Roxanne Desouza is a financial advisor at Seawise Financial, Inc. with three years of industry experience. She holds a Series 65 designation and has previously worked at Satori Wealth Management and several medical centers as an occupational therapist. In addition to her advisory role, she continues to work part-time as an occupational therapist. Seawise Financial manages approximately $55 million for individuals, high-net-worth clients, and employer plan sponsors. The firm emphasizes a primarily passive investment approach using diversified, low-cost index funds and ETFs, supplemented by fundamental and cyclical analysis and selective outside managers, while also offering retirement plan consulting and discretionary management of held-away accounts.

Gary Stout is a financial advisor at Stout Capital Management LLC with 24 years of industry experience. He holds a Series 65 designation and has been with Stout Capital Management since 2002. Stout Capital Management LLC provides investment management, comprehensive wealth management, and financial planning services to individuals, trusts, and company retirement plans. The firm serves both middle and high-net-worth clients and uses an investment approach based on modern portfolio theory, asset allocation, global diversification, and passive, low-cost mutual funds and ETFs.

Gregory Carroll is a CFP® professional with 31 years of industry experience, currently serving at WWM Financial since 2019. His prior roles include positions at Sterling Global Strategies, APW Capital, and Sterling Wealth Management Group, Inc. Outside of his advisory work, Carroll owns and manages rental properties in San Diego. WWM Financial provides asset management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, retirement plans, and business entities. The firm employs a multi-disciplinary investment approach with tailored portfolio supervision and offers both discretionary and non-discretionary portfolio management.

Clinton Cooper is a financial advisor at Cooper Capital Group with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has held positions at Northwestern Mutual and Purshe Kaplan Sterling Investments. Cooper serves on the board of Elevated Performance, a sober life coaching and fitness charitable organization. Cooper Capital Group primarily serves individual and high-net-worth clients, offering discretionary asset management, comprehensive portfolio management, financial planning, and retirement plan consulting. The firm employs a diverse investment approach that includes fundamental, technical, quantitative, and sector analysis, utilizing a wide range of strategies and third-party managers to implement and monitor client portfolios.

Scott Goswami is a CFA® charterholder with 12 years of industry experience, currently serving as an advisor at Archstone Capital Advisors since 2025. He previously worked at RBC Capital Markets for nine years. Archstone Capital Advisors is a newly registered investment adviser specializing in discretionary portfolio management and integrated financial planning for individual and high-net-worth clients. The firm employs option-based income strategies and defined-risk option structures while also trading equities, futures, REITs, ETFs, and digital assets, managing accounts through a directed brokerage relationship.

Steven Van Houten is a CFP® with 45 years of industry experience, currently serving as the sole advisor at Lifetime Financial Advisors Inc. He has been with Lifetime Financial Advisors since 2002 and previously worked with LPL Financial starting in 1992. Van Houten also offers non-variable insurance products to his clients. Lifetime Financial Advisors provides personalized financial planning and written investment recommendations for individuals, trusts, estates, charitable organizations, corporations, and participants in employer-sponsored retirement plans. The firm delivers non-discretionary advice without maintaining custody of client assets and typically favors mutual funds selected for manager tenure, risk management, and transparency.

Vincent Stefano is a financial advisor at WWM Financial in Carlsbad, CA, with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with WWM Financial since 2013. WWM Financial provides asset management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, retirement plans, and business entities. The firm manages approximately $342 million in assets, employing a multi-disciplinary investment approach with tailored portfolio supervision and a mix of securities and strategies.

Jacob Rogers is a financial advisor at 77 Financial Group with a Series 65 credential and one year of industry experience. Prior to joining 77 Financial Group, he worked for the City of San Marcos for seven years and American Medical Response for two years. 77 Financial Group serves individual investors, retirement plans, trusts, estates, charitable organizations, and business entities with fee-based investment advisory, financial planning, and pension consulting services. The firm uses a tactical allocation approach that incorporates fundamental, technical, and cyclical analysis and offers a range of investment vehicles including mutual funds, ETFs, options strategies, and margin usage.

Dean Ferraro is a financial advisor at Longhouse Wealth Management with eight years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at HD Vest Investment Services. Outside of financial advising, Ferraro owns and manages Authoritax, an accounting and tax preparation business. Longhouse Wealth Management provides discretionary portfolio management and investment education to individuals, families, trusts, business entities, and retirement plans. The firm customizes portfolios based on clients’ objectives and risk tolerance, employing a range of asset types and regularly offering community educational events.

Taylor Jobe is a financial advisor at MKT Advisors LLC with 11 years of industry experience and holds a Series 65 designation. He has worked at MKT Advisors LLC since 2015. Outside of his primary role, he is the owner and president of HARVEST LLC, a SaaS company providing options calculations, and serves on the strategic advisory board of DPL Financial Partners, an insurance marketplace. MKT Advisors provides investment advisory and financial planning services to individuals, high net worth clients, trusts, estates, charitable organizations, foundations, businesses, and retirement plans. The firm manages approximately $463.7 million across discretionary and non-discretionary accounts and employs customized portfolios using stocks, bonds, mutual funds, ETFs, and options with an emphasis on both long-term and tactical approaches.

Philip Smith is a financial advisor at Salient Wealth Planning with 26 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. His prior roles include positions at Ameriprise Financial Services, Inc. for 18 years and Purshe Kaplan Sterling Investments. Salient Wealth Planning is an SEC-registered advisory firm serving individuals, high-net-worth clients, trusts, estates, and businesses with discretionary investment management and financial planning. The firm emphasizes a long-term, fundamental-analysis approach and manages diversified portfolios using low-cost mutual funds, ETFs, and select individual securities.

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 Certified Financial Planner® with 17 years of industry experience. He has been with Pathway Advisors, LLC since 2016 and previously worked at Independent Financial Group from 2012 to 2020. In addition to his advisory role, he is also a licensed independent insurance agent. Pathway Advisors is a small supported registered investment adviser serving individual and high-net-worth households, as well as pension plans and small businesses. The firm offers portfolio management, financial planning, and pension consulting services, frequently employing model portfolios and third-party sub-advisers while maintaining predominantly non-discretionary client relationships.

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.

Frank Montes is a financial advisor at Torrey Pines Financial, Inc. with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has operated Frank E. Montes Financial Services, Inc. since 2001. Montes receives commissions for insurance products including fixed and indexed annuities, life, medical, disability, long-term care, dental, and vision insurance. Torrey Pines Financial provides financial planning, consulting, and portfolio management services to individuals, trusts, estates, and retirement plans. The firm emphasizes fundamental analysis and Modern Portfolio Theory to develop diversified, long-term investment strategies, often allocating assets among independent third-party managers and focusing on manager selection and monitoring.

Richard Vertucci Jr. is a financial advisor at Salient Wealth Planning with eight years of industry experience. He holds the Series 66 designation and previously worked at Ameriprise Financial Services, Inc. for nine years. Outside of finance, he was involved with Lakeside Tavern & Marina for four years. Salient Wealth Planning is an SEC-registered advisory firm serving individuals, high-net-worth clients, trusts, estates, and businesses. The firm manages approximately $239 million across a three-advisor team, using a long-term, fundamental-analysis approach and diversified portfolios that include low-cost mutual funds, ETFs, and selectively held individual securities.

Steven Wittenberg is the sole advisor at Independent Wealth Solutions with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has operated Wittenberg Financial and Insurance Services, Inc. since 2015. Previously, he was involved with The Inspired Youth from 2011 to 2017. Independent Wealth Solutions provides advisory services to individuals, corporations, and tax-qualified 401(k) plans primarily through selecting and referring third-party investment advisers and acting as a solicitor. The firm also offers pension consulting and 401(k) plan services using the Betterment at Work platform and is affiliated with an insurance entity that sells fixed annuities.

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.