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.

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.

Matthew Turnbull is the principal advisor at Turnbull Financial Services LLC in Encinitas, CA, with 21 years of experience in the financial industry. He holds Series 63 and Series 66 licenses and previously worked at Capital Investment Group, Inc. and Claremont Financial Group, Inc. Turnbull is also a licensed independent insurance agent, dedicating less than 10% of his time to that activity. Turnbull Financial Services LLC is a California-registered independent investment adviser serving individuals, high-net-worth clients, trusts, and estates. The firm manages approximately $3.65 million across about 15 client relationships, focusing on customized portfolio strategies using low-cost mutual funds and ETFs, with an emphasis on long-term holdings and ongoing client contact.

John Pak is a financial advisor at Vector3 Wealth Management in San Diego, CA, holding Series 63 and Series 65 licenses with 21 years of industry experience. His prior experience includes roles at Edge Wealth Management, Golden State Equity Partners, and Golden State Asset Management. Vector3 Wealth Management is an SEC-registered firm serving individual and high-net-worth clients with discretionary investment management and integrated financial planning. The firm employs a blended investment approach combining bottom-up fundamental analysis with top-down macroeconomic evaluation, managing a broad range of asset types in line with client objectives.

Douglas Anderson is a CFP® with 13 years of industry experience and has been with Life Strategies, Inc. since 2009. He holds Series 63 and Series 65 licenses and operates as the sole advisor at his independent firm based in Cardiff, CA. Life Strategies, Inc. provides discretionary portfolio management and financial planning services to individuals and high-net-worth clients. The firm uses a fundamental, long-term buy-and-hold investment approach and develops customized Investment Policy Statements to guide portfolio management.

Nicholas Iammarino is a financial advisor at LPL Financial with 38 years of industry experience. He holds the CFP® designation and has been associated with LPL Financial since 1992. In addition to his role at LPL, he provides financial planning and consulting services through his independent registered investment advisor firm, Nicholas J. Iammarino. LPL Financial offers advisory and brokerage services to a diverse client base, including individual investors, retirement plan sponsors, institutions, and high-net-worth households. The firm supports its advisors with an in-house research team that develops model portfolios and provides a range of investment solutions tailored to client needs.

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.

Paul Honeycutt is a financial advisor with Commonwealth Financial Network in San Diego, CA, holding CFP® and Series 63 designations and bringing 38 years of industry experience. He has been associated with Commonwealth Financial Network, H.S. Financial, Inc., and Honeycutt Smith & Associates since 2005. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients, offering a variety of advisory programs and services including wealth management, retirement plan consulting, and discretionary model portfolios managed through a structured due-diligence process.

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.

Daniel Harris is the principal of D.R. Harris & Co. in La Jolla, CA, holding Series 65 and Series 66 credentials with 17 years of industry experience. He has operated his independent advisory firm since 2009. In addition to investment advisory services, Harris provides income tax preparation and business consulting services through the same firm, serving some overlapping clients. D.R. Harris & Co. offers non-discretionary investment monitoring and advice tailored to individual clients’ goals, risk tolerance, and liquidity needs. The firm emphasizes long-term, efficiency-focused portfolios and uses research into historical pricing, earnings, and industry growth to guide recommendations, while clients retain custody and execute trades independently.

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.

Andrea Karafilis is a financial advisor at Karafilis Investments Corporation with 23 years of industry experience. She holds a Series 65 designation and has been with Karafilis Investments Corporation since 2006. The firm provides discretionary investment advisory services primarily to high-net-worth individuals, trusts, estates, and corporate entities. Karafilis Investments Corporation employs a long-term, low-cost investment philosophy focused on diversification and portfolio construction using Dimensional Fund Advisors’ enhanced-index mutual funds guided by Modern Portfolio Theory and a multifactor model.

Hugo Lopez is a financial advisor at Lighthouse Advisory Services, Inc. with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Fortune Financial Services, Inc. and Seaside Advisory Services, Inc. Lopez also operates as an independent insurance agent. Lighthouse Advisory Services provides portfolio management, financial planning, and pension consulting to individuals and pension and profit-sharing plans, including 401(k) sponsors. The firm emphasizes non-discretionary portfolio management and offers participant education programs and group seminars focused on enrollment, investment choices, and ERISA 404(c) compliance.

Hi, I’m Alan Nelson, Founder of Measured Money Maneuvers. My “money” story began many years ago with my decision to enlist in the Navy. At the time, I was independent and living on my own, attending community college and working full-time to make ends meet, but was not really sure what I wanted to do with my life, and didn’t want to get shackled into a ton of student loan debt and paying it off into my 30s and 40s. So, I raised my right hand and took the oath with the goals to serve our country, learn valuable skills, hopefully figure out what I wanted to pursue in life, and get my college education paid for…or at least get the GI Bill to assist with college later. Like many young enlisted starting out, in the first two years, my two roommates and I were fooled by the predatory insurance salesman and purchased a whole life policy as an “investment” with the promise of the “guaranteed” 7% rate of return. Thankfully, we had some senior enlisted leaders that knew better and told us to get out of it immediately before the 30-day window closed and we’d have had to pay a huge surrender fee to get out. This was my initial wake-up call that I needed to learn more about personal finance and investing. I was fortunate to earn a commissioning program within a couple years and while I initially thought I’d transition out in 6-8 years, I went on to serve a 25-year career as a submarine officer. As a young junior officer, I wanted to help my Sailors holistically – professionally, personally and of course, financially. Many young service members make poor early financial decisions that can take them years to recover from due to: 1) lack of financial literacy, 2)having their own paycheck for the first time in many cases and, 3) being the target for many unprincipled salespeople. Despite also working at an innovative high-tech company with brilliant engineers, I realized quickly these highly-educated people still didn’t know much about personal finance. People asked how I knew so much, so I offered an initial lunch and learn. The feedback was so positive and by the second seminar, it became undeniably clear that helping people with money to live their best life was my passion and I knew I needed to earn my credentials as a CERTIFIED FINANCIAL PLANNER™ Professional. While I will continue to educate, I realized that I could truly help more people by starting my own fee-only, fiduciary registered investment advisor (RIA) firm, Measured Money Maneuvers LLC.

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.