Justin Frisco is a financial advisor with Principal Financial Services, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been associated with multiple firms, including Frisco Financial and Insurance Services and Mahdion Financial and Insurance Center, in addition to Principal Life Insurance Co. Outside of his advisory work, he serves as president of the San Diego Kiwanis Club and is a board member of Laurels for Leaders, a nonprofit organization in San Diego. 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 stationed outside the U.S. The firm offers financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Bradford Byrns is a financial advisor with Commonwealth Financial Network in Dublin, CA, holding Series 63 and Series 66 licenses and having 12 years of industry experience. Prior to joining Commonwealth and Aegis Consulting in 2025, he worked at Lincoln Financial Advisors for 11 years. He also spends a small portion of his time on fixed insurance sales. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients, offering a range of advisory programs, wealth management, and retirement plan consulting services. The firm provides operational, trading, technology, investment management, compliance, and practice-management support to its affiliated advisors.

Steven De Grazier is a financial advisor with PlanMember Securities Corporation in San Diego, CA, holding Series 63 and Series 65 licenses and nine years of industry experience. He has operated DeGrazier & Associates since 2017, concurrently with his role at PlanMember Securities Corporation. PlanMember provides retirement-plan advisory services to employers and plan participants, acting as an ERISA Section 3(38) fiduciary for many plans and offering participant-level investment options through its PlanMember Asset Allocation Portfolios. The firm’s investment approach centers on a top-down strategic asset allocation framework combined with the management of risk-based mutual fund portfolios, supplemented by education and support services for plan sponsors and participants.

Siyavash Askari is a financial advisor with Eagle Strategies (NY Life) in San Diego, CA, holding Series 63 and Series 65 licenses with 12 years of industry experience. He has been associated with New York Life Insurance Company and its affiliates since 2012. Outside of his advisory role, he is involved in insurance brokering through separate entities to support related business activities. Eagle Strategies serves a diverse client base including individuals and institutions, providing financial planning, investment management, and retirement-plan advisory services. The firm offers multiple program types, emphasizing tailored recommendations and managing the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Jonathan Good is a Series 66-credentialed financial advisor with 18 years of industry experience. He joined Commonwealth Financial Network in 2023 after spending a decade with Principal Securities Inc and Principal Life Insurance Company. He is based in San Diego, California. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and a large base of individual and institutional clients. The firm provides a broad adviser-support platform including managed-account programs, third-party asset manager access, retirement consulting, and custody services.

Michael Lewis is a financial advisor with Primerica Advisors in San Diego, CA. He holds a Series 66 designation and has experience working with Park Avenue Securities and Guardian Life Insurance Company. Outside of his advisory role, he operates as an independent contractor in insurance unrelated to Guardian. Park Avenue Securities serves a diverse retail client base including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, utilizing a range of proprietary and third-party investment strategies and platforms.

Ava Henry is a Series 66–licensed advisor affiliated with Guardian Life and Park Avenue Securities. She has one year of industry experience and previously worked in food service and mechanical services while completing her education. Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, provides brokerage, financial planning, and retirement consulting services to individuals, pension plans, charitable organizations, and corporations, utilizing a range of proprietary and third-party investment advisory programs.

Christine Martinez is a financial advisor at Commonwealth Financial Network with four years of industry experience. She previously worked at Independent Financial Group, LLC and Cohn & Company. Outside of finance, she has worked as an independent contractor specializing in mobile wedding gown preservation and as a health coach. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing over $210 billion in client assets. The firm provides a broad adviser-support platform, including managed-account programs, third-party asset manager access, and custody/clearing services.

Patrick Mc Grath is a financial advisor at Allworth Financial, L.P. in San Diego, CA, with eight years of industry experience. He holds Series 66 and Series 63 licenses. Prior to joining Allworth, he worked at The Vanguard Group, Inc. for five years and Hall Private Wealth Advisors for one year. Allworth Financial is a fee-based SEC-registered adviser serving individuals, qualified retirement plans, trusts, estates, charitable organizations, and corporate clients. The firm employs customized portfolios using various model strategies and utilizes technology to manage held-away employer retirement accounts without client credentials.

Jack Frantz is a financial advisor at Principal Financial Services with Series 63 and Series 65 licenses and two years of industry experience. His prior roles include positions at Principal Securities, Principal Life Insurance Co, and several financial institutions and service companies. He is also involved in the sale of various insurance products, including life, disability, annuities, health, and Medicare-related insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse clientele, including individual investors, retirement plans, trusts, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement consulting, and access to third-party money manager solutions under different advisory and promoter arrangements.

Sean Son Phan is a financial advisor with Eagle Strategies (NY Life) based in San Diego, CA. He holds Series 65 and Series 63 licenses and has six years of industry experience, including roles at Bankers Life Advisory Services, Inc. and New York Life. Outside of his advisory work, he is an independent contractor involved in insurance brokering with outside carriers. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, and corporate clients. The firm offers financial planning, investment management, and retirement-plan advisory services, emphasizing tailored solutions and managing most assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Colin Dickerson is a financial advisor at Empower Advisory Group with four years of industry experience. He holds Series 63 and Series 65 designations. His prior work includes roles at Personal Capital Advisors Corporation and Empower Financial Services, as well as a position at Pacific Beach Alehouse. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, along with Empower Premier IRA and certain retail brokerage clients. The firm’s approach integrates proprietary and third-party methodologies focused on long-term portfolio returns and savings rates, offering both point-in-time financial plans and optional managed account solutions.

Lars Ronten is a financial advisor at Guardian Life with six years of industry experience. He holds the Series 66 designation and has worked with firms including Northwestern Mutual and Edward Jones. His professional background spans both wealth management and insurance sectors. Guardian Life’s subsidiary, Park Avenue Securities LLC, serves a diverse client base including individuals, pension and profit-sharing plans, and charitable organizations. The firm offers brokerage services, financial planning, retirement plan consulting, and a variety of investment advisory programs utilizing both proprietary and third-party models.

Hanna Kennedy is a CFP® and holds a Series 65 license, with six years of industry experience. She has worked at Creative Planning since 2021 and previously held roles at Reilly Financial Advisors, the County of San Diego, and Burger Lounge Restaurants. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base that includes individuals, pension and profit-sharing plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies while incorporating private market investments and sub-advisory arrangements.

Ty Summerlin is a CFP® with 11 years of industry experience, currently with Focus Partners Wealth, LLC. He previously worked at HoyleCohen LLC for 10 years before joining The Colony Group, LLC. Focus Partners Wealth serves a broad range of clients including individuals, high-net-worth families, corporate and institutional investors, offering investment management, financial counseling, family office, and retirement plan services. The firm employs a long-term, tax- and fee-sensitive investment approach that integrates fundamental and quantitative analysis, along with a network of affiliated service companies providing insurance, lending, and real estate investment options.

Melissa Marin is a financial advisor with Integrated Wealth Concepts LLC and holds Series 65 and Series 66 licenses. She has 23 years of industry experience and has previously worked with firms including Commonwealth Financial Network, Manning Wealth Management, and John Hancock. Marin is involved with RetirementDNA, an affiliated investment-related business focused on retirement planning. 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, managing portfolios using mutual funds, ETFs, equities, and fixed income with both long-term strategies and shorter-term adjustments.

Derek Hess is a financial advisor with Integrated Wealth Concepts LLC, holding CPA credentials and possessing 19 years of experience at Duffy Kruspodin LLP prior to joining Integrated Wealth Concepts in 2025. He serves as a partner at Duffy Kruspodin LLP, a CPA firm. Integrated Wealth Concepts LLC 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, consulting, and family office services, employing customized portfolios with a long-term approach and utilizing mutual funds, ETFs, equities, and fixed income.

Freddy Santizo is a financial advisor at First Command Advisory Services with two years of industry experience. He holds the Series 66 designation and has held roles at several First Command entities since 2023. Prior to that, he worked at Valley Forge Flag, Four Wheel Campers, Saladino's, and Coremark. First Command Advisory Services, Inc. is an SEC-registered investment adviser that serves individuals, corporate, and charitable clients, with a particular focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs managed through a centralized Investment Management Team and Wealth Portfolio Managers.

Erik Kumas is a financial advisor at Commonwealth Financial Network with 13 years of industry experience. He holds a Series 66 designation and has worked at Commonwealth Financial Network since 2016, with a one-year tenure at Kingswood Capital Partners, LLC. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and managing about $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform, including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Patrick Thebus is a financial advisor with Primerica Advisors based in Escondido, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes multiple roles at Park Avenue Securities and Guardian Life Insurance Company dating back to 2011. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients, offering brokerage and advisory services along with financial planning and consulting. The firm utilizes a mix of proprietary and third-party investment strategies and supports various account-level services such as lending solutions and donor-advised funds.