Alvin Gebhart Jr. is a CFP® with 44 years of industry experience and is a principal at Gebhart & Associates, Inc. in Fallbrook, California, where he has worked since 1998. He has served on the Fallbrook Public Utility Board since 2006. In addition to his advisory role, he is also an insurance agent offering life, accident, health, property and casualty insurance, and fixed annuities. Gebhart & Associates is a small registered advisory firm that provides financial planning and consulting services to individuals, trusts, estates, charitable organizations, and business entities. The firm delivers written financial plans and modular consulting with a focus on asset-class and diversified-portfolio recommendations rather than ongoing portfolio management.

John Ferraro is a Series 65-licensed financial advisor with Longhouse Wealth Management in Encinitas, CA, where he has worked since 2018. He has seven years of industry experience. Longhouse Wealth Management serves individual and high-net-worth clients, including trusts, estates, and retirement plans, providing discretionary portfolio management across equities, bonds, ETFs, and REITs. The firm uses proprietary quantitative and technical risk-management models to tailor investment policies and employs educational content and client seminars as part of its service approach.

Jeffrey Wiyninger is a CFP® professional with 18 years of experience in the financial advisory industry. He has been with Pathway Advisors, LLC since 2016 and previously worked at Independent Financial Group and Cincinnati Analysts, Inc. He is also a licensed insurance agent. Pathway Advisors is a supported registered investment adviser serving individual and high-net-worth households, pension plans, and small businesses. The firm utilizes discretionary and non-discretionary portfolio management strategies, often employing model portfolios and third-party sub-advisers, and is noted for its integration with an accounting practice and advisory personnel who hold insurance licenses.

Bradley Ball is a financial advisor at Seaport Wealth Management in Escondido, CA, with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Newbridge Securities Corporation for 13 years before joining Seaport Wealth Management in 2020. Outside of his advisory role, he provides limited legal document preparation services, assisting individuals including his elderly father. Seaport Wealth Management is a small, two-advisor firm serving individual retail clients with a focus on passive portfolio management using diversified mutual funds and ETFs. The firm manages primarily nondiscretionary accounts and may recommend third-party managers for discretionary strategies when appropriate.

Richard Vertucci Jr. is a financial advisor at Salient Wealth Planning with eight years of industry experience. He holds a Series 66 designation and has previously worked at Ameriprise Financial Services, Inc. and Savvy. Salient Wealth Planning serves individuals, high-net-worth clients, trusts, estates, and businesses by providing discretionary and non-discretionary investment management, retirement advice, and financial planning. The firm employs a long-term, fundamental analysis approach to construct diversified portfolios, emphasizing low-cost mutual funds and ETFs, and oversees independent managers and platforms as part of its investment process.

Kyle Stits is a financial advisor with Cooper Capital Group in Encinitas, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investment and Northwestern Mutual. Cooper Capital Group serves individual and high-net-worth clients, providing discretionary asset management, comprehensive portfolio management, financial planning, and retirement plan consulting. The firm employs a diverse investment approach that incorporates fundamental, technical, quantitative, and sector analysis across a wide range of strategies, with ongoing portfolio monitoring and rebalancing.

Lawrence Ladd is a CFP® and CFA® with 13 years of industry experience currently working at Coronado Investment Advisors, LLC. He has held positions at Magellan Federal, My Secure Advantage, and Zeiders Enterprises. Ladd also serves as a financial counselor for military service members, providing budgeting and credit counseling services. Coronado Investment Advisors offers discretionary portfolio management and advisory services to individuals, families, trusts, corporations, endowments, and government entities. The firm employs an adaptive, active investment approach combining fundamental, technical, and probabilistic methods, utilizing primarily individual stocks, bonds, and ETFs.

Timothy Winter is a CFP® with 21 years of industry experience, currently serving as the sole advisor at Steward Family Office, Inc. since 2014. He provides management advisory services to his firm and performs additional consulting work for CTJML, Inc. Steward Family Office, Inc. offers financial consulting and family office services to high-net-worth families, trusts, and foundations, focusing on reporting, estate and philanthropic consulting, private equity, and administrative coordination without managing client investments or custody.

Todd Frank is a financial advisor with Frank Financial Advisors in Carlsbad, CA, holding the PFS™ and Series 66 designations and bringing 25 years of industry experience. He has been with Frank Financial Advisors since 2008. Outside of his advisory role, he is licensed to sell non-variable life, health, and disability insurance products. Frank Financial Advisors provides discretionary asset management, financial planning, and consulting services to a diverse client base, including high-net-worth individuals, trusts, estates, and charitable organizations. The firm employs primarily no-load or low-load mutual funds and ETFs, using both fundamental and technical analysis across long- and short-term strategies.

Kade Kretzschmar is a financial advisor at Seaside Wealth Management, Inc. with one year of industry experience. He holds a Series 65 designation and previously worked for the St. Louis Cardinals for two years. Seaside Wealth Management serves individuals, high-net-worth clients, and employer plan sponsors by providing discretionary asset management, financial planning, and retirement plan consulting. The firm follows an investment approach based on modern portfolio theory, utilizing passive and indexed vehicles with a focus on broad asset allocation and disciplined rebalancing.

Austin Mangold is a financial advisor at Seaside Wealth Management, Inc. with two years of industry experience. He holds Series 63 and Series 65 credentials. Prior to his current role, Mangold worked at Purshe Kaplan Sterling Investments and 49 Wealth Management. Seaside Wealth Management serves individuals, high-net-worth clients, and employer plan sponsors by providing discretionary asset management, financial planning, and retirement plan consulting. The firm emphasizes a passive, academically grounded investment approach that includes broad asset allocation and disciplined rebalancing.

Carolina Ortiz is a CFP® with 22 years of experience in financial advisory roles. She is currently with Shared Vision Wealth Group and has previously worked at firms including Northwest Asset Management and USAA Financial Planning Services. Shared Vision Wealth Group serves a diverse client base including high-net-worth individuals and institutional clients, offering customized investment management, financial planning, and retirement-plan advisory services. The firm combines fundamental analysis, modern portfolio theory, and cyclical analysis, with the capability to manage retirement plans under ERISA 3(38) and employ options and derivatives strategies.

Bradley Sayre is a CFP® and Series 66 licensed financial advisor with 19 years of industry experience. He is currently with Shared Vision Wealth Group and has previously worked at Northwest Asset Management and USAA-affiliated firms. Shared Vision Wealth Group provides investment management, financial planning, and retirement-plan advisory services to individuals, family offices, and institutional clients. The firm employs a diversified investment approach incorporating fundamental analysis, modern portfolio theory, and cyclical analysis, and it offers specialized services including ERISA 3(38) discretionary management and the use of derivatives in managed accounts.

Jeffrey Vistica is a CFP®, ChFC®, and holds a Series 66 license with 24 years of industry experience. He has been with Vistica Wealth Advisors, LLC since 2008 and previously worked at Cetera for nine years. He is also a licensed insurance agent who assists clients with insurance as part of comprehensive wealth management planning. Vistica Wealth Advisors provides discretionary investment management, financial planning, and retirement-plan advisory services to individuals, trusts, and businesses. The firm manages approximately $290 million in assets, employs a long-term, allocation-driven investment approach focused on passive index funds, and offers specialized options including ESG portfolios and access to third-party sub-advisors.

Thomas Stout is a Certified Financial Planner (CFP®) with 13 years of experience and is the principal of Stout Capital Management LLC, where he has worked since 2013. The firm is a fee-only, state-registered investment adviser serving individuals, trusts, estates, company retirement plans, and charitable organizations. Stout Capital Management constructs customized portfolios using modern portfolio theory, strategic asset allocation, and low-cost mutual funds and ETFs, providing both investment management and financial planning services.

David Wilson is a CFP® professional with 39 years of industry experience, currently serving as president of Vector Financial Solutions, Inc. He previously worked at Sagepoint Financial, Inc. and National Planning Corporation. Outside of his advisory role, he writes educational articles and blog posts on financial planning topics and serves on the Rancho Bernardo Community Planning Board as well as the Palomar Health Foundation Board, where he is Treasurer. Vector Financial Solutions serves individual and high-net-worth clients, corporations, charities, and pension and profit-sharing plans. The firm provides comprehensive financial planning, portfolio management using model portfolios based on Modern Portfolio Theory, and retirement plan consulting, offering both discretionary and non-discretionary management services.

Shelley Murasko is a CFP® and holds a Series 66 license with 12 years of industry experience. She has been with Wealthrise Financial Planning, LLC since 2016. Outside of her advisory work, she has a minor involvement in real estate rental activities. Wealthrise Financial Planning serves individual and high-net-worth investors, with a focus on working with women regarding financial empowerment, longevity, and long-term care planning. The firm employs an evidence-based, tax-aware investment approach that emphasizes low-cost, low-turnover, long-term buy-and-hold portfolios primarily composed of passively managed funds with factor-aware tilts and integrates behavioral considerations alongside statistical financial planning.

Elizabeth Mc Gill is a CFP® and holds a Series 65 license with five years of industry experience. She has worked at Pilot Retirement Advisors since 2020, following brief periods at WWM Financial and as a stay-at-home parent. Prior to her financial career, she spent five years at Executive Physical Therapy. Pilot Retirement Advisors is a small registered investment adviser serving high-net-worth and individual clients, focusing on institutional investment manager selection, retirement plan and rollover advice, and oversight of accounts managed by third-party managers rather than offering comprehensive financial planning. The firm emphasizes due diligence and manager selection, recommending various strategies through external managers and maintaining a concentrated client base.

Jeran Van Alfen is a CFP® professional with 21 years of industry experience, currently serving at Centered Financial in Carlsbad, CA. His prior roles include positions at Purshe Kaplan Sterling Investments, Seaside Wealth Management, and Anchor Bay Securities. In addition to his advisory work, he is a licensed insurance agent providing fixed insurance products. Centered Financial serves individuals—including high-net-worth and non-HNW households—as well as pension plans, charitable organizations, and business entities. The firm offers portfolio management, financial planning, and pension consulting, utilizing a mix of fundamental and technical analysis with a focus on both long-term strategies and tactical asset allocation.

Bryan Theall is a CFP®-certified financial advisor with 19 years of industry experience. He is currently with Shared Vision Wealth Group and has previously worked at Northwest Asset Management, USAA Investment Management Company, and USAA Financial Planning Services. Shared Vision Wealth Group provides investment management, financial planning, and retirement-plan advisory services to individuals, family offices, and institutional clients. The firm employs fundamental analysis, modern portfolio theory, and cyclical analysis to construct diversified portfolios, and it offers specialized services including ERISA 3(38) discretionary management for plan sponsors.