Thomas Kee Jr. is the sole advisor at Equity Logic in Rancho Santa Fe, CA, holding Series 63 and Series 65 credentials with 14 years of industry experience. He has managed Equity Logic since 2010 and has run an investment newsletter, Stock Traders Daily, as CEO since 2000, dedicating time daily to writing its content. Equity Logic manages approximately $12 million, providing discretionary, rules-based portfolio management focused on ETF strategies for individuals, institutions, and third-party advisors. The firm employs systematic, multi-horizon models for US-listed equities and ETFs and offers unique services such as a non-discretionary Strategy Execution Service and performance-based fee arrangements.

Stephen Westwood is a financial advisor at Pacific Spirit Investments LP with 12 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at William Oneil/Oneil Capital Management from 2015 to 2019 before joining FSAQ Capital Management LLC. Pacific Spirit Investments provides discretionary investment management and portfolio construction for individuals, high-net-worth clients, trusts, estates, charitable organizations, and retirement plans. The firm uses a bottom-up quantitative stock-selection and portfolio-construction process across traditional and alternative asset classes, emphasizing systematic analysis and centralized trade execution.

Youhang Jiang is a financial advisor at SML Capital LLC in San Diego, CA, holding Series 63 and Series 65 licenses with 25 years of industry experience. He has been with Wachovia Securities LLC since 2003. SML Capital LLC provides discretionary asset management services to individuals, pension and profit-sharing plans, trusts, charitable organizations, estates, and business entities. The firm develops investment strategies tailored to clients’ time horizons and risk tolerances, managing diversified portfolios on a discretionary basis.

Todd Hoyt is the principal of RabbitPlans and holds a Series 65 designation. He has one year of industry experience, having founded RabbitPlans after retiring in 2016. RabbitPlans is a fee-only registered investment adviser providing project-based financial planning to individuals, high-net-worth clients, and businesses. The firm offers limited-scope written engagements on topics such as business planning, cash flow and debt management, estate and tax planning, retirement projections, and investment analysis, relying on fixed or hourly fees without managing client assets.

Robert Bartels is the sole advisor at New Phase Financial in San Diego, CA, holding a Series 65 credential with five years of industry experience. Prior to founding New Phase Financial in 2021, he was retired from 2016 to 2021. New Phase Financial provides comprehensive financial planning services primarily to individual and couple clients, focusing on retirement, tax, estate, insurance, college savings, employee benefits, and business planning. The firm operates on a fee-only basis with fixed-fee and hourly engagements, does not offer discretionary investment management, and delivers plans for client implementation through custodians of their choice.

Michael Allen is a ChFC® credentialed financial advisor with 26 years of industry experience. He is the principal of Allen Financial Advisement, Inc. and has previously worked at SB Advisory, LLC, San Blas Securities, LLC, and Woodbury Financial Services, Inc. In addition to his advisory work, he teaches business and finance classes at National University and founded the Muñoz Family Scholarship to support graduating high school seniors attending college. Allen Financial Advisement, Inc. provides investment and portfolio management, financial planning, retirement plan consulting, and educational seminars to a diverse client base including corporations, qualified retirement plans, charities, and individual investors. The firm employs a passive management approach based on modern portfolio theory with diversified model portfolios and offers discretionary management alongside fixed-fee and hourly consulting engagements.

Ryan Gonzales is a CFP® with 17 years of industry experience, currently serving as the sole advisor at True Fiduciary Capital, LLC since 2019. He previously worked at USAA Financial Advisors and USAA Investment Management Company. Outside of his advisory role, he designs and sells shirts through his business Dad Fiction and provides color commentary for local high school sports with the NFHS Network. True Fiduciary Capital offers discretionary and non-discretionary investment supervisory services and financial planning to individual and high-net-worth clients. The firm employs a concentrated, fundamental equity approach focused on companies with strong free cash flow and intrinsic value, managing approximately $90 million across about 60 accounts.

Robert Waltz is a financial advisor with La Jolla Asset Management, Inc. in San Diego, CA, where he has worked since 1996. He has 12 years of industry experience and operates as the sole advisor at the firm. La Jolla Asset Management is an independent investment adviser that provides discretionary portfolio management to individuals and institutional clients, including pension plans, trusts, and charitable organizations. The firm constructs customized portfolios using a combination of fundamental and technical analysis, a macroeconomic perspective, and a proprietary screening process focused on highly liquid NYSE and NASDAQ stocks.

Matthew Gonzales is a CFP® with four years of industry experience currently serving as the sole advisor at ING Wealth in La Mesa, CA. His prior experience includes six years at LPL Financial and roles at North Island Credit Union and San Diego State. Before entering the financial industry, he worked seven years at Steele Canyon Golf Club Corporation. ING Wealth provides portfolio management and financial planning services to individuals, high-net-worth clients, and business entities. The firm offers a Comprehensive Portfolio Management service that combines discretionary asset management with optional financial planning, utilizing a variety of analytic methods and trading strategies tailored to client risk profiles and goals.

Gardner Osborne is the sole advisor at Osborne Capital Management in San Diego, CA, holding a Series 65 designation with three years of industry experience. He is also the owner and tax preparer at Gardner Tax & Financial LLC, where he performs tax accounting and preparation. Osborne has a background working with Linda Osborne CPA since 2003. Osborne Capital Management provides investment supervisory services and financial planning to individual, high-net-worth, and institutional clients. The firm focuses on value-based investing with growth and income securities, managing accounts on a non-discretionary basis and offering performance-based fee arrangements for qualified clients.

Jeffrey Bernstein is the sole advisor at JLB Capital Management LLC, an independent firm based in San Diego, CA. He holds a Series 65 designation and has 14 years of industry experience. Bernstein has been with JLB Capital Management since its founding in 2001. JLB Capital Management manages a pooled vehicle focused on acquiring and servicing private student loans in the form of retail installment contracts. The firm primarily serves accredited investors, family offices, and institutional clients, employing a bottom-up underwriting process and a niche credit strategy centered on loans from for-profit schools.

Most financial advice assumes you live, earn, bank, and retire in one country. My clients don't — and that's exactly the work I love. I'm Victor Gersten, founder of Cross Border Wealth Advisors. I work with US citizens and dual nationals living abroad, especially those moving between the United States and Spain, and those planning a move to Portugal or elsewhere in Europe. What makes cross-border planning hard isn't the investing — it's everything around it: how two tax systems interact, where to hold accounts, how a Golden Visa or a relocation reshapes your plan. I'm both a CERTIFIED FINANCIAL PLANNER™ and an Enrolled Agent, so I look at your investments and your tax picture together instead of handing you off and hoping the pieces line up. When a client needs in-country expertise, I coordinate with trusted tax and legal partners in the US, Spain, and across Europe. I built this firm after years inside large US brokerage houses, where I saw how poorly the traditional model served people whose lives crossed borders. Today I split my own life between the US and Spain, work in English and Spanish, and teach university students on the side — so the cross-border balancing act my clients live isn't theory to me, it's my everyday. I'm fee-only and a fiduciary: I'm paid only by my clients, never through commissions or products. If you're building a life across borders and want a planner who actually speaks both sides of it, let's talk.

Daniel Cadena is a CFP® and Series 65-licensed advisor with 21 years of experience at Cadena Financial Planning & Tax Services, an independent firm based in San Diego, CA. He has been the sole advisor at the firm since its founding in 2005. Cadena Financial Planning & Tax Services offers fee-only financial planning and investment management to individuals and trusts, focusing on comprehensive and targeted financial plans. The firm integrates tax planning as a central element of its advisory services and manages discretionary accounts with a fundamental investment approach tailored to each client’s goals and risk tolerance.

Herman Chang is a financial advisor at Cornerstone Asset Advisors Inc. in Solana Beach, CA, holding Series 63 and Series 65 licenses with 17 years of industry experience. He has been with Cornerstone Asset Advisors since 2015. Cornerstone Asset Advisors Inc. provides discretionary asset management and financial planning to individuals, trusts, estates, charitable organizations, and business entities, typically serving a small client base with account minimums around $1 million. The firm’s investment approach combines fundamental and technical analysis, including the use of derivatives such as option writing and spreading strategies, and emphasizes advisor-led quarterly reviews.

Jacqueline Karnavas is a financial advisor at Torrey Capital Investments with 26 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Omni Brokerage Inc. since 2007. In addition to her advisory work, she is the owner of Sea + Wander, a non-investment-related business. Torrey Capital Investments provides discretionary asset management services to individuals, high-net-worth clients, and pension/profit-sharing plans. The firm manages approximately $99.8 million across 231 accounts, using a combination of cyclical, fundamental, and technical analysis with both long- and short-term strategies.

Peter Gordon is the sole advisor at Highlands Wealth Advisors, LLC, a fee-only registered investment adviser based in San Diego, CA. He holds a Series 65 designation and has 17 years of industry experience, including 15 years with his current firm. Highlands Wealth Advisors provides discretionary portfolio management and retirement-account advice to individuals, high net worth clients, trusts, and estates. The firm emphasizes customized, predominantly long-term portfolios using low-cost mutual funds and ETFs, with selective use of individual stocks and bonds, and offers ongoing personal contact and periodic reviews.

FlightPath Financial Planning is an independent, fee-only firm built for high-earning professionals whose financial lives have outgrown generic advice. Many of my clients are nurses, physicians, pilots, tech employees, and small business owners — people with strong incomes but complicated situations: vesting equity compensation, layered employee benefits, multiple income streams, or a small business that's finally generating real cash flow. I specialize in helping clients make sense of equity compensation — RSUs, stock options, and ESPPs — building a coordinated strategy around vesting schedules, tax exposure, and diversification instead of treating it as an afterthought. I also work extensively with clients navigating PPO, HMO, HSA and high-deductible health plan decisions, particularly during open enrollment, when most advisors don't dig into the tradeoffs with any real rigor. As a Certified Financial Planner® and fiduciary, I work on a fee-only basis — no commissions, no product sales, no conflicts of interest. My practice runs on an ongoing, fixed-fee model with no account minimums, so clients always know exactly what they're paying and what they're getting, regardless of portfolio size. This makes planning accessible to high earners who don't yet have significant investable assets but have real financial complexity to manage. I'm also a private pilot with instrument and commercial ratings, and I bring the same discipline to financial planning that I bring to flying — clear checklists, careful preparation, and a plan you can actually execute under real-world conditions. That precision shows up in how I work with clients: methodical, transparent, and focused on the decisions that actually move the needle. Beyond individual client work, I run a program called True Net Benefit, which helps employers and employees navigate open enrollment decisions, particularly around HSA and HDHP options. It's often how I first connect with new clients, especially professionals working through employer benefits that are more complicated than they look on paper. If you're a high-earning professional trying to make sense of equity compensation, a benefits package, or simply want an ongoing planning relationship without AUM minimums, I'd welcome the chance to talk. Schedule a free consultation to see if we're a good fit.

Patrick Kelly is the sole advisor at Next Alpha Capital, LLC, a California-registered independent advisory firm. He holds a Series 65 designation and has nine years of industry experience, including five years at Motorola Solutions. Outside of his advisory role, Kelly manages a self-directed IRA investment company focused on futures and options trading. Next Alpha Capital provides investment advice through separately managed accounts and discretionary trading across a wide range of securities and financial instruments. The firm operates with broad discretionary authority and conducts continuous account reviews, offering a fixed hourly fee model rather than traditional percentage-based fees.

John Pak is a financial advisor at Vector3 Wealth Management in San Diego, CA, holding Series 63 and Series 65 licenses with 21 years of industry experience. His prior experience includes roles at Edge Wealth Management, Golden State Equity Partners, and Golden State Asset Management. Vector3 Wealth Management is an SEC-registered firm serving individual and high-net-worth clients with discretionary investment management and integrated financial planning. The firm employs a blended investment approach combining bottom-up fundamental analysis with top-down macroeconomic evaluation, managing a broad range of asset types in line with client objectives.

Hello! I'm Shannon, a bilingual (Eng/Spn) Advice-Only CFP® practitioner, and I'm here to help you create a clear path towards your life goals and a sense of financial freedom through values-aligned financial planning. I have worked with clients across a variety of career fields, from tech and solopreneurs to educational institutions, such as the UC system and public employees working for federal, state and local governments. My clients come from all walks of life, and I am particularly passionate about supporting those typically left out of money conversations and economic power, eg. women and BIPOC. I specialize in working with first generation wealth builders, like myself, who want to change their financial family trees, as well as those who want to go above and beyond reaching financial freedom for themselves to invest responsibly, support their communities in creative and meaningful ways, and to help close the wealth gap. I'm here to help you know, feel and do better with your money, and to help you make your money work harder for you in support of your goals, the life you want for yourself, and the impact you want to have on the world around you. Examples of who I work well with: • First Generation Wealth Builders, First Gen Americans and Immigrants • Progressive professionals interested in ESG & Socially Responsible Investing • FI/RE aspirers • Individuals, couples, LGBTQIA and non-traditional households • Tech employees & employer equity recipients • Small business owners I work with clients in San Diego, as well as nationwide via virtual meetings. Interested in working together? Please visit my website for more information and to schedule an introductory appointment: www.sagefinancialsd.com