Lincoln Muriithi is a financial advisor at First Command Advisory Services with one year of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Lincoln and Associates Capital LLC and Kozminski University. First Command Advisory Services is an SEC-registered investment adviser serving individuals, corporate, and charitable clients, with a focus on active-duty service members and their families. The firm offers financial planning and multiple wrap-fee asset management programs that utilize model portfolios and third-party managers selected by a centralized Investment Management Team.

Richard Gigliotti is a financial advisor with Osaic Advisory Services, LLC, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at Arbor Point Advisors, Securities America Inc, The Retirement Group, LLC, and Ernst & Young Investment Advisers LLP. He also manages his own securities business through an LLC. Osaic Advisory Services, LLC is an SEC-registered enterprise adviser serving individual, pension, corporate, charitable, retirement plan, and sovereign wealth fund clients. The firm offers a variety of investment programs and consulting services, utilizing a mix of fundamental and technical analysis, tactical trading, and access to alternative investments and donor-advised funds.

Timothy Hayes is a CFP® with 53 years of industry experience, currently serving at Independent Financial Group, LLC since 2024. He previously worked at Crown Capital Securities, LP for 25 years and has operated his own investment and insurance business, Timothy Hayes Financial, since 1975. His other activities include ownership and management of Timothy Hayes Financial and Insurance Services, Inc., involved in the sale of fixed annuities and life insurance. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, and institutional investors. The firm employs a combination of firm- and third-party models for portfolio management, integrating strategic asset allocation with active and passive exposures across various risk profiles.

Chad Wilson is a financial advisor at Guardian Life with six years of industry experience. He holds the Series 66 designation and has worked at Park Avenue Securities, Guardian Life Insurance Company, Westpac Wealth Partners LLC, and the Stapleton Group. His career includes roles at both brokerage and advisory firms in the San Diego, CA area. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of The Guardian Life Insurance Company of America, provides brokerage and investment advisory services to individuals, retirement plan sponsors, and charitable organizations. The firm offers a range of financial planning and consulting services, combining advisor-led discretionary management with model-based strategies and access to insurance and alternative investment products through its connection with Guardian Life.

Kelsey Hasterlik is a CFP® with 15 years of industry experience, currently with Independent Financial Group, LLC since 2018. Prior to joining Independent Financial Group, she worked at Emerson Equity LLC, Nelson Brothers Professional Real Estate, Shopoff Securities, Inc., SGL Investment Advisors, Inc., and Lord, Abbett & Co. LLC. She also provides consulting services as an independent contractor to Mountain View Capital, LLC. Independent Financial Group, LLC serves individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm offers financial planning and portfolio management through multiple platforms and employs a combination of strategic asset allocation, multi-manager portfolios, and ongoing due diligence in its investment approach.

Andrew Paulsen is a CFP® and holds a Series 65 license with three years of industry experience. He is currently with Cerity Partners LLC and previously worked at West Coast Financial, LLC. Before entering financial advising, he was affiliated with the University of San Diego for four years. Cerity Partners advises a diverse client base including individuals, families, trusts, business entities, and institutional investors, managing approximately $166.2 billion in assets. The firm offers customized wealth management services and employs a proprietary investment framework that integrates both third-party strategies and direct security selection, with access to alternative and private market solutions for qualified clients.

Margaret Fitzpatrick is a financial advisor at Breckinridge Capital Advisors Inc with nine years of industry experience. She holds Series 63 and Series 65 licenses. Her prior experience includes roles at Foreside Fund Services, LLC and Gurtin Fixed Income Management, LLC. Breckinridge Capital Advisors provides separately managed fixed income and equity strategies, sub-advisory services, and investment management for individual, high-net-worth, and institutional clients, primarily accessed through intermediaries. The firm manages over $54 billion in client assets and combines a top-down investment outlook with fundamental research and rules-based models, emphasizing tax-aware techniques and proprietary portfolio management systems.

Brett Pernicano is a CFP®, CFA®, and ChFC® with 20 years of experience in the financial advisory industry. He is currently with Corient, where he has worked since 2022. Prior to joining Corient, he spent nine years at Dowling & Yahnke, LLC. Corient provides investment advisory and financial planning services to individuals, high-net-worth clients, trusts, pension and profit-sharing plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach that incorporates both in-house strategies and third-party managers, with continuous portfolio monitoring and risk management tools to align investments with client objectives.

Tom Gibbings is a financial advisor at Prime Capital Financial with 42 years of industry experience. He holds Series 63 and Series 65 credentials and has held roles at firms including 20/20 Financial Advisers and Ameritas Life Insurance Company. He serves as a board member of the Optimist Club Foundation of Point Loma, which raises funds for youth programs in the community. Prime Capital Financial is an SEC-registered enterprise advisory firm serving individuals, trusts, corporations, and retirement plans. The firm offers asset management, financial planning, family office services, and retirement plan solutions, using a range of investment strategies and maintaining an affiliated accounting subsidiary.

Matthew Sessa is a financial advisor at Independent Financial Group, LLC with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has worked with Timothy Hayes Financial & Investment Services Inc. and Crown Capital Securities, LP. Outside of financial advising, he is a licensed health insurance agent, a notary public, and an enrolled agent preparing taxes. Independent Financial Group, LLC provides investment advisory and brokerage services to individuals, high-net-worth clients, trusts, corporate and pension/profit-sharing plans, and charitable organizations. The firm employs a combination of strategic asset allocation and manager selection across passive and active exposures to deliver tailored investment solutions using both firm- and third-party models.

Skyler Anderson is a financial advisor with Principal Financial Services holding a Series 66 designation and beginning his advisory career in 2026. Prior to his advisory role, he worked for Hunter Industries, Agrisolutions, and The Toro Company over a period spanning 2005 to 2024. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, charitable organizations, corporations, and active-duty U.S. military personnel abroad. The firm offers direct advisory programs, financial planning, retirement plan consulting, and access to third-party money manager solutions under various adviser and promoter arrangements.

Michael Dinh is a financial advisor at Transamerica Financial Advisors with Series 63 and Series 65 licenses and three years of industry experience. He has held positions at Primoris Renewable Energy and F3 Insurance LLC, and has been associated with World Financial Group, Inc. since 2010. Outside of advisory work, he is employed as a toolroom manager at Primoris Renewable Energy. Transamerica Financial Advisors serves a diverse client base including individual investors, pension plans, trusts, and corporations. The firm offers both advisory and broker-dealer services through proprietary and third-party model portfolios, with options for discretionary and non-discretionary management.

Suzan Korth is a financial advisor at Integrated Wealth Concepts LLC with four years of industry experience. She has worked at Integrated Wealth Concepts since 2022 and concurrently serves as a CPA with Duffy Kruspodin LLP. Prior to her current roles, she spent nearly three decades at Steven Wendroff, CPA. Integrated Wealth Concepts LLC serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office, and retirement plan advisory services, employing a primarily long-term investment approach and customized portfolios that include mutual funds, ETFs, individual equities, and fixed income.

George Sustarsic is a financial advisor with Guardian Life, holding a Series 66 designation and five years of industry experience. His prior work history includes positions at Park Avenue Securities and Mark W. Vannatta. He works with Park Avenue Securities LLC, a subsidiary of The Guardian Life Insurance Company of America, which provides brokerage and investment advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm combines advisor-led discretionary management with model-based strategies, offering tailored client relationships and access to a range of proprietary and third-party solutions.

Christie Caliva is a financial advisor with Kestra Advisory Services LLC, holding a Series 66 designation and bringing 17 years of industry experience. She previously spent 10 years at Commonwealth Financial Network before joining Kestra in 2025. Caliva also owns an administrative entity, Christie Caliva Inc., which she maintains for corporate filings. Kestra Advisory Services provides investment advisory and retirement-plan consulting to a diverse client base including institutional and individual investors. The firm offers services such as fiduciary consulting, plan design, and investment advice, managing approximately $79.8 billion in assets and serving large institutional clients including sovereign wealth funds.

Kai Swick is a financial advisor with Kestra Advisory, holding a Series 66 designation and two years of industry experience. Prior to joining Kestra Advisory in 2025, he worked at Solomon Retirement Services and Independent Financial Group, and has experience in tax preparation and filing through an independent contractor role with Solomon Wealth Management. Outside of advisory services, he has worked in the tax planning and accounting field. Kestra Advisory provides investment advisory and retirement-plan consulting to a broad mix of institutional and individual clients. The firm offers a range of services including fiduciary consulting, plan design, employee education, and access to multiple management platforms, serving clients such as plan sponsors and sovereign wealth funds.

Gina Cohen is a CFP® with eight years of industry experience, currently serving as a financial advisor at Creative Planning. Her prior roles include positions at Bernstein Private Wealth Management and Woodbury Financial Services, among others. Outside of her advisory work, she is the founder of Dogue by Gina LLC, a small business creating custom pet portraits, and she teaches preparation courses for CFP exam candidates through CeriFi LLC. Creative Planning provides comprehensive investment advisory and financial planning services to a diverse client base, including individuals, corporations, and retirement plans. The firm employs a financial planning–led investment approach that emphasizes low-cost indexing and buy-and-hold strategies, supported by a large advisory team and extensive investment infrastructure.

Kathleen Lindquist is a CFP® with 20 years of experience in the financial services industry, currently affiliated with United Planners' Financial Services of America. Her prior roles include positions at San Diego Wealth Management, LLC and SagePoint Financial Services, Inc. She is also the founder of Sustainable Financial Planning, a marketing entity in San Diego. United Planners Financial Services serves a diverse client base including individuals, corporations, and institutional clients, offering financial planning, portfolio management, and brokerage solutions through a network of 477 independent advisors. The firm operates an open-architecture platform with multiple custodians and third-party money managers, emphasizing largely non-discretionary asset management.

James Haug is a financial advisor at Integrated Wealth Concepts LLC with 17 years of industry experience. He holds a Series 66 designation and has worked previously at LPL Financial and Waddell & Reed, Inc. Outside of advising, he is a partner at East Village Tax and has been a volleyball coach with Coast Volleyball Club since 2010. Integrated Wealth Concepts serves individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans through a network of independent financial advisors. The firm offers discretionary investment management, financial planning, family office services, and wrap-fee programs, with a long-term investment approach that incorporates customized portfolios and oversight of third-party managers.

Lisa Brinig is a CFP® professional with 21 years of industry experience. She has worked at Mariner since 2011 and previously spent nine years with Msec, LLC. Located in San Diego, CA, she is affiliated with Mariner, a firm that serves a diverse client base including individuals, pension plans, trusts, and charitable organizations. Mariner provides investment management, financial planning, retirement plan consulting, and tax services, implementing customized portfolios through a combination of in-house research and third-party managers. The firm is noted for its integrated tax and accounting services and offers administrative family office capabilities alongside a financial wellness platform for employers.