Paul Honeycutt is a financial advisor with Commonwealth Financial Network in San Diego, CA, holding CFP® and Series 63 designations and bringing 38 years of industry experience. He has been associated with Commonwealth Financial Network, H.S. Financial, Inc., and Honeycutt Smith & Associates since 2005. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients, offering a variety of advisory programs and services including wealth management, retirement plan consulting, and discretionary model portfolios managed through a structured due-diligence process.

Eric Niergarth is a flat-fee Retirement & Tax Planner. He holds the CFP® designation and has over a decade of financial services experience. He is passionate about helping people prepare for and transition into their ideal retirement. Before founding Retirement Roadmap Financial Planning, Eric was a Financial Planner under two of the most sought-after Wealth Management firms in San Diego, where he helped high-earning and high-net-worth families work towards their ideal retirement. Prior to that Eric worked with financial advisors at TD Ameritrade Institutional. There he gained valuable experience through consulting advisory firms on various industry topics. Outside of the office, Eric can be found spending time with his wife and two kids. He enjoys hiking, surfing, sailing, pickleball, and golf.

Daniel Harris is the principal of D.R. Harris & Co. in La Jolla, CA, holding Series 65 and Series 66 credentials with 17 years of industry experience. He has operated his independent advisory firm since 2009. In addition to investment advisory services, Harris provides income tax preparation and business consulting services through the same firm, serving some overlapping clients. D.R. Harris & Co. offers non-discretionary investment monitoring and advice tailored to individual clients’ goals, risk tolerance, and liquidity needs. The firm emphasizes long-term, efficiency-focused portfolios and uses research into historical pricing, earnings, and industry growth to guide recommendations, while clients retain custody and execute trades independently.

Anders Norrman is a CFP® and CFA® credentialed financial advisor with nine years of industry experience. He is the principal of Spreckels Wealth Management in San Diego, CA, where he has worked since 2021. In addition to his advisory role, Norrman serves as a Senior Investment Officer for the San Diego City Employees' Retirement System, overseeing publicly traded equity and fixed income assets. Spreckels Wealth Management provides personal wealth management on a fee-only basis to individuals, families, trusts, estates, and family businesses. The firm employs a strategic asset-allocation approach that combines passive index/ETF exposures with actively managed funds, dividend-paying stocks, and individual bonds, offering customized portfolios and regular monitoring with quarterly reporting.

Marten Mullins is a CFP® with 13 years of industry experience, currently operating as the sole advisor at Black Horse Wealth Management in San Diego, CA. He previously held roles at JPMorgan Chase Bank and JPMorgan Securities LLC, accumulating eight years of experience at the latter. Black Horse Wealth Management provides comprehensive portfolio management and financial planning services to individuals, high-net-worth clients, trusts, estates, corporations, and retirement plans. The firm employs a multi-method investment approach emphasizing asset allocation and manages a concentrated client base, offering both discretionary and non-discretionary account oversight.

Mary Storjohann is a CFP® and holds a Series 66 license with 18 years of industry experience. She is the sole advisor at Allora Wealth, LLC, an independent firm she joined in 2025. Prior to Allora Wealth, she worked at Abacus Wealth Partners and Workable Wealth, LLC. Allora Wealth provides discretionary investment management combined with ongoing financial planning to individuals, couples, families, and related entities. The firm uses a Modern Portfolio Theory approach with primarily passive, diversified portfolios consisting of index mutual funds and ETFs, managing accounts on a discretionary basis while accommodating reasonable client-imposed restrictions.

Jamie Fleming is a CFP® professional with 23 years of industry experience and the principal of Fleming & Associates, LLC in San Diego, CA. He has been with Fleming & Associates since its founding in 2003 and is also a licensed insurance agent offering products such as life insurance, long-term care, and annuities as part of the financial planning process. Fleming & Associates provides portfolio management and comprehensive financial planning services to individual clients, including high-net-worth individuals, as well as corporate pension and profit-sharing plans. The firm emphasizes fundamental analysis and uses written Investment Policy Statements to guide portfolio management, offering direct management, third-party adviser referrals, and access to wrap fee programs.

Eric Ervin is a CFP® with 21 years of industry experience and is currently associated with Heirmont Wealth Management. His prior roles include positions at Securitize Corp., ALPS Distributors, Onramp Invest, Blockforce Capital Management, and Reality Shares. Heirmont Wealth Management provides discretionary investment management and integrated financial planning primarily to high-earning W-2 professionals such as physicians and corporate executives. The firm emphasizes financial planning alongside portfolio management, utilizing low-cost, diversified ETFs with tax-aware strategies and a focus on clients' time horizons and risk capacity.

Mark Jackson is a CFP® and ChFC® with 19 years of industry experience. He founded and has operated Jackson Asset Management, Inc. since 1995 in San Diego, CA. Jackson Asset Management is an independent registered investment adviser that offers discretionary portfolio management, financial consulting, and ERISA-fiduciary services to individuals, high-net-worth clients, trusts, and estates. The firm uses a combination of fundamental, technical, and cyclical analysis to guide strategic and limited tactical asset allocation, managing accounts on a discretionary basis with a focus on minimizing transaction costs and periodic rebalancing.

Robert Duncan is a CFP® professional based in San Diego, CA, currently serving as the sole advisor at Elevate Wealth LLC. He has no prior industry experience before founding Duncan Funding Partners in 2016, where he has been involved for eight years. Elevate Wealth serves individual and high-net-worth clients with discretionary asset management and comprehensive financial planning. The firm employs a combination of fundamental analysis, Modern Portfolio Theory, and passive strategies, offering both fixed-fee and hourly planning options alongside portfolio management.

Clifford Schmidt is the sole advisor at Foundation Associates Asset Management Inc. in San Diego, CA, holding Series 63 and Series 65 licenses with 46 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney from 2009 to 2018. Schmidt serves as treasurer of the advisory board for the San Diego High School Foundation’s Academy of Finance. Foundation Associates Asset Management provides portfolio management and investment research to individual investors and small businesses, operating both discretionary and non-discretionary accounts. The firm employs a primarily technical approach using chart studies and option-based strategies, with client accounts reviewed weekly and trades aggregated across clients.

Halle Carter is a Series 65 credentialed advisor at McNaughton Wealth Management, LLC with one year of industry experience. Prior to joining McNaughton Wealth Management, she spent two years with MacLean Capital Advisors, LLC and four years at UC Davis C-STEM. Before entering the financial industry, she worked in education for five years. McNaughton Wealth Management serves individuals, including high-net-worth clients, as well as trusts, pension plans, and business entities. The firm provides discretionary asset management and comprehensive portfolio management, tailoring portfolios through fundamental analysis and ongoing monitoring across a range of asset classes and strategies.

Erik Smith is a CFP® professional with four years of industry experience. He currently works at 401 Financial, where he has been since 2022. His prior experience includes roles at Onramp, Roell Capital Management (Mass Mutual), US Bank, and Principal. 401 Financial is a small advisory practice serving individual and high-net-worth clients with financial planning, investment planning, and specialized cryptoasset strategy services. The firm emphasizes passive core allocations supplemented by tactical elements and offers proprietary crypto research and coaching as part of its tailored client approach.

Arthur Johnson is a CFA® charterholder with five years of industry experience and is based in La Jolla, CA. He is the founder and Chief Investment Officer of the Mundoval Fund and has been with Mundoval Capital Management, Inc. since 2002. Outside of finance, he serves as president of Henebery Spirits, Inc., a craft distillery in Vista, CA. Mundoval Capital Management, Inc. is a discretionary investment adviser managing approximately $73 million for individuals, trusts, charitable organizations, and other entities. The firm employs a fundamental, long-term global investment approach tailored to each client’s objectives and risk tolerance.

Elisabeth Dawson Scherbaum is a financial advisor at Copia Wealth Management Advisors, Inc. in San Diego, CA, holding Series 63 and Series 65 licenses with nine years of industry experience. She has worked at Copia Wealth Management since 2017 and previously spent time with Regal Investment Advisors, LLC. Outside of her advisory role, she serves as president and CEO of Dawson Insurance and Financial Services, Inc., where she provides consulting and coaching services. Copia Wealth Management Advisors, Inc. serves primarily individual households, managing approximately $19.7 million on a discretionary basis for about 86 clients. The firm offers discretionary portfolio management through third-party asset managers, comprehensive financial planning, and ongoing due diligence on certain private securities, using a mosaic research approach that combines fundamental, technical, and cyclical analysis.

Patrick McNaughton is a financial advisor at McNaughton Wealth Management, LLC in San Diego, CA, with 24 years of industry experience. He holds a Series 66 designation and previously worked at Ameriprise Financial Services, Inc. for 18 years. In addition to his advisory role, he is licensed as an insurance agent and engages in insurance planning. McNaughton Wealth Management provides investment advisory and planning services to individuals, trusts, pension and profit-sharing plans, and corporate entities. The firm offers tailored portfolio management and financial planning, utilizing fundamental analysis and asset-allocation strategies, and maintains an affiliation with DPL Financial Partners to provide access to commission-free insurance products.

Jonathan Hoffman is a financial advisor with Zenith Investment Management, LLC, holding a Series 65 license and six years of industry experience. He has worked at Zenith since 2019 and has prior experience with Sagepoint Financial and Independent Capital Management. Outside of financial advising, he is also a licensed independent insurance agent focusing on long-term care, life, and disability insurance. Zenith Investment Management provides comprehensive financial planning and discretionary portfolio management to individual and institutional clients, including high-net-worth households. The firm manages client accounts through goal-based plans that combine fundamental and technical analysis with strategic and tactical asset allocation, and also serves as investment manager to a private pooled fund employing a quantitative algorithmic strategy.

Robert Leuffen is a financial advisor at Torrey Wealth, LLC in San Diego, CA, with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at TIAA-CREF Individual & Institutional Services and TIAA prior to joining Torrey Wealth in 2020. Torrey Wealth is an independent registered investment adviser serving individuals, trusts and estates, corporations, and pension or profit-sharing plan sponsors. The firm manages portfolios using diversified allocations of low-cost ETFs, fixed income, and alternative investments, employing a range of analytical methods and offering wrap asset management alongside comprehensive financial planning and consulting services.

Autumn Vaughn is a CFP® professional with three years of industry experience, currently serving as an advisor at Satori Wealth Management, Inc. Prior to joining Satori in 2026, she worked at Mercer Global Advisors Inc. and Day & Ennis, LLC. Satori Wealth Management serves individuals and families, including high-net-worth clients, and employer-sponsored retirement plan sponsors. The firm focuses on discretionary portfolio management and financial planning, employing a long-term investment approach based on modern portfolio theory with personalized portfolio construction and ongoing monitoring.

Nathan Manor is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Hamilton Manor & Associates in La Jolla, CA. He has been with Hamilton & Associates since 2014 and has concurrent experience with LPL Financial since 2014. Outside of his advisory duties, he is also a commissioned notary public. Hamilton Manor & Associates primarily serves individual and high-net-worth clients, offering retirement plan consulting, business planning, portfolio management, and financial planning services. The firm utilizes a range of third-party research and model portfolios, providing both discretionary and non-discretionary management, and is notable for sponsoring a wrap fee program and offering access to multiple LPL-sponsored model platforms.