Gagandeep Sahni is a financial advisor with Guardian Life, holding Series 63 and Series 65 licenses and over 30 years of industry experience. He has held roles at Park Avenue Securities and Guardian Life since 2012. Outside of his advisory work, Sahni is active in interfaith community organizations, serving as President of the InterReligious Council San Diego and as President and co-founder of The Sach Foundation, and participates in educational initiatives including speaking on Sikhism and serving on the Del Mar School Education Foundation board. Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm offers advisor-led discretionary and model-based investment management, access to proprietary and third-party platforms, and integrates insurance and alternative investment solutions.

Daniel Ortega is a financial advisor at Stratos Wealth Partners, Ltd., holding a Series 65 designation with one year of industry experience. His prior work includes roles at Mercer Global Advisors, San Diego State University, DoorDash Inc., Reliance Solar, Southwestern College, and Castle Park High School. Stratos Wealth Partners, Ltd. is an SEC-registered enterprise advisory firm with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base including individuals, retirement plans, corporations, nonprofits, and institutional clients, offering a range of advisory and portfolio management services through an open-architecture platform and multiple third-party partnerships.

Robert Leach is a financial advisor at Stratos Wealth Partners, Ltd with 30 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Wells Fargo Investments and Wells Fargo Clearing. He has been with Stratos Wealth Partners and LPL Financial since 2015. Stratos Wealth Partners, Ltd is an SEC-registered enterprise advisor with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a diverse client base, including high-net-worth individuals, retirement plans, corporations, nonprofits, and other institutional clients, offering a range of services such as advisor-managed programs, financial planning, third-party manager programs, and outsourced CIO solutions.

Jenny Cao is a financial advisor at Transamerica Financial Advisors with eight years of industry experience. She holds Series 63 and Series 65 licenses and has worked in various roles, including positions at WFG Direct, F3 Insurance Services LLC, and St. Joseph Hospital, where she has also served as a registered nurse. Cao is involved in the sales of insurance and non-insurance products affiliated with Transamerica Financial Advisors. Transamerica Financial Advisors serves a wide range of clients, including individual investors, pension and profit-sharing plans, trusts, estates, charitable organizations, and corporations. The firm offers both advisory and broker-dealer services, delivering advice through proprietary model suites and third-party managers with options for discretionary and non-discretionary management.

Adam Maietta is a financial advisor at Breckinridge Capital Advisors Inc with 13 years of industry experience. He holds a Series 65 designation and has been with Breckinridge since 2014. Breckinridge Capital Advisors manages over $50 billion in separately managed accounts and sub-advisory arrangements for a diverse client base, including high net worth individuals, charitable organizations, corporations, and mutual funds. The firm employs a combination of top-down macroeconomic analysis and bottom-up fundamental research across fixed income and equity strategies, supported by proprietary trading systems and a team-based portfolio construction process.

Kristopher Lindley is a CFP® with 24 years of industry experience, currently serving at Integrated Wealth Concepts LLC since 2018. He also has a long tenure with LPL Financial, dating back to 2008. Outside of his advisory work, he is involved as a referee with the CASRA Referee Association. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing a primarily long-term investment approach with customized portfolios that include mutual funds, ETFs, equities, and fixed income.

Edward Watson is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Independent Financial Group since 2011 and previously spent 12 years at Charles Schwab. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm employs a combination of firm- and third-party models to develop client strategies, offering discretionary and non-discretionary portfolio management through multiple platforms.

Brian Dennen is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and over 25 years of industry experience. His prior work includes roles at LPL Financial, Ally Invest Advisors, Wealthfront Advisers, and several other firms. Outside of advisory services, he is an officer and director at RAMONA WOODWORX LLC, a company involved in marketing and sales of outdoor furniture. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, and institutional plans. The firm offers financial planning and portfolio management through various platforms and employs a model-driven approach that combines strategic asset allocation with active and passive investment exposures.

John Ogden is a financial advisor at Oppenheimer with 45 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Morgan Stanley and Citigroup Global Markets. He also serves as a trustee for a personal family trust. Oppenheimer serves a wide range of clients including individuals, corporations, and charitable organizations, offering both discretionary and non-discretionary advisory services across various asset classes and investment strategies.

Emmanuel Llanda is a CFP® professional with Series 65 and Series 66 licenses, currently serving as a financial advisor at Schwab Wealth Advisory in San Diego, CA. He has two years of industry experience, including prior roles at Scharf Investments and Hall Capital Partners. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on proprietary asset-allocation models and research tools, with tailored recommendations reviewed at least annually.

Richard Gigliotti is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at Arbor Point Advisors, Securities America Inc, The Retirement Group, LLC, and Ernst & Young Investment Advisers LLP. He also manages his own securities business through an LLC. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser serving individual, pension, corporate, charitable, retirement plan, and sovereign wealth fund clients. The firm offers a variety of investment programs and consulting services, utilizing a mix of fundamental and technical analysis, tactical trading, and access to alternative investments and donor-advised funds.

Timothy Hayes is a CFP® with 53 years of industry experience, currently serving at Independent Financial Group, LLC since 2024. He previously worked at Crown Capital Securities, LP for 25 years and has operated his own investment and insurance business, Timothy Hayes Financial, since 1975. His other activities include ownership and management of Timothy Hayes Financial and Insurance Services, Inc., involved in the sale of fixed annuities and life insurance. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm employs a combination of firm- and third-party models for portfolio management, integrating strategic asset allocation with active and passive exposures across various risk profiles.

Chad Wilson is a financial advisor at Guardian Life with six years of industry experience. He holds the Series 66 designation and has worked at Park Avenue Securities, Guardian Life Insurance Company, Westpac Wealth Partners LLC, and the Stapleton Group. His career includes roles at both brokerage and advisory firms in the San Diego, CA area. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, retirement plan sponsors, and charitable organizations. The firm offers a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and access to insurance and alternative investment products through its connection with Guardian Life.

Kelsey Hasterlik is a CFP® with 15 years of industry experience, currently with Independent Financial Group, LLC since 2018. Prior to joining Independent Financial Group, she worked at Emerson Equity LLC, Nelson Brothers Professional Real Estate, Shopoff Securities, Inc., SGL Investment Advisors, Inc., and Lord, Abbett & Co. LLC. She also provides consulting services as an independent contractor to Mountain View Capital, LLC. Independent Financial Group, LLC serves individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers financial planning and portfolio management through multiple platforms and employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence in its investment approach.

Andrew Paulsen is a CFP® and holds a Series 65 license with three years of industry experience. He is currently with Cerity Partners LLC and previously worked at West Coast Financial, LLC. Before entering financial advising, he was affiliated with the University of San Diego for four years. Cerity Partners advises a diverse client base including individuals, families, trusts, business entities, and institutional investors, managing approximately $166.2 billion in assets. The firm offers customized wealth management services and employs a proprietary investment framework that integrates both third-party strategies and direct security selection, with access to alternative and private market solutions for qualified clients.

Margaret Fitzpatrick is a financial advisor at Breckinridge Capital Advisors Inc with nine years of industry experience. She holds Series 63 and Series 65 licenses. Her prior experience includes roles at Foreside Fund Services, LLC and Gurtin Fixed Income Management, LLC. Breckinridge Capital Advisors provides separately managed fixed income and equity strategies, sub-advisory services, and investment management for individual, high-net-worth, and institutional clients, primarily accessed through intermediaries. The firm manages over $54 billion in client assets and combines a top-down investment outlook with fundamental research and rules-based models, emphasizing tax-aware techniques and proprietary portfolio management systems.

Brett Pernicano is a CFP®, CFA®, and ChFC® with 20 years of experience in the financial advisory industry. He is currently with Corient, where he has worked since 2022. Prior to joining Corient, he spent nine years at Dowling & Yahnke, LLC. Corient provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach that incorporates both in-house strategies and third-party managers, with continuous portfolio monitoring and risk management tools to align investments with client objectives.

Matthew Sessa is a financial advisor at Independent Financial Group, LLC with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has worked with Timothy Hayes Financial & Investment Services Inc. and Crown Capital Securities, LP. Outside of financial advising, he is a licensed health insurance agent, a notary public, and an enrolled agent preparing taxes. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm employs a combination of strategic asset allocation and manager selection across passive and active exposures to deliver tailored investment solutions using both firm- and third-party models.

Skyler Anderson is a financial advisor with Principal Financial Services holding a Series 66 designation and beginning his advisory career in 2026. Prior to his advisory role, he worked for Hunter Industries, Agrisolutions, and The Toro Company over a period spanning 2005 to 2024. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various adviser and promoter arrangements.

Michael Dinh is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 licenses and three years of industry experience. He has held positions at Primoris Renewable Energy and F3 Insurance LLC, and has been associated with World Financial Group, Inc. since 2010. Outside of advisory work, he is employed as a toolroom manager at Primoris Renewable Energy. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services through proprietary and third-party model portfolios, with options for discretionary and non-discretionary management.