Scott Balderas is a CFA® charterholder with 18 years of industry experience. He is currently an advisor at Schwab Wealth Advisory, where he has worked since 2022. His prior experience includes roles at Charles Schwab, Charles Schwab Bank SSB, Strategic Advisers, Inc., and Fidelity Investments. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in its program, offering annual financial reviews, retirement planning, and investment recommendations across a range of asset types. The firm operates as an internal advisory unit within the Schwab ecosystem and uses standard asset allocation models and Schwab research tools, with clients retaining final trading decisions.

Jeremy Gottlieb is a financial advisor with Integrated Wealth Concepts LLC in Carlsbad, CA, holding a Series 63 credential and 36 years of industry experience. He has worked at Integrated Wealth Concepts since 2019 and previously at Independent Financial Partners and LPL Financial. 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, constructing customized portfolios primarily using mutual funds, ETFs, individual equities, and fixed income with a mostly long-term investment approach.

Erik Nelson is a CFP®-certified financial advisor with 10 years of industry experience, currently serving at Corient. His prior roles include positions at Dowling & Yahnke, LLC, Weatherly Asset Management LP, and CIPW Service Company, LLC. Corient provides investment advisory and financial planning services to a wide range of clients, including individuals, high-net-worth clients, trusts, pension plans, and charitable organizations. The firm uses a goals-based, team investment approach combining in-house strategies with third-party manager solutions and employs risk management tools and alternative investments as appropriate.

Klindt Ginsberg is a financial advisor with D.A. Davidson & Co. in Carlsbad, CA, holding Series 63 and Series 66 licenses and bringing 33 years of industry experience. He has been with D.A. Davidson since 2013. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including employer-sponsored retirement plans, individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers ERISA retirement plan advisory services, wrap fee programs, equity research, and comprehensive financial planning, operating under fiduciary standards and employing both qualitative and quantitative investment analysis.

Lisa Youk is a financial advisor with Eagle Strategies (NY Life) in San Diego, CA, holding Series 63 and Series 66 credentials and 13 years of industry experience. She has worked with Eagle Strategies since 2017 and has been affiliated with New York Life entities since 2012. Outside of her advisory role, she performs as a professional belly dancer at various venues and charitable events. Eagle Strategies serves a broad client base, including individual investors and institutional plans, offering financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored solutions delivered through multiple program types and manages the majority of its assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Mirko Lazenby is a financial advisor at PNC Wealth Management with 39 years of industry experience. He holds the CFP® and Series 63 designations. Prior to joining PNC in 2021, he worked at BBVA Securities Inc., BBVA Wealth Solutions Inc., BBVA Compass Insurance Agency, Inc., and COMPASS Bank over an 11-year span. Outside of finance, he is a co-owner of Lazenby Yoga, a yoga class provider in California. PNC Wealth Management offers retail brokerage and advisory services through model-based programs, including an invitation-only digital portfolio solution for employees. The firm’s approach utilizes approved model strategies implemented via mutual funds and ETFs, with portfolio management delegated to third parties and algorithm-driven risk assessment.

Steven Lipps is a financial advisor with Eagle Strategies (NY Life) based in San Diego, CA. He holds the ChFC® and Series 63 designations and has 26 years of industry experience. Prior to joining Eagle Strategies in 2022, Mr. Lipps has been associated with Nylife Securities LLC and New York Life Insurance Company since 1999. He is appointed with various outside insurance carriers for brokering non-registered insurance products. Eagle Strategies serves a diverse client base including individual investors, institutional sponsors, and retirement plans, providing financial planning, investment management, and retirement-plan advisory services primarily on a non-discretionary basis. The firm operates within an integrated New York Life affiliate structure and offers multiple program types tailored to client and plan sponsor objectives.

Long Nguyen is a financial advisor at Citigroup Global Markets with Series 65 and Series 63 credentials and four years of industry experience. He previously worked at Fidelity Brokerage Services and Aston Carter. Citigroup Global Markets serves individual and institutional clients across various wealth segments, offering multi-asset, multi-manager investment strategies through discretionary and non-discretionary programs. The firm combines large institutional scale with unique market roles, including in-house research and security pricing, and provides a broad range of advisory and execution services.

Roderick Evans is a CFP® professional with 35 years of industry experience. He has worked at Independent Financial Group, LLC since 2021, following a 25-year tenure at Hornor, Townsend & Kent, Inc. Outside of his advisory role, he serves as a board member for Rancho Santa Fe Farms Golf Club. Independent Financial Group is a large, integrated advisory and brokerage firm serving individuals, trusts, corporations, business owners, and plan sponsors. The firm offers a range of investment advisory programs, financial planning, and retirement services, utilizing both in-house and third-party manager models to tailor strategies to client risk profiles.

Michael Muniz is a financial advisor with Integrated Wealth Concepts LLC in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 19 years of industry experience. He has worked at Integrated Wealth Concepts since 2019 and previously spent four years with Lincoln Financial Advisors Corporation. Integrated Wealth Concepts serves a broad client base including 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, employing a primarily long-term investment approach with customized portfolios and a range of model and wrap options.

Richard Soennichsen is a CFP® professional with 40 years of industry experience. He is currently with Independent Financial Group, LLC and has held prior roles at Grove Point Advisors, LLC, Grove Point Investments, LLC, and H. Beck, Inc. He is also a licensed California insurance agent. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of brokerage, portfolio management, financial planning, and retirement plan services through a national network of Investment Adviser Representatives.

Michael Mays is a financial advisor at Stratos Wealth Partners, Ltd. in San Diego, CA, holding Series 63 and Series 65 licenses with 27 years of industry experience. He has been with Stratos Wealth Partners and affiliated with LPL Financial since 2013. Outside of his advisory role, he serves as Treasurer and 50% shareholder of JSMD Wealth Management, Inc. Stratos Wealth Partners provides advisory services to a diverse client base, including individuals, trusts, charitable organizations, corporations, and institutional clients. The firm offers portfolio management, financial planning, and access to third-party advisory solutions through its open-architecture Strategic Wealth Management platform, emphasizing active monitoring and asset allocation across multiple custodians and sub-advisors.

Ethan Kearns is a financial advisor at Fifth Third Securities, Inc. with two years of industry experience. He holds the Series 66 designation and has prior experience at Ameriprise Financial Services, LLC and Equitable Advisors, LLC. Outside of his advisory role, he has been involved in entrepreneurial activities including operating a custom upholstery business. Fifth Third Securities, Inc. serves a diverse client base including individual, high-net-worth, and institutional clients through both investment advisory and brokerage services. The firm offers multiple program types on the Passageway Managed Account platform, utilizing third-party portfolio managers and various investment strategies such as SMA models, tax-overlay services, and direct indexing.

Danny Recht is a Series 66-licensed financial advisor with 17 years of industry experience, currently affiliated with Guardian Life and Park Avenue Securities. He has worked in various roles at both firms since 2016. Recht serves on the board of the Friends of the Israel Defense Forces (FIDF) and is a member of the San Diego Council for AIPAC, engaging in community and international relations activities. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers brokerage services, financial planning, and a range of advisory programs, utilizing both proprietary and third-party investment strategies.

David Delarosa is a financial advisor at Ameritas Advisory Services, LLC with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Ameritas and its affiliated companies since 2008. In addition to his advisory role, he operates a sole proprietorship focused on assisting clients with the preparation of informational returns for retirement plans. Ameritas Advisory Services provides fee-based investment management, financial planning, and retirement-plan advisory services to individuals, corporations, and institutional clients. The firm offers a variety of discretionary and non-discretionary programs utilizing both in-house and third-party investment managers.

Troy Pearson is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and bringing 28 years of industry experience. He has been with Independent Financial Group since 2004. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement plan services, managing approximately $11.3 billion in regulatory assets through a national network of Investment Adviser Representatives.

David Cariani is a CFP® and CFA® with 18 years of experience in financial advisory. He is currently with Private Advisor Group, LLC, where he has worked since 2022. Prior to that, he held advisory roles at Centura Wealth Advisory and Reilly Financial Advisors. Outside of his advisory work, Mr. Cariani operates under the business name Advanced Wealth Advisory, LLC. Private Advisor Group, LLC is an SEC-registered firm managing over $41 billion across more than 135,000 client relationships, serving individuals, trusts, estates, charitable organizations, and corporate and retirement plan clients. The firm offers a range of portfolio management and financial planning services, utilizing various investment strategies and third-party platforms.

John Nielander is a financial advisor with Cerity Partners LLC in San Diego, CA. He holds a Series 65 credential and has less than one year of industry experience. Prior to joining Cerity Partners, he spent several years in full-time education and held positions at the University of San Diego. Cerity Partners provides customized wealth management and related services to a diverse national client base, including high-net-worth individuals, families, trusts, business entities, and institutional investors. The firm employs tailored asset allocation and manager selection processes, incorporating proprietary quantitative screens and third-party managers, and offers access to alternative and private-market investments.

Brian Solomon is a financial advisor with Kestra Advisory, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. Prior to joining Kestra in 2025, he spent 20 years with Independent Financial Group, Inc. and Independent Financial Group, LLC. Outside of his advisory role, he is the owner of Solomon Wealth Management, a tax and accounting firm, and serves on the board of the Boys and Girls Club of Northwest San Diego. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base, including plan sponsors, institutional, and individual clients. The firm offers a range of services from fiduciary consulting and plan-level investment advice to employee education and pooled plan solutions, supporting complex products within a supervisory framework and serving large institutional investors.

Jennifer Hart is a financial advisor with Stratos Wealth Partners, Ltd, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Stratos Wealth Partners since 2010 and has also worked at LPL Financial, LLC since 2017. Stratos Wealth Partners provides advisory services to a diverse client base, including individual investors, trusts, charitable organizations, corporations, and retirement plans. The firm offers an open-architecture Strategic Wealth Management platform that supports both advisor-managed and model-based portfolios, utilizing multiple custodians and a variety of affiliated and third-party sub-advisors.