Winnie Robinson is a Certified Financial Planner (CFP®) with 29 years of industry experience. She has been with Voya Financial Advisors, Inc. since 2016 and is currently based in San Diego, CA. Voya Financial Advisors, Inc. serves a diverse range of clients, including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm provides financial planning, portfolio management, wrap programs, third-party money manager access, and plan-sponsor consulting through multiple program structures, often delivering non-discretionary advice that requires client approval before execution.

Rachel Luken is a CFP® with 23 years of industry experience, currently serving as an advisor at Focus Partners Wealth, LLC since 2025. She previously worked at The Colony Group, LLC and HoyleCohen, LLC and Inc. from 2003 to 2025. Focus Partners Wealth, LLC serves individuals, high-net-worth families, family offices, corporate, and institutional clients with comprehensive wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that combines active and passive strategies, third-party managers, and private funds within an enhanced open architecture framework.

D. Keefe is a financial advisor with Kestra Advisory, holding nearly five decades of industry experience. He has been affiliated with Kestra Advisory since 2016 and operates as a senior advisor at FMS Financial Partners, where he provides consulting on insurance, investments, and tax planning. Kestra Advisory Services offers investment advisory and retirement-plan consulting to a wide range of institutional and individual clients, including plan sponsors. The firm provides services such as fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients that include large institutional investors and sovereign wealth funds.

Gabrielle Watters is a CFP® and holds a Series 65 license with 10 years of industry experience. She has been with Creative Planning since 2021, following several years at Reilly Financial Advisors in various roles from 2015 to 2021. Based in San Diego, CA, she is currently part of a large advisory team at Creative Planning. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, pension plans, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by various specialized investment strategies and private market access.

Brooke Warner is a CFP®, CFA®, and Series 66-licensed financial advisor at Focus Partners Wealth, LLC with 13 years of industry experience. She has worked at several firms, including HoyleCohen, LLC, WheelerFrost-Wealth Managers, Equitable Advisors, and National Planning Corporation. Focus Partners Wealth serves individuals, high-net-worth families, family offices, and institutional clients with wealth management, advisory, and financial planning services. The firm employs a long-term, tax- and fee-sensitive investment approach using a blend of active and passive strategies, third-party managers, and private funds.

John Doney is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 credentials and eight years of industry experience. He previously worked at Intervest International Equities Corp for five years and served in the United States Navy from 1989 to 2018. Outside of his advisory role, he operates a consulting business providing expert advice and assessments to U.S. military and government clients. Kestra Advisory Services offers investment advisory and retirement-plan consulting to plan sponsors, institutional, and individual clients. The firm provides fiduciary services, plan design, employee education, and access to multiple management platforms, serving a diverse client base that includes large institutional investors such as sovereign wealth funds.

Jacob Berman is a financial advisor at Principal Financial Services with Series 63 and Series 65 licenses and one year of industry experience. Prior to joining Principal, he held various roles including positions at Principal Life Insurance Company and Chico Elks Lodge. Outside of his advisory work, he also works part-time as a bartender. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

John Lord is a CFP® and CFA® credentialed advisor with 27 years of industry experience. He has worked at Independent Financial Group, LLC since 2013 and previously spent nine years at Hornor, Townsend & Kent, LLC. Outside of his advisory role, he holds a 50% ownership interest in a restaurant in San Diego. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, and corporate plans. The firm offers financial planning, portfolio management, and retirement plan services using a mix of firm- and third-party models with both passive and active investment approaches.

Philip Hoffnagle is a financial advisor at TIAA-CREF with 14 years of industry experience. He holds Series 63 and Series 66 credentials. Prior to joining TIAA-CREF in 2023, he worked at JPMorgan Chase Bank and JPMORGAN Securities for seven years. TIAA-CREF Individual & Institutional Services provides financial planning and managed account programs to individuals—often those connected through employer retirement plans—as well as trusts, estates, and small retirement plans. The firm features a fiduciary-advised model with discretionary management options and serves as adviser to a donor-advised fund sponsored by Charityvest.

David McLenachen Jr. is a financial advisor with United Planners' Financial Services of America, holding Series 63 and Series 65 licenses and over 34 years of industry experience. He has been president of McLenachen Financial, Inc., a firm involved in tax preparation, accounting, and bookkeeping services since 2010, and has been actively engaged in investment-related advisory and insurance activities since the early 1990s. United Planners Financial Services is a national wealth-management enterprise serving individual investors, retirement plans, corporations, trusts, estates, and other institutional clients through a network of independent Investment Adviser Representatives. The firm offers a combination of advisory and brokerage services and is notable for its limited-partnership ownership structure and focus on largely non-discretionary asset management.

Phuong Paik is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. She has been with Transamerica since 2012 and also operates Uyen Phuong Pham Paik Tax Preparation, a tax preparation business she owns. Additionally, she is involved with F3 Insurance Services LLC and works as a health insurance agent. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a broad client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm utilizes model portfolios and third-party managers to implement its advisory model and supports clients through multiple program platforms such as Transamerica ONE and the TFA365 Advisory Program.

Andre Tueros is a CFP® and holds a Series 66 license. He is currently with Focus Partners Wealth, LLC and has experience across several firms including Corient, Equitable Advisors, Mercer Advisors, and roles in education and service industries. He has been in the financial industry since 2023. Focus Partners Wealth serves individuals, high-net-worth families, family offices, corporate, and institutional clients with a range of wealth management and advisory services. The firm employs a long-term, tax- and fee-sensitive investment approach that blends active and passive strategies, incorporating both quantitative and fundamental analysis along with specialized tools and legacy strategies.

Miralia Pacheco is a financial advisor with VOYA Financial Advisors, Inc. She holds Series 65 and Series 63 licenses and has 28 years of industry experience. Her prior roles include positions at Reliastar and as an independent insurance agent. She is also involved in the sale of fixed insurance products through an independent insurance agency. VOYA Financial Advisors serves a diverse client base including individual and institutional clients, offering services such as financial planning, portfolio management, and retirement plan consulting. The firm provides advice primarily through non-discretionary arrangements and operates both as an SEC-registered investment adviser and a broker-dealer.

Jacob Gedis is a financial advisor at Valic Financial Advisors with six years of industry experience. He holds a Series 66 designation and has worked previously at Fidelity Investments and Northwestern Mutual. Outside of his advisory role, Gedis serves on the board of the Little Italy Association in San Diego, where he assists with fundraising and local business outreach for community projects. Valic Financial Advisors primarily serves U.S. individuals, including high net worth clients and employer-sponsored retirement participants, offering portfolio management and financial planning through a large network of advisors. The firm uses discretionary unified managed accounts with access to third-party models and overlays, operating at scale with over 1,200 advisors and approximately $29.2 billion in assets under management.

Alan Goldberg is a financial advisor at Citigroup Global Markets with 45 years of industry experience. He has been with Citigroup since 2007 and holds Series 63 and Series 65 designations. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering a broad range of investment advisory programs and broker-dealer execution and custody services. The firm employs multi-asset, multi-manager strategies and maintains significant in-house research and market roles, combining large institutional scale with specialized market functions.

David Krakauer is a CFA® charterholder with 10 years of industry experience. He is currently with Mercer Global Advisors Inc. in San Diego, where he has worked since 2022. His prior experience includes roles at Epstein & White Retirement Income Solutions and Altegris Investments LLC. Mercer Global Advisors provides investment advisory and planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofits. The firm’s investment approach is based on Modern Portfolio Theory, focusing on globally diversified, risk-appropriate portfolios with strategic use of low-cost index vehicles and tax management.

Joseph Davies is a CFP®-certified financial advisor with one year of industry experience, currently with Wealth Enhancement Advisory Services, LLC. His prior experience includes roles at LPL Financial LLC, Merrill Lynch, and various entrepreneurial and investment-related positions. Wealth Enhancement Advisory Services manages over $122 billion in assets and provides financial planning, asset management, retirement-plan consulting, and referrals to separate managed account managers for individuals, high-net-worth clients, corporations, and retirement plans. The firm emphasizes diversified, risk-class based allocations combining passive and active management, supported by an internal Investment Committee.

Jan Rogers is a financial advisor at Cetera Planning Partners with 26 years of industry experience. She holds a Series 66 designation and has previously worked with firms including Avantax Planning Partners and First Allied Advisory Services. Cetera Planning Partners serves individual and high-net-worth clients, focusing on pre-retirees and retirees by providing investment management, comprehensive financial planning, Social Security optimization, and retirement-related advice. The firm offers additional services such as tax planning, bookkeeping, payroll support, and estate planning through third-party providers, using a diversified investment approach tailored to client objectives and risk tolerance.

Saahil Jain is a financial advisor at TIAA-CREF with 11 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Morgan Stanley and E*TRADE Capital Management. Outside of his advisory role, he serves as Vice President of the homeowners association board for his condominium community in San Diego. TIAA‑CREF’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and corporate entities, often serving clients with ties to TIAA-administered employer retirement plans. The firm offers model and customized portfolio management under a fiduciary standard within a vertically integrated structure that includes affiliated funds.

David Wohl is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 13 years of industry experience. His previous roles include positions at Northwestern Mutual Wealth Management Company, CUSO Financial Services, and Clinton Cooper. Outside of his advisory work, he serves as a soccer coach for the Associated Students at San Diego State University. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and services, including discretionary model portfolios and personalized investment solutions, while providing operations, technology, compliance, and practice-management support to affiliated advisors.