Scott Heising is a financial advisor at Independent Financial Group, LLC with 30 years of industry experience. He holds a Series 65 designation and has worked with Advisors Edge Securities LLC since 2005. He also serves as president of Independent Financial Group, Inc., a related insurance holding company. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement plan services through a national network of advisors and utilizes multiple advisory platforms and third-party asset managers.

Jeffrey Gohsler is a CFP® and CFA® affiliated with Corient, bringing 13 years of industry experience. He has worked at Dowling & Yahnke, LLC from 2007 to 2023 before joining Corient and its affiliated entities in recent years. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach combining in-house strategies with third-party managers and employs risk management tools and stress testing to align portfolios with client objectives.

Daniel Quirk is a CFP® and CFA® with 17 years of industry experience. He currently serves as an advisor at Creative Planning and has previously worked at Cetera Advisor Networks. Quirk is also a member of the Del Mar City Council. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a broad client base, including high-net-worth individuals, institutions, and corporations. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Jeremy Laub is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 credentials and 26 years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, Commonwealth Financial Network, and Monarch Retirement Group. Outside of finance, he performs live music and works as a handyman. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement services through a national network, utilizing multiple advisory programs and third-party managers to implement client investment profiles.

Savannah Guy is a CFP® professional affiliated with Corient, with three years of industry experience. She has held roles at Corient and Dowling & Yahnke, LLC, as well as Bank of America Private Bank. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporations. The firm uses a goals-based, team investment approach that integrates in-house security strategies with third-party manager solutions and customized asset allocation.

Marko Zivic is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 66 designation and bringing 12 years of industry experience. His work history spans multiple roles with both Guardian Life Insurance Company and Park Avenue Securities since 2016. Outside of his advisory role, he owns Zjiveli LLC, which focuses on personal taxes and cash flow organization. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a dually registered broker-dealer and SEC-registered investment adviser serving individuals—including high-net-worth clients—pension and profit-sharing plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, retirement plan consulting, and a range of investment advisory programs.

Paul Cotofana is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and 16 years of industry experience. He previously worked at SagePoint Financial and SagePoint Financial, Inc. from 2009 to 2021 before joining Independent Financial Group in 2021. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement plan services, utilizing platforms such as AccessPoint and third-party asset managers, with approximately $11.3 billion in regulatory assets under management.

Michael Winaker is a financial advisor at Hightower Advisors with five years of industry experience. He holds the Series 63 and Series 65 licenses and previously worked at UBS Financial Services and Centaurus Financial Inc. Winaker studied at Pepperdine University from 2018 to 2022. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individual and institutional investors. The firm’s approach centers on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, with services that include portfolio management, financial planning, and retirement plan consulting.

Terrance Arges is a financial advisor with Integrated Wealth Concepts LLC, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has previously worked with Laurel Wealth Advisors, Raymond James Financial Services, Mission Federal Credit Union, and CUSO Financial Services. Mr. Arges is also a licensed insurance agent in California, authorized to solicit and sell annuity contracts. 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, and family office services, utilizing customized portfolios with a primarily long-term investment approach.

Timothy Wheelwright is a CFP® credentialed financial advisor with Corient, based in San Diego, CA, and has three years of industry experience. His work history includes roles at Corient, Dowling & Yahnke, LLC, and involvement with Albion SC San Diego and La Roca FC. Corient provides investment advisory and financial planning services to a diverse client base including individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach that integrates both in-house and third-party strategies, with ongoing portfolio monitoring and risk management.

Carsten Lester is a CFP® with two years of industry experience, currently serving at Corient in San Diego, CA. His work history includes roles at Dowling & Yahnke, LLC and Axos Bank. Corient provides investment advisory and financial planning services to a broad client base, including individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach that incorporates in-house strategies along with third-party managers, employing risk management tools and alternative investment options where appropriate.

Rochelle Sanchez is a financial advisor with Ameritas Advisory Services, LLC, holding Series 63 and Series 66 licenses and 14 years of industry experience. She previously worked at US Bancorp Advisors LLC and Union Bank, with a combined tenure of 24 years. Sanchez is also involved in BOOM Planning / Canvas Financial, providing investment services and advising outside her primary firm role. Ameritas Advisory Services offers fee-based investment management, financial planning, and retirement-plan advisory services to individual, corporate, and institutional clients. The firm employs a platform approach that includes in-house and third-party model portfolios, discretionary and non-discretionary programs, and integration with Ameritas affiliates.

Tyler Morris is a financial advisor at Stratos Wealth Partners, Ltd with 14 years of industry experience. He holds the Series 66 designation and has been with Stratos since 2015. Prior to his current role, he worked at LPL Financial from 2015 to 2019. He is also the founder of BWM Financial, a separate financial planning and wealth management business based in San Diego. Stratos Wealth Partners provides advisory services to a diverse client base, including individuals, trusts, charitable organizations, corporations, and retirement plans. The firm offers an open-architecture Strategic Wealth Management platform that supports both advisor-managed and model-based portfolios, emphasizing active monitoring and asset allocation across multiple custodians.

Harvey Atterbury is a financial advisor with PlanMember Securities Corporation, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has worked with PlanMember since 2009 and also serves as president of Atterbury Investment Management, Inc., a firm offering financial services including securities and insurance. Outside of his advisory roles, he is the leader of a musical band. PlanMember provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through risk-based mutual fund portfolios. The firm uses a top-down strategic asset allocation framework combined with ongoing portfolio monitoring and rebalancing to manage its investment approach.

Matthew Belardes is a financial advisor with Independent Financial Group, LLC, holding the CFP® and CFA® designations and possessing 20 years of industry experience. He has worked at Independent Financial Group since 2017 and previously held positions with Wells Fargo Clearing and Wells Fargo Advisors. Outside of his advisory role, he is the owner of Praesidio Estate Planning, providing estate planning advice and document drafting. Independent Financial Group is a large advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers a range of investment advisory programs and financial planning services, utilizing both in-house and third-party model portfolios across multiple investment platforms.

Stuart Kesselhaut is a financial advisor with United Planners' Financial Services of America and holds Series 63 and Series 66 credentials. He has 33 years of industry experience, including roles at Lombardi Group and Financial Resource Network. In addition to his advisory work, he serves as treasurer of the Kesselhaut Family Foundation. United Planners serves a diverse client base including individuals, corporations, charitable organizations, and institutional clients. The firm operates an open-architecture platform with multiple custodians and money managers, offering both fee-based and commission-based options through its network of 477 independent Investment Advisor Representatives.

Kelly Ginsberg is a financial advisor at D.A. Davidson & Co. with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including SA Stone Wealth Management Inc. and Quest Capital Strategies, Inc. Outside of his advisory role, he is involved with San Diego Residential Solutions SRS Inc. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporations. The firm offers a range of services such as ERISA retirement plan advisory, comprehensive financial planning, and a private wealth program for high-net-worth clients, operating under fiduciary standards and employing both qualitative and quantitative analysis.

Anne Mortera is a financial advisor with Private Advisor Group, LLC, holding a Series 66 designation and 13 years of industry experience. She previously worked at FIRST Allied Securities, Inc. for 21 years before joining LPL Financial and Private Advisor Group in 2021. Mortera provides investment advisory services through Private Advisor Group, an independent registered investment advisory firm. Private Advisor Group manages over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, retirement plan consulting, and access to various third-party asset management programs and strategies.

Christopher Syktich is a financial advisor at Osaic Advisory Services, LLC with 20 years of industry experience. He holds Series 65 and Series 63 credentials and has previously worked at Arbor Point Advisors, Securities America, Inc., and Labrum Wealth Management. Syktich serves as board member and secretary for Fig Tree Ministries, which provides faith-based online content, and is also a board member of the Warrior Foundation Freedom Station, supporting military service members through quality-of-life services and transitional housing. Osaic Advisory Services, LLC is an SEC-registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, charitable organizations, and government entities. The firm offers investment management, financial planning, retirement plan consulting, and related services through multiple program models, utilizing a range of proprietary and third-party platforms.

Abhimanyu Vinayek is a financial advisor at Transamerica Financial Advisors with a Series 66 designation and two years of industry experience. His prior roles include positions at firms such as NYLIFE Securities LLC, Eagle Strategies LLC, and Heron Therapeutics Inc. Outside of advisory work, he provides seasonal tax filing assistance. 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 and third-party model portfolios, supporting a range of discretionary and non-discretionary investment programs.