Tina Huston is a CFP® professional with 36 years of industry experience, currently affiliated with Commonwealth Financial Network since 2009. She also serves as president and owner of PH Financial Services Inc., which operates as JM Financial Strategies, offering tax preparation services in addition to her advisory work. Huston holds Series 63 and Series 66 licenses and is based in San Diego, CA. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors with a range of advisory programs, wealth management, and retirement plan consulting services. The firm acts as a back-office and platform provider, delivering operations, trading, technology, compliance, and practice-management support while allowing advisors discretion in portfolio construction.

Eric Davis is a CFP® and holds a Series 65 license with five years of industry experience. He is currently with Focus Partners Wealth, LLC and has previously worked at The Colony Group, LLC, HoyleCohen, LLC, Davis & Seiley Wealth Management, Inc., and Capital One Financial Corp. Focus Partners Wealth, LLC provides wealth advisory and investment management services to individuals, families, institutions, and businesses with a long-term investment approach that emphasizes tax- and fee-sensitivity within an enhanced open architecture framework combining active and passive strategies. The firm offers a broad range of services including portfolio management, financial counseling, family office services, employee benefit consulting, and tax compliance, and is noted for its subscription newsletter and affiliations with pension consulting and insurance solution providers.

Chad Lafauci is a financial advisor at Commonwealth Financial Network with 26 years of industry experience. He has been with Commonwealth since 2000 and holds Series 63 and Series 65 designations. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm provides a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Timothy Garcia is a financial advisor at Guardian Life with five years of industry experience. He holds a Series 66 designation and previously worked at CUSO Financial Services, MML Investors Services, and MassMutual Life Insurance Company. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage, financial planning, and retirement consulting services to individuals, pension plans, charitable organizations, and corporate clients, offering a range of advisory programs that include proprietary and third-party model portfolios.

James Amerman is a CFP®-certified financial advisor with 10 years of industry experience, currently with First Command Advisory Services. His prior roles include positions at Fortress Wealth Management, Westmount Asset Management, and Precision Roth Conversion. He is also an instructor for the California Society of CPAs, where he creates educational content on Roth strategies and engages with participants during quarterly sessions. First Command Advisory Services serves individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers comprehensive financial planning and multiple wrap-fee asset management programs managed centrally by an Investment Management Team and Wealth Portfolio Managers.

Janet Kohrmann is a CFP®-certified financial advisor with 17 years of industry experience. She currently works at Farther Finance Advisors and previously held roles at Goldman Sachs PFM and United Capital Financial Advisers, LLC. Farther serves individual investors, trusts, and estates through a technology-driven advisory platform combined with direct client meetings. The firm employs an investment approach based on Modern Portfolio Theory, utilizing bespoke allocations and proprietary algorithmic model portfolios with automatic rebalancing, focusing primarily on ETFs, mutual funds, individual equities, and fixed income.

Shannon Clancy is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and based in Coronado, CA. Clancy has been involved in business activities including leadership roles at Plan to Prosper and the Coronado Historical Association. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing around $212.7 billion in client assets. The firm provides a broad adviser-support platform with multiple managed-account programs, third-party asset manager access, and custody and clearing services.

Mark Nguyen is a financial advisor at First Command Advisory Services with one year of industry experience. He holds Series 63 and Series 65 licenses. Outside of his advisory role, he serves as the Chief Financial Officer for Legendary Lion Dance, a community nonprofit organization managing payments, expenses, and tax filings. First Command Advisory Services is an SEC-registered firm serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and wrap-fee asset management programs using model portfolios managed by a centralized Investment Management Team and Wealth Portfolio Managers.

Sibi Joseph is a financial advisor with Transamerica Financial Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. He has been with Transamerica Financial Advisors since 2015 and is also involved with Legacy Shield, providing wills and trusts services to assist clients with estate planning. Additionally, he serves as a college consultant with the Heartland Institute of Financial Education, referring clients to college planning services when relevant. Transamerica Financial Advisors serves a diverse client base that includes individual investors, pension plans, trusts, estates, charitable organizations, and corporations. The firm offers a mix of advisory and broker-dealer services, utilizing proprietary and third-party model portfolios with both discretionary and non-discretionary program options.

Alexandra Sonnenberg is a CFP® professional with six years of industry experience, currently serving at Commonwealth Financial Network since 2024. Her prior experience includes roles at Cambridge Investment Research Advisors, Inc. and Foresters Financial Services. She is also involved in fixed insurance sales in San Diego. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a national network of approximately 2,900 advisors, offering a broad range of managed-account programs, third-party asset manager access, and custody services.

Daniel Umansky is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 63 designation and 34 years of industry experience. His prior experience includes roles at Cetera and First Allied firms from 2014 through 2025. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base, including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm offers financial planning, asset management, and specialized retirement consulting, utilizing a strategic investment process that combines passive and active management with quantitative and fundamental research.

Thomas Faley is a financial advisor at &PARTNERS with 24 years of industry experience. He holds the Series 66 designation and previously worked for Wells Fargo Clearing and Wells Fargo Advisors, LLC. &PARTNERS serves a diverse range of clients, including individual and institutional investors such as retirement plans, charitable organizations, and sovereign wealth funds. The firm offers both investment advisory and brokerage services, employing a variety of portfolio management strategies through platforms like Envestnet and utilizing a combination of proprietary and third-party solutions.

Kurt Eakin is a CFP® with 26 years of industry experience, currently serving as an advisor at Kestra Advisory. He previously spent 13 years at Commonwealth Financial Network. Outside of his advisory work, he is the owner and president of Coastal Life Ventures Inc., a firm involved in investment management and financial planning. Kestra Advisory provides investment advisory and retirement-plan consulting services to plan sponsors and a broad mix of institutional and individual clients, offering fiduciary consulting, plan design, employee education, and access to multiple management platforms and third-party solutions. The firm manages approximately $79.8 billion in assets and serves a diverse client base, including large institutional investors such as sovereign wealth funds.

Mark Ruffo is a financial advisor with Transamerica Retirement Advisors, LLC based in San Diego, CA. He holds Series 63 and Series 66 licenses and has 28 years of industry experience. His career includes roles at Lincoln Financial and TD Ameritrade. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners through programs focused on asset allocation and retirement guidance, utilizing Morningstar Investment Management for portfolio construction and oversight.

Jeremy Gonzalez is a financial advisor at TLG Advisors, Inc. with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Forthright Capital Partners, Forthright Capital Advisory, and Alpha Global Investments. Outside of his advisory roles, he serves as president of Alpha Global Investments and is also an independent insurance agent. TLG Advisors, Inc. manages approximately $2.0 billion in discretionary client assets and serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors. The firm offers investment supervisory and portfolio management, financial and estate planning, ERISA fiduciary services, and a direct-to-consumer program called Starlight Portfolios, combining fundamental analysis and Modern Portfolio Theory with a platform that integrates traditional and nontraditional client services.

Wang Liao is a financial advisor with HSBC Securities (USA) Inc. based in San Diego, CA. He holds the CFA® designation and Series 66 license, and has eight years of industry experience. His work history includes roles at HSBC Private Banking and HSBC Securities (USA) Inc. since 2017, as well as prior positions at Abroad Intellect, Inc. and DLD Asset Management, Lp. HSBC Securities (USA) Inc. offers managed account programs to a diverse client base including individuals, retirement accounts, charitable organizations, and corporations. The firm provides a range of program types combining client-directed and discretionary management, utilizing strategic and tactical asset allocation with oversight from affiliated and third-party providers.

Robert Mccauley is a financial advisor with Citigroup Global Markets holding Series 63 and Series 66 credentials and three years of industry experience. He has worked at Fidelity Investments and Citi, among other roles prior to his current position. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research and operating as a swap dealer and futures commission merchant.

Jenny Cao is a financial advisor at Transamerica Financial Advisors with eight years of industry experience. She holds Series 63 and Series 65 credentials and has a background that includes roles at Pavilion Surgery Center and ongoing work with F3 Insurance Services LLC. Outside of financial advising, she is a registered nurse at St. Joseph Hospital, where she has worked since 2001. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services through proprietary model portfolios and third-party managers, with program options that can be discretionary or non-discretionary.

Stephanni Sharp is a financial advisor with Commonwealth Financial Network in San Diego, CA, holding Series 63 and Series 65 licenses and having 10 years of industry experience. She previously worked at Independent Financial Group from 2016 to 2021 before joining Commonwealth in 2021. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing about $212.7 billion in client assets. The firm offers a broad adviser-support platform including discretionary and nondiscretionary managed-account programs, access to third-party asset managers, and custody/clearing services.

Gabriel Adams is a CFP® and holds a Series 66 license with 10 years of industry experience. He has worked at Creative Planning since 2021 and previously held positions at Reilly Financial Advisors, WCG Wealth Advisors, Beta Wealth Group, and Epstein and White Financial. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.