers is a financial advisor at 77 Financial Group with one year of industry experience. He holds a Series 65 designation and previously worked for the City of San Marcos for seven years. 77 Financial Group serves individual investors, retirement plans, trusts, estates, charitable organizations, and business entities with fee-based investment advisory and financial planning services, as well as pension consulting. The firm manages portfolios using a tactical allocation approach and offers a range of investment strategies alongside related tax and accounting services.

Taylor Jobe is a financial advisor at MKT Advisors LLC with 11 years of industry experience and holds a Series 65 designation. He has worked at MKT Advisors LLC since 2015. Outside of his primary role, he is the owner and president of HARVEST LLC, a SaaS company providing options calculations, and serves on the strategic advisory board of DPL Financial Partners, an insurance marketplace. MKT Advisors provides investment advisory and financial planning services to individuals, high net worth clients, trusts, estates, charitable organizations, foundations, businesses, and retirement plans. The firm manages approximately $463.7 million across discretionary and non-discretionary accounts and employs customized portfolios using stocks, bonds, mutual funds, ETFs, and options with an emphasis on both long-term and tactical approaches.

Philip Smith is a CFP® and ChFC® with 26 years of industry experience. He is currently a financial advisor with Salient Wealth Planning and has previously worked at Ameriprise Financial Services, Inc. and Purshe Kaplan Sterling Investments. Smith also assists clients with term, long-term care, and disability insurance. Salient Wealth Planning is a registered investment adviser serving individual and high-net-worth clients, trusts, estates, and businesses. The firm manages approximately $239 million in client assets, focusing on long-term, fundamental analysis to build diversified portfolios using low-cost mutual funds, ETFs, and occasionally individual securities.

Alvin Gebhart Jr. is a CFP® with 44 years of industry experience and is a principal at Gebhart & Associates, Inc. in Fallbrook, California, where he has worked since 1998. He has served on the Fallbrook Public Utility Board since 2006. In addition to his advisory role, he is also an insurance agent offering life, accident, health, property and casualty insurance, and fixed annuities. Gebhart & Associates is a small registered advisory firm that provides financial planning and consulting services to individuals, trusts, estates, charitable organizations, and business entities. The firm delivers written financial plans and modular consulting with a focus on asset-class and diversified-portfolio recommendations rather than ongoing portfolio management.

Jeffrey Wiyninger is a CFP® professional with 18 years of experience in the financial advisory industry. He has been with Pathway Advisors, LLC since 2016 and previously worked at Independent Financial Group and Cincinnati Analysts, Inc. He is also a licensed insurance agent. Pathway Advisors is a supported registered investment adviser serving individual and high-net-worth households, pension plans, and small businesses. The firm utilizes discretionary and non-discretionary portfolio management strategies, often employing model portfolios and third-party sub-advisers, and is noted for its integration with an accounting practice and advisory personnel who hold insurance licenses.

Bradley Ball is a financial advisor at Seaport Wealth Management in Escondido, CA, with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Newbridge Securities Corporation for 13 years before joining Seaport Wealth Management in 2020. Outside of his advisory role, he provides limited legal document preparation services, assisting individuals including his elderly father. Seaport Wealth Management is a small, two-advisor firm serving individual retail clients with a focus on passive portfolio management using diversified mutual funds and ETFs. The firm manages primarily nondiscretionary accounts and may recommend third-party managers for discretionary strategies when appropriate.

Richard Vertucci Jr. is a financial advisor at Salient Wealth Planning with eight years of industry experience. He holds a Series 66 designation and has previously worked at Ameriprise Financial Services, Inc. and Savvy. Salient Wealth Planning serves individuals, high-net-worth clients, trusts, estates, and businesses by providing discretionary and non-discretionary investment management, retirement advice, and financial planning. The firm employs a long-term, fundamental analysis approach to construct diversified portfolios, emphasizing low-cost mutual funds and ETFs, and oversees independent managers and platforms as part of its investment process.

Kyle Stits is a financial advisor with Cooper Capital Group in Encinitas, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investment and Northwestern Mutual. Cooper Capital Group serves individual and high-net-worth clients, providing discretionary asset management, comprehensive portfolio management, financial planning, and retirement plan consulting. The firm employs a diverse investment approach that incorporates fundamental, technical, quantitative, and sector analysis across a wide range of strategies, with ongoing portfolio monitoring and rebalancing.

Lawrence Ladd is a CFP® and CFA® with 13 years of industry experience currently working at Coronado Investment Advisors, LLC. He has held positions at Magellan Federal, My Secure Advantage, and Zeiders Enterprises. Ladd also serves as a financial counselor for military service members, providing budgeting and credit counseling services. Coronado Investment Advisors offers discretionary portfolio management and advisory services to individuals, families, trusts, corporations, endowments, and government entities. The firm employs an adaptive, active investment approach combining fundamental, technical, and probabilistic methods, utilizing primarily individual stocks, bonds, and ETFs.

Timothy Winter is a CFP® with 21 years of industry experience, currently serving as the sole advisor at Steward Family Office, Inc. since 2014. He provides management advisory services to his firm and performs additional consulting work for CTJML, Inc. Steward Family Office, Inc. offers financial consulting and family office services to high-net-worth families, trusts, and foundations, focusing on reporting, estate and philanthropic consulting, private equity, and administrative coordination without managing client investments or custody.

Todd Frank is a financial advisor with Frank Financial Advisors in Carlsbad, CA, holding the PFS™ and Series 66 designations and bringing 25 years of industry experience. He has been with Frank Financial Advisors since 2008. Outside of his advisory role, he is licensed to sell non-variable life, health, and disability insurance products. Frank Financial Advisors provides discretionary asset management, financial planning, and consulting services to a diverse client base, including high-net-worth individuals, trusts, estates, and charitable organizations. The firm employs primarily no-load or low-load mutual funds and ETFs, using both fundamental and technical analysis across long- and short-term strategies.