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.

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.

Bradley Ball is a financial advisor at Seaport Wealth Management in Escondido, CA, with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Newbridge Securities Corporation for 13 years before joining Seaport Wealth Management in 2020. Outside of his advisory role, he provides limited legal document preparation services, assisting individuals including his elderly father. Seaport Wealth Management is a small, two-advisor firm serving individual retail clients with a focus on passive portfolio management using diversified mutual funds and ETFs. The firm manages primarily nondiscretionary accounts and may recommend third-party managers for discretionary strategies when appropriate.

Frank Montes is a financial advisor at Torrey Pines Financial, Inc. with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has operated Frank E. Montes Financial Services, Inc. since 2001. Montes receives commissions for insurance products including fixed and indexed annuities, life, medical, disability, long-term care, dental, and vision insurance. Torrey Pines Financial provides financial planning, consulting, and portfolio management services to individuals, trusts, estates, and retirement plans. The firm emphasizes fundamental analysis and Modern Portfolio Theory to develop diversified, long-term investment strategies, often allocating assets among independent third-party managers and focusing on manager selection and monitoring.

Kevin Barrett is a financial advisor with Wealth Alliance, LLC in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Wealth Alliance since 2006 and also maintains a role at Independent Financial Group, LLC. Outside of financial advising, he is the owner of VitalNRG, a company developing a wave energy converter device, and serves as a consultant for Innovative California Biosciences International. Wealth Alliance serves individuals, families, trusts, estates, retirement-plan participants, and small businesses, with a focus on business owners and executives transitioning to retirement as well as emerging-wealth professionals. The firm manages approximately $64.5 million for around 266 clients and offers discretionary investment management along with personal financial analysis and consulting, utilizing proprietary model portfolios and a combination of quantitative and fundamental investment selection methods.

Fabian Waldner is a financial advisor at Eiger Wealth Management, LLC with 18 years of industry experience. He holds a Series 65 designation and has been with Eiger Wealth Management since 2019, following a 12-year tenure at Cornerstone Wealth Management. Eiger Wealth Management primarily serves individual accredited and high-net-worth clients, as well as qualified retirement plans, trusts, and other entities, offering wealth management, portfolio management, and financial planning. The firm employs a multi-asset approach that combines publicly traded equities, fixed-income strategies, interval funds, and private placements, while also utilizing third-party managers and providing access to private investment opportunities.

Michael Malvin is a financial advisor at Decision Investments, Inc. in San Diego, CA, holding Series 63, 65, and 66 licenses with 23 years of industry experience. He has been with Decision Investments since 2007. Decision Investments serves individuals—including both high-net-worth and non-HNW clients—as well as non-profit organizations and corporate plan sponsors. The firm provides discretionary portfolio management, financial planning, and retirement-plan consulting, employing an active, tactical asset-allocation approach that combines fundamental and technical analysis with regular portfolio reviews.

Richard Vertucci Jr. is a financial advisor at Salient Wealth Planning with eight years of industry experience. He holds the Series 66 designation and previously worked at Ameriprise Financial Services, Inc. for nine years. Outside of finance, he was involved with Lakeside Tavern & Marina for four years. Salient Wealth Planning is an SEC-registered advisory firm serving individuals, high-net-worth clients, trusts, estates, and businesses. The firm manages approximately $239 million across a three-advisor team, using a long-term, fundamental-analysis approach and diversified portfolios that include low-cost mutual funds, ETFs, and selectively held individual securities.

Jacqueline Buenrostro is a financial advisor at D. M. Brenner, Inc. with a Series 65 designation and one year of industry experience. She has been with D. M. Brenner, Inc. since 2022 and previously worked in education from 2015 to 2018. D. M. Brenner, Inc. offers customized financial planning, discretionary asset management, and qualified plan consulting to individuals and business clients. The firm manages portfolios using mutual funds, ETFs, and individual securities, applying an investment approach based on Modern Portfolio Theory with a focus on aligning portfolios to clients’ goals and risk tolerance.

Steven Wittenberg is the sole advisor at Independent Wealth Solutions with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has operated Wittenberg Financial and Insurance Services, Inc. since 2015. Previously, he was involved with The Inspired Youth from 2011 to 2017. Independent Wealth Solutions provides advisory services to individuals, corporations, and tax-qualified 401(k) plans primarily through selecting and referring third-party investment advisers and acting as a solicitor. The firm also offers pension consulting and 401(k) plan services using the Betterment at Work platform and is affiliated with an insurance entity that sells fixed annuities.

Kyle Stits is a financial advisor with Cooper Capital Group in Encinitas, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investment and Northwestern Mutual. Cooper Capital Group serves individual and high-net-worth clients, providing discretionary asset management, comprehensive portfolio management, financial planning, and retirement plan consulting. The firm employs a diverse investment approach that incorporates fundamental, technical, quantitative, and sector analysis across a wide range of strategies, with ongoing portfolio monitoring and rebalancing.

Rebecca Dodge is a CFP® and CFA® with seven years of industry experience. She has worked at Brian D. Lowder, Inc. since 2019 and previously spent four years at Brandes Investment Partners. Brian D. Lowder, Inc. provides fee-only financial planning and investment management services to individuals, families, trusts, corporations, and charitable organizations. The firm customizes investment portfolios based on client objectives and risk tolerance, employing a core-and-satellite approach with ongoing portfolio monitoring.

Lawrence Ladd is a CFP® and CFA® with 13 years of industry experience currently working at Coronado Investment Advisors, LLC. He has held positions at Magellan Federal, My Secure Advantage, and Zeiders Enterprises. Ladd also serves as a financial counselor for military service members, providing budgeting and credit counseling services. Coronado Investment Advisors offers discretionary portfolio management and advisory services to individuals, families, trusts, corporations, endowments, and government entities. The firm employs an adaptive, active investment approach combining fundamental, technical, and probabilistic methods, utilizing primarily individual stocks, bonds, and ETFs.

Timothy Winter is a CFP® with 21 years of industry experience, currently serving as the sole advisor at Steward Family Office, Inc. since 2014. He provides management advisory services to his firm and performs additional consulting work for CTJML, Inc. Steward Family Office, Inc. offers financial consulting and family office services to high-net-worth families, trusts, and foundations, focusing on reporting, estate and philanthropic consulting, private equity, and administrative coordination without managing client investments or custody.

Todd Frank is a financial advisor with Frank Financial Advisors in Carlsbad, CA, holding the PFS™ and Series 66 designations and bringing 25 years of industry experience. He has been with Frank Financial Advisors since 2008. Outside of his advisory role, he is licensed to sell non-variable life, health, and disability insurance products. Frank Financial Advisors provides discretionary asset management, financial planning, and consulting services to a diverse client base, including high-net-worth individuals, trusts, estates, and charitable organizations. The firm employs primarily no-load or low-load mutual funds and ETFs, using both fundamental and technical analysis across long- and short-term strategies.

As a fee-only fiduciary at Clearview Financial, I am dedicated to providing tax-smart financial planning and investment management that looks at the big picture. Since 2018, I have specialized in building comprehensive strategies where financial decisions are evaluated alongside their tax implications to help clients keep more of what they earn. My professional background is built on a foundation of rigorous education, including a CFP® certification following my time at Gonzaga University and a CPA designation earned after completing my Master’s in Accounting at Sacramento State University. This dual background allows me to offer a technical perspective that ensures tax strategy is a core part of every financial plan. My goal is to provide a clear, coordinated path for your wealth so you can feel confident that your financial decisions are working together for your long-term benefit. When I’m not in the office, you can usually find me in Encinitas, walking the beach with my wife and our dog.

Chris Cho is a CFA® charterholder with seven years of industry experience, currently serving as an advisor at Fairbanks Capital Management, Inc. since 2015. He holds the Series 63 license and is based in Rancho Santa Fe, California. Fairbanks Capital Management provides discretionary investment management primarily to individual clients, including high-net-worth and non-HNW individuals, as well as institutional entities such as foundations, trusts, IRAs, and pooled investment vehicles. The firm employs a concentrated, long-term equity approach focused on purchasing businesses below intrinsic value, manages investment-grade fixed income with active duration control, and applies explicit risk controls within a purely discretionary framework.

Scott Bramwell is a financial advisor at Eiger Wealth Management, LLC with 21 years of industry experience. He holds the PFS™ designation and Series 65 license. Prior to joining Eiger Wealth Management in 2019, he worked at Cornerstone Wealth Management for 16 years. Eiger Wealth Management advises individual accredited and high-net-worth clients, as well as qualified retirement plans, trusts, and other entities. The firm employs a multi-asset investment approach that includes equities, fixed income, interval funds, and private placements, often delegating portfolio segments to third-party managers while providing access to private and real-estate-focused investments.

Mary Van Nostrand is a CFP® professional with 22 years of experience in financial advisory services. She has worked at Van Nostrand Wealth Management LLC since 2019 and previously spent eight years with Duttenhofer Advisory Group. Van Nostrand Wealth Management LLC serves individual clients, including high-net-worth households, retirement plans, and small businesses, offering integrated wealth management that combines financial planning and investment management. The firm customizes its investment approach based on each client’s goals and risk tolerance, using a mix of passive and active strategies primarily through mutual funds and exchange-traded funds.

Jodi Vleck is a CFP® professional with 22 years of industry experience, currently serving as an advisor at Beta Wealth Group, Inc since 2012. She holds Series 63 and Series 65 licenses. Beta Wealth Group serves individuals, high-net-worth clients, and institutional clients, offering portfolio management, financial planning, retirement plan consulting, and institutional sub-advisory services. The firm’s investment approach is individualized and includes the use of ETFs, mutual funds, stocks, bonds, option strategies, and delegated management.