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.

Michael Guerrero is a CFP® professional with 20 years of experience, currently serving as a financial advisor at Mariner since 2018. His prior roles include positions at Fidelity Investments and LPL Financial. Outside of his advisory work, he acts as CFO for Cheryl Kang Guerrero DDS, Inc., providing occasional assistance without day-to-day responsibilities. Mariner serves a diverse client base through investment management, financial planning, retirement consulting, and coordinated tax and family office services. The firm employs discretionary, customized portfolios and offers integrated tax and accounting services along with administrative CFO functions and a financial wellness platform.

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.

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.

Benjamin Lucas is a CFP® with 11 years of industry experience, currently serving as a financial advisor at Schwab Wealth Advisory. His prior experience includes roles at Dunham & Associates Investment Counsel, Inc. and Janney Montgomery Scott. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on Schwab’s asset-allocation models and internal research tools, with investment selections executed only after client authorization.

Noah Babin is a financial advisor at Mariner Wealth Advisors with eight years of industry experience. He holds Series 65 and Series 63 licenses and has worked at several firms including Beacon Pointe Advisors and PKS Investments. Outside of finance, he is the founder and youth psychology coach at The Athletes Edge and serves as a head coach for youth hockey at Pacific Ridge School and Team Athletes Edge. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, providing investment management, financial planning, retirement consulting, and tax services. The firm employs customized, discretionary portfolios supported by in-house research and third-party managers, with notable integration of tax and accounting services and administrative family office capabilities.

Patrick Thebus is a financial advisor at Guardian Life with 39 years of industry experience. He holds Series 63 and Series 65 designations and has worked at firms including Park Avenue Securities and Merrill. His career spans multiple roles at Guardian Life and Park Avenue Securities since 2011. 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, consulting, and investment management solutions, combining advisor-led discretionary management with model-based strategies and proprietary digital advisory platforms.