Matthew Cobas is a CFP® and holds the Series 66 designation with 10 years of industry experience. He has worked at several firms including Mariner Wealth Advisors, Origin Investment Advisory LLC, and Wells Fargo Advisors before joining Kaiyo Wealth LLC, where he has been since 2021. Kaiyo Wealth LLC provides discretionary portfolio management and tailored financial planning for individuals, high-net-worth clients, and charitable organizations. The firm’s investment approach is based on modern portfolio theory and long-term trading, incorporating margin and options strategies and occasionally using outside managers to implement specific allocations.

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.

Carl Wiese is a CFA® charterholder and Series 63 licensee with seven years of industry experience. He has been with GROW Funds LLC since 2015 and serves as an adjunct professor at the University of San Diego, teaching courses on Ethics and Financial Markets and Institutions, Financial Management, and Introduction to Hedge Funds. GROW Funds LLC provides discretionary investment management to individuals, pension and profit-sharing plans, businesses, and institutional clients, managing both separately managed accounts and privately offered funds. The firm employs a bottom-up, fundamental small-cap long/short research process and offers performance-based compensation arrangements along with detailed investor reporting.

Allen Trim is a CFP® with 15 years of industry experience and has been with Blue Summit Wealth Management since 2018. Prior to joining Blue Summit, he worked at Cetera Advisors and held a strategy management role at ResMed, a medical device manufacturer. Outside of his advisory work, Trim has experience managing a vacation rental business. Blue Summit Wealth Management serves individual clients, including high-net-worth households, qualified retirement plans, and private trusts. The firm provides comprehensive financial planning and discretionary portfolio management with an emphasis on sustainable investing and pension consulting.

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.

Denisse Arebalo is a financial advisor at Pacific Canyon Investments with seven years of industry experience. She holds the Series 66 designation and has worked at Bay Street Capital Holdings and TD Ameritrade prior to joining Pacific Canyon Investments. Pacific Canyon Investments serves individuals, families, institutional clients, and plan sponsors, offering financial planning, asset management, and institutional advisory services. The firm’s investment approach blends a focus on disruptive innovation with value-based fundamental analysis and employs strategies including equity holdings and option tactics, alongside customized educational seminars for clients.

Laurie Itkin is a financial advisor at Coastwise Capital Group, LLC with 13 years of industry experience. She holds a Series 65 designation and is the founder of two non-investment-related ventures, The Options Lady, focused on education, and Rouge Government and Public Affairs, specializing in public affairs, both based in San Diego. Coastwise Capital Group advises individuals, including high-net-worth clients, as well as corporations, trusts, estates, and charitable organizations. The firm offers discretionary portfolio management alongside financial planning and consulting, utilizing a range of investment instruments guided by clients’ objectives and risk profiles.

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.

Philip Smith is a financial advisor at Salient Wealth Planning with 26 years of industry experience. He holds the CFP®, ChFC®, and Series 66 designations. His prior roles include positions at Ameriprise Financial Services, Inc. for 18 years and Purshe Kaplan Sterling Investments. Salient Wealth Planning is an SEC-registered advisory firm serving individuals, high-net-worth clients, trusts, estates, and businesses with discretionary investment management and financial planning. The firm emphasizes a long-term, fundamental-analysis approach and manages diversified portfolios using low-cost mutual funds, ETFs, and select individual securities.

Daniel Mauser is a financial advisor at Cosmos Wealth, LLC with 11 years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Rely Wealth Partners, TRU Independence Asset Management 2, and Investment Placement Group. Cosmos Wealth is a recently formed SEC-registered investment adviser managing approximately $191 million in discretionary assets. The firm serves primarily larger or non-typical retail clients, employing a mix of active and passive investment strategies with an emphasis on individualized client profiles and ongoing portfolio monitoring.

David Sprenger is a financial advisor at Qualified Planning with 10 years of industry experience. He holds the ChFC® and Series 63 designations. Sprenger has held roles at The Leaders Group DBA Simplicity Investments, Alkeme Insurance, IRA Solutions, Inc., and Dunhill Marketing & Insurance Services, Inc., where he serves as Vice President. Qualified Planning provides investment advisory services primarily to individual clients, as well as pension/profit-sharing plans and corporations. The firm offers passive, asset-allocation-driven portfolios mainly composed of ETFs and mutual funds, alongside model portfolio management and third-party manager monitoring.

Heather Quintero is a CFP® professional with 10 years of industry experience. She has worked at Carter Financial, LLC since 2019 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors. Carter Financial provides discretionary portfolio management and standalone financial planning to individuals, high-net-worth clients, trusts, estates, and business entities. The firm employs a multi-style asset allocation investment approach, continuously monitoring and rebalancing portfolios to meet client objectives.

Natalie Mcintosh is a CFP® with over 21 years of industry experience and has been with Mundoval Capital Management, Inc. and the affiliated Mundoval Fund since 2006. She holds a Series 66 license and works out of La Jolla, CA. In addition to her advisory role, she is an independent contractor insurance agent for Blue Shield of California. Mundoval Capital Management provides discretionary asset management services to a diverse client base including individuals, trusts, estates, charitable organizations, and pension plans. The firm emphasizes fundamental, long-term equity analysis with a global orientation and offers ERISA plan services alongside managing an affiliated, no-load mutual fund.

John Ferraro is a Series 65-licensed financial advisor with Longhouse Wealth Management in Encinitas, CA, where he has worked since 2018. He has seven years of industry experience. Longhouse Wealth Management serves individual and high-net-worth clients, including trusts, estates, and retirement plans, providing discretionary portfolio management across equities, bonds, ETFs, and REITs. The firm uses proprietary quantitative and technical risk-management models to tailor investment policies and employs educational content and client seminars as part of its service approach.

Joel Everett is a CFP® and ChFC® with 10 years of experience in financial advising. He has been with Financial Planning Consultants and LPL Financial since 2015. Financial Planning Consultants provides financial planning and consulting services to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm offers comprehensive financial plans and life-stage planning without managing client assets, focusing on investment advice through a planning-only model with fixed or hourly fees.

Robert Robinson is a Series 66–licensed financial advisor with 11 years of industry experience. He currently works at Cosmos Wealth, LLC, having joined the firm in 2026 after roles at tru Independence Asset Management 2, LLC, Rely Wealth, Checchi Capital Advisers, LLC, Boston Private Wealth LLC, and Oppenheimer. Cosmos Wealth is an SEC-registered investment adviser managing approximately $191 million in discretionary assets. The firm serves primarily larger or non-typical retail clients and uses a combination of active and passive investment approaches, including fundamental, technical, and trend-following analysis, with a focus on individualized client profiles and continuous portfolio monitoring.

Matthew Miller is a financial advisor with WBB Securities, LLC, holding Series 63 and Series 65 licenses and with 31 years of industry experience. He has worked at Vanderbilt Securities, LLC and other related firms since 2020, and has been with WBB Securities, LLC since 2011. Miller also engages in occasional consulting and trade review for various firms outside of regular market hours. WBB Securities, LLC provides investment advisory and broker-dealer services through managed account programs that serve individual clients, pension plans, charitable organizations, corporations, and other advisers. The firm combines asset allocation and custom portfolio construction using fundamental, technical, and charting analysis and operates both as a registered investment adviser and a FINRA-member broker/dealer with in-house investment banking and equity research capabilities.

Roy Lopez II is a financial advisor at Sage Stone Wealth Management LLC in La Jolla, CA, with 16 years of industry experience. He holds the Series 65 and Series 66 designations and has been with Sage Stone Wealth Management since 2010. Sage Stone Wealth Management provides portfolio management, financial planning, and related services to individuals, including high-net-worth clients, charitable organizations, foundations, pension and profit-sharing plans, and businesses. The firm combines fundamental analysis with both passive and active investment strategies and offers client-directed ethical screens along with specific approaches such as Inflation-Hedged and Dividend strategies.