Nicholas Gardner is a CFP® with 14 years of industry experience and is currently with The Financial Team, Inc. He has previously worked at Great Point Capital, LLC and Jrl Capital Corporation. In addition to his advisory role, he is a licensed insurance agent involved in insurance sales since 2011. The Financial Team, Inc. provides financial planning, consulting, and referral services to a range of clients including individuals, trusts, and retirement plans. The firm does not manage assets directly but connects clients with independent third-party managers who implement discretionary portfolio strategies, often using diversified ETFs and institutional mutual funds.

Brian Field is a financial advisor with Lifetime Financial Advisors Inc in Encinitas, CA, holding Series 63 and Series 66 licenses and over 25 years of industry experience. He has been with Lifetime Financial Advisors since 2014 and also maintains an affiliation with LPL Financial since 2012. Outside of his advisory role, he is involved with Policy Genius and North American Company in non-variable insurance activities. Lifetime Financial Advisors provides personalized financial planning and written investment recommendations for individuals, trusts, estates, charitable organizations, corporations, and participants in employer-sponsored retirement plans. The firm delivers non-discretionary plans without managing client assets and typically favors mutual funds selected for manager tenure, risk management, and transparency.

James Patterson is a financial advisor at Premier Financial Planning, Inc. in Valley Center, CA, holding a Series 65 credential with four years of industry experience. He has been with Premier Financial Planning since 2011. Premier Financial Planning, Inc. is a small, state-registered investment adviser serving individuals, high-net-worth clients, trusts, pension plans, and business entities. The firm provides financial planning and discretionary portfolio management using a strategic asset allocation approach guided by Modern Portfolio Theory, with services tailored to clients’ time horizons and risk tolerances.

John Weinstein is a financial advisor at Decision Investments, Inc. in San Diego, CA, holding Series 63 and Series 65 licenses with 27 years of industry experience. He has worked at Decision Investments since 2012 and has a long tenure with Citigroup Global Markets Inc. dating back to 1998. Decision Investments serves individuals—including high-net-worth and non-HNW clients—as well as non-profit organizations and corporate plan sponsors. The firm provides discretionary portfolio management, financial planning, and retirement-plan consulting, employing an active, tactical asset-allocation strategy and offering specialized services such as ERISA 3(21)/3(38) retirement-plan support and structured investment product oversight.

Darlene Maza is a financial advisor at DBA Seaside Financial & Insurance Services in Carlsbad, CA, holding a Series 65 credential with four years of industry experience. She has been with Seaside Advisory Services, Inc. since 2021 and with Seaside Advisory since 2016. Seaside Financial & Insurance Services primarily serves individual clients, including high-net-worth individuals, as well as pension plans, businesses, charities, and trusts. The firm offers portfolio management, financial planning, pension consulting, and insurance placement, using investment strategies based on fundamental, technical, cyclical, and quantitative analysis.

Michael Souza is a financial advisor at Koa Wealth Management, LLC in Encinitas, CA, with 23 years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley & Co., Incorporated for 10 years. He is also president of Tytan Wealth, Inc., a role he manages alongside his advisory duties. Koa Wealth Management provides financial planning, investment management, and retirement-plan consulting to individuals, high-net-worth clients, trusts, estates, charities, and business entities. The firm combines fundamental and technical analysis to construct portfolios tailored to clients’ risk tolerance, time horizon, and liquidity needs, managing approximately $255 million with a two-advisor team.

Catherine Magana is a CFP® with 25 years of industry experience, currently serving at WWM Financial since 2011. She previously worked at Purshe Kaplan Sterling Investments for six years. Magana is chairman of the board for Partners in Education, an organization focused on educational and scholarship support, and has held leadership roles with the Financial Planning Association of California. WWM Financial provides asset management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, retirement plans, and business entities. The firm employs a multi-disciplinary investment approach with tailored portfolio supervision and offers both discretionary and non-discretionary management.

Roxanne Desouza is a financial advisor at Seawise Financial, Inc. with three years of industry experience. She holds a Series 65 designation and has previously worked at Satori Wealth Management and several medical centers as an occupational therapist. In addition to her advisory role, she continues to work part-time as an occupational therapist. Seawise Financial manages approximately $55 million for individuals, high-net-worth clients, and employer plan sponsors. The firm emphasizes a primarily passive investment approach using diversified, low-cost index funds and ETFs, supplemented by fundamental and cyclical analysis and selective outside managers, while also offering retirement plan consulting and discretionary management of held-away accounts.

Gary Stout is a financial advisor at Stout Capital Management LLC with 24 years of industry experience. He holds a Series 65 designation and has been with Stout Capital Management since 2002. Stout Capital Management LLC provides investment management, comprehensive wealth management, and financial planning services to individuals, trusts, and company retirement plans. The firm serves both middle and high-net-worth clients and uses an investment approach based on modern portfolio theory, asset allocation, global diversification, and passive, low-cost mutual funds and ETFs.

Gregory Carroll is a CFP® professional with 31 years of industry experience, currently serving at WWM Financial since 2019. His prior roles include positions at Sterling Global Strategies, APW Capital, and Sterling Wealth Management Group, Inc. Outside of his advisory work, Carroll owns and manages rental properties in San Diego. WWM Financial provides asset management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, retirement plans, and business entities. The firm employs a multi-disciplinary investment approach with tailored portfolio supervision and offers both discretionary and non-discretionary portfolio management.

Clinton Cooper is a financial advisor at Cooper Capital Group with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has held positions at Northwestern Mutual and Purshe Kaplan Sterling Investments. Cooper serves on the board of Elevated Performance, a sober life coaching and fitness charitable organization. Cooper Capital Group primarily serves individual and high-net-worth clients, offering discretionary asset management, comprehensive portfolio management, financial planning, and retirement plan consulting. The firm employs a diverse investment approach that includes fundamental, technical, quantitative, and sector analysis, utilizing a wide range of strategies and third-party managers to implement and monitor client portfolios.

Scott Goswami is a CFA® charterholder with 12 years of industry experience, currently serving as an advisor at Archstone Capital Advisors since 2025. He previously worked at RBC Capital Markets for nine years. Archstone Capital Advisors is a newly registered investment adviser specializing in discretionary portfolio management and integrated financial planning for individual and high-net-worth clients. The firm employs option-based income strategies and defined-risk option structures while also trading equities, futures, REITs, ETFs, and digital assets, managing accounts through a directed brokerage relationship.

Eric Sigdestad is a CFP® professional with 20 years of industry experience, currently serving as the sole advisor at Simplifi, Inc. He has led the firm since 2010, including its previous iteration as Sigdestad Financial, Inc. Located in San Diego, CA, he holds Series 63 and Series 65 licenses. Simplifi, Inc. provides customized investment management and financial planning primarily to individuals and high-net-worth clients, managing approximately $251.5 million in discretionary assets across nearly 300 client relationships. The firm emphasizes asset allocation and diversification using mutual funds, ETFs, individual securities, and incorporates human oversight alongside artificial intelligence for operational efficiencies.

Steven Van Houten is a CFP® with 45 years of industry experience, currently serving as the sole advisor at Lifetime Financial Advisors Inc. He has been with Lifetime Financial Advisors since 2002 and previously worked with LPL Financial starting in 1992. Van Houten also offers non-variable insurance products to his clients. Lifetime Financial Advisors provides personalized financial planning and written investment recommendations for individuals, trusts, estates, charitable organizations, corporations, and participants in employer-sponsored retirement plans. The firm delivers non-discretionary advice without maintaining custody of client assets and typically favors mutual funds selected for manager tenure, risk management, and transparency.

Scott Melbrod is a financial advisor at M Wealth Management, LLC in San Diego, CA, holding Series 63 and Series 65 licenses with 23 years of industry experience. He has worked at M Wealth Management since 2015 and previously spent 15 years at National Planning Corporation. Outside of his advisory work, Melbrod is the managing partner of Accumulation Wealth Partners, a financial planning business. M Wealth Management provides discretionary asset management and financial planning to individual and high-net-worth clients as well as businesses, integrating tax planning and preparation services through an affiliated accounting practice. The firm follows an evidence-based, long-term investment approach emphasizing broad diversification, tailored planning, and behavioral coaching, along with a “Total Wealth” planning view that incorporates human capital.

Vincent Stefano is a financial advisor at WWM Financial in Carlsbad, CA, with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with WWM Financial since 2013. WWM Financial provides asset management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, retirement plans, and business entities. The firm manages approximately $342 million in assets, employing a multi-disciplinary investment approach with tailored portfolio supervision and a mix of securities and strategies.

Jacob Rogers is a financial advisor at 77 Financial Group with a Series 65 credential and one year of industry experience. Prior to joining 77 Financial Group, he worked for the City of San Marcos for seven years and American Medical Response for two years. 77 Financial Group serves individual investors, retirement plans, trusts, estates, charitable organizations, and business entities with fee-based investment advisory, financial planning, and pension consulting services. The firm uses a tactical allocation approach that incorporates fundamental, technical, and cyclical analysis and offers a range of investment vehicles including mutual funds, ETFs, options strategies, and margin usage.

Dean Ferraro is a financial advisor at Longhouse Wealth Management with eight years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at HD Vest Investment Services. Outside of financial advising, Ferraro owns and manages Authoritax, an accounting and tax preparation business. Longhouse Wealth Management provides discretionary portfolio management and investment education to individuals, families, trusts, business entities, and retirement plans. The firm customizes portfolios based on clients’ objectives and risk tolerance, employing a range of asset types and regularly offering community educational events.

Taylor Jobe is a financial advisor at MKT Advisors LLC with 11 years of industry experience and holds a Series 65 designation. He has worked at MKT Advisors LLC since 2015. Outside of his primary role, he is the owner and president of HARVEST LLC, a SaaS company providing options calculations, and serves on the strategic advisory board of DPL Financial Partners, an insurance marketplace. MKT Advisors provides investment advisory and financial planning services to individuals, high net worth clients, trusts, estates, charitable organizations, foundations, businesses, and retirement plans. The firm manages approximately $463.7 million across discretionary and non-discretionary accounts and employs customized portfolios using stocks, bonds, mutual funds, ETFs, and options with an emphasis on both long-term and tactical approaches.

Constance Maples is a CFP® and ChFC® with 26 years of industry experience. She currently serves as an advisor at Lanyon Advisory Services and has been with Viewpoint Financial Partners, LLC since 2015. In addition to her advisory role, she is a licensed insurance agent. Lanyon Advisory Services provides portfolio management, financial planning, and access to third-party managers for individuals, high-net-worth clients, charitable organizations, and business entities. The firm manages approximately $109 million across about 70 clients, utilizing a variety of analytical approaches and investment strategies that include traditional and alternative assets.