I am not your typical financial advisor. You probably won’t find me in a suit; I don’t use many fancy words, and I’m not a slick salesperson. I enjoy surfing, being outdoors, running around the house with my two kids, and I also happen to be a CERTIFIED FINANCIAL PLANNER™ with a master’s degree in finance and tax planning. I’m a bit of a geek when it comes to all things money and can nerd out about everything from credit card points to macroeconomics, but I also love grabbing a drink and hearing about what’s happening in your life or chatting about common hobbies—I have a lot of them. Discussing money is very personal, and I want to be the guy you can trust to get an honest answer or perhaps explain the “how-to” without fear of judgment. I don’t believe there’s such a thing as an embarrassing question when it comes to personal finance because, let’s face it, the world of money is complicated, exhausting, and confusing. I take my fiduciary duty very seriously and believe that transparency is key. If you can commit to honesty, trust, and patience, I can help you navigate a path toward freedom and success, however you define them. Services I Provide: • Financial Planning • Investment Management • Tax Planning Specialties: • Growing families • California residents • Employees in tech • Physicians • Employees in energy/oil & gas • Socially Responsible Investing (Broad ESG)

John Bracken is the sole advisor at 4LB Investments, LLC in San Diego, CA, holding a Series 66 designation with 17 years of industry experience. He has managed 4LB Investments since its founding in 2002. 4LB Investments provides investment advice and discretionary portfolio management primarily to individuals, trusts, and estates, focusing on U.S.-listed equity securities. The firm employs a value-investing approach based on fundamental analysis and tailors portfolios to client preferences, occasionally utilizing option strategies for approved accounts.

Jonathan Grannick is the principal and sole advisor at Wonder Wealth LLC in San Diego, CA. He holds the CFP® designation and has four years of industry experience. In addition to his advisory role, he operates Virtual Para Planning, providing paraplanning support to financial planners. Wonder Wealth LLC serves individual clients, including higher net worth individuals, offering holistic financial planning, project-based engagements, and discretionary investment management. The firm primarily uses diversified portfolios composed of low-cost index funds and ETFs, applying fundamental analysis in portfolio selection and monitoring under limited discretionary authority.

Craig Castanos is a financial advisor with Craig V. Castanos CPA in San Diego, CA, holding the CFP® designation along with Series 63 and Series 65 licenses. He has 16 years of industry experience, including roles at Manning Wealth Management, Inc. and Commonwealth Financial Network. Outside of his advisory work, he provides tax and accounting services as a licensed CPA and is also involved in fixed insurance sales. His firm offers financial planning services primarily for individuals, high-net-worth clients, and corporate pension and profit-sharing plans. The firm focuses on tailored written financial plans and consultative analyses without managing client securities or exercising discretionary trading authority, with ongoing services provided under additional agreements.

Herman Monge is a Series 65 licensed financial advisor with nine years of industry experience. He is the principal of H H Financial Consultants in San Diego, CA. In addition to his advisory role, Monge has worked for over two decades as an appraiser and broker specializing in real estate, business entities, and machinery and equipment through his ownership of H H Appraisal and Brokerage Company. H H Financial Consultants provides investment supervisory services and general investment advice to individual clients without discretionary authority or custody of assets. The firm employs charting, fundamental, and technical analysis methods, conducting monthly account reviews, and its advisory services are complemented by Monge’s ongoing appraisal and brokerage activities.

John Mc Carthy is the sole advisor at Basis Point Investments in San Diego, CA, holding Series 63 and Series 65 credentials with four years of experience in the financial industry. He has managed McCarthy MRO, Inc., a sales and marketing business focused on manufacturer representation in the maintenance, repair, and operations sector, since 2007. Basis Point Investments provides investment management and consulting services primarily to retirement plans and institutional clients, as well as financial planning and investment services to individuals and high-net-worth clients. The firm employs a non-discretionary approach using a range of portfolios constructed through fundamental analysis and independent research, with customizable solutions for plan sponsors and participant education offerings.

Joshua Carr is a financial advisor at Vallon Capital LLC with five years of industry experience and a Series 65 designation. He has been with Vallon Capital Advisors since 2020 and also serves as CFO of Sierra Land Group, a hospitality and real estate company with assets across several states. Vallon Capital LLC provides discretionary portfolio management and investment advice to accredited and qualified investors, managing accounts with a range of securities including equities, options, and fixed-income instruments. The firm operates solely under Mr. Carr’s management and permits client-directed brokerage and written investment restrictions.

Sean Chung is a financial advisor at Savy Wealth Advisors, Inc with four years of industry experience. He holds the Series 65 designation and previously worked five years at TruFinancial Registered Investment Advisory Services, Inc. In addition to his advisory role, he is an independent property and casualty insurance agent. Savy Wealth Advisors provides individualized investment management to individuals, high-net-worth clients, and businesses. The firm employs a Modern Portfolio Theory-based approach with passive allocations alongside fundamental and technical analysis, managing accounts on a discretionary or non-discretionary basis.

Rainier Trinidad is a CFA® charterholder and the sole advisor at Parabolic Asset Management LLC in Coronado, CA, with 14 years of industry experience. He has led Parabolic Asset Management since 2014. Parabolic Asset Management provides advisory services to individual and high-net-worth clients, offering discretionary portfolio management, financial planning, and estate-planning support through a third-party service. The firm employs a combination of technical, fundamental, cyclical, and quantitative analysis, along with modern portfolio theory, to create tailored investment strategies that may include the use of derivatives, leverage, and both long- and short-term positions.

David Marchesani is a CFA® charterholder and holds a Series 66 license with 11 years of industry experience. He has been the sole advisor at Iapetus Capital, Inc. since 2015, based in San Diego, CA. Iapetus Capital provides discretionary investment supervisory and portfolio management services to individuals, high-net-worth clients, foundations, and endowments, primarily through separately managed accounts. The firm employs a fundamental, long-term growth investment approach focusing on free cash flow and intrinsic value, and it is notable for its explicit use of derivatives and options strategies within client portfolios.

Donald Haskell is a financial advisor with Santa Fe' Wealth Management in San Diego, CA, holding the ChFC® designation along with Series 63, 65, and 66 licenses. He has 48 years of industry experience and has served in roles including Managing Director at Xnergy Financial, LLC. Outside of his advisory work, Mr. Haskell is a licensed insurance agent and real estate broker in California. Santa Fe' Wealth Management provides comprehensive financial planning, investment supervisory services, and pension consulting to individual clients and pension or profit-sharing plans. The firm focuses on written financial plans and primarily non-discretionary portfolio management, using mutual funds, equities, ETFs, bonds, and other instruments while maintaining regular account reviews and ERISA-compliant pension services.

Jose Armenta is a financial advisor at Create Your Path LLC in Bonita, CA, holding CFP® and ChFC® designations as well as a Series 65 license, with five years of industry experience. He has previously worked at several firms including Capital Financial Consultants Group and Andrew McCuen CPA & Associates. Outside of his advisory role, he manages rental property. Create Your Path LLC offers comprehensive financial planning and portfolio management services primarily to individual clients, with a focus on federal retirement and employee benefits. The firm employs a modern portfolio theory-based investment approach using passive strategies and provides educational resources such as an online Federal Retirement Academy and a subscription community.

I’m a Chartered Financial Analyst® Charterholder, CERTIFIED FINANCIAL PLANNER®, and IRS Enrolled Agent (EA) with more than a decade of experience helping clients build, preserve, and transfer wealth with confidence. At Oak Summit Wealth Management, I specialize in advanced tax planning, investment management, and comprehensive financial strategies for retirees, widowers, inheritors, and business owners. With a deep background in taxation as an Enrolled Agent, I’m able to design personalized plans that not only help grow your assets, but also aim to significantly reduce taxes over your lifetime — helping you keep more of what you’ve earned or inherited. Before Oak Summit, I gained valuable experience at a $100B+ registered investment advisory firm and a $4B+ wealth management firm, where I worked with high-net-worth individuals and families facing complex financial transitions. I now bring those institutional-level strategies to a more personal, boutique planning experience. I earned my undergraduate degree in Economics from the University of California, Berkeley, where I continue to stay involved as an alumni ambassador. I’m also a contracted by NerdWallet as an expert content reviewer, helping ensure financial education is accessible and accurate nationwide. In 2025, I was honored to be named a 5-Star Financial Planner by InvestmentNews.com. Outside of work, I live in San Diego with my wife, Susannah. ‍My mission is simple: To help you make wise financial decisions — whether you're retiring, navigating a loss, managing a new inheritance, or growing your business — with strategies built around tax-efficiency, personal values, and long-term security.

Steven Farrington is a CFP® professional with 17 years of industry experience, operating as the sole advisor at ESI Financial Services, Inc. in La Mesa, CA. In addition to his advisory role, he owns a CPA practice, integrating tax preparation and planning services into his financial planning engagements. ESI Financial Services, Inc. provides comprehensive financial planning, tax, and investment advisory services to individuals, families, small businesses, and related entities. The firm employs a functional asset-allocation approach with a generally passive investment philosophy, focusing on no-load index funds, ETFs, and fixed-income securities, and maintains a small client roster with non-discretionary, fee-only services.

Daniel Downey is a financial advisor at Determined Advisors LLC in San Diego, CA, holding a Series 65 license with three years of industry experience. He previously worked at Aristotle Credit Partners, LLC and Charles Schwab Investment Management, Inc. before founding his current firm. Determined Advisors provides financial planning and portfolio management services to individual and high-net-worth clients, focusing on retirement, estate, tax-aware planning, and other specialized areas. The firm uses a Core + Satellite investment approach combining passive and active strategies, emphasizing fundamental analysis and tax efficiency.

Kevin Clewley is a financial advisor at K. D. Clewley Capital Management in San Diego, CA, with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has been with his current firm since 2006. K. D. Clewley Capital Management provides discretionary portfolio management to individuals, trusts, profit-sharing plans, businesses, and other institutions. The firm employs a macro-timing investment approach based on forward-looking economic indicators to adjust equity and government bond exposure, primarily using ETFs, and manages $85 million in assets across 63 client accounts.

Vadim Lyulkin is an investment advisor at The Dean’s List with a Series 65 designation and no prior industry experience. He has been co-CEO and a principal owner of Cardiff, Inc., a small business lender in San Diego, since 2007, where he oversees underwriting and management of loan products. The Dean’s List provides educational content and non-discretionary investment consulting to individual investors, small business owners, and high-net-worth clients. The firm combines top-down macroeconomic and bottom-up fundamental research to inform its portfolio reviews and advisory services, and it offers access to a private investment community along with newsletters and one-on-one consultations.

Charles Manih is a CFA® charterholder and principal of Xpand Investment LLC in San Diego, with three years of industry experience. Before founding Xpand Investment, he lectured at Université La Sagesse and Lebanese International University and worked as a self-employed consultant. He produces educational content, including paid articles on platforms like Seeking Alpha, and offers courses and seminars to clients and external audiences. Xpand Investment LLC provides customized investment management, financial planning, and consulting services to individuals, high-net-worth clients, and small businesses. The firm emphasizes a written Investment Policy Statement and strategic asset allocation, with regular portfolio reviews and client reporting.

Mark Andrews is a CFP® professional with 23 years of experience in financial advising. He has been the sole advisor at Andrews Capital Management, Inc. since its founding in 1995. The firm provides fee-only investment supervisory services and financial planning to individuals, trusts, charitable organizations, and pension and profit-sharing plans. Andrews Capital Management employs a long-term, diversified asset-allocation strategy focused on managing after-tax outcomes and offers discretionary portfolio management alongside periodic performance reporting.

William Beamer is a CFP®, CFA®, and Series 65-registered financial advisor with 22 years of industry experience. He is the principal of Back Nine Financial Coaching LLC in San Diego, CA, where he has worked since 2025. Prior to founding his firm, he held roles at Corient Private Wealth, LLC and Dowling & Yahnke, LLC. Between these positions, he spent a year as a community volunteer following retirement. Back Nine Financial Coaching provides financial coaching, tailored planning, and investment consulting primarily to individuals, high-net-worth families, and related closely held companies. The firm operates on a fee-only basis without custody of client assets, emphasizing evidence-based, globally diversified asset allocation and a business model that uses hourly and fixed annual engagements rather than percentage-of-assets fees.