Daniel Engel is a financial advisor with TLG Advisors, Inc. in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. His prior roles include work at Holdsworth & Co and Pitch It Forward, and he is also involved with JAG Legacy & Insurance Solutions as an independent insurance agent. Engel has volunteered with the Miracle League of San Diego since 2005. TLG Advisors, Inc. is an SEC-registered investment adviser managing approximately $2.0 billion in discretionary client assets. The firm serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors, offering investment supervisory and portfolio management, financial and estate planning, ERISA fiduciary services, and a direct-to-consumer program called Starlight Portfolios that combines fundamental analysis with Modern Portfolio Theory.

Nicholas Clark is a financial advisor at Primerica Advisors with 14 years of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes roles at Park Avenue Securities, Guardian Life Insurance Company, and MML Investors Services. Primerica Advisors serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, with a range of proprietary and third-party investment programs and integrated financial planning and consulting solutions.

Brandon Mather is a CFP® professional with 14 years of industry experience, currently affiliated with Wealth Enhancement Advisory Services, LLC. His prior experience includes roles at Dunham & Associates Investment Counsel, Inc. and LPL Financial LLC. He is based in Coronado, CA. Wealth Enhancement Advisory Services provides financial planning, asset management, and retirement-plan consulting to individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets and employs a diversified investment approach combining passive and active strategies, overseen by an internal Investment Committee.

Dianne Davis is a CFP® professional with 26 years of industry experience, currently serving as an advisor at Commonwealth Financial Network since 2010. She holds Series 63 and Series 65 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 and their clients through a range of advisory programs, including discretionary model portfolios and personalized investment solutions. The firm provides operations, technology, compliance, and practice-management support while allowing affiliated advisors significant discretion in portfolio construction.

Jenifer Pratt is a CFP®, PFS™, and Series 65-registered advisor at Creative Planning with 11 years of industry experience. She worked at Reilly Financial Advisors, LLC for five years before joining Creative Planning in 2021. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that includes low-cost indexing, buy-and-hold strategies, tax-loss harvesting, and selective private market investments, managing approximately $295.6 billion in client assets.

Chomreun Pao is a financial advisor at Commonwealth Financial Network with seven years of industry experience. He holds Series 66 and Series 63 designations. Prior to joining Commonwealth in 2021, he worked at CUSO Financial Services, LP for nine years. 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 numerous individual and institutional clients. The firm provides a broad adviser-support platform, including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

John Rey is a CFP® professional with two years of experience, currently affiliated with Commonwealth Financial Network and JM Financial Strategies. He previously worked at Tushaus Group, LLC. Outside of his advisory role, he teaches leadership training with the Carmelite Sisters in San Diego. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and operational support, allowing advisors discretion to construct client portfolios while offering managed model portfolios and distinct program structures.

Doan Nguyen is a financial advisor with Primerica Advisors based in San Diego, CA, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance, and Cambridge Investment Research Advisors. Outside of advisory work, he is involved in Medicare plan sales. Primerica Advisors serves a diverse retail client base, offering brokerage and advisory services along with financial planning and retirement consulting. The firm employs a variety of investment strategies through proprietary and third-party platforms and supports both discretionary and non-discretionary account management.

Kateryna Mc Isaac is a financial advisor at Commonwealth Financial Network with seven years of industry experience. She holds the Series 66 designation and has worked at Commonwealth since 2017, following three years at Pioneer Healthcare Services LLC. Based in San Diego, CA, her career spans both healthcare services and financial advisory roles. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and support services. The firm offers various investment solutions including discretionary model portfolios and personalized indexing, while acting as a platform provider for advisors who often operate under their own brand names.

Daniel Gensler is a CFP® with 39 years of industry experience, currently serving at Wealth Enhancement Advisory Services, LLC. His career includes long tenures at LPL Financial LLC and The Gensler Group. He is also an author of a book. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise firm serving a wide range of clients, including individuals, trusts, charitable organizations, corporations, and retirement plans, providing financial planning, asset management, and specialized consulting through a network of hundreds of advisors. The firm’s investment approach combines strategic allocation across risk classes with a mix of passive and active management, supported by an internal Investment Committee and research incorporating quantitative and fundamental analysis.

Todd Oberlin is a financial advisor with Commonwealth Financial Network in La Mesa, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. His prior work includes 18 years at Sagepoint Financial, Inc., followed by roles at OSAIC and Terramar Wealth. He is also the owner of Oberlin Financial Services, Inc., a private entity facilitating insurance business. 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 indexing, while providing operations, technology, compliance, and practice-management support to affiliated advisors.

Brandon Wissinger is a CFP® advisor at Mercer Global Advisors Inc. in San Diego, CA, with nine years of industry experience. He has been with Mercer Global Advisors since 2016. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments by providing investment advisory services along with financial, tax, retirement, and estate planning. The firm’s investment approach is based on Modern Portfolio Theory and emphasizes globally diversified, risk-appropriate portfolios implemented through a variety of investment vehicles and specialized programs.

Rod Crews is a financial advisor at Primerica Advisors with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked extensively with Guardian Life Insurance Company and Park Avenue Securities. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers brokerage and advisory services, financial planning, and retirement and business consulting, utilizing proprietary model portfolios, third-party managers, and a digital advice platform.

Alice Ruiz is a CFP® with 16 years of industry experience, currently with Schwab Wealth Advisory. Her prior experience includes roles at Fidelity Investments, JP Morgan Securities LLC, and Wells Fargo Advisors. She holds a Series 66 license and is based in San Diego, CA. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm focuses on delivering annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Jalyn Lupo is a financial advisor at Guardian Life with two years of industry experience. She holds a Series 66 designation and previously worked at Triad Components Group. Jalyn was also a full-time student for ten years prior to her advisory career. Guardian Life’s subsidiary, Park Avenue Wealth Management, serves individual clients, including high-net-worth individuals, as well as institutional clients through brokerage services, financial planning, and advisory programs that include both proprietary and third-party investment strategies.

Michael Gallion is a CFP® with 19 years of experience in the financial services industry. He is currently with OSAIC Advisory Services, LLC and has previously worked at Arbor Point Advisors and One Degree Advisors, Inc. Since 2016, he has taught financial planning and investing courses at a local adult school in San Diego. OSAIC Advisory Services, LLC is an SEC-registered investment adviser that serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides investment management, financial planning, retirement plan consulting, and related services through multiple program models, utilizing both proprietary and third-party platforms.

Katharine Wong Conway is a financial advisor with Transamerica Financial Advisors in San Diego, holding Series 63 and Series 66 credentials and seven years of industry experience. She previously worked at Merrill and Morgan Stanley. Outside of her advisory role, she is involved in real estate sales as an independent contractor and manages rental properties. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, utilizing model portfolios and third-party managers to deliver its investment solutions.

Victoria Winkelman is a CFP® with 42 years of industry experience. She is affiliated with Planmember Securities Corporation and Barrett Financial & Investment Services, Inc. DBA MPD Wealth, where she has been involved since 1987. Winkelman’s background includes extensive experience in insurance and securities sales and services, including annuities and long-term care. Planmember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios ranging from conservative to aggressive.

Christopher Lowe is a CFP® with 23 years of industry experience. He is currently an advisor at Independent Advisor Alliance, LLC and has previously worked with Independent Financial Partners and LPL Financial. In addition to his advisory work, he serves as an adjunct professor. Independent Advisor Alliance works with a diverse client base including individuals, small businesses, charitable organizations, and retirement plans. The firm offers asset management, financial planning, and retirement consulting services, leveraging a network model and technology platforms to provide portfolio management through discretionary and non-discretionary strategies.

Joseph Forlenza is a Certified Financial Planner (CFP®) and Certified Public Accountant (CPA®) with 26 years of experience in financial advising. He has worked with firms including Integrated Wealth Concepts LLC, SkyCity Advisors, Laurel Wealth Advisors, and Ameriprise Financial Services, and he also operates his own CPA tax preparation service. Outside of advising, Mr. Forlenza serves as President of the California Society of CPA's Education Foundation and is an adjunct professor at the University of San Diego, where he teaches financial planning. Integrated Wealth Concepts LLC 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, combining a long-term investment approach with tailored portfolio construction and oversight of third-party asset managers.