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, currently serving as a financial advisor at Focus Partners Wealth, LLC with one year of industry experience. His prior roles include positions at Corient, Equitable Advisors, Mercer Advisors, and experience in education at San Diego State University and Moorpark College. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, offering a range of services including investment management, financial planning, tax and compliance support, and employee benefit retirement plan services. The firm employs a long-term investment approach with attention to tax and fee sensitivity, utilizing both active and passive strategies along with customized portfolio management.

Miralia Pacheco is a financial advisor with VOYA Financial Advisors, Inc., holding Series 65 and Series 63 licenses and bringing 28 years of industry experience. Her career includes roles at Reliastar and Teachers Financial Services, along with operating independent financial and insurance services since 1996. She also works as an independent insurance agent specializing in fixed insurance product sales. VOYA Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate offering financial planning, portfolio management, and retirement advisory services to individuals, pension plans, charities, and corporations. The firm uses investment policy statements, model portfolios, and a combination of in-house and outside strategists to serve clients through both non-discretionary and discretionary account management.

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.

Thomas Keener is a financial advisor with Guardian Life and Park Avenue Securities, holding a ChFC® designation and Series 63 and 65 licenses. He has 28 years of industry experience. Outside of his advisory role, he is licensed to sell insurance products beyond those offered by Guardian Life. Park Avenue Securities, a subsidiary of Guardian Life, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses, combining advisor-led discretionary management with model-based strategies across proprietary and third-party platforms.

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.

Neva Bradley is a CFP® professional with nine years of industry experience. She is currently with Wealth Enhancement Advisory Services, LLC and has previously worked at The Retirement Group, LLC, CCG Wealth Management, LLC, Capital Stewardship Group, and UBS Financial Services, Inc. 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 plan consulting, utilizing a strategic investment approach that combines passive and active management guided by an internal Investment Committee.

David Krakauer is a CFA® charterholder with 11 years of industry experience. He is currently an advisor at Mercer Global Advisors Inc. in San Diego, CA, where he has worked since 2022. Prior to Mercer, he was with Epstein & White Retirement Income Solutions and Altegris Investments LLC. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, and non-profits by providing investment advisory services alongside financial, tax, retirement, and estate planning. The firm employs a Modern Portfolio Theory-based investment approach with globally diversified portfolios using low-cost ETFs, index funds, separate account managers, and private funds, supported by educational programming and integrated affiliated service lines.

Nebojsa Subotic is a financial advisor with Guardian Life and holds Series 63 and Series 65 designations. He has 22 years of industry experience and has worked with Westpac Wealth Partners, Park Avenue Securities, and Wealth Strategy Partners since 2007. Outside of advisory work, he is involved in a business helping clients with identity theft protection and leads WestPac Holding Company as CEO. Park Avenue Securities LLC, part of Guardian Life, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charities, and businesses. The firm offers a range of financial planning, consulting, and advisory solutions through a combination of advisor-led management and model-based strategies across proprietary and third-party platforms.

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 the Series 65 and Series 63 designations and has previously worked at Morgan Stanley and E*TRADE Capital Management. He serves as Vice President of his local homeowners association board in San Diego, CA. TIAA-CREF’s Advice & Planning Services division provides financial planning and managed account programs to individuals, trusts, estates, and small retirement plans, often serving clients with existing relationships through TIAA-administered employer retirement plans. The firm offers both point-in-time planning and ongoing discretionary management using model and customized portfolios.

Jeremy Edge is a CFP®-certified financial advisor with 12 years of industry experience. He is currently with Guardian Life and Park Avenue Securities, having previously worked with firms including MassMutual and Northwestern Mutual. Edge is a 60% owner of Edge Wealth Strategies and Insurance Solutions, Inc., a business involved in marketing securities and insurance. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and advisory services to individuals, businesses, and charitable organizations. The firm offers a combination of advisor-led discretionary management and model-based strategies, with access to a range of proprietary and third-party solutions.

Christina Lynch is a financial advisor at Breckinridge Capital Advisors Inc with 12 years of industry experience. She holds Series 65 and Series 63 licenses and previously worked at Gurtin Municipal Bond Management from 2012 to 2016. Outside of her advisory role, Lynch teaches yoga classes at CorePower Yoga. Breckinridge Capital Advisors manages over $54 billion in client assets, offering fixed income and equity strategies, sub-advisory services, and investment management primarily through intermediaries. The firm combines top-down and bottom-up research with rules-based models and emphasizes tax-aware investment techniques, operating as a certified B Corp majority-owned by employees and its board.

Brian Elliott is a Certified Financial Planner (CFP®) with 26 years of industry experience. He has been with Valic Financial Advisors since 2009 and also holds a position at Agia related to non-securities insurance products. Valic Financial Advisors serves primarily U.S. individuals, including high net worth and ultra-high net worth clients, as well as employer-sponsored retirement participants. The firm offers wrap programs, portfolio management, and financial planning through a large network of advisors, utilizing discretionary unified managed accounts and overlay services through a centralized technology platform.

Ethan Brackett is a financial advisor at Voya Financial Advisors, Inc. with 11 years of industry experience. He holds a Series 66 designation and has been with Voya since 2015. Outside of his advisory work, he serves as president of a homeowners association in San Diego and also performs as a magician for client entertainment. Voya Financial Advisors, Inc. is a large-scale advisory and broker-dealer affiliate of Voya Financial that offers financial planning, portfolio management, and retirement plan services to individuals, pension plans, and corporate clients. The firm emphasizes client relationships guided by investment policy statements and model allocations, delivering services through a broad network of representatives and a diverse product shelf including both affiliated and unaffiliated investment products.

Noah Nadeau is a financial advisor at United Planners' Financial Services of America with Series 66 credentials. He has one year of industry experience and has held positions at McLenachen Financial, Inc. and Navy Federal Credit Union. Prior to entering the financial industry, he worked for organizations including the San Diego Zoo Wildlife Alliance and SeaWorld San Diego. United Planners Financial Services is a national wealth-management enterprise serving individuals, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers both advisory and brokerage services through independent Investment Adviser Representatives and utilizes various custodians and third-party managers to implement investment strategies.