Benjamin Koala is a CFP® and PFS™ with 11 years of experience in financial advisory and related fields. He is the CFO and one-third owner of Koala Financial, where he also manages tax preparation and accounting services. Koala serves as a finance officer in the Air National Guard and holds leadership roles in the Chula Vista Rotary Club, including President of its nonprofit foundation. He is also the owner of Koala Law PC, a law firm providing legal services alongside his financial practice. Koala Financial offers investment advisory services primarily to individuals and high-net-worth clients, incorporating pension consulting and written financial planning. The firm combines accounting, tax, legal, insurance, and real estate services, employing a multifaceted investment approach that includes discretionary portfolio management and various analytical methods.

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.

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.

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.

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.

Brady Bishop is a financial advisor at Waits Investments, LLC with two years of industry experience. He holds a Series 65 designation and previously worked for the San Diego Futures Foundation for 15 years. Waits Investments primarily serves individual investors, trusts, estates, and charitable organizations, offering personalized financial planning, hourly consulting, and ongoing portfolio management. The firm employs a long-term, asset-allocation focused investment approach that combines low-cost index funds and ETFs with selective active management.

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.

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.

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.

Scott Kyle is a financial advisor at Coastwise Capital Group, LLC in La Jolla, CA, holding a Series 65 designation with 19 years of industry experience. He has been with Coastwise Capital Group since 2006. Coastwise Capital Group provides discretionary portfolio management, financial planning, and consulting services to individuals, corporations, trusts, estates, and charitable organizations. The firm manages approximately $184 million in assets and employs both fundamental and technical analysis across a broad range of investment instruments.

Riley Kelly is a Chartered Financial Consultant (ChFC®) with over 40 years of experience in the financial services industry. He has been with Wealth Legacy Group, Inc. since 2006 and also owns R. J. Kelly Financial & Insurance Services, where he sells life and health insurance. He is based in San Diego, California. Wealth Legacy Group, Inc. serves high-net-worth families, business owners, nonprofits, and institutional clients by providing integrated wealth planning, business succession, philanthropic planning, and insurance guidance. The firm employs a proprietary planning process and utilizes third-party managers for investment implementation, focusing on coordinated, multi-topic planning and discretionary management through institutional platforms.

David Tsow is a financial advisor at Pandora Wealth, Inc. in San Diego, CA, holding Series 63 and Series 66 licenses with 25 years of industry experience. His prior work includes ten years at Charles Schwab and five years at Spotlight Asset Group. Pandora Wealth provides discretionary portfolio management and financial planning services to individual, high-net-worth, business, and institutional clients. The firm constructs customized, diversified portfolios and employs fundamental and cyclical analysis, offering tailored strategies for special situations alongside estate-planning document services through a partnership with Helios Integrated Planning.

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.

Jason Barney is a financial advisor at Wealth Alliance, LLC in El Cajon, CA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 27 years of industry experience and has been with Wealth Alliance since 2011. In addition to his advisory role, he owns Wealth Alliance Tax and Financial Services LLC, which provides tax preparation, bookkeeping, and payroll processing. Wealth Alliance serves individuals, families, trusts, estates, retirement-plan participants, and small businesses, focusing on business owners, executives transitioning to retirement, and emerging-wealth professionals. The firm manages approximately $64.5 million across 266 clients using proprietary model portfolios and combines quantitative and fundamental analysis with discretionary portfolio management.

Andreas Melzer is a financial advisor with Torrey Wealth, LLC and holds a Series 66 license. He has 11 years of industry experience, including prior roles at Charles Schwab & Co., Charles Schwab Bank, TD Ameritrade Institutional, AXA Advisors, Foresters Financial, IUPS, and Morgan Stanley. Outside of his advisory work, he serves as a lacrosse referee for the San Diego County Lacrosse Officials Association. Torrey Wealth serves individuals, trusts, estates, corporations, and pension or profit-sharing plans, providing wrap asset management and standalone financial planning. The firm emphasizes diversified portfolios using low-cost equity index ETFs and fixed-income instruments, employing a mix of quantitative, fundamental, technical, sector, and cyclical analysis tailored to client preferences.