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.

Brian Ishihara is a financial advisor at Creative Planning with 21 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked for Mosaic Pacific Investment Advisors for 12 years. He is based in San Diego, CA. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals and institutional clients. The firm employs a financial-planning-led investment approach emphasizing low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets across more than 1,100 advisors.

Alexander Le is a financial advisor with Transamerica Financial Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and possessing 10 years of industry experience. He is currently president of Ale Holdings, Inc., which serves as his business administration entity, and also leads Elevate Financial Partners LLC, a website marketing venture. Le has been with Transamerica Financial Advisors since 2016 and has prior experience with WFGIA. Transamerica Financial Advisors serves a broad client base including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers advisory and broker-dealer services featuring proprietary and third-party model portfolios, discretionary and non-discretionary program options, and integrated retirement and recordkeeping support.

James Nuanez is a financial advisor with United Planners' Financial Services of America and has 38 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with United Planners since 2008. In addition to his advisory work, he is involved with CDT Solutions, a company that provides screening services for professional athletes. United Planners Financial Services serves a diverse client base including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm operates an open-architecture platform using multiple custodians and third-party money managers, offering both fee-based and commission-based solutions through its network of 477 independent Investment Advisor Representatives.

Allison Williams is a financial advisor with Stratos Wealth Partners, Ltd., holding a Series 66 designation and 19 years of industry experience. She has worked at LPL Financial since 2015 and previously at Wells Fargo Clearing from 2007 to 2015. Stratos Wealth Partners is an SEC-registered enterprise advisory firm with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base including high-net-worth individuals, retirement plans, corporations, nonprofits, and institutional clients, offering a range of services from financial planning to outsourced CIO solutions through an open-architecture platform.

James Reopelle is a Series 66 credentialed financial advisor with 42 years of industry experience. He has worked at Independent Financial Group, LLC since 2021 and was previously with Hornor, Townsend & Kent, Inc. for 25 years. He serves as Chair Emeritus on the board of the Sharp HealthCare Foundation. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, and pension plans. The firm offers financial planning and portfolio management utilizing firm- and third-party models, combining passive and active investment strategies tailored to client risk profiles.

Kyle Riharb is a financial advisor with PlanMember Securities Corporation in San Diego, CA, holding Series 65 and Series 63 licenses and two years of industry experience. He has worked with MPD Wealth and Barrett Financial and Investment Services, Inc. Outside of financial advising, he is a co-founder of Shaka Bites, an energy bar manufacturer. 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 employs a top-down strategic asset allocation framework and manages risk-based mutual fund portfolios, delivering education and support services such as seminars and personalized retirement planning.

Douglas Hall is a financial advisor with United Planners' Financial Services of America and holds the Series 63, Series 65, and Series 66 licenses. He has 29 years of industry experience, including prior roles at Independent Financial Group, LLC and his own consulting firm, Doug Hall Consulting. He currently owns Doug Hall Consulting, providing consulting services in San Diego, CA. United Planners Financial Services serves a diverse client base, including individuals, corporations, charitable organizations, retirement plans, and institutional clients. The firm offers financial planning, portfolio management, retirement plan services, and brokerage solutions through an open-architecture platform with multiple custodians and third-party money managers.

Luka Vujovich is a financial advisor at Guardian Life with seven years of industry experience. He holds a Series 66 designation and has prior work experience at Park Avenue Securities and Systems Source. He also operates as an independent contractor offering non-Guardian insurance products. Guardian Life, through its subsidiary Park Avenue Wealth Management, 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 investment solutions, combining advisor-led discretionary management with model-based strategies and a variety of proprietary and third-party platforms.

Jeff Boyd is a CFP® professional with 27 years of industry experience, currently serving at Independent Financial Group, LLC since 2011. His prior work includes roles at Advanced Wealth Planning, First Allied Securities, Inc., and SPC. Outside of his advisory work, he serves as a board member for the nonprofit Teule Kenya and for Grove Church. 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 utilizes a combination of firm- and third-party investment models, offering discretionary and non-discretionary portfolio management, and employs strategic asset allocation with both passive and active exposures across various risk profiles.

Darren Wagerman is a financial advisor at Voya Financial Advisors, Inc. with 26 years of industry experience. He holds Series 63 and Series 65 registrations and has worked at Voya Retirement Advisors, LLC since 2021 and at Voya Financial Advisors, Inc. since 2020, following a 20-year tenure at Great West Life & Annuity Insurance Company. Outside of advising, he drives for Lyft during weekends and holidays. Voya Financial Advisors, Inc. is an enterprise-scale advisory and broker-dealer affiliate of Voya Financial that serves individuals, pension plans, charitable organizations, and corporate clients. The firm offers financial planning, portfolio management, unified managed accounts, and retirement-plan services through a network of advisers, employing both in-house and external strategies with a focus on non-discretionary client relationships.

Lucien Heilbronner is a Series 65-licensed financial advisor at Focus Partners Wealth, LLC with one year of industry experience. His prior roles include positions at The Colony Group, LLC, HoyleCohen, LLC, and Brown Advisory. He also has experience working at Towson University. Focus Partners Wealth serves individuals, families, charitable organizations, corporations, and institutional retirement plans, providing 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 investment approach that integrates active and passive strategies and tailors portfolios to client-specific risk and tax considerations.

Savanna Steed is a financial advisor at Stratos Wealth Partners, Ltd with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at firms including LPL Financial, OSAIC, Triad Advisors, and Key Investment Services. Steed also has a background in accounting from Washington State University. Stratos Wealth Partners, Ltd is an SEC-registered enterprise advisor with approximately 379 advisors and $18.6 billion in assets under management. The firm serves individuals, retirement plans, corporations, nonprofits, and institutional clients through an open-architecture investment approach and offers advisor-managed programs, financial planning, third-party manager solutions, and outsourced CIO services.

Benjamin Weinberg is a CFP® professional with one year of experience currently working at Corient in San Diego, CA. He previously held roles at Centura Wealth Advisory and Davies Financial Advisors. Outside of finance, he was involved with the Viper Volleyball Club in 2023–2024. Corient provides investment advisory and financial planning services to a diverse client base, 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 and third-party managers, with capabilities in private funds and affiliated trust services.

Britta Ferguson is a CFP® professional with 12 years of industry experience, currently serving at Wealth Enhancement Advisory Services, LLC. Her career includes prior roles at LPL Financial LLC, First American Trust, Canter Wealth, and Fidelity. She is based in Coronado, CA. Wealth Enhancement Advisory Services provides financial planning, asset management, retirement-plan consulting, and managed account referrals for individuals, high-net-worth clients, corporations, and retirement plans. The firm manages over $122 billion in assets through a large network of advisors and employs a diversified investment approach that combines passive and active management overseen by an internal Investment Committee.

Nemanja Selezan is a financial advisor with Guardian Life, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. His work history includes multiple roles at Guardian Life and Park Avenue Securities, where he has served clients since 2014. Outside of his advisory duties, he is a council member of the Western Diocese. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, high-net-worth clients, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers tailored client relationships through advisor-led discretionary management and model-based strategies, combined with access to insurance products, alternative investments, and integrated lending options.

Trang Dinh Noonan is a financial advisor with Transamerica Financial Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. She has been affiliated with Transamerica Financial Advisors since 2012 and is also involved in several other ventures, including serving as owner and CEO of Pulsabilities, a company offering health and wellness programs to organizations. Additionally, she has experience as a nurse at Scripps Memorial Hospital and manages a family-run business that hires her children for clerical and social media tasks. Transamerica Financial Advisors serves a diverse client base that includes individual investors, pension plans, trusts, and corporations, offering a combination of advisory and broker-dealer services. The firm provides access to proprietary and third-party investment models with discretionary and non-discretionary program options.

Patrick Ru is a CFA® charterholder with 21 years of industry experience. He currently works at Schwab Wealth Advisory and has prior experience with Neuberger Berman, JPMorgan Securities LLC, and JPMorgan Chase Bank NA. He holds ownership interests in investment entities related to his former employer, Neuberger Berman, though he is not active in those businesses. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and selected Charles Schwab & Co.-referred clients. The firm’s advice is guided by proprietary asset-allocation models and research tools, with investment decisions executed only upon client authorization.