Ryan Beckham is a CFP®, CFA®, and holds a Series 65 license with 12 years of industry experience. He worked for Telos Capital Management, Inc. from 2013 to 2026 before joining Brian D. Lowder, Inc. in San Diego, CA. Brian D. Lowder, Inc. provides fee-only financial planning and investment management services to individuals, families, trusts, corporations, and charitable organizations. The firm constructs portfolios based on client objectives, tax considerations, and risk tolerance, using a core-and-satellite investment approach with an emphasis on fundamental analysis and diversification.

Vincent Stefano is a financial advisor at WWM Financial in Carlsbad, CA, with 14 years of industry experience. He holds Series 63 and Series 66 designations and has been with WWM Financial since 2013. WWM Financial provides asset management, financial planning, and consulting services to individuals, high-net-worth clients, trusts, retirement plans, and business entities. The firm manages approximately $342 million in assets, employing a multi-disciplinary investment approach with tailored portfolio supervision and a mix of securities and strategies.

Carl Wiese is a CFA® charterholder with eight years of industry experience, currently serving as an advisor at GROW Funds LLC. He also works 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 is a state-registered investment adviser providing discretionary portfolio management and pension consulting to individual, retirement plan, business, and institutional clients. The firm offers separately managed accounts guided by fundamental research as well as concentrated, opportunistic strategies through privately offered pooled vehicles.

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.

Dean Ferraro is a financial advisor at Longhouse Wealth Management with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at HD Vest Investment Services. Ferraro is also the owner of Authoritax, an accounting and tax preparation firm. Longhouse Wealth Management provides discretionary portfolio management and investment education to individuals, families, trusts, business entities, and retirement plans. The firm customizes portfolios according to client objectives and employs a range of investment vehicles, while offering community-focused educational content and events.

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.

Constance Maples is a CFP® and ChFC® with 26 years of industry experience. She currently serves as an advisor at Lanyon Advisory Services and has been with Viewpoint Financial Partners, LLC since 2015. In addition to her advisory role, she is a licensed insurance agent. Lanyon Advisory Services provides portfolio management, financial planning, and access to third-party managers for individuals, high-net-worth clients, charitable organizations, and business entities. The firm manages approximately $109 million across about 70 clients, utilizing a variety of analytical approaches and investment strategies that include traditional and alternative assets.

Philip Smith is a CFP® and ChFC® with 26 years of industry experience. He is currently a financial advisor with Salient Wealth Planning and has previously worked at Ameriprise Financial Services, Inc. and Purshe Kaplan Sterling Investments. Smith also assists clients with term, long-term care, and disability insurance. Salient Wealth Planning is a registered investment adviser serving individual and high-net-worth clients, trusts, estates, and businesses. The firm manages approximately $239 million in client assets, focusing on long-term, fundamental analysis to build diversified portfolios using low-cost mutual funds, ETFs, and occasionally individual securities.

Daniel Mauser is a financial advisor with Cosmos Wealth, LLC, holding Series 66 and Series 63 licenses and 11 years of industry experience. His previous roles include positions at Rely Wealth Partners, TRU Independence Asset Management 2, and Investment Placement Group. Cosmos Wealth is an SEC-registered investment adviser offering discretionary investment management and comprehensive financial planning, serving primarily larger or non-typical retail clients. The firm employs a blend of active and passive investment strategies and provides hourly consulting for project-based engagements.

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 CERTIFIED FINANCIAL PLANNER™ at Carter Financial, LLC with 10 years of industry experience. She has worked at Wells Fargo Clearing, Clarity Wealth Advisors, and LPL Financial prior to joining Carter Financial in 2019. Carter Financial provides discretionary portfolio management and comprehensive financial planning services to individuals, high-net-worth clients, trusts, estates, and business entities. The firm employs fundamental analysis and multi-style asset allocation with a focus on ETFs and mutual funds while maintaining flexibility to use individual securities and options as appropriate.

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.

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.

Joel Everett is a CFP® and ChFC® with 11 years of experience in financial advising. He has been with Financial Planning Consultants and affiliated with LPL Financial since 2015. In addition to his advisory role, he serves as an insurance agent specializing in life, disability, and long-term care policies. Financial Planning Consultants offers financial planning and consulting services to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm provides non-discretionary investment recommendations across a range of asset types, focusing on a long-term, value-oriented approach without managing client assets or charging fees based on assets under management.

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.

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.

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.

Frank Montes Jr. is a financial advisor at Torrey Pines Financial, Inc. He holds Series 63 and Series 65 licenses and has 18 years of industry experience. Montes has operated Frank E. Montes Financial Services, Inc. since 2001. He also receives commissions from insurance companies for 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, focusing on trusts, estates, retirement plans, and IRAs. The firm uses fundamental analysis and Modern Portfolio Theory to develop long-term, asset-allocation strategies and introduces clients to third-party asset managers.

Kevin Barrett is a financial advisor with Wealth Alliance, LLC in San Diego, California, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has been with Wealth Alliance since 2006 and previously worked at Independent Financial Group, Wealth Analytics, Inc., and Hornor, Townsend & Kent. Outside of advisory work, he is involved as the owner of VitalNRG, a company developing a wave energy converter device, and serves as an independent contractor providing consulting services to Innovative California Biosciences International. Wealth Alliance, LLC provides investment management and financial analysis to individuals, families, trusts, estates, small businesses, and retirement plan participants, with a focus on business owners, executives nearing retirement, and emerging-wealth professionals. The firm manages about $70 million using a range of investments including ETFs, mutual funds, bonds, and alternative assets, combining fundamental and quantitative analyses with risk-assessment tools, and integrates tax and accounting services through affiliated professionals.