Douglas Anderson is a CFP® with 13 years of industry experience and has been with Life Strategies, Inc. since 2009. He holds Series 63 and Series 65 licenses and operates as the sole advisor at his independent firm based in Cardiff, CA. Life Strategies, Inc. provides discretionary portfolio management and financial planning services to individuals and high-net-worth clients. The firm uses a fundamental, long-term buy-and-hold investment approach and develops customized Investment Policy Statements to guide portfolio management.

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.

Matthew Ryan is a CFP® and CFA® with eight years of industry experience. He is the sole advisor at Focused Mission Financial, where he has worked since 2022. Prior to that, he spent seven years at Creative Capital Management, LLC. In addition to his advisory role, Matthew creates financial educational videos and hosts webinars for various clients. Focused Mission Financial is an independent firm that provides fee-only investment management and financial planning to individuals, including high-net-worth clients, as well as advisory services to employer plan sponsors. The firm employs asset-allocation strategies based on Modern Portfolio Theory, combining passive and active investments, and offers educational workshops and retirement plan consulting services.

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.

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.

Andrea Karafilis is a financial advisor at Karafilis Investments Corporation with 23 years of industry experience. She holds a Series 65 designation and has been with Karafilis Investments Corporation since 2006. The firm provides discretionary investment advisory services primarily to high-net-worth individuals, trusts, estates, and corporate entities. Karafilis Investments Corporation employs a long-term, low-cost investment philosophy focused on diversification and portfolio construction using Dimensional Fund Advisors’ enhanced-index mutual funds guided by Modern Portfolio Theory and a multifactor model.

Hugo Lopez is a financial advisor at Lighthouse Advisory Services, Inc. with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Fortune Financial Services, Inc. and Seaside Advisory Services, Inc. Lopez also operates as an independent insurance agent. Lighthouse Advisory Services provides portfolio management, financial planning, and pension consulting to individuals and pension and profit-sharing plans, including 401(k) sponsors. The firm emphasizes non-discretionary portfolio management and offers participant education programs and group seminars focused on enrollment, investment choices, and ERISA 404(c) compliance.

Hi, I’m Alan Nelson, Founder of Measured Money Maneuvers. My “money” story began many years ago with my decision to enlist in the Navy. At the time, I was independent and living on my own, attending community college and working full-time to make ends meet, but was not really sure what I wanted to do with my life, and didn’t want to get shackled into a ton of student loan debt and paying it off into my 30s and 40s. So, I raised my right hand and took the oath with the goals to serve our country, learn valuable skills, hopefully figure out what I wanted to pursue in life, and get my college education paid for…or at least get the GI Bill to assist with college later. Like many young enlisted starting out, in the first two years, my two roommates and I were fooled by the predatory insurance salesman and purchased a whole life policy as an “investment” with the promise of the “guaranteed” 7% rate of return. Thankfully, we had some senior enlisted leaders that knew better and told us to get out of it immediately before the 30-day window closed and we’d have had to pay a huge surrender fee to get out. This was my initial wake-up call that I needed to learn more about personal finance and investing. I was fortunate to earn a commissioning program within a couple years and while I initially thought I’d transition out in 6-8 years, I went on to serve a 25-year career as a submarine officer. As a young junior officer, I wanted to help my Sailors holistically – professionally, personally and of course, financially. Many young service members make poor early financial decisions that can take them years to recover from due to: 1) lack of financial literacy, 2)having their own paycheck for the first time in many cases and, 3) being the target for many unprincipled salespeople. Despite also working at an innovative high-tech company with brilliant engineers, I realized quickly these highly-educated people still didn’t know much about personal finance. People asked how I knew so much, so I offered an initial lunch and learn. The feedback was so positive and by the second seminar, it became undeniably clear that helping people with money to live their best life was my passion and I knew I needed to earn my credentials as a CERTIFIED FINANCIAL PLANNER™ Professional. While I will continue to educate, I realized that I could truly help more people by starting my own fee-only, fiduciary registered investment advisor (RIA) firm, Measured Money Maneuvers LLC.

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.

Andrew Fowler is a CFA® charterholder and holds a Series 63 license, with two years of experience in the financial industry. He is currently the sole advisor at Torrey Pines Investment Management, an independent firm based in Del Mar, CA. His prior experience includes roles at Liquid Investments, Inc, Bridge33 Capital, Dodge & Cox, and the Stanford Graduate School of Business. Torrey Pines Investment Management offers investment advisory services, active portfolio management, and financial planning to high-net-worth individuals and certain charitable organizations. The firm’s approach centers on proprietary fundamental research of equities and municipal bonds, emphasizing cost-conscious, tax-efficient strategies with low portfolio turnover.

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.

Stephen Jensen is a managing partner at Jensen Capital Asset Management with 13 years of industry experience. He holds Series 63 and Series 65 licenses and has held roles at firms including Pickwick Capital Partners and Juniper Square Inc, where he serves as SVP of Sales. Jensen is also CEO and equity owner of Jensen Capital Group, a family office holding company. Jensen Capital Asset Management is a state-registered investment manager providing discretionary portfolio management for individuals, trusts, and estates. The firm combines fundamental and technical analysis to construct tax-efficient portfolios primarily using individual bonds, equities, and low-cost ETFs, and does not employ options, margin, short sales, or managed futures.

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.

Krysta Kelly is a CFP® with 14 years of industry experience, currently serving at D’Arcy Capital Management, LLC since 2011. She is based in San Diego, CA, and is part of a four-advisor team. D’Arcy Capital Management provides personalized investment management and comprehensive financial planning to individuals, trusts, estates, retirement plans, and institutions. The firm uses a core-and-satellite approach blending active and passive investments, offering diversified and non-diversified strategies with a focus on long-term fundamental analysis and customized solutions for high-net-worth clients.