Maricela Ponce Zamalloa is a financial advisor at Principal Financial Services with 27 years of industry experience. She holds the Series 63 and Series 66 credentials and has been with Principal Securities Inc. and Principal Life Insurance since 2000. In addition to her advisory role, she serves as a bank officer to support and manage Principal retirement plan account relationships. Principal Securities provides brokerage and registered investment advisory services to a diverse client base including individual investors, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions, with investment implementation often handled on a discretionary basis by TPMMs.

Adem Abate is a financial advisor at Corient in San Diego, CA, holding Series 63 and Series 65 licenses with five years of industry experience. His prior firms include UBS, Penserra Securities, JP Morgan Chase Bank, and AXA Advisors. Corient provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party managers and utilizes risk management tools and stress testing to align portfolios with client objectives.

Brian Hebert is a CFP® and Series 65-licensed advisor with Corient, based in San Diego, CA, and has three years of industry experience. His prior work includes positions at Baker Tilly US, LLP and Dowling & Yahnke, LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach combining in-house strategies and third-party managers, supported by continuous portfolio monitoring and risk management tools.

Cristina Michel is a financial advisor at Independent Financial Group, LLC with five years of industry experience. She holds the Series 66 designation and previously worked at LPL Financial, LLC and Independent Capital Management (Sage Point Financial). Outside of finance, she has been involved with Gelato Paradiso and the Sherman Heights Community Center. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs a combination of firm- and third-party models to develop client strategies and offers a range of portfolio management services across various risk profiles.

Denise Ruiz is a financial advisor at Concurrent Investment Advisors, LLC with 26 years of industry experience. She holds a Series 63 designation and has previously worked at Raymond James Financial Services and Wells Fargo Clearing. Ruiz is also affiliated as a registered representative with Purshe Kaplan Sterling Investments, Inc. Concurrent Investment Advisors is a multi-team SEC-registered firm serving individuals, families, trusts, estates, businesses, and retirement plans. The firm emphasizes customized, primarily long-term portfolios using ETFs, mutual funds, and other investment vehicles, and supports its advisors with integrated operational tools and sub-advisory relationships.

James Buchanan is a financial advisor with PNC Wealth Management and holds Series 63, 65, and 66 licenses. He has nine years of industry experience, including roles at Fisher Investments Canada, Morgan Stanley, and J.P. Morgan Securities. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital discretionary model account that uses algorithm-driven risk assessment and implements investment strategies via mutual funds and ETFs.

Michael Gottman is a CFP® with eight years of industry experience, currently serving at First Citizens Investor Services, Inc. in San Diego, CA. Prior to joining First Citizens in 2025, he worked at The Vanguard Group, Inc. from 2017 to 2025. He also has a background that includes employment at Goldman Realty and a role at San Diego State University. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension plans, charitable organizations, and corporate entities. The firm employs a client process centered on financial needs assessment and applies fundamental, quantitative, and technical analysis to portfolio allocation across various asset classes.

Dimitris Magemeneas is a financial advisor at Concurrent Investment Advisors, LLC with 19 years of industry experience. He holds a Series 66 designation and has worked at Edward Jones, Kingsview Asset Management, and the State of California. He is also the owner of Dimitris Petros Magemeneas Inc., an entity related to his advisory services. Concurrent Investment Advisors is a multi-team SEC-registered firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm offers wealth and investment management, financial planning, and retirement advisory services, employing customized, primarily long-term portfolios that include ETFs, mutual funds, and alternative investments.

Kendrick Uyeda is a Series 65-licensed financial advisor at Corient with 13 years of industry experience. He has worked at Corient and its affiliated entities since 2022 and previously spent 25 years at Dowling & Yahnke, LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate entities. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party managers and uses risk management tools and stress testing to align portfolios with client objectives.

Joshua Harlan is a financial advisor with Hightower Advisors in San Diego, CA, holding a Series 65 designation and eight years of industry experience. He has worked at Hightower Advisors since 2019 and previously at Delphi Private Advisors and Sunrise Capital Partners. Hightower Advisors provides investment advisory and planning services to a wide range of individual and institutional clients, offering portfolio management, financial planning, and retirement consulting through a multi-manager approach that includes both affiliated and third-party managers. The firm’s model incorporates proprietary research and a variety of investment vehicles to address diverse client needs, including international and institutional mandates.

Margoth Romero is a financial advisor at Hightower Advisors with 12 years of industry experience. She holds the CFP® designation and Series 63 and 65 licenses. Romero previously worked at Delphi Private Advisors for six years before joining Hightower Advisors in 2019. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s advisory approach includes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, with a focus on discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting.

Benjamin Richey is a CFP® with 22 years of industry experience, currently affiliated with Eagle Strategies (NY Life) since 2014. He has worked with New York Life Insurance Company and Nylife Securities LLC since 2003. Eagle Strategies serves individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services through a large network of affiliated advisors. The firm offers a variety of advisory programs, emphasizing tailored recommendations and managing the majority of its assets on a non-discretionary basis.

John Wolff is a financial advisor with Eagle Strategies (NY Life) in Escondido, CA, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. His career includes long-term service with Eagle Strategies and New York Life Insurance Company since 1997, alongside operating Lens Financial & Insurance Solutions. Outside of advisory work, he is the owner of Terebinth Ventures Inc., a mobile application focused on theology study. Eagle Strategies serves a diverse client base including individuals and institutional investors, providing financial planning, investment management, and retirement-plan advisory services. The firm offers various program types and emphasizes tailored recommendations, managing the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Timothy Linaugh is a financial advisor with TLG Advisors, Inc. in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at The Leaders Group Inc, Lincoln Investment, and Capital Analysts Inc. He is also involved as a Sales Vice President at Pacific Southwest Financial, where he assists insurance producers with life insurance product design and underwriting. TLG Advisors, Inc. manages approximately $2.0 billion in discretionary client assets and serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors. The firm provides investment supervisory and portfolio management, comprehensive financial and estate planning, and ERISA fiduciary services, utilizing a research approach based on fundamental analysis and Modern Portfolio Theory.

Ronald Farr is a financial advisor with Eagle Strategies (NY Life) based in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He has worked with New York Life Insurance Company since 1967 and has been affiliated with Eagle Strategies since 1999. In addition to his advisory role, Farr operates Farr Financial & Insurance Services, brokering non-registered insurance products. Eagle Strategies serves a diverse client base including individual investors, institutional plans, and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored solutions delivered through various program types, primarily managing assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Frederick Farnsworth is a financial advisor at Rockefeller Financial LLC with 45 years of industry experience. He holds Series 63 and Series 66 designations. His prior roles include positions at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. Outside of his advisory work, he owns and operates Altitude Helicopters, an educational business based in San Diego, CA. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, families, family offices, as well as institutional clients. The firm offers portfolio management, financial planning, consulting, and operates as a registered broker-dealer providing a consolidated investment platform that includes equities, fixed income, and alternatives.

Heather Mattlin is a financial advisor with D.A. Davidson & Co. in Carlsbad, CA. She holds a Series 66 designation and has one year of industry experience. Prior to joining D.A. Davidson & Co., Mattlin worked in commercial and residential real estate with KW Commercial and Keller Williams Real Estate. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base that includes retirement plans, individual investors, charitable organizations, and corporate clients. The firm offers a range of services including ERISA retirement plan advisory, comprehensive financial planning, and a Private Wealth program for high-net-worth clients.

Benjamin Hodge is a financial advisor with Integrated Wealth Concepts LLC and holds a Series 66 designation. He has 18 years of industry experience, previously working with firms including Triad Advisors, OneDigital Investment Advisors LLC, Independent Financial Partners, and LPL Financial. He is based in Escondido, CA. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, using customized portfolios and a combination of internal management and third-party asset managers.

Mark San Giacomo is a financial advisor with Guardian Life, holding Series 63 and Series 65 licenses and bringing 19 years of industry experience. He has worked with Guardian Life and Park Avenue Securities in various capacities since 2010. Outside of his advisory role, he owns a single-family rental property. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage and investment advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm offers tailored financial planning and portfolio management through a combination of advisor-led discretionary management and model-based strategies, supported by proprietary and third-party platforms.

Robert Ortbals is a financial advisor at Concurrent Investment Advisors, LLC with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked with Raymond James Financial Services and Wells Fargo Clearing. He is also employed as a financial advisor with Next Retirement Solutions. Concurrent Investment Advisors, LLC is a multi-team advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm focuses on customized, primarily long-term portfolios using ETFs, mutual funds, and other investments, and supports a network of approximately 286 advisors serving over 13,000 clients.