Stephen Kelly is a CFP® with 10 years of industry experience, currently affiliated with Guardian Life in San Diego, CA. He has worked at Guardian Life and Park Avenue Securities since 2016. Outside of his advisory role, he is involved with Liberty ID, a business focused on identity restoration. Park Avenue Securities LLC, doing business as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers financial planning, retirement plan consulting, and a range of investment advisory programs through proprietary and third-party models.

Jonas Noack is a CFA® charterholder with two years of industry experience. He is currently an advisor at Mercer Global Advisors Inc., where he has worked since 2023. Prior to joining Mercer, he held roles at Northrop Grumman, Meketa Investment Group, and Berkshire Hathaway Homestate Companies. 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 and emphasizes globally diversified, risk-appropriate portfolios using low-cost index vehicles and multi-factor tilts.

Brian Buehring is a financial advisor with D.A. Davidson & Co. in Carlsbad, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with D.A. Davidson since 2017 and previously worked at Nuveen Securities, LLC. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individuals, charitable organizations, and corporations. The firm offers a range of services such as ERISA retirement plan advisory, wrap fee programs, comprehensive financial planning, and a private wealth program for high-net-worth clients, operating under fiduciary standards with both qualitative and quantitative investment analysis.

Mark Welsh is a financial advisor at Integrated Wealth Concepts LLC with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Laurel Wealth Advisors, Inc. since 2011 before joining Integrated Wealth Concepts in 2023. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a large network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, using customized portfolios that combine mutual funds, ETFs, equities, and fixed income with both internally managed and third-party strategies.

Trevor Lattin is a financial advisor at Integrity Alliance, LLC with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with firms including Lion Street, Inc. and Executive Benefit Solutions, where he is also an owner involved in health and life insurance sales. He serves as a board member for Last Race Ranch, a nonprofit organization providing new homes for retired racehorses. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans through a network of 164 independent advisers. The firm offers a range of investment management, financial planning, and retirement consulting services, utilizing multiple platforms and investment approaches tailored to client needs.

Anthony Pavia is a financial advisor at PlanMember Securities Corporation with 35 years of industry experience. He holds a Series 63 designation and has previously worked at Gwn Securities Inc. and operated his own firms, including Pavia Financial Services, Inc. and RetireWell Capital Management. Outside of his advisory roles, he is involved in residential loan brokerage through Pavia Financial Services. PlanMember Securities Corporation provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm uses a top-down strategic asset allocation approach to manage risk-based mutual fund portfolios and offers education and support services to plan sponsors and participants.

Matthew Streeter is a financial advisor at Guardian Life with a Series 66 credential. He has experience working at several firms, including Park Avenue Securities and PBO Advisory Group. Streeter is based in San Diego, CA, and has been with Guardian Life since 2026. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage services, financial planning, retirement plan consulting, and investment advisory programs to individuals, pension and profit-sharing plans, charitable organizations, and corporate clients.

Emily Stevens is a financial advisor at Stratos Wealth Partners, Ltd. with two years of industry experience. She holds a Series 66 designation and previously worked at Charles Schwab & Co, Inc and Charles Schwab Bank, SSB. Stratos Wealth Partners is an SEC-registered enterprise wealth management firm serving more than 24,000 clients with approximately $18.6 billion in assets under management. The firm offers a range of advisor-managed and model-based investment strategies, financial planning services, and retirement plan consulting through an open-architecture platform integrating multiple external providers.

Erick Conway is a financial advisor at Integrated Wealth Concepts LLC with 15 years of industry experience. He holds the CFP® designation and Series 66 license. Prior to joining Integrated Wealth Concepts in 2024, he worked at Von Berge Wealth Management Group, Laurel Wealth Advisors, and Wells Fargo Advisors. He is also an independent insurance agent licensed to sell life, accident, and health insurance products. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, utilizing customized portfolios with a long-term investment approach alongside shorter-term trades for rebalancing or cash needs.

Branden Frazier is a Certified Financial Planner® at Creative Planning with 18 years of industry experience. He has been with Creative Planning since 2012. Based in San Diego, CA, he is part of a large advisory team serving a diverse client base. Creative Planning provides investment advisory and financial planning services to individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in client assets and emphasizes a financial planning-led investment process that includes low-cost indexing, buy-and-hold strategies, and supplemental approaches such as direct indexing and tax-loss harvesting.

Mike Batista is a CFP® with 24 years of experience in the financial services industry. He has been with Creative Planning since 2015. Based in San Diego, CA, he holds Series 63 and Series 65 licenses. Creative Planning provides investment advisory and financial planning services to a diverse client base, including individuals, corporations, foundations, trusts, and retirement plans. The firm manages approximately $217 billion in assets and emphasizes a financial planning-led investment process that incorporates low-cost indexing, buy-and-hold strategies, and supplemental portfolio management techniques.

Michael Lucia is a ChFC® credentialed financial advisor with 33 years of industry experience. He has worked at Integrity Alliance, LLC since 2018 and previously spent nine years at H. Beck, Inc. Outside of advisory work, he manages a business related to his daughter's dance career through Sophia Lucia, LLC. Integrity Alliance serves a diverse client base including individuals, charitable organizations, corporations, and retirement plans. The firm provides continuous asset management, financial planning, and retirement consulting through a network of 164 independent advisers, employing a range of portfolio management strategies and offering access to multiple custodial platforms and third-party programs.

Carmen Benedetti is a financial advisor at Hightower Advisors with one year of industry experience. She holds a Series 66 designation and has prior work experience with Frozen Ropes and the Houston Astros. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach includes discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting, utilizing a combination of affiliated and third-party managers as well as proprietary research and multi-manager solutions.

Gary Hirschfeld is a financial advisor at Hightower Advisors with eight years of industry experience. He holds a Series 65 credential and has worked at Hightower Advisers, LLC since 2019 and at Delphi Private Advisors since 2015. Based in San Diego, CA, his background spans multiple advisory roles. Hightower Advisors provides investment advisory and planning services to a broad range of individual and institutional clients, delivering solutions that include discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting. The firm's approach emphasizes manager selection and multi-manager solutions, utilizing affiliated and third-party managers alongside proprietary research and a variety of investment vehicles.

Richard Love II is a financial advisor with Principal Financial Services based in Carlsbad, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. His career includes roles at Kepha Wealth and Benefits Management, WestCorp Financial and Insurance Services, and Principal-affiliated companies. Outside of financial services, he is involved in equipment sales through Lionheart Enterprises, selling dash cams and solar generators. Principal Financial Services provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers direct advisory programs, financial planning, and access to third-party money managers under various arrangements.

Jarrod Hendricks is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. His prior work includes roles at Jerome C. Price and operating his own firms such as Hendricks Financial and Jb Hendo. He is involved in estate planning referrals through affiliated entities like Inherit Guard and LSPN Pro. Transamerica Financial Advisors serves a diverse client base, including individual investors, pension plans, trusts, and corporations, offering both advisory and broker-dealer services. The firm delivers advice through proprietary and third-party model portfolios, with discretionary and non-discretionary program options.

Steven Rubinstein is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and 17 years of industry experience. He previously worked at Sagepoint Financial Inc. for 16 years and has more recently been affiliated with OSAIC and Terramar Wealth. Rubinstein serves on the Investment Review Board for the City of Carlsbad, CA. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a variety of advisory programs and services, providing operations, trading, technology, investment management, compliance, and practice-management support to affiliated advisors.

Ashkan Ghahremani is a financial advisor with Primerica Advisors based in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has worked at Park Avenue Securities and Guardian Life Insurance Company since 2015. Outside of his advisory role, he is involved with Disaster Pro, LLC, a public adjusting business assisting clients with insurance claims. Park Avenue Securities serves a diverse retail client base, offering both brokerage and advisory services along with financial and business consulting. The firm employs a combination of proprietary and third-party investment strategies and supports various account-level services including lending and donor-advised funds.

Walter Hansch is a financial advisor with Independent Financial Group, LLC, based in Solana Beach, CA. He holds a Series 63 designation and has 40 years of industry experience. Prior to joining Independent Financial Group in 2017, he worked at Cetera Advisor Networks LLC and has operated Hansch Financial Group since 2014. Outside of his advisory role, he is a licensed California real estate agent and insurance agent, and provides tax planning consulting services. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, high-net-worth clients, trusts, corporations, business owners, and plan sponsors. The firm offers a range of investment advisory programs, financial planning, and retirement plan services, utilizing both in-house and third-party asset management solutions.

Nathan Hartman is a CFP® certificant based in San Diego, CA, with 22 years of experience in the financial services industry. He has worked at firms including The Vanguard Group, LPL Financial, Fidelity Investments, and currently Schwab Wealth Advisory. Outside of his advisory role, he co-owns an LLC focused on golf-related ventures in a developmental phase. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice through the Schwab Wealth Advisory program, delivering portfolio recommendations based on standard asset allocation models and research tools. The firm serves individual clients with annual reviews and planning discussions, with final investment decisions made by clients rather than through discretionary management.