Jalen Lee is a financial advisor at Guardian Life with a Series 66 designation and one year of industry experience. His prior roles include positions at Park Avenue Securities, Marine Street Financial, and REV77, as well as teaching experience at Arizona State University and local schools. He works at Park Avenue Securities LLC, a wholly owned subsidiary of The Guardian Life Insurance Company of America, which provides brokerage and advisory services to individuals, plan sponsors, charitable organizations, and businesses. The firm offers tailored financial planning, discretionary and non-discretionary investment management, and access to proprietary and third-party advisory solutions.

Francesco Ruggeri is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. His prior roles include positions at TCFG Investment Advisors, Securities America Advisors, and Wells Fargo, among others. Outside of advisory services, Ruggeri is a passive investor in several restaurant ventures, including a San Francisco omakase restaurant, and holds ownership in related business entities. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and institutional plans. The firm employs a combination of strategic asset allocation and multi-manager portfolios, offering both discretionary and non-discretionary management through various platforms and third-party managers.

Shannon Foster is a CFP® certificant with seven years of industry experience, currently working at Schwab Wealth Advisory, Inc. since 2019. Prior to joining Schwab, she worked at The Vanguard Group and has experience with Charles Schwab and Zoe Boutique. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning primarily for clients enrolled in the Schwab Wealth Advisory program. The firm uses standard asset-allocation models and internal research tools to deliver tailored investment recommendations without exercising discretionary trading authority.

Brian Zimmerman is a financial advisor with Independent Financial Group, LLC in San Diego, CA, holding Series 63 and Series 66 licenses and over 32 years of industry experience. He has been with Independent Financial Group since 2012 and previously worked at Modern Capital Advisors, LLC. Outside of his advisory role, Zimmerman serves as president of the networking group LE TIP and is a board member of Torah High School. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm offers financial planning and portfolio management through various platforms and employs a model-driven investment process combining strategic asset allocation with active and passive management.

Nathan Moore is a CFA® credentialed advisor with Independent Financial Group, LLC in San Diego, CA. He has one year of industry experience and previously worked at EbitDATA CRE and The Niki Group. Independent Financial Group, LLC offers investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm uses firm- and third-party models to develop client strategies, combining strategic asset allocation with multi-manager portfolios that include both passive and active investments.

Adem Abate is a financial advisor at Corient in San Diego, CA, holding Series 63 and Series 65 licenses with five years of industry experience. His prior firms include UBS, Penserra Securities, JP Morgan Chase Bank, and AXA Advisors. Corient provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party managers and utilizes risk management tools and stress testing to align portfolios with client objectives.

Joshua Block is a financial advisor at Mercer Global Advisors Inc. in San Diego, CA, holding a Series 65 designation with one year of industry experience. Prior to joining Mercer, he worked at RemoteLink Solutions and studied at San Diego State University. Mercer Global Advisors provides investment advisory and related planning services to a diverse client base, including individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm’s investment approach is based on Modern Portfolio Theory, emphasizing globally diversified, risk-appropriate portfolios with multi-factor strategies, low-cost index vehicles, regular rebalancing, and tax management.

Brian Hebert is a CFP® and Series 65-licensed advisor with Corient, based in San Diego, CA, and has three years of industry experience. His prior work includes positions at Baker Tilly US, LLP and Dowling & Yahnke, LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach combining in-house strategies and third-party managers, supported by continuous portfolio monitoring and risk management tools.

Cristina Michel is a financial advisor at Independent Financial Group, LLC with five years of industry experience. She holds the Series 66 designation and previously worked at LPL Financial, LLC and Independent Capital Management (Sage Point Financial). Outside of finance, she has been involved with Gelato Paradiso and the Sherman Heights Community Center. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate plans. The firm employs a combination of firm- and third-party models to develop client strategies and offers a range of portfolio management services across various risk profiles.

Denise Ruiz is a financial advisor at Concurrent Investment Advisors, LLC with 26 years of industry experience. She holds a Series 63 designation and has previously worked at Raymond James Financial Services and Wells Fargo Clearing. Ruiz is also affiliated as a registered representative with Purshe Kaplan Sterling Investments, Inc. Concurrent Investment Advisors is a multi-team SEC-registered firm serving individuals, families, trusts, estates, businesses, and retirement plans. The firm emphasizes customized, primarily long-term portfolios using ETFs, mutual funds, and other investment vehicles, and supports its advisors with integrated operational tools and sub-advisory relationships.

Michael Gottman is a CFP® with eight years of industry experience, currently serving at First Citizens Investor Services, Inc. in San Diego, CA. Prior to joining First Citizens in 2025, he worked at The Vanguard Group, Inc. from 2017 to 2025. He also has a background that includes employment at Goldman Realty and a role at San Diego State University. First Citizens Investor Services, Inc. provides advisory and brokerage services to individuals, pension plans, charitable organizations, and corporate entities. The firm employs a client process centered on financial needs assessment and applies fundamental, quantitative, and technical analysis to portfolio allocation across various asset classes.

Dimitris Magemeneas is a financial advisor at Concurrent Investment Advisors, LLC with 19 years of industry experience. He holds a Series 66 designation and has worked at Edward Jones, Kingsview Asset Management, and the State of California. He is also the owner of Dimitris Petros Magemeneas Inc., an entity related to his advisory services. Concurrent Investment Advisors is a multi-team SEC-registered firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm offers wealth and investment management, financial planning, and retirement advisory services, employing customized, primarily long-term portfolios that include ETFs, mutual funds, and alternative investments.

Kendrick Uyeda is a Series 65-licensed financial advisor at Corient with 13 years of industry experience. He has worked at Corient and its affiliated entities since 2022 and previously spent 25 years at Dowling & Yahnke, LLC. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, and corporate entities. The firm employs a goals-based, team investment approach that integrates in-house strategies with third-party managers and uses risk management tools and stress testing to align portfolios with client objectives.

Joshua Harlan is a financial advisor with Hightower Advisors in San Diego, CA, holding a Series 65 designation and eight years of industry experience. He has worked at Hightower Advisors since 2019 and previously at Delphi Private Advisors and Sunrise Capital Partners. Hightower Advisors provides investment advisory and planning services to a wide range of individual and institutional clients, offering portfolio management, financial planning, and retirement consulting through a multi-manager approach that includes both affiliated and third-party managers. The firm’s model incorporates proprietary research and a variety of investment vehicles to address diverse client needs, including international and institutional mandates.

Margoth Romero is a financial advisor at Hightower Advisors with 12 years of industry experience. She holds the CFP® designation and Series 63 and 65 licenses. Romero previously worked at Delphi Private Advisors for six years before joining Hightower Advisors in 2019. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s advisory approach includes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, with a focus on discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting.

Bridgette Ziolkowski is a financial advisor with Valic Financial Advisors in San Diego, CA, holding a Series 66 designation and 12 years of industry experience. She has been with Valic Financial Advisors since 2012 and is also involved in coaching through Clear Intentions Coaching, where she practices as an energy healer and facilitator specializing in modalities such as Reiki and breathwork. Additionally, she rents a Tesla Model 3 through the Turo platform. Valic Financial Advisors primarily serves U.S.-domiciled individual investors, including high-net-worth and ultra-high-net-worth clients, as well as corporate and retirement-plan participants. The firm offers discretionary managed-account programs, financial planning, and brokerage services, utilizing Envestnet-developed UMA models for portfolio construction.

Mahalene Dulay is a financial advisor with Kestra Advisory in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. She previously worked at Foresters Advisory Services LLC and Foresters Financial Services. Outside of her advisory role, she is involved as a PTA board member focusing on diversity and inclusion, and she owns two ventures focused on financial education and consulting for financial professionals. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients, offering services such as plan design, fiduciary consulting, and employee education. The firm manages approximately $79.8 billion in assets and serves a diverse client base, including large institutional investors and sovereign wealth funds.

Timothy Linaugh is a financial advisor with TLG Advisors, Inc. in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at The Leaders Group Inc, Lincoln Investment, and Capital Analysts Inc. He is also involved as a Sales Vice President at Pacific Southwest Financial, where he assists insurance producers with life insurance product design and underwriting. TLG Advisors, Inc. manages approximately $2.0 billion in discretionary client assets and serves individuals, retirement plans, trusts, estates, charitable organizations, businesses, and institutional investors. The firm provides investment supervisory and portfolio management, comprehensive financial and estate planning, and ERISA fiduciary services, utilizing a research approach based on fundamental analysis and Modern Portfolio Theory.

Ronald Farr is a financial advisor with Eagle Strategies (NY Life) based in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 50 years of industry experience. He has worked with New York Life Insurance Company since 1967 and has been affiliated with Eagle Strategies since 1999. In addition to his advisory role, Farr operates Farr Financial & Insurance Services, brokering non-registered insurance products. Eagle Strategies serves a diverse client base including individual investors, institutional plans, and charitable organizations, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored solutions delivered through various program types, primarily managing assets on a non-discretionary basis within an integrated New York Life affiliate structure.

Gabriel Martin is a financial advisor at Citigroup Global Markets with 21 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Citigroup Global Markets since 2007. Citigroup Global Markets serves individual and institutional clients, offering a broad range of investment advisory programs and execution services across multiple wealth segments. The firm employs multi-asset, multi-manager strategies and maintains unique market roles including in-house research, swap dealing, and futures commission merchant activities.