John Dugan is a CFP® and Series 66 credentialed advisor with 22 years of industry experience. He has been with Pure Financial Advisors, LLC since 2014. Pure Financial Advisors provides financial planning and portfolio management primarily for individual and high-net-worth clients, as well as services for trusts, estates, charitable organizations, and pension and profit-sharing plans. The firm employs a planning-centered investment approach overseen by an Investment Committee, incorporating modern portfolio theory, tax-aware strategies, and use of sub-advisers for specialized portfolio sleeves.

Steven Payne is a CFP® with 37 years of experience in the financial industry. He is currently with United Capital Financial Advisors and has previously worked with LPL Financial, Girard Securities, and Cetera Advisor Networks. Outside of his advisory work, he plays guitar in the Brokers Band, a non-investment-related musical group based in San Diego. United Capital Financial Advisors provides national financial planning and discretionary investment management to a diverse client base, including individuals, high-net-worth households, retirement plans, and corporate or institutional accounts. The firm supports customized investment solutions through a broad affiliate network and offers technology and consulting services to other independent advisors.

Matthew Balderston is a CFP® with 19 years of industry experience, currently serving as an advisor at Pure Financial Advisors, LLC since 2014. He previously worked at Pure Financial Advisors in 2007. Based in San Diego, CA, he holds the Series 63 designation. Pure Financial Advisors, LLC manages approximately $11 billion in assets for individual and high-net-worth clients, offering comprehensive financial planning and discretionary portfolio management. The firm follows a financial-planning-centered approach based on academic frameworks and emphasizes continuous planning through its Foundation Financial Plan process.

Antonio Maillaro is a financial advisor at Dunham with one year of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services and Dunham & Associates Investment Counsel, Inc. In addition to his advisory role, he serves as a Trust Investment Associate for Dunham Trust Company, where he assists in investment due diligence and participates on the investment committee. Dunham is an SEC-registered investment adviser and dually registered broker-dealer that serves individual and high-net-worth clients. The firm employs a manager-of-managers approach with formal quarterly rebalancing and offers tailored SMA strategies, proprietary mutual funds, and a private fund, alongside trust and custodial services through its affiliated trust company.

Ramiro Herrera is a financial advisor at Kingswood Wealth Advisors, LLC with six years of industry experience. He holds a Series 66 designation and has worked previously at LPL Financial, First Allied Securities, and NorthWestern Mutual Investment Services. Kingswood Wealth Advisors serves a diverse client base including individual and high-net-worth investors, retirement plan sponsors, and institutions, offering portfolio management, financial planning, ERISA plan advisory, and consulting services. The firm operates an open-architecture platform, frequently utilizes third-party managers, and integrates insurance-linked account management within its operational model.

Sandy Levine is a financial advisor at Redhawk Wealth Advisors, Inc. in Del Mar, CA, holding a Series 66 credential with 12 years of industry experience. Prior to joining Redhawk in 2020, Levine worked at Atlas Wealth Management Group and William Jordan Investments. Redhawk Wealth Advisors offers discretionary and non-discretionary wealth management, financial planning, and retirement-plan advisory services to individuals, high-net-worth families, estates, trusts, retirement plans, and charitable organizations. The firm’s investment approach emphasizes strategic and tactical asset allocation across various asset classes, supported by a weekly investment committee and, in some strategies, third-party signal providers.

Aaron Wiegman is a CFP® professional with 24 years of industry experience, currently serving as a financial advisor at Savvy. His prior roles include positions at Financial Sense Wealth Management and Saybrus Equity Services. He is a board member and sponsor chair of the Financial Planning Association of San Diego. Savvy provides customized discretionary and non-discretionary investment and wealth management services to individuals, trusts, estates, retirement plans, charitable organizations, and corporations. The firm combines an index-based core with tailored strategies such as direct indexing with tax-loss harvesting, active and passive stock portfolios, and ESG-focused models, supported by a proprietary technology platform and third-party sub-advisers.

Niklaus Pleisch is a financial advisor with Kingswood Wealth Advisors, LLC, based in San Diego, CA. He holds Series 63 and Series 65 licenses and has 15 years of industry experience. Prior to joining Kingswood, he worked at Transamerica Financial Advisors, Inc. and World Financial Group, INC. Kingswood Wealth Advisors serves a diverse client base including individual and high-net-worth investors, retirement plan sponsors, and institutions. The firm provides portfolio management, financial planning, ERISA plan advisory, and consulting services, with an investment approach that includes customized allocations, use of third-party managers, and an emphasis on insurance-linked account management.

Daniel Leyva is a financial advisor at Kingswood Wealth Advisors, LLC in San Diego, CA, with two years of industry experience. He holds the Series 66 designation and previously worked for LPL Financial LLC for nine years. Prior to his advisory career, he was employed at Hornblower Cruises and Events for two years. Kingswood Wealth Advisors serves a diverse client base including individual and high-net-worth investors, retirement plan sponsors, and institutions. The firm offers portfolio management, financial planning, ERISA plan advisory, and consulting services, employing an open-architecture platform with both discretionary and non-discretionary investment approaches.

Kathleen Stephens is a financial advisor at Golden State Wealth Management, LLC with 14 years of industry experience. She holds the Series 66 designation and has worked previously at Edward Jones for 10 years and LPL Financial for 2 years. Golden State Wealth Management serves individuals, trusts, pension and profit-sharing plans, and businesses by providing asset management, comprehensive portfolio management, financial planning, and retirement plan consulting. The firm primarily offers discretionary portfolio management alongside standalone planning and consulting engagements, employing various analytic approaches and third-party managers to tailor portfolios.

Gregory Banner is a CFP® with 39 years of industry experience, currently serving as a financial advisor at Belpointe Asset Management LLC since 2024. His prior experience includes roles at Axxcess Wealth Management, Arete Wealth Management, Business and Family Transitions, Securities America Advisors, and Asset Preservation Strategies. Outside of finance, he operates a residential photography business. Belpointe Asset Management is a multi-team registered investment adviser with over 160 advisors managing more than $7.5 billion. The firm offers discretionary investment management, financial planning, and retirement-plan consulting to individuals, corporations, and trusts, using customized portfolios and a range of advisory relationships.

Luciana Macedo is a CFP® with six years of industry experience, currently serving at The AmeriFlex Group. Her career history includes roles at Cambridge Investment Research, CURO Financial and Insurance Solutions, OSAIC, Sagepoint Financial, Mass Mutual Investors Services, and MassMutual Life Insurance. She also worked at Hornblower Cruises and Events for ten years prior to her financial services career. The AmeriFlex Group is an SEC-registered investment adviser serving individuals, corporations, and retirement plans through a network of advisory affiliates. The firm offers portfolio management, financial planning, and retirement plan consulting with customized strategies delivered via multiple platforms and custodians.

Michael Nessim is a financial advisor at Kingswood Wealth Advisors, LLC with 31 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Benchmark Advisory Services LLC, Benchmark Investments, Inc., and Newbridge Securities Corp. Outside of his advisory role, Nessim serves as Treasurer of the Promenade Condominium Association in New York and is involved in managing personal investment entities. Kingswood Wealth Advisors serves retail and institutional clients, including high-net-worth individuals and retirement plan sponsors, providing portfolio management, financial planning, ERISA plan advisory, and consulting services. The firm utilizes an open-architecture platform with third-party managers and supports insurance-linked account management through affiliated financial entities.

Michael Rohling is a financial advisor with Golden State Wealth Management, LLC in San Diego, CA, holding a Series 66 designation and 24 years of industry experience. He has worked at Golden State Wealth Management since 2018 and previously at Independent Financial Partners and LPL Financial. Golden State Wealth Management serves individuals, trusts, pension and profit-sharing plans, and businesses, providing asset management, comprehensive portfolio management, financial planning, and retirement plan consulting. The firm constructs tailored portfolios using various analytic approaches and offers discretionary portfolio management alongside standalone planning and consulting services.

Matthew Barnhart is a financial advisor with Sovran Advisors, LLC and holds a Series 66 designation. He has 25 years of industry experience and has worked at firms including Metlife Securities, Mass Mutual Investors Services, and Concierge Wealth Management, where he serves as CEO. Sovran Advisors provides investment advisory and financial planning services to individuals, high-net-worth clients, charitable and corporate entities, and retirement plans. The firm offers a range of portfolio management options and works from written investment policies to tailor strategies, managing approximately $1.78 billion in client assets through a team of about 53 advisors.

James Jones III is a financial advisor at Sovran Advisors, LLC with 22 years of industry experience. He holds the Series 66 designation and has worked at firms including Mass Mutual Investors Services and MetLife Securities. Outside of his advisory role, he owns Jampsen Corp, a private financial services business not held out to the public. Sovran Advisors provides investment advisory and financial planning services to individual, high-net-worth, charitable, corporate, and retirement plan clients. The firm manages approximately $1.78 billion in client assets through a team of 53 advisors, offering customizable portfolio management, retirement plan consulting, and advisory variable annuity management.

Erika Lopez is a financial advisor at Root Financial Partners with two years of industry experience. She holds a Series 65 designation and has previously worked at Reyes Financial Architecture and McAdam Financial. Outside of finance, she has experience working with several local businesses in the hospitality and craft sectors. Root Financial Partners provides investment management and comprehensive financial planning to a diverse client base, including high-net-worth individuals, trusts, estates, and small businesses. The firm emphasizes broadly diversified, passive investment strategies tailored to client objectives and also offers educational programs and online academies separate from its advisory services.

Adam Sevier is a financial advisor with Simplicity Wealth in San Diego, CA, holding a Series 66 designation and one year of industry experience. His prior experience includes roles at Cetera Wealth Services, Avantax, and ATS Advanced Trustee Strategies Inc. Outside of his advisory work, he assists with client services and client analysis at ATS Advanced Trustee Strategies Inc. Simplicity Wealth serves a diverse client base, including individual and high-net-worth investors, retirement plans, corporate and institutional clients, and other financial firms. The firm employs a fund-of-funds approach using ETFs, mutual funds, and individual securities, offering advisory services alongside technology and operational support for advisers through a managed account platform.

Xavier Mendoza Jr. is a financial advisor at Octavia Wealth Advisors LLC with 16 years of industry experience. He holds a Series 66 designation and has worked with firms including Purshe Kaplan Sterling Investments Inc. and Equitable Advisors. In addition to advisory services, he is active as an insurance agent with Octavia Risk Management LLC. Octavia Wealth Advisors is an SEC-registered multi-team firm managing approximately $2.15 billion for individuals, high-net-worth clients, institutions, and public entities. The firm offers discretionary and non-discretionary investment management, financial planning, and retirement plan advisory services, employing customized portfolios that combine low-cost ETFs, mutual funds, individual securities, and alternative investments.

Donald Van Dyke is a financial advisor with Sovran Advisors, LLC in San Diego, CA, holding the ChFC® designation and Series 63 and 66 licenses, with 26 years of industry experience. His prior experience includes roles at Mass Mutual Investors Services, MetLife Securities Inc., and Cetera Wealth Services, LLC. Outside of his advisory work, Van Dyke is an owner of an online health and wellness products business and teaches karate classes through the Chula Vista Parks and Recreation program. Sovran Advisors serves individuals, corporations, and retirement plan sponsors with financial planning and portfolio management, utilizing both discretionary and non-discretionary strategies across multiple program types. The firm employs a combination of active and passive investment exposures, working with written investment policy statements and leveraging internal and third-party portfolio models.