Joseph Forlenza is a Certified Financial Planner (CFP®) and Certified Public Accountant (CPA®) with 26 years of experience in financial advising. He has worked with firms including Integrated Wealth Concepts LLC, SkyCity Advisors, Laurel Wealth Advisors, and Ameriprise Financial Services, and he also operates his own CPA tax preparation service. Outside of advising, Mr. Forlenza serves as President of the California Society of CPA's Education Foundation and is an adjunct professor at the University of San Diego, where he teaches financial planning. 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, and family office services, combining a long-term investment approach with tailored portfolio construction and oversight of third-party asset managers.

Alisa Le is a financial advisor with Guardian Life and holds a Series 66 designation. She has 18 years of industry experience and has worked at both Park Avenue Securities and Guardian Life Insurance Company since 2006. Outside of her advisory role, she works as an independent insurance broker. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and advisory solutions, combining advisor-led discretionary management with model-based strategies through proprietary and third-party platforms.

Douglas Brauer is a financial advisor with Guardian Life and Park Avenue Securities, holding Series 63 and Series 65 designations and possessing 29 years of industry experience. He has been with Guardian Life and Park Avenue Securities since 2013 and has been self-employed since 1993. Outside of advisory work, he provides LegalShield coverage to business owners and clients for estate planning documents and serves on the Endowment Committee of St. Matthew Lutheran Church. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, high-net-worth clients, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a combination of advisor-led discretionary management, model-based strategies, and digital advisory solutions, along with access to proprietary and third-party investment platforms.

Caleb Rodriguez is a financial advisor at NewEdge Advisors with nine years of industry experience. He holds the Series 65 designation and has previously worked at LPL Financial, Epstein & White Financial, Mercer Global Advisors Inc., and Jackson Financial Management. NewEdge Advisors is an enterprise-scale registered investment adviser serving individuals, pension and profit-sharing plans, corporations, trusts, estates, and charitable organizations through a network of independent advisers. The firm offers a broad range of services including portfolio management, financial planning, retirement consulting, and access to various advisory programs, utilizing technology and centralized due diligence in its investment approach.

Ryan Degrazier is a Certified Financial Planner (CFP®) with 10 years of experience. He has worked with DeGrazier & Associates and PlanMember Securities Corporation since 2016. Degrazier provides financial advisory services including securities and insurance sales, as well as tax preparation. PlanMember Securities Corporation offers retirement-plan advisory services to employers and participants, serving as an ERISA Section 3(38) fiduciary for many plans. The firm emphasizes a top-down strategic asset allocation process and manages unitized, risk-based mutual fund portfolios, providing education and support through seminars, service centers, and personalized retirement planning.

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.

Morgan Smith Jr. is a CFP® with 23 years of industry experience, currently affiliated with Beacon Pointe Advisors, LLC. His prior experience includes roles at Constitution Wealth LLC, Worthpointe, LLC, Trovena, LLC, Exencial Wealth Advisors, Miller/Russell & Associates, Inc., Banc Of America Investment Services, Inc., and Ameriprise. Beacon Pointe Advisors provides wealth advisory, consulting, financial planning, retirement-plan platform services, and outsourced chief investment officer services to individual investors, corporations, pension and profit-sharing plans, and institutional clients. The firm combines asset-allocation modeling with third-party independent managers and employs active and passive strategies across public and private asset classes.

Qinghua Liu is a financial advisor with Transamerica Financial Advisors in San Diego, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. Liu has been with Transamerica Financial Advisors since 2012 and also serves as president of LLL Leadership Enterprise, Inc., a business related to his work with WFG. Transamerica Financial Advisors serves a diverse client base including individual investors, pension and profit-sharing plans, trusts, and corporations. The firm offers both advisory and broker-dealer services, employing proprietary and third-party model portfolios with a mix of discretionary and non-discretionary program options.

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) based in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 13 years of industry experience. He has been associated with New York Life Insurance Co. and its affiliates since 2012. Outside of his advisory role, he is involved in insurance brokering through a separate business entity. Eagle Strategies serves both individual and institutional clients by providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and manages a large asset base primarily on a non-discretionary basis within the integrated New York Life affiliate structure.

Michael Lewis is a financial advisor at Guardian Life with one year of industry experience. He holds a Series 66 designation and has previously worked at Park Avenue Securities and several other firms. Lewis is also engaged as an independent contractor in insurance outside of Guardian Life. Guardian Life’s subsidiary, Park Avenue Securities LLC, offers brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm provides tailored client solutions through a combination of advisor-led discretionary management, model-based strategies, and a range of proprietary and third-party investment platforms.

Ava Henry is a financial advisor with Guardian Life and holds a Series 66 designation. She has one year of industry experience and previously worked at Shake Smart and KC's American Kitchen. Ava is also involved with Henry Mechanical, a business she has been affiliated with since 2018. Guardian Life’s subsidiary, Park Avenue Securities LLC, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers a range of financial planning and advisory solutions combining advisor-led discretionary management with model-based strategies and access to insurance products and alternative investments.

Patrick Mc Grath is a financial advisor at Allworth Financial, L.P. with eight years of industry experience. He holds Series 66 and Series 63 designations. His prior experience includes roles at The Vanguard Group, Inc. and Hall Private Wealth Advisors. Allworth Financial serves a diverse client base including individual investors, high-net-worth clients, pension plans, and charitable organizations, offering financial planning, portfolio management, retirement plan consulting, and educational resources. The firm uses both quantitative and qualitative analysis to create customized investment strategies and manages a range of portfolios including specialist options such as ESG and Christian Values.

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 at Eagle Strategies (NY Life) with six years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Bankers Life Advisory Services and Bankers Life & Casualty. Outside of his advisory role, he is an independent contractor involved in brokering non-registered insurance products. Eagle Strategies serves a diverse client base including individual investors, defined contribution and defined benefit plans, as well as charitable and corporate clients. The firm provides financial planning, investment management, and retirement-plan advisory services, emphasizing tailored recommendations and primarily managing assets on a non-discretionary basis.

Colin Dickerson is a financial advisor with Empower Advisory Group in San Diego, CA, holding Series 63 and Series 65 licenses and four years of industry experience. He previously worked at Personal Capital Advisors Corporation and Empower Financial Services. Outside of finance, he has experience working in the hospitality industry. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage clients. The firm’s integrated approach leverages proprietary and third-party methodologies focused on long-term portfolio returns and savings rates within plan lineups selected by plan sponsors.

Lars Ronten is a financial advisor with Guardian Life based in San Diego, CA, holding a Series 66 designation and seven years of industry experience. He has worked at several firms, including Northwestern Mutual Wealth Management Company and Edward Jones. Guardian Life’s Park Avenue® Wealth Management provides brokerage and advisory services to individuals, businesses, and organizations, combining advisor-led discretionary management with model-based strategies and a range of proprietary and third-party solutions.

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® professional with 11 years of experience in financial advising. He is currently with Focus Partners Wealth, LLC and previously worked at The Colony Group, LLC and Hoylecohen LLC. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans with services including investment management, financial planning, tax and compliance support, family office and business management, and employee benefit retirement plan services. The firm employs a long-term, tax- and fee-sensitive investment approach using a blend of active and passive strategies, third-party managers, private funds, and tactical overlays, customizing portfolios to clients’ specific risk, liquidity, and tax needs.

Melissa Marin is a financial advisor with Integrated Wealth Concepts LLC, holding Series 65 and Series 66 credentials and bringing 24 years of industry experience. Her prior roles include positions at Commonwealth Financial Network, John Hancock, and Manning Wealth Management. She is also involved with a retirement-focused business under Integrated Wealth Concepts. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a large network of independent advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing a mix of internally managed and third-party strategies with a long-term investment approach.