Jiang Jing is a Series 65 licensed financial advisor at Xinde Asset Management Limited with three years of industry experience. He also operates Sean Jiang Law Office, a boutique California law firm where he is the sole owner and practicing attorney. His prior work includes roles at Shenzhen HongFang Private Securities Fund Management Limited and Northeast Securities Corporation Limited. Xinde Asset Management Limited provides investment management services to a variety of clients, including business entities, families, trusts, and charitable organizations. The firm offers portfolio monitoring, discretionary and non-discretionary account management, and investment analysis utilizing both fundamental and technical approaches, supported by a network of cross-border legal and trust service affiliations.

Shawn Orser is a financial advisor with Seaside Financial & Insurance Services, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. He has been associated with Fortune Financial Services, Inc. since 2014 and with Seaside Advisory Services, Inc. since 2009. Orser serves as a trustee on the Board of Directors for Collaborative Investment Series Trust, overseeing mutual funds and fund managers according to their investment mandates. 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 documented client objectives and a combination of fundamental, technical, cyclical, and quantitative analysis in its investment approach.

Lester Antman is a financial advisor with SimplyRich in Carlsbad, CA, holding a Series 65 designation and 24 years of industry experience. He has worked at SimplyRich since 2001 and also maintains a longstanding affiliation with Andrew Tobias since 1994. SimplyRich provides financial planning and discretionary investment management services to individual and high-net-worth clients, using a portfolio approach grounded in modern portfolio theory and customized asset allocations. The firm emphasizes broad diversification and typically pursues a long-term investment orientation while managing accounts on a discretionary basis.

Michael Hart is a CFA® charterholder with 15 years of industry experience. He has been with Hemispheres Investment Management since 2014, where he serves as one of two advisors. Hemispheres Investment Management provides discretionary portfolio management for individual and high-net-worth clients, employing a value-oriented, fundamental analysis approach across global equity and fixed income markets. The firm integrates option strategies and derivatives within managed accounts to manage risk and generate income.

Maureen Verduyn is a CFP® with 34 years of industry experience, currently serving at The Financial Team, Inc. in Carlsbad, CA. She has worked with Great Point Capital, LLC, Jrl Capital Corporation, and Independent Financial Group prior to her ongoing tenure at The Financial Team, Inc. since 1998. Verduyn is also a licensed California insurance agent. The Financial Team, Inc. provides financial planning, consulting, and third-party investment management referral services to individuals, trusts, estates, small businesses, institutions, and retirement plans. The firm acts as a solicitor connecting clients with independent managers, delivering advisory services on a non-discretionary basis and supporting client onboarding and profile development.

Timothy Lackey is a ChFC® and holds a Series 66 license with 23 years of industry experience. He has worked at Centered Financial since 2020 and previously spent 15 years at Anchor Bay Securities, LLC. Outside of financial advising, he is a partner in a tanning salon business. Centered Financial serves individuals, including high-net-worth and non-HNW households, as well as pension and profit-sharing plans, charitable organizations, and business entities. The firm manages approximately $59 million across 149 client accounts, offering portfolio management, financial planning, pension consulting, and referral and sub-advisory services with an investment approach that combines fundamental and technical analysis and uses a range of asset classes and strategies.

Tod Lenhoff is a financial advisor with Wealth Compass Financial, Inc. in Carlsbad, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior roles include positions at AE Wealth Management, Madison Avenue Securities, and managing his own insurance services firms. He is also president of a fixed income tax preparation practice. Wealth Compass Financial, Inc. provides discretionary portfolio management and integrated financial planning to individuals, high-net-worth clients, and pension/profit-sharing plans. The firm emphasizes individualized investment policy statements and a portfolio construction approach based on modern portfolio theory, offering ongoing monitoring and the use of major custodians.

Tamara Morgosh is a financial advisor at 10 Star Asset Management with 14 years of industry experience. She holds a Series 65 designation and has worked at 10 Star Asset Management since 2011. Outside of her advisory role, she is employed as a full-time accounts payable clerk at Halo Motor Company. 10 Star Asset Management provides discretionary investment management primarily for individuals, high-net-worth clients, trusts, estates, and a limited number of pension and retirement accounts. The firm utilizes licensed S&P research and model portfolios, combining qualitative and quantitative analysis to manage equity and income strategies with common stocks, ETFs, and options.

Alison Farrin is a financial advisor with Seaside Financial & Insurance Services, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She has worked at Fortune Financial Services, Inc. since 2014 and has been involved with Seaside Advisory and Innovative Pension Strategies, Inc. since 2011 and 1991, respectively. Farrin also conducts educational seminars to help 401(k) participants understand plan terminology and mechanics. Seaside Financial & Insurance Services serves primarily individual clients, including high-net-worth individuals, as well as pension plans, businesses, charities, and trusts. The firm provides portfolio management, financial planning, pension consulting, and insurance placement, employing long-term investment strategies documented in Investment Policy Statements.

Steven Nuckols is a financial advisor at Wealth Compass Financial, Inc. with nine years of industry experience. He holds a Series 65 credential and previously worked at Blankinship and Foster. In addition to his advisory role, he is an independent licensed insurance agent who occasionally offers insurance products to clients. Wealth Compass Financial serves individual investors, including high-net-worth clients, as well as pension and profit-sharing plans, providing discretionary portfolio management, investment oversight, and integrated financial planning. The firm’s investment approach is based on modern portfolio theory and emphasizes long-term strategies tailored to each client's objectives.

Barry Waits is a financial advisor at Waits Investments, LLC in Carlsbad, CA, with 14 years of industry experience. He holds Series 63 and Series 66 designations and has led Waits Investments since its founding in 2012. Outside of his advisory work, he manages a rental property in Maui through a property manager. Waits Investments primarily serves individual investors, trusts, estates, and charitable organizations with personalized financial planning, hourly consulting, and portfolio management. The firm employs a long-term, asset-allocation focused investment approach using a blend of low-cost index funds, ETFs, and selective active management, operating on a fee-only basis without commissions or third-party payments.

Flat-fee wealth management for families with $5M-25M. One transparent fee. No AUM. No hidden incentives. Not all “flat fee advisors” are interchangeable. It’s the difference between seeing a general physician and going to a specialist who deals with your exact situation every day. When the decisions are meaningful, the expertise behind them matters more. At your level, a single good decision, or avoided mistake, can be worth hundreds of thousands, sometimes millions. We are a flat-fee advisory firm designed for high net worth families who want: -A fee structure that doesn’t compound against them -Deep tax strategy -Institutional-quality advice -A family that flourishes across multiple generations Stephen Nelson, CFA, CFP® I am a Chartered Financial Analyst® (CFA) Charterholder and a CERTIFIED FINANCIAL PLANNER™ professional who has spent my career in investment management and financial planning. I received a Master of Science in Finance and a B.B.A. in Finance from the Cox School of Business at Southern Methodist University in Dallas, Texas. I serve families throughout San Diego and across the country.

Kelly Doyle is a financial advisor at Wealthrise Financial Planning, LLC with two years of industry experience. Prior to joining Wealthrise, she worked for nearly two decades at Rick Engineering Company and spent a year as a homemaker. She holds a Series 65 designation. Wealthrise Financial Planning serves individual and high-net-worth clients with discretionary portfolio management and comprehensive financial planning. The firm employs an evidence-based, tax-aware investment approach that emphasizes low-cost, broadly diversified passive funds and disciplined asset allocation, integrating behavioral considerations into portfolio construction.

Virginia Leon is a financial advisor at Pathway Advisors, LLC with 12 years of industry experience. She holds a Series 66 designation and has worked at firms including E.G. Sanchez & Associates and Independent Financial Group. Outside of her advisory role, she is also licensed as a real estate agent, spending limited time in that capacity. Pathway Advisors, LLC is a supported registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, and businesses. The firm offers portfolio management, financial planning, and pension consulting, managing approximately $58 million in assets across 107 clients as of December 31, 2024.

Blake Pinyan is a CFP® professional with six years of experience in financial advising. He is currently with Anchor Bay Capital, Inc., where he has worked since 2020. Prior to this, he held roles at Fidelity Investments, One Degree Advisors, and Weatherly Asset Management. Pinyan serves as president of the National Financial Planning Association NexGen chapter. Anchor Bay Capital, Inc. provides discretionary investment management, financial planning, and retirement-plan services to individuals, business entities, and pension plans. The firm constructs diversified portfolios based on fundamental analysis and independent due diligence, tailoring strategies to each client’s risk profile and financial situation.

Ashley Bleckner is a Certified Financial Planner (CFP®) with 10 years of industry experience. She has been with Ellevest since 2019 and is also affiliated with Rs Crum Inc. outside of her advisory role. Ellevest provides discretionary investment management and financial planning services with a focus on helping women plan and invest. The firm offers tailored portfolios emphasizing strategic asset allocation and diversification, along with values-aligned investment options and educational workshops.

Derek Long is a financial advisor at Intelligence Driven Advisers, LLC with three years of industry experience. He holds a Series 65 designation and previously worked in real estate, serving as President of Derek Long Realtor Corp since 2019 and with Signature Real Estate Group from 2015 to 2019. Outside of advising, he continues to be involved in residential real estate transactions through his role at Derek Long Realtor Corp. Intelligence Driven Advisers, LLC is a multi-team SEC-registered advisory firm managing approximately $882 million for individual and institutional clients, including retirement plans, trusts, estates, and Native American sovereign entities. The firm offers financial planning, discretionary investment management using model and custom portfolios, and retirement plan consulting, with an investment approach centered on risk management and fundamental analysis.

David Reyes is a CFP® professional with four years of industry experience. He currently serves at Intelligence Driven Advisers, LLC and previously worked at Pure Financial Advisors, Inc. for six years. Intelligence Driven Advisers, LLC is an SEC-registered multi-team advisory firm managing approximately $882 million for a variety of clients, including individuals, institutions, retirement plans, trusts, estates, and Native American sovereign entities. The firm provides financial planning, discretionary investment management through model and custom portfolios, retirement plan solutions, consulting, and held-away account management, with an investment process centered on risk management and fundamental analysis.

Ryan Gorski is a financial advisor at Pacific Point Wealth Management with seven years of industry experience. He holds a Series 66 designation and has previously worked at Edward Jones, Morgan Stanley, and Independent Financial Group. Outside of his advisory role, he consults on valuation and M&A deals as well as business optimization for financial firms. Pacific Point Wealth Management provides discretionary asset management and comprehensive portfolio management services for individuals, trusts, estates, and business entities. The firm employs a combination of fundamental and technical analysis with both long-term and active trading strategies, including the use of leverage and derivatives, to construct tailored portfolios aligned with client goals.

Brian Peterson is a financial advisor at Intelligence Driven Advisers, LLC with seven years of industry experience. He holds the Series 65 and Series 63 licenses. Prior to joining Intelligence Driven Advisers in 2023, he worked at Mutual of America and Tri Ad. Intelligence Driven Advisers, LLC is an SEC-registered multi-team advisory firm managing approximately $882 million for individual and institutional clients, including retirement plans, trusts, estates, and Native American sovereign entities. The firm employs a risk-managed investment process using primarily low-cost institutional mutual funds and ETFs, and offers services including financial planning, discretionary investment management, retirement plan solutions, and consulting.