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.

Justin Reckers is a CFP®-certified financial advisor with 19 years of industry experience. He is the owner and lead advisor at Fonte Financial Advisors, where he has worked since 2015, and he also manages Reckers Group, LLC, providing divorce financial planning and litigation support. Reckers serves as a trustee for the National Multiple Sclerosis Society, engaging in fundraising and public education efforts. Fonte Financial Advisors provides investment advisory and planning services to individuals, trusts, estates, and retirement plan sponsors. The firm employs a range of analytical methods and offers tailored portfolio management, including discretionary asset management and third-party manager engagement, serving a concentrated client base through a small, supported advisory model.

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.

Andrew Sontag is a CFP® with 20 years of industry experience, currently serving as an advisor at Carlsbad Wealth Advisory Group, Inc. since 2008. He holds a Series 66 designation and works out of Carlsbad, CA. Carlsbad Wealth Advisory Group offers discretionary portfolio management and comprehensive financial planning to a range of clients including individuals, high-net-worth households, trusts, foundations, and charitable organizations. The firm’s investment approach centers on asset allocation using primarily exchange-traded funds (ETFs), focusing on low expense ratios, internal diversification, and liquidity, while managing all client assets in-house.

Bradley Stephenson is a CFP® professional with 19 years of industry experience. He has been with Stephenson and Company, Inc. since 2016 and previously worked at Global Investment Solutions, LLC. The firm serves individuals, including high net worth clients, retirement plans, and other entities, offering fee-only investment management and financial planning. It employs strategic asset allocation across various securities and utilizes both fundamental and technical analysis in portfolio management.

Denise Barrett is a financial advisor with Cornerstone Wealth Advisors, Inc. in Carlsbad, CA, holding a Series 65 designation and bringing 12 years of industry experience. She is also the founder and president of Barrett Solutions Inc., a bookkeeping and payroll services business. Additionally, Barrett serves as owner and CEO of Cornerstone Family Office, Inc., a family business management firm. Cornerstone Wealth Advisors, Inc. serves individuals, trusts, estates, charitable organizations, and retirement plans, providing financial planning and discretionary investment management through a proprietary strategic asset-allocation framework. The firm also offers specialized ERISA plan services and employs fundamental and cyclical analysis with routine due diligence on third-party managers.

Chad Wauschek is a CFP® professional with eight years of industry experience, currently serving with Pathway Advisors, LLC. He is a partner at Cwick, APC, a tax and accounting firm, where he dedicates most of his time, and also a partner at Dunlap Wauschek & Elfarra CPAs. His background includes roles at Independent Financial Group and involvement in tax and accounting services alongside his advisory work. Pathway Advisors, LLC is a supported registered investment adviser serving individual and high-net-worth clients, pension and profit-sharing plans, and businesses. The firm manages approximately $58 million in assets, offering portfolio management, financial planning, and pension consulting, with a notable focus on non-discretionary asset management and coordinated tax and accounting services through affiliated firms.

Mark Lamb is a financial advisor at Vector Financial Solutions, Inc. with 31 years of industry experience. He holds Series 63 and Series 66 credentials and has worked previously at Royal Alliance Associates, INC. and Double Diamond Financial. Outside of his advisory role, he is involved in health insurance sales through Alta Vista Insurance. Vector Financial Solutions serves individuals, including high-net-worth clients, as well as corporations, charities, and pension and profit-sharing plans. The firm provides comprehensive financial planning, portfolio management, and retirement-plan consulting, using modern portfolio theory and model portfolios tailored to client objectives.

Patrick Mcgill is a CFP® professional with 11 years of industry experience. He is currently with Pilot Retirement Advisors, where he has worked since 2024. His prior experience includes roles at Robertson Wealth Management LLC, Howard Capital Management, Inc., and Johnson Wealth Inc. Pilot Retirement Advisors serves individual and high-net-worth clients through discretionary investment management, focusing on selecting institutional sub‑advisers and third‑party managers. The firm operates a manager-of-managers model with a concentrated client base and emphasizes due diligence and manager selection over traditional financial planning or wrap-fee programs.

Brady Boyd is a CFP® and holds a Series 66 license with 18 years of industry experience. He has been with Coronado Investment Advisors, LLC since 2016. Outside of his advisory role, he manages a Kidokinetics franchise in San Diego that offers youth sports and recreation programs. Coronado Investment Advisors provides discretionary portfolio management and advisory services to individuals, families, trusts, corporations, endowments, and government entities. The firm uses an adaptive, active investment approach combining fundamental, technical, and statistical methods, implementing portfolios mainly through individual stocks, bonds, and ETFs.

Aaron Baker is a ChFC® affiliated with Wismar Financial in Escondido, CA. He has been with Wismar Financial since 2023 and has prior experience at World Financial Group and Scenthound. Outside of financial advising, he has a long-term role with Rubios Restaurants. Wismar Financial provides investment management and personalized financial planning primarily for individuals, families, trusts, and small businesses. The firm uses a combination of technical charting and fundamental analysis, employing both long-term investing and short-term trading strategies tailored to each client’s specific financial situation.

Patrick Morehead is a financial advisor with Quiver Financial Holdings LLC, holding a Series 66 designation and 10 years of industry experience. His prior roles include positions at Global Crossing Airlines, GoJet Airlines, and several financial firms. Outside of advising, he is also active as a real estate agent and insurance sales agent, and he owns an asset protection company for personal real estate. Quiver Financial Holdings serves individual and high-net-worth clients, investment companies, and corporations by offering portfolio management, financial planning, consulting, and managed account services. The firm employs a range of investment strategies and operates a subscription newsletter providing macro commentary on emerging sectors and disruptive technologies.

Riley Stephenson is a CFP® and CFA® with 12 years of industry experience. He has been with Stephenson and Company, Inc. since 2016 and has worked with the affiliated entity, Stephenson and Company, since 2014. The firm serves individuals, including high net worth clients, retirement plans, and other entities, offering fee-only investment management and financial planning services. Stephenson and Company employs a strategic asset allocation approach across various securities and integrates fundamental, technical, and cyclical analysis in its investment process, managing approximately $312 million for about 236 clients.

Michael Sellman is a CFP® professional with 18 years of experience, currently serving as an advisor at Cornerstone Wealth Advisors, Inc. in Carlsbad, CA. He has worked at Cornerstone Wealth Advisors since 2010 and has also been an independent insurance agent since 2015. Cornerstone Wealth Advisors provides financial planning, discretionary investment management, and ERISA retirement-plan services to a range of clients, including individuals, trusts, estates, charitable organizations, and governmental entities. The firm manages approximately $143 million and offers both proprietary and custom portfolios, emphasizing fundamental investment analysis and client-specific asset allocation.

Raymond Morgosh is a financial advisor at 10 Star Asset Management in Carlsbad, CA, holding Series 63 and Series 65 licenses with 28 years of industry experience. He has been with 10 Star Asset Management since 2008. 10 Star Asset Management provides discretionary investment management to individuals, high-net-worth clients, trusts, estates, and select pension accounts. The firm uses licensed S&P research and model portfolios combined with equity and income strategies, including covered call writing and options, primarily managing accounts through Fidelity Institutional Wealth Services.

Heather Sontag is a CFP® professional at Carlsbad Wealth Advisory Group, Inc. with six years of industry experience. She has worked at Carlsbad Wealth Advisory Group since 2019 and concurrently holds a senior staff accountant position at Solar Turbines Incorporated. Carlsbad Wealth Advisory Group provides discretionary portfolio management and comprehensive financial planning to individuals, high-net-worth households, trusts, foundations, pensions, and charitable organizations. The firm emphasizes asset allocation primarily through exchange-traded funds (ETFs) and manages all client assets in-house, focusing on low expense ratios and internal diversification.

James Walters is a financial advisor at 77 Financial Group with nine years of industry experience. He holds a Series 66 designation and has previously worked at firms including LPL Financial, Securities America, Verus Capital Partners, and Lincoln Financial Advisors. Walters is also active as an insurance producer through a separate agency. 77 Financial Group serves individual investors, retirement plans, trusts, and various organizational clients with fee-based advisory and financial planning services, alongside pension consulting and related tax and accounting services. The firm employs a tactical allocation investment approach utilizing a range of securities and strategies, and offers additional resources such as a subscription newsletter and educational seminars.