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.

Thomas Keener is a ChFC® credentialed financial advisor with 28 years of industry experience. He is currently affiliated with Primerica Advisors and works through Park Avenue Securities and Guardian Life Insurance Company, where he has been since 2015. Keener is also licensed to sell insurance products outside of Guardian. Park Avenue Securities serves a diverse retail client base, offering both brokerage and advisory services, including financial planning and retirement-plan consulting. The firm employs a variety of investment strategies through proprietary and third-party portfolios and supports multiple account-level services such as lending solutions and donor-advised funds.

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 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.

Nebojsa Subotic is a financial advisor with Primerica Advisors based in San Diego, CA, holding Series 63 and Series 65 licenses and having 21 years of industry experience. He has worked with firms including Westpac Wealth Partners, Guardian Life Insurance Company of America, Park Avenue Securities, and Wealth Strategy Partners since 2007. Outside of his advisory work, he is involved in several entrepreneurial ventures, including serving as CEO of WestPac Holding Company LLC and operating a business that assists clients with identity theft protection. Park Avenue Securities LLC serves a diverse retail client base, offering brokerage and advisory services along with financial and business consulting. The firm employs a range of investment strategies through proprietary portfolios, third-party managers, and digital advice platforms, supporting both discretionary and non-discretionary account 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.

Jeremy Edge is a CFP® professional with 11 years of industry experience, currently affiliated with Primerica Advisors in San Diego, CA. His career includes roles at Guardian Life Insurance Company, Park Avenue Securities, Mass Mutual Investors Services, and Northwestern Mutual. He is also a 60% owner of Edge Wealth Strategies and Insurance Solutions, Inc., a marketing entity for securities and insurance products. Park Avenue Securities LLC serves a wide range of retail clients, including individuals, high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, employing a variety of investment strategies through proprietary and third-party platforms.

Christina Lynch is a financial advisor at Breckinridge Capital Advisors Inc with 12 years of industry experience. She has held positions at Breckinridge since 2016, following prior roles at Foreside Fund Services, LLC and Gurtin Fixed Income Management, LLC. Outside of her advisory work, she teaches yoga classes at CorePower Yoga. Breckinridge Capital Advisors offers separately managed fixed income and equity strategies, sub-advisory services, and investment management for individual, high-net-worth, and institutional clients. The firm combines top-down and bottom-up research with rules-based models and emphasizes tax-aware portfolio implementation through proprietary systems.

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 with Voya Financial Advisors, Inc. in San Diego, CA, holding a Series 66 designation and possessing 11 years of industry experience. He has been with Voya Financial Advisors since 2015. Outside of his advisory role, he serves as president of his local homeowners association and performs magic tricks for clients as an entertainer. Voya Financial Advisors, Inc. serves a broad mix of individual and institutional clients, offering financial planning, portfolio management, and consulting through multiple program structures, including non-discretionary and recommendation-based arrangements alongside affiliated retirement-advice offerings.

Robert Holcomb is a Series 65 licensed financial advisor with 19 years of industry experience. He is currently with Valic Financial Advisors and has previously worked at CUSO Financial Services, Cadaret Grant & Co, Atria Wealth Solutions, and other firms. Valic Financial Advisors serves primarily U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.