Patricia Posada is a financial advisor at Commonwealth Financial Network with 38 years of industry experience. She holds the Series 63 and Series 65 credentials. Her prior roles include positions at Sagepoint Financial, INC. and OSAIC. Commonwealth Financial Network serves a national network of nearly 2,900 affiliated advisors and their individual and institutional clients, managing around $212.7 billion in assets. The firm offers a broad adviser-support platform including managed-account programs, access to third-party asset managers, and custody services.

Kyle Riharb is a financial advisor at PlanMember Securities Corporation with two years of industry experience. He holds Series 63 and Series 65 designations. Outside of his advisory role, he is co-founder of Shaka Bites, an energy bar manufacturing business. PlanMember provides retirement-plan advisory services to employers and participants, offering fiduciary management and participant-level investment options supported by education, seminars, and personalized planning. The firm employs a top-down strategic asset allocation approach with risk-based mutual fund portfolios ranging from conservative to aggressive.

Douglas Hall is a financial advisor with United Planners' Financial Services of America and holds the Series 63, Series 65, and Series 66 licenses. He has 29 years of industry experience, including prior roles at Independent Financial Group, LLC and his own consulting firm, Doug Hall Consulting. He currently owns Doug Hall Consulting, providing consulting services in San Diego, CA. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform with multiple custodians and third-party money managers.

Luka Vujovich is a financial advisor with Guardian Life and Park Avenue Securities, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at Systems Source and Strategic Furniture Group. He also offers insurance products outside of Guardian Life as an independent contractor. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser that serves individuals, pension plans, charitable organizations, and corporate clients with brokerage, financial planning, and investment advisory services. The firm provides access to proprietary and third-party models, including a hybrid digital advisory platform, and offers tailored financial planning and retirement plan management options.

Jeff Boyd is a CFP® professional with 26 years of industry experience, currently serving at Independent Financial Group, LLC since 2011. He holds Series 63 and Series 66 licenses and is based in San Diego, CA. Boyd is a board member for two nonprofit organizations, Teule Kenya and Grove Church, where he participates in governance and financial oversight. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that provides brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm offers advisory programs through its AccessPoint platform and third-party asset managers, serving a diverse client base with both discretionary and non-discretionary account management.

Darren Wagerman is a financial advisor with Voya Financial Advisors, Inc. in Sacramento, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He previously worked for Great West Life & Annuity Insurance Company for 20 years before joining Voya in 2020. Outside of his advisory role, he works as a part-time Lyft driver during weekends and holidays. Voya Financial Advisors, Inc. provides investment advisory, brokerage, financial planning, and retirement plan services to a diverse client base including individuals, charitable organizations, corporations, and plan sponsors. The firm offers a range of investment programs combining model portfolios and manager-driven sleeves, with a focus on both non-discretionary and discretionary asset management.

Lucien Heilbronner is a financial advisor at Focus Partners Wealth, LLC with one year of industry experience. He holds a Series 65 designation and has previously worked at The Colony Group, LLC, HoyleCohen, LLC, and Brown Advisory. Focus Partners Wealth serves a diverse client base including individuals, high-net-worth families, family offices, corporations, retirement plans, and institutional investors. The firm employs a long-term, tax- and fee-sensitive investment approach with enhanced open architecture, combining fundamental and quantitative analysis alongside third-party managers, and offers a broad range of investment and wealth management services.

Cole Winship is a Series 66 licensed financial advisor at Commonwealth Financial Network with two years of industry experience. Prior to joining Commonwealth, he worked at firms including Pacific Point Wealth Management and Thrivent Financial. He also has a background with the University of San Diego and has experience in both wealth management and financial technology. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a broad adviser-support platform with discretionary and nondiscretionary managed-account programs, access to third-party managers, retirement consulting, and custody services.

Kelly Braun is a Certified Financial Planner (CFP®) with six years of industry experience. She has worked at Commonwealth Financial Network since 2015 and spent one year at Manning Wealth Management. Kelly is based in Coronado, CA, and holds a Series 66 license. 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 and services. The firm provides operational, trading, technology, investment management, compliance, and practice-management support, enabling advisors to offer customized portfolio solutions including discretionary model portfolios and personalized indexing options.

Britta Ferguson is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding CFP®, Series 66, and Series 63 designations and bringing 12 years of industry experience. Her career includes roles at First American Trust and LPL Financial LLC before joining Wealth Enhancement in 2022. Wealth Enhancement Advisory Services serves individuals, high-net-worth clients, corporations, and retirement plans, managing over $122 billion in assets through a network of advisors. The firm employs a diversified, risk-class based investment approach combining passive and active managers, supported by an internal Investment Committee and a range of implementation tools and services.

Nemanja Selezan is a financial advisor at Primerica Advisors with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Guardian Life Insurance Company and Park Avenue Securities in various roles since 2014. Outside of his advisory work, he serves as a council member for the Western Diocese Council and is involved in offering third-party identity protection services through Liberty ID. Park Avenue Securities LLC serves a diverse retail client base including individuals, 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, utilizing multiple portfolio management strategies and account solutions.

Kimberlie Sonnenberg is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. She previously worked at Cambridge Investment Research Advisors, Inc. and Cambridge Investment Research, Inc. for 15 years before joining Commonwealth in 2024. Sonnenberg also owns a private entity involved in securities, advisory, and insurance business. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing advisory programs, wealth management, and retirement plan consulting. The firm supports advisors with operations, trading, technology, investment management, compliance, and practice-management services.

Trang Dinh Noonan is a financial advisor with Transamerica Financial Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been affiliated with Transamerica Financial Advisors since 2012 and is also involved in several other ventures, including serving as owner and CEO of Pulsabilities, a company offering health and wellness programs to organizations. Additionally, she has experience as a nurse at Scripps Memorial Hospital and manages a family-run business that hires her children for clerical and social media tasks. Transamerica Financial Advisors serves a diverse client base that includes individual investors, pension plans, trusts, and corporations, offering a combination of advisory and broker-dealer services. The firm provides access to proprietary and third-party investment models with discretionary and non-discretionary program options.

Patrick Ru is a CFA® charterholder with 20 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior roles include positions at Neuberger Berman BD LLC and JPMorgan Securities LLC. He holds ownership interests in investment entities connected to his former employer, Neuberger Berman, though he is not actively involved in their operations. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, utilizing standard asset allocation models and Schwab research tools. The firm focuses on annual financial reviews and investment recommendations but does not exercise discretionary trading authority.

Joseph Cisneros is a financial advisor with First Command Advisory Services in San Diego, CA. He holds Series 65 and Series 63 licenses and has one year of experience in the financial services industry. Prior to his current role, he served in the United States Marine Corps for five years and has worked in various positions including security, retail, and hospitality. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs, utilizing a centralized Investment Management Team to manage model portfolios and select third-party managers.

James Smoogen is a financial advisor with PlanMember Securities Corporation in San Diego, CA, holding a Series 63 license and 23 years of industry experience. He has worked with PlanMember since 2005 and currently operates a financial advisory business through Superior Planning Financial Solutions. PlanMember provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering a range of participant-level investment options. The firm’s investment approach is based on strategic asset allocation and risk-based mutual-fund portfolios, complemented by education and support services for plan sponsors and participants.

Charles Kreider is a financial advisor with Transamerica Financial Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and 43 years of industry experience. His career includes roles at Warner Pacific Insurance Services, WealthWave, and Champ Plan, among others. He serves as president of Kreider Inc and Sea Ray 460 LLC. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations, offering advisory and broker-dealer services with proprietary and third-party investment models and both discretionary and non-discretionary program options.

Drawing on a career as a former aviator, I've seamlessly translated the invaluable lessons of teamwork, training, and experience into my role as a financial advisor. Much like the reliance on a well-trained flight crew to navigate challenges in the air, I believe in employing a strategic approach to investing, fostering a long-term perspective, and embracing life's challenges as opportunities for growth. In establishing this firm, my mission is to guide individuals who appreciate a calculated and strategic approach to financial success. As a Certified Financial Planner, I prioritize your interests above all, dedicated to helping each client achieve their unique goals. From the early days of flight school to the final flight, I'm committed to supporting your financial journey. As your trusted co-pilot and navigator, I offer guidance and expertise to help you chart a course toward your life's aspirations. Together, let's plan and navigate the complexities of your financial flight, ensuring a smooth journey towards your envisioned destination."

Zhaoxia Tan is a CFP® professional with 17 years of industry experience, currently serving at Transamerica Financial Advisors. She has held roles with NetLaw, Function Academy, ZEIDERS Enterprises, and has been a math teacher at Sunny Hills High School since 2007. Outside of financial advising, she teaches and tutors high school and college students in mathematics, including algebra, calculus, and financial mathematics. Transamerica Financial Advisors, LLC provides investment advisory, brokerage, and retirement-plan services to a broad client base, including individuals, employer-sponsored plans, trusts, and charitable organizations. The firm employs a model portfolio approach with third-party managers and platforms, supporting a regulatory AUM of approximately $1.7 billion.

Brandon Weed is a financial advisor at Creative Planning with a Series 66 credential and one year of industry experience. His prior roles include positions at NewEdge Advisors, MML Investors Services, and MassMutual Life Insurance. Outside of advisory work, he serves as the varsity baseball pitching coach at Helix High School. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including individuals, pension and profit-sharing plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach featuring low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets across more than 1,100 advisors and 151 offices.