Jenifer Pratt is a CFP®, PFS™, and Series 65-registered advisor at Creative Planning with 11 years of industry experience. She worked at Reilly Financial Advisors, LLC for five years before joining Creative Planning in 2021. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that includes low-cost indexing, buy-and-hold strategies, tax-loss harvesting, and selective private market investments, managing approximately $295.6 billion in client assets.

Chomreun Pao is a financial advisor at Commonwealth Financial Network with seven years of industry experience. He holds Series 66 and Series 63 designations. Prior to joining Commonwealth in 2021, he worked at CUSO Financial Services, LP for nine years. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 affiliated advisors and numerous individual and institutional clients. The firm provides a broad adviser-support platform, including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

John Rey is a CFP® professional with two years of experience, currently affiliated with Commonwealth Financial Network and JM Financial Strategies. He previously worked at Tushaus Group, LLC. Outside of his advisory role, he teaches leadership training with the Carmelite Sisters in San Diego. Commonwealth Financial Network is a registered investment adviser serving a national network of approximately 2,950 advisors and their clients. The firm provides a range of advisory programs and operational support, allowing advisors discretion to construct client portfolios while offering managed model portfolios and distinct program structures.

Doan Nguyen is a financial advisor with Primerica Advisors based in San Diego, CA, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance, and Cambridge Investment Research Advisors. Outside of advisory work, he is involved in Medicare plan sales. Primerica Advisors serves a diverse retail client base, offering brokerage and advisory services along with financial planning and retirement consulting. The firm employs a variety of investment strategies through proprietary and third-party platforms and supports both discretionary and non-discretionary account management.

Dena Schwartz is a financial advisor at Independent Financial Group, LLC with 29 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at LPL Financial for 14 years. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers a range of brokerage, portfolio management, financial planning, and retirement services, managing approximately $11.3 billion in regulatory assets through a national network of Investment Adviser Representatives.

Jerald Van Houten is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at Cetera and Cetera Advisor Networks for a combined 11 years before joining Independent Financial Group in 2023. Outside of his advisory role, Van Houten volunteers teaching financial biblical education and coaching through Kingdom Advisors and the John Maxwell Group, and serves as Central Valley Chapter President of the Main Street Chamber. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, high-net-worth clients, charities, corporations, and plan sponsors. The firm offers a range of advisory programs and brokerage services, utilizing risk-tolerance profiles to manage client assets across multiple platforms and third-party managers.

Michael Tallon is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Mariner Wealth Advisors since 2021. His prior roles include positions at JP Morgan Securities, Strategic Advisers, Inc., and Fidelity Investments. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, and retirement consulting. The firm combines in-house research with third-party managers and provides integrated tax and accounting services alongside traditional portfolio management.

Samuel Ramirez is a financial advisor at Hightower Advisors with a Series 65 credential and one year of industry experience. Prior to joining Hightower Advisors in 2025, he worked at Kelly & Wohlner Group and Northrop Grumman, and served ten years in the US Navy. Hightower Advisors provides investment advisory and planning services to a broad mix of individual and institutional clients, offering discretionary and non-discretionary portfolio management, financial planning, and retirement plan consulting through a network of Advisor Practices. The firm’s approach includes manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, as well as proprietary research and diverse portfolio construction techniques.

Kateryna Mc Isaac is a financial advisor at Commonwealth Financial Network with seven years of industry experience. She holds the Series 66 designation and has worked at Commonwealth since 2017, following three years at Pioneer Healthcare Services LLC. Based in San Diego, CA, her career spans both healthcare services and financial advisory roles. Commonwealth Financial Network serves a national network of approximately 2,950 advisors and their retail and institutional clients, providing a range of advisory programs and support services. The firm offers various investment solutions including discretionary model portfolios and personalized indexing, while acting as a platform provider for advisors who often operate under their own brand names.

Nathanael Posada is a CFP®-designated financial advisor with Schwab Wealth Advisory in San Diego, CA, bringing seven years of industry experience. He has worked with Schwab Wealth Advisory since 2021 and has been associated with Charles Schwab & Co., Inc. since 2018. His prior experience includes roles at Grand Canyon Education and Paradise Valley Country Club. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering services such as annual financial reviews, retirement planning, and diversified investment recommendations. The firm operates within the Schwab ecosystem, using standard asset allocation models and research tools, while leaving final trading decisions to clients.

Daniel Gensler is a CFP® with 39 years of industry experience, currently serving at Wealth Enhancement Advisory Services, LLC. His career includes long tenures at LPL Financial LLC and The Gensler Group. He is also an author of a book. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise firm serving a wide range of clients, including individuals, trusts, charitable organizations, corporations, and retirement plans, providing financial planning, asset management, and specialized consulting through a network of hundreds of advisors. The firm’s investment approach combines strategic allocation across risk classes with a mix of passive and active management, supported by an internal Investment Committee and research incorporating quantitative and fundamental analysis.

Todd Oberlin is a financial advisor with Commonwealth Financial Network in La Mesa, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. His prior work includes 18 years at Sagepoint Financial, Inc., followed by roles at OSAIC and Terramar Wealth. He is also the owner of Oberlin Financial Services, Inc., a private entity facilitating insurance business. Commonwealth Financial Network is a registered investment adviser supporting a national network of approximately 2,950 advisors and their clients. The firm offers a range of advisory programs and services, including discretionary model portfolios and personalized indexing, while providing operations, technology, compliance, and practice-management support to affiliated advisors.

Brandon Wissinger is a CFP® advisor at Mercer Global Advisors Inc. in San Diego, CA, with nine years of industry experience. He has been with Mercer Global Advisors since 2016. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, non-profits, and endowments by providing investment advisory services along with financial, tax, retirement, and estate planning. The firm’s investment approach is based on Modern Portfolio Theory and emphasizes globally diversified, risk-appropriate portfolios implemented through a variety of investment vehicles and specialized programs.

Suzette Lawrence is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. She previously worked at D.A. Davidson & Co. for 11 years before joining Independent Financial Group in 2024. Outside of her advisory role, Lawrence serves as a Girl Scout leader for Troop 4751 in Greater Los Angeles. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser that provides brokerage, portfolio management, financial planning, and retirement plan services to individuals, charities, corporations, and plan sponsors. The firm offers a range of advisory programs through its AccessPoint platform and third-party asset managers, serving a diverse client base including high-net-worth individuals and institutions.

Kim Mahoney is a financial advisor with Primerica Advisors and holds Series 63 and Series 66 licenses. He has 13 years of industry experience and has worked with Park Avenue Securities and Guardian Life Insurance Company since 2015. Mahoney serves as a board member for the Exit Planning Institute San Diego Chapter and volunteers as an advisor for the Owners in Honor Veteran Charity Board. He is also a member of the US Marine Corps Reserves. Park Avenue Securities LLC serves a broad retail client base, offering both brokerage and advisory services, including financial planning and business consulting. The firm employs a range of investment strategies through proprietary and third-party portfolios and supports various account-level services such as lending solutions and donor-advised funds.

Rod Crews is a financial advisor at Primerica Advisors with 29 years of industry experience. He holds Series 63 and Series 65 licenses and has worked extensively with Guardian Life Insurance Company and Park Avenue Securities. Park Avenue Securities LLC serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers brokerage and advisory services, financial planning, and retirement and business consulting, utilizing proprietary model portfolios, third-party managers, and a digital advice platform.

Brock Biesel is a financial advisor at AE Wealth Management, LLC with a Series 65 credential and less than one year of industry experience. He has previously worked at Bergen Financial Group and held roles outside finance at Ace Parking and Walmart. AE Wealth Management serves a diverse client base including individual investors, retirement plan sponsors, trusts, charitable organizations, and businesses. The firm offers model portfolio solutions, discretionary asset management, financial planning, and consulting through a platform that combines internally managed, third-party, and advisor-managed models.

Alice Ruiz is a CFP® with 16 years of industry experience, currently with Schwab Wealth Advisory. Her prior experience includes roles at Fidelity Investments, JP Morgan Securities LLC, and Wells Fargo Advisors. She holds a Series 66 license and is based in San Diego, CA. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, using Schwab’s asset allocation models and research tools. The firm focuses on delivering annual financial reviews and investment recommendations while leaving final trading decisions to clients.

Hakim Dysart is a financial advisor at Mariner with six years of industry experience and holds a Series 66 designation. He has worked at several firms, including UBS Financial Services, Raymond James Financial, and Mission Federal Credit Union. Mariner serves a diverse client base, including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement consulting, and coordinated tax services. The firm employs discretionary, customized portfolios supported by an internal team and third-party managers, and it provides integrated tax, accounting, and financial wellness solutions alongside traditional portfolio management.

Jalyn Lupo is a financial advisor at Guardian Life with two years of industry experience. She holds a Series 66 designation and previously worked at Triad Components Group. Jalyn was also a full-time student for ten years prior to her advisory career. Guardian Life’s subsidiary, Park Avenue Wealth Management, serves individual clients, including high-net-worth individuals, as well as institutional clients through brokerage services, financial planning, and advisory programs that include both proprietary and third-party investment strategies.