Alice Ruiz is a CFP® with 17 years of industry experience, currently affiliated with Schwab Wealth Advisory. Her prior work includes roles at Fidelity Investments, JP Morgan Securities LLC, Wells Fargo Advisors, Merrill, and Banc of America Investment Services. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and select referred clients. The firm’s guidance is based on standard asset-allocation models and internal research, with recommendations tailored to client goals and risk tolerance.

Jalyn Lupo is a financial advisor at Guardian Life with two years of industry experience. She holds a Series 66 designation and previously worked at Triad Components Group. Jalyn was also a full-time student for ten years prior to her advisory career. Guardian Life’s subsidiary, Park Avenue Wealth Management, serves individual clients, including high-net-worth individuals, as well as institutional clients through brokerage services, financial planning, and advisory programs that include both proprietary and third-party investment strategies.

Katharine Wong Conway is a financial advisor with Transamerica Financial Advisors in San Diego, holding Series 63 and Series 66 credentials and seven years of industry experience. She previously worked at Merrill and Morgan Stanley. Outside of her advisory role, she is involved in real estate sales as an independent contractor and manages rental properties. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to a diverse client base, utilizing model portfolios and third-party managers to deliver its investment solutions.

Victoria Winkelman is a CFP® with 42 years of industry experience. She is affiliated with Planmember Securities Corporation and Barrett Financial & Investment Services, Inc. DBA MPD Wealth, where she has been involved since 1987. Winkelman’s background includes extensive experience in insurance and securities sales and services, including annuities and long-term care. Planmember Securities Corporation provides retirement-plan advisory services to employers and participants, acting as an ERISA Section 3(38) fiduciary for many plans. The firm employs a top-down strategic asset allocation approach and manages risk-based mutual fund portfolios ranging from conservative to aggressive.

Christopher Lowe is a CFP® with 23 years of industry experience. He is currently an advisor at Independent Advisor Alliance, LLC and has previously worked with Independent Financial Partners and LPL Financial. In addition to his advisory work, he serves as an adjunct professor. Independent Advisor Alliance works with a diverse client base including individuals, small businesses, charitable organizations, and retirement plans. The firm offers asset management, financial planning, and retirement consulting services, leveraging a network model and technology platforms to provide portfolio management through discretionary and non-discretionary strategies.

Kurt Cecconi is a financial advisor with Principal Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and 31 years of industry experience. He has worked with Principal Securities Inc. since 2016 and Principal Life Insurance Co. since 1998. Outside of financial advising, he serves as a board member of LETIP of El Cajon, a local networking organization. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and charitable organizations. The firm offers financial planning, retirement plan consulting, and access to third-party money manager programs under various advisory and promoter arrangements.

Galina Berkovich is a financial advisor with Integrated Wealth Concepts LLC, holding four years of industry experience. She also maintains a role as a CPA with Duffy Kruspodin, LLP, where she has worked for over 28 years. 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 services, and retirement plan advisory, implementing customized portfolios with a variety of asset types and employing both long-term and shorter-term strategies.

Charles Hartford is a financial advisor with Rockefeller Financial LLC, holding a Series 66 designation and 17 years of industry experience. Prior to joining Rockefeller, he spent 13 years at Bank of America and Merrill. Outside of his advisory work, he serves as an advisory board member and chair of the grants committee for the San Diego Police Foundation and is president of St. Paul's Lutheran Church in San Diego. Rockefeller Financial LLC serves high-net-worth and ultra-high-net-worth individuals, family offices, institutional clients, retirement plans, foundations, and corporations. The firm operates under a Private Advisor model with a consolidated investment platform, offering discretionary and non-discretionary portfolio management, financial planning, and a range of other services including broker-dealer activities and placement of alternative investment vehicles.

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, including roles at Park Avenue Securities and Guardian Life Insurance Company. In addition to her advisory work, she acts as an independent insurance broker for other insurance companies on a part-time basis. Guardian Life’s subsidiary, Park Avenue Securities LLC, offers brokerage services, financial planning, and investment advisory programs to individuals, pension plans, charitable organizations, and corporate clients. The firm provides tailored advisory solutions including discretionary and non-discretionary management and employs a hybrid digital advisory platform.

Victor Hernandez is a financial advisor with Integrity Alliance, LLC, holding a Series 66 designation and beginning his advisory career in 2026. He has worked in various capacities within the mortgage and banking sectors prior to joining Integrity Alliance. Hernandez is also involved as a business owner in several investment-related entities. Integrity Alliance serves a broad client base including individual investors and business entities, offering portfolio management, financial planning, and both wrap and non-wrap programs through a large network of over 300 advisors managing approximately $5.4 billion in assets. The firm employs diverse investment approaches and provides extensive operational support, distinguishing itself as both an SEC-registered investment adviser and broker-dealer.

Douglas Brauer is a financial advisor with Primerica Advisors based in Roseville, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been associated with Park Avenue Securities, LLC and Guardian Life Insurance Co of America since 2013 and has operated as a self-employed financial professional since 1993. Brauer also provides LegalShield coverage to business owners and clients to facilitate estate planning documents and runs a financial coaching business under Elevate Financial Coaching. Park Avenue Securities LLC serves a diverse retail client base, including individuals, high-net-worth investors, charitable organizations, and corporate clients, offering both brokerage and advisory services. The firm employs a range of investment strategies through proprietary and third-party portfolios and provides various account-level services such as lending solutions and donor-advised funds.

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.

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.

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.