Youhang Jiang is a financial advisor at SML Capital LLC in San Diego, CA, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has been with Wachovia Securities LLC since 2003. SML Capital LLC provides discretionary asset management services to individuals, pension and profit-sharing plans, trusts, charitable organizations, estates, and business entities. The firm develops investment strategies tailored to clients’ time horizons and risk tolerances, managing diversified portfolios on a discretionary basis.

Todd Hoyt is the principal of RabbitPlans and holds a Series 65 designation. He has one year of industry experience, having founded RabbitPlans after retiring in 2016. RabbitPlans is a fee-only registered investment adviser providing project-based financial planning to individuals, high-net-worth clients, and businesses. The firm offers limited-scope written engagements on topics such as business planning, cash flow and debt management, estate and tax planning, retirement projections, and investment analysis, relying on fixed or hourly fees without managing client assets.

Robert Bartels is the sole advisor at New Phase Financial in San Diego, CA, holding a Series 65 credential with five years of industry experience. Prior to founding New Phase Financial in 2021, he was retired from 2016 to 2021. New Phase Financial provides comprehensive financial planning services primarily to individual and couple clients, focusing on retirement, tax, estate, insurance, college savings, employee benefits, and business planning. The firm operates on a fee-only basis with fixed-fee and hourly engagements, does not offer discretionary investment management, and delivers plans for client implementation through custodians of their choice.

Michael Allen is a ChFC® credentialed financial advisor with 26 years of industry experience. He is the principal of Allen Financial Advisement, Inc. and has previously worked at SB Advisory, LLC, San Blas Securities, LLC, and Woodbury Financial Services, Inc. In addition to his advisory work, he teaches business and finance classes at National University and founded the Muñoz Family Scholarship to support graduating high school seniors attending college. Allen Financial Advisement, Inc. provides investment and portfolio management, financial planning, retirement plan consulting, and educational seminars to a diverse client base including corporations, qualified retirement plans, charities, and individual investors. The firm employs a passive management approach based on modern portfolio theory with diversified model portfolios and offers discretionary management alongside fixed-fee and hourly consulting engagements.

Ryan Gonzales is a CFP® with 17 years of industry experience, currently serving as the sole advisor at True Fiduciary Capital, LLC since 2019. He previously worked at USAA Financial Advisors and USAA Investment Management Company. Outside of his advisory role, he designs and sells shirts through his business Dad Fiction and provides color commentary for local high school sports with the NFHS Network. True Fiduciary Capital offers discretionary and non-discretionary investment supervisory services and financial planning to individual and high-net-worth clients. The firm employs a concentrated, fundamental equity approach focused on companies with strong free cash flow and intrinsic value, managing approximately $90 million across about 60 accounts.

Robert Waltz is a financial advisor with La Jolla Asset Management, Inc. in San Diego, CA, where he has worked since 1996. He has 12 years of industry experience and operates as the sole advisor at the firm. La Jolla Asset Management is an independent investment adviser that provides discretionary portfolio management to individuals and institutional clients, including pension plans, trusts, and charitable organizations. The firm constructs customized portfolios using a combination of fundamental and technical analysis, a macroeconomic perspective, and a proprietary screening process focused on highly liquid NYSE and NASDAQ stocks.

Matthew Gonzales is a CFP® with four years of industry experience currently serving as the sole advisor at ING Wealth in La Mesa, CA. His prior experience includes six years at LPL Financial and roles at North Island Credit Union and San Diego State. Before entering the financial industry, he worked seven years at Steele Canyon Golf Club Corporation. ING Wealth provides portfolio management and financial planning services to individuals, high-net-worth clients, and business entities. The firm offers a Comprehensive Portfolio Management service that combines discretionary asset management with optional financial planning, utilizing a variety of analytic methods and trading strategies tailored to client risk profiles and goals.

Gardner Osborne is the sole advisor at Osborne Capital Management in San Diego, CA, holding a Series 65 designation with three years of industry experience. He is also the owner and tax preparer at Gardner Tax & Financial LLC, where he performs tax accounting and preparation. Osborne has a background working with Linda Osborne CPA since 2003. Osborne Capital Management provides investment supervisory services and financial planning to individual, high-net-worth, and institutional clients. The firm focuses on value-based investing with growth and income securities, managing accounts on a non-discretionary basis and offering performance-based fee arrangements for qualified clients.

Jeffrey Bernstein is the sole advisor at JLB Capital Management LLC, an independent firm based in San Diego, CA. He holds a Series 65 designation and has 14 years of industry experience. Bernstein has been with JLB Capital Management since its founding in 2001. JLB Capital Management manages a pooled vehicle focused on acquiring and servicing private student loans in the form of retail installment contracts. The firm primarily serves accredited investors, family offices, and institutional clients, employing a bottom-up underwriting process and a niche credit strategy centered on loans from for-profit schools.

Most financial advice assumes you live, earn, bank, and retire in one country. My clients don't — and that's exactly the work I love. I'm Victor Gersten, founder of Cross Border Wealth Advisors. I work with US citizens and dual nationals living abroad, especially those moving between the United States and Spain, and those planning a move to Portugal or elsewhere in Europe. What makes cross-border planning hard isn't the investing — it's everything around it: how two tax systems interact, where to hold accounts, how a Golden Visa or a relocation reshapes your plan. I'm both a CERTIFIED FINANCIAL PLANNER™ and an Enrolled Agent, so I look at your investments and your tax picture together instead of handing you off and hoping the pieces line up. When a client needs in-country expertise, I coordinate with trusted tax and legal partners in the US, Spain, and across Europe. I built this firm after years inside large US brokerage houses, where I saw how poorly the traditional model served people whose lives crossed borders. Today I split my own life between the US and Spain, work in English and Spanish, and teach university students on the side — so the cross-border balancing act my clients live isn't theory to me, it's my everyday. I'm fee-only and a fiduciary: I'm paid only by my clients, never through commissions or products. If you're building a life across borders and want a planner who actually speaks both sides of it, let's talk.

Sergio Fourzan is the principal advisor at Fourzan Financial LLC, an independent registered investment adviser based in Chula Vista, CA. He holds the Series 65 designation and has experience with Forward Capital Corp from 2012 to 2025. Outside of financial advising, he has been involved with Fourzan Car Rentals since 2022. Fourzan Financial LLC serves individuals, high-net-worth individuals, families, and trusts by providing discretionary portfolio management and financial planning services. The firm’s investment approach combines macroeconomic analysis with fundamental research, using a low-cost passive core complemented by selective active strategies and a focused equity option.

Patrick Kelly is the sole advisor at Next Alpha Capital, LLC, a California-registered independent advisory firm. He holds a Series 65 designation and has nine years of industry experience, including five years at Motorola Solutions. Outside of his advisory role, Kelly manages a self-directed IRA investment company focused on futures and options trading. Next Alpha Capital provides investment advice through separately managed accounts and discretionary trading across a wide range of securities and financial instruments. The firm operates with broad discretionary authority and conducts continuous account reviews, offering a fixed hourly fee model rather than traditional percentage-based fees.

John Pak is a financial advisor at Vector3 Wealth Management in San Diego, CA, holding Series 63 and Series 65 licenses with 21 years of industry experience. His prior experience includes roles at Edge Wealth Management, Golden State Equity Partners, and Golden State Asset Management. Vector3 Wealth Management is an SEC-registered firm serving individual and high-net-worth clients with discretionary investment management and integrated financial planning. The firm employs a blended investment approach combining bottom-up fundamental analysis with top-down macroeconomic evaluation, managing a broad range of asset types in line with client objectives.

Hello! I'm Shannon, a bilingual (Eng/Spn) Advice-Only CFP® practitioner, and I'm here to help you create a clear path towards your life goals and a sense of financial freedom through values-aligned financial planning. I have worked with clients across a variety of career fields, from tech and solopreneurs to educational institutions, such as the UC system and public employees working for federal, state and local governments. My clients come from all walks of life, and I am particularly passionate about supporting those typically left out of money conversations and economic power, eg. women and BIPOC. I specialize in working with first generation wealth builders, like myself, who want to change their financial family trees, as well as those who want to go above and beyond reaching financial freedom for themselves to invest responsibly, support their communities in creative and meaningful ways, and to help close the wealth gap. I'm here to help you know, feel and do better with your money, and to help you make your money work harder for you in support of your goals, the life you want for yourself, and the impact you want to have on the world around you. Examples of who I work well with: • First Generation Wealth Builders, First Gen Americans and Immigrants • Progressive professionals interested in ESG & Socially Responsible Investing • FI/RE aspirers • Individuals, couples, LGBTQIA and non-traditional households • Tech employees & employer equity recipients • Small business owners I work with clients in San Diego, as well as nationwide via virtual meetings. Interested in working together? Please visit my website for more information and to schedule an introductory appointment: www.sagefinancialsd.com

Paul Honeycutt is a financial advisor with Commonwealth Financial Network in San Diego, CA, holding CFP® and Series 63 designations and bringing 38 years of industry experience. He has been associated with Commonwealth Financial Network, H.S. Financial, Inc., and Honeycutt Smith & Associates since 2005. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients, offering a variety of advisory programs and services including wealth management, retirement plan consulting, and discretionary model portfolios managed through a structured due-diligence process.

Eric Niergarth is a flat-fee Retirement & Tax Planner. He holds the CFP® designation and has over a decade of financial services experience. He is passionate about helping people prepare for and transition into their ideal retirement. Before founding Retirement Roadmap Financial Planning, Eric was a Financial Planner under two of the most sought-after Wealth Management firms in San Diego, where he helped high-earning and high-net-worth families work towards their ideal retirement. Prior to that Eric worked with financial advisors at TD Ameritrade Institutional. There he gained valuable experience through consulting advisory firms on various industry topics. Outside of the office, Eric can be found spending time with his wife and two kids. He enjoys hiking, surfing, sailing, pickleball, and golf.

Daniel Harris is the principal of D.R. Harris & Co. in La Jolla, CA, holding Series 65 and Series 66 credentials with 17 years of industry experience. He has operated his independent advisory firm since 2009. In addition to investment advisory services, Harris provides income tax preparation and business consulting services through the same firm, serving some overlapping clients. D.R. Harris & Co. offers non-discretionary investment monitoring and advice tailored to individual clients’ goals, risk tolerance, and liquidity needs. The firm emphasizes long-term, efficiency-focused portfolios and uses research into historical pricing, earnings, and industry growth to guide recommendations, while clients retain custody and execute trades independently.

Anders Norrman is a CFP® and CFA® credentialed financial advisor with nine years of industry experience. He is the principal of Spreckels Wealth Management in San Diego, CA, where he has worked since 2021. In addition to his advisory role, Norrman serves as a Senior Investment Officer for the San Diego City Employees' Retirement System, overseeing publicly traded equity and fixed income assets. Spreckels Wealth Management provides personal wealth management on a fee-only basis to individuals, families, trusts, estates, and family businesses. The firm employs a strategic asset-allocation approach that combines passive index/ETF exposures with actively managed funds, dividend-paying stocks, and individual bonds, offering customized portfolios and regular monitoring with quarterly reporting.

Marten Mullins is a CFP® with 13 years of industry experience, currently operating as the sole advisor at Black Horse Wealth Management in San Diego, CA. He previously held roles at JPMorgan Chase Bank and JPMorgan Securities LLC, accumulating eight years of experience at the latter. Black Horse Wealth Management provides comprehensive portfolio management and financial planning services to individuals, high-net-worth clients, trusts, estates, corporations, and retirement plans. The firm employs a multi-method investment approach emphasizing asset allocation and manages a concentrated client base, offering both discretionary and non-discretionary account oversight.

Mary Storjohann is a CFP® and holds a Series 66 license with 18 years of industry experience. She is the sole advisor at Allora Wealth, LLC, an independent firm she joined in 2025. Prior to Allora Wealth, she worked at Abacus Wealth Partners and Workable Wealth, LLC. Allora Wealth provides discretionary investment management combined with ongoing financial planning to individuals, couples, families, and related entities. The firm uses a Modern Portfolio Theory approach with primarily passive, diversified portfolios consisting of index mutual funds and ETFs, managing accounts on a discretionary basis while accommodating reasonable client-imposed restrictions.