Saahil Jain is a financial advisor at TIAA-CREF with 11 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at Morgan Stanley and E*TRADE Capital Management. Outside of his advisory role, he serves as Vice President of the homeowners association board for his condominium community in San Diego. TIAA‑CREF’s Advice & Planning Services division provides financial planning and discretionary managed account programs to individuals, trusts, estates, and corporate entities, often serving clients with ties to TIAA-administered employer retirement plans. The firm offers model and customized portfolio management under a fiduciary standard within a vertically integrated structure that includes affiliated funds.

Lucas Lowery is a financial advisor at Stratos Wealth Partners, Ltd. He holds a Series 65 designation and has one year of industry experience. His prior work includes roles at Sprott Asset Management and Real Brokerage, as well as experience in education at Miracosta College and Carlsbad High School. Stratos Wealth Partners, Ltd. is an enterprise wealth management firm managing approximately $18.6 billion in assets with around 366 advisors serving more than 24,000 clients. The firm offers advisor-managed and model-based portfolios, an open-architecture investment approach, and a range of financial planning and retirement consulting services.

Jeremy Edge is a CFP® professional with 11 years of industry experience, currently affiliated with Primerica Advisors in San Diego, CA. His career includes roles at Guardian Life Insurance Company, Park Avenue Securities, Mass Mutual Investors Services, and Northwestern Mutual. He is also a 60% owner of Edge Wealth Strategies and Insurance Solutions, Inc., a marketing entity for securities and insurance products. Park Avenue Securities LLC serves a wide range of retail clients, including individuals, high-net-worth investors, charitable organizations, and corporate clients. The firm offers both brokerage and advisory services, employing a variety of investment strategies through proprietary and third-party platforms.

Christina Lynch is a financial advisor at Breckinridge Capital Advisors Inc with 12 years of industry experience. She has held positions at Breckinridge since 2016, following prior roles at Foreside Fund Services, LLC and Gurtin Fixed Income Management, LLC. Outside of her advisory work, she teaches yoga classes at CorePower Yoga. Breckinridge Capital Advisors offers separately managed fixed income and equity strategies, sub-advisory services, and investment management for individual, high-net-worth, and institutional clients. The firm combines top-down and bottom-up research with rules-based models and emphasizes tax-aware portfolio implementation through proprietary systems.

Derek Montecinos is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and nine years of industry experience. He has been with Commonwealth Financial Network since 2016. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and managing roughly $212.7 billion in client assets. The firm provides a comprehensive adviser-support platform with various managed-account programs, third-party asset manager access, and custody and clearing services.

Jonah Tinajero is a financial advisor at Mercer Global Advisors Inc. with seven years of industry experience. He holds a Series 66 designation and has worked previously at Ameriprise Financial Services, Inc., and El Ranchito Restaurant Co. Mercer Global Advisors provides investment advisory and planning services to individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm employs a globally diversified, risk-appropriate investment approach based on Modern Portfolio Theory, utilizing a variety of investment vehicles and offering both discretionary and non-discretionary portfolio management alongside financial planning and related services.

Sandra Pappalardo is a financial advisor at Independent Financial Group, LLC with 38 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at LPL Financial, Financial Sense Securities, Inc., and CUSO Financial Services, LP. 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 through a national network of Investment Adviser Representatives and utilizes multiple advisory programs and third-party asset managers.

Eric Brelsford is a financial advisor with AE Wealth Management, LLC, holding a Series 66 designation and having 10 years of industry experience. His prior roles include positions at JPMorgan Chase Bank, N.A., JP Morgan Securities LLC, and San Diego Tax and Financial Associates. Brelsford is also involved in insurance sales through Comprehensive Advisor LLC. AE Wealth Management is an SEC-registered investment adviser serving a diverse client base, including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm utilizes a platform-centered approach that combines model portfolio solutions, discretionary asset management, financial planning, and consulting services.

Salvador Aquino Jr. is a financial advisor with Transamerica Financial Advisors, holding Series 63 and Series 65 designations and bringing nine years of industry experience. His career includes roles at World System Builders and Registered Social Security Analysts, along with leadership positions in several construction and pipeline companies. Outside of advisory work, he is involved in estimating and operations management for commercial and residential construction firms. Transamerica Financial Advisors serves a diverse client base, offering both advisory and broker-dealer services with a variety of managed portfolios and third-party money managers. The firm operates as both a registered investment advisor and a broker-dealer, supporting individual investors, retirement plans, trusts, and charitable organizations.

Jack Geise is a CFP® with three years of industry experience, currently serving as a financial advisor at Corient in San Diego, CA. His prior roles include positions at Dowling & Yahnke, LLC and Equitable Advisors. Corient provides investment advisory and financial planning services to a diverse client base that includes individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporations. The firm uses a goals-based, team investment approach combining in-house strategies with third-party managers and employs risk management tools to align portfolios with client objectives.

Jonathan Yokoyama is a financial advisor with Principal Financial Services in San Diego, CA, holding Series 63 and Series 66 licenses and having 10 years of industry experience. His prior firms include Mass Mutual Investors Services, MassMutual Life Insurance Company, Bankers Life Securities, and AXA Advisors. He also engages in the sale of various insurance products, including life, disability, annuities, health, long-term care, dental, Medicare, and medical insurance. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individuals, retirement plans, trusts, estates, charitable organizations, corporations, and active-duty military personnel. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager asset allocation and separately managed account solutions.

Raymond Wernig Jr. is a CFP® professional with nine years of industry experience. He is currently with Corient, where he has worked since 2022 after prior experience at Dowling & Yahnke, LLC. Corient provides investment advisory and financial planning services to individual, high-net-worth, institutional, and charitable clients. The firm uses a goals-based, team investment approach that combines in-house strategies with third-party managers, incorporating alternative investments and advanced risk management tools.

Joshua Wilson is a financial advisor at Transamerica Retirement Advisors, LLC with 9 years of industry experience. He holds a Series 66 designation and has previously worked at Fidelity Investments, Bank of America, Merrill, and Edward Jones. Transamerica Retirement Advisors serves participants in employer-sponsored retirement plans and IRA owners, offering managed advice programs and investment education focused on asset allocation, contribution rates, and retirement timing. The firm relies on Morningstar Investment Management for portfolio construction and oversight and operates at scale with a large client base and predominantly non-discretionary assets.

Franklin Portillo is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 13 years of industry experience. He has been affiliated with various entities within the Charles Schwab organization since 2013. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering financial reviews, retirement planning, and investment recommendations. The firm utilizes Charles Schwab’s asset allocation models and research tools, while clients retain final trading decisions.

Aaron Puttroff is a CFP® professional with 18 years of experience, currently affiliated with Primerica Advisors. He has worked extensively with Park Avenue Securities and Guardian Life Insurance Company since 2007. Outside of his advisory role, he serves on the executive committee of Provisors and is an adult quartermaster for Scouting America Troop 676. Park Avenue Securities LLC serves a diverse retail client base, offering brokerage and advisory services including financial planning and retirement consulting. The firm employs a range of proprietary and third-party investment strategies and supports various account-level services such as lending solutions and donor-advised funds.

Michael Mohr is a financial advisor with Integrated Wealth Concepts LLC in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. He previously worked at Lincoln Financial Advisors before joining Integrated Wealth Concepts and LPL Financial, where he has been since 2019. He also operates The Mohr Financial Group, a non-variable insurance business. 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, and family office services, employing customized portfolios of mutual funds, ETFs, equities, and fixed income with a primarily long-term investment approach.

Robert Molinari is a financial advisor with Commonwealth Financial Network, holding Series 63 and Series 66 licenses and 28 years of industry experience. He has been with Commonwealth since 2008. Outside of his advisory role, he serves as an advisor to OmniClient, Inc., a consulting firm based in Poway, CA. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a nationwide network of approximately 2,900 advisors and managing over $212 billion in client assets. The firm provides a broad adviser-support platform that includes managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Nikola Novakovic is a financial advisor at Primerica Advisors with 11 years of industry experience. He holds a Series 66 designation and has worked extensively with Guardian Life Insurance Company and Park Avenue Securities. Outside of his advisory role, he is co-owner of several LLCs involved in family tax planning and business operations assistance for foreign nationals. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, utilizing proprietary and third-party investment strategies across multiple platforms.

Paul Dunnicliffe is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 18 years of industry experience. He is also the owner of Lago Wealth Management, LLC, which facilitates securities, advisory, and insurance business. His prior experience includes six years at TIAA-CREF. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a wide range of advisory programs and support services, including portfolio management and retirement plan consulting, while enabling advisors to construct portfolios from diverse securities and insurance products.

Megan Ward is a financial advisor with Eagle Strategies (New York Life), holding the CFP® and ChFC® designations and over 16 years of industry experience. She also operates MW Financial & Insurance Solutions, through which she brokers insurance products not offered by New York Life. Eagle Strategies serves a broad range of individual and institutional clients, providing financial planning, investment management, and retirement-plan advisory services. The firm emphasizes tailored recommendations and primarily manages assets on a non-discretionary basis within an integrated New York Life affiliate structure.