Paul Dunnicliffe is a financial advisor with Commonwealth Financial Network in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. His career includes roles at Lago Wealth Management, TIAA-CREF, TD Ameritrade, Morgan Stanley, and Citigroup Global Markets. He is also the owner of Lago Wealth Management, LLC. 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 managing around $212.7 billion in client assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody services.

Ashley Aguayo is a financial advisor at Hightower Advisors with seven years of industry experience. She holds a Series 66 designation and has previously worked at firms including Triad Advisors, Strategic Wealth Advisors, and Flor & Associates Insurance Agency. Hightower Advisors provides investment advisory and planning services to a diverse range of individual and institutional clients. The firm’s approach features manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, and offers a variety of portfolio construction strategies including mutual funds, ETFs, alternative investments, and custom indexing.

James Papas is a financial advisor at Mariner with 25 years of industry experience. He holds Series 63 and Series 65 credentials and previously worked at Charles Schwab and U.S. Bancorp Investments. Mariner serves a diverse client base including individuals, pension plans, trusts, and charitable organizations, offering investment management, financial planning, retirement plan consulting, and coordinated tax services. The firm utilizes customized discretionary portfolios supported by in-house research and third-party managers, with additional capabilities in tax integration and employer financial wellness solutions.

Matthew Banez is a Financial Consultant at Fidelity Investments, a position he has held since 2020. He has over a decade of experience partnering with high net worth families, focusing on developing tailored financial strategies that align with their unique goals and situations. Prior to his current role, Matthew worked as a Senior Financial Consultant at TD Ameritrade from 2018 to 2020, and held roles at Scottrade Inc. including Branch Manager from 2017 to 2018 and Investment Consultant from 2012 to 2017. Matthew holds a California Insurance License, which complements his expertise in financial consulting. His approach is influenced by his personal background and dedication to understanding his clients' stories, enabling him to co-create appropriate financial strategies. Outside of his professional work, Matthew enjoys family activities, fitness, football, and outdoor adventures.

Scott Benson is a financial advisor at Concurrent Investment Advisors, LLC with 20 years of industry experience. He holds a Series 66 designation and has worked at firms including Purshe Kaplan Sterling Investments and Raymond James Financial Services Advisors. Outside of his advisory role, Benson serves as a FINRA arbitrator and is employed part-time with SEIU Local 280 in a union position related to horse racing events. Concurrent Investment Advisors, LLC is a multi-team SEC-registered advisory firm serving individuals, high-net-worth clients, families, trusts, estates, businesses, and retirement plans. The firm emphasizes customized, primarily long-term portfolio management using ETFs, mutual funds, and other securities, supported by integrated operational tools and affiliated sub-advisory arrangements.

Lauren Mc Gowan is a CFP® and holds a Series 66 license with five years of industry experience. She currently serves at Corient and has prior experience with firms including Dowling & Yahnke, LLC and Charles Schwab. Mc Gowan is based in San Diego, CA. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporate entities. The firm uses a goals-based, team investment approach combining in-house strategies with third-party managers and incorporates risk management tools and alternative investments where appropriate.

Shelley Pearson is a financial advisor with Commonwealth Financial Network, holding Series 65 and Series 63 licenses and bringing 26 years of industry experience. Her prior roles include positions at CUSO Financial Services, LP, Independent Financial Group, and Capstone Investments. She is based in San Diego, CA. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser that supports a nationwide network of approximately 2,900 advisors and hundreds of thousands of clients, managing about $212.7 billion in assets. The firm provides a broad adviser-support platform including managed-account programs, access to third-party asset managers, retirement consulting, and custody and clearing services.

Todd Beckmann is a CFP® professional with 15 years of experience in the financial services industry. He has worked at Kestra Advisory since 2018 and previously held roles at Foresters Advisory Services and Foresters Financial Services. Beckmann serves as Treasurer on the board of a homeowners association and manages an entrepreneurial venture, Beckmann Enterprises LLC. Kestra Advisory Services provides investment advisory and retirement-plan consulting to institutional and individual clients. The firm offers a range of services including fiduciary consulting, plan-level investment advice, and pooled plan solutions, serving clients such as plan sponsors and large institutional investors.

Elliot James is a financial advisor at Cerity Partners LLC with Series 63 and Series 65 credentials and three years of industry experience. His prior roles include positions at Northwestern Mutual Investment Services LLC and Entrewealth, LLC. Cerity Partners advises a diverse client base including individuals, families, trusts, business entities, charitable institutions, and institutional investors, managing approximately $166.2 billion in client assets as of the end of 2025. The firm offers customized wealth management services with an investment approach centered on client-specific profiles, combining proprietary quantitative methods with third-party and direct security selection, and providing access to alternative and private market solutions for qualified clients.

Tracy Yang is a financial advisor with Transamerica Financial Advisors who holds Series 63 and Series 65 licenses and has 10 years of industry experience. She has worked at Transamerica Financial Advisors since 2015 and Fastrack Financial Corporation since 2022, where she is an owner. Yang is also affiliated with World Financial Group, Inc. Transamerica Financial Advisors provides investment advisory, brokerage, and retirement-plan services to individual investors, employer-sponsored plans, trusts, estates, charitable organizations, and businesses. The firm utilizes a model portfolio approach implemented through third-party managers and platform providers, supported by a large network of advisors and multiple program platforms.

Dominic Ramdin is a financial advisor at GWN Securities Inc. with a Series 66 designation and less than one year of industry experience. His prior work includes roles at Next Membranes, Northrop Grumman Corporation, and the University of California, Los Angeles. GWN Securities provides investment advisory and related services to individual and corporate clients through various managed account programs and financial planning services. The firm employs a mix of affiliated and unaffiliated sub-advisers and utilizes investment strategies that include market-timing and momentum-based approaches.

David Hobbs is a CFP® and CFA® affiliated with Corient, with five years of industry experience. He previously worked at Bordeaux Wealth Advisors and Ernst & Young. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, trusts, pension plans, charitable organizations, and corporations. The firm employs a goals-based, team investment approach that combines in-house strategies with third-party manager solutions and utilizes risk management tools and stress testing to align portfolio exposures with client objectives.

Jason Shapiro is a financial advisor with Guardian Life in San Diego, CA, holding a Series 63 designation and 16 years of industry experience. His career includes roles at Northwestern Mutual from 2008 to 2023 and at Park Avenue Securities/Guardian Life since 2023. Shapiro serves as a board member of the Foundations Board at El Cab and owns JShap Financial, Inc. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management and a subsidiary of Guardian Life, offers brokerage and advisory services to individuals, corporations, retirement plan sponsors, and charitable organizations. The firm utilizes advisor-led discretionary management alongside model-based strategies and provides various financial planning and consulting services tailored to client needs.

Efren Ortiz Espinoza Jr. is a financial advisor with Wealth Enhancement Advisory Services, LLC, holding a Series 66 license and one year of industry experience. Prior to joining Wealth Enhancement, he worked at LPL Enterprise LLC and held outside employment with Athleisure Inc. Wealth Enhancement Advisory Services serves individuals, high-net-worth clients, corporations, and retirement plans by providing financial planning, asset management, and retirement-plan consulting. The firm manages over $122 billion in assets, employing a diversified investment approach that blends passive and active managers guided by an internal Investment Committee.

Garrett Gates is a CFP®-designated financial advisor with seven years of industry experience, currently associated with Guardian Life in San Diego, CA. Prior to his current role, he spent five years with Northwestern Mutual Wealth Management Company. Guardian Life’s subsidiary, Park Avenue Securities LLC, offers brokerage and advisory services to individuals, corporate and retirement plan sponsors, charitable organizations, and businesses. The firm utilizes a combination of advisor-led discretionary management and model-based strategies, providing clients access to a range of investment and insurance solutions.

Erick Montiel is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He previously worked at Morgan Stanley Smith Barney LLC for nine years before joining his current firm in 2022. Outside of his advisory role, he is involved consultatively in a family business and shares responsibilities related to a commercial property investment. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse clientele, including individuals, high-net-worth clients, trusts, and corporate and retirement plans. The firm uses a combination of firm- and third-party investment models, strategic asset allocation, and both active and passive portfolio management to develop tailored client strategies.

Tyler Venegas is a financial advisor at Empower Advisory Group with six years of industry experience and holds a Series 66 designation. His prior experience includes roles at Merrill, Vanguard Advisers, USAA, and TIAA-CREF. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as Empower Premier IRA and retail brokerage clients. The firm’s integrated approach is tied to Empower’s recordkeeping and administrative platforms, offering point-in-time financial plans and optional managed account solutions focused on long-term portfolio returns and clients’ savings rates.

Matthew Pratt is a financial advisor with Commonwealth Financial Network, holding a Series 66 designation and 11 years of industry experience. He has worked at Commonwealth since 2015 and at LPL Financial LLC since 2026. 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 hundreds of thousands of clients. The firm provides a broad adviser-support platform, including managed-account programs, third-party asset manager access, retirement and plan consulting, and custody services.

Evan Cohen is a financial advisor at Stratos Wealth Partners, Ltd with 16 years of industry experience. He holds the Series 66 designation and has previously worked at Edward Jones and Morgan Stanley. Cohen is based in San Diego, CA. Stratos Wealth Partners is an SEC-registered enterprise advisor with approximately 379 advisors and $18.6 billion in assets under management. The firm serves a broad mix of clients including individuals, retirement plans, corporations, nonprofits, and other institutions, offering customized portfolio management, financial planning, and outsourced CIO solutions through an independent contractor model and an open-architecture platform.

Colin Roesler is a CFP® and CFA® with nine years of industry experience. He is currently with Wealth Enhancement Advisory Services, LLC and has previously worked at BNY Mellon, J.P. Morgan Securities, JPMorgan Chase Bank, and Morgan Stanley. Wealth Enhancement Advisory Services, LLC is an SEC-registered enterprise advisory firm serving a diverse client base including individuals, trusts, estates, charitable organizations, corporations, and retirement plans. The firm utilizes a strategic investment approach combining passive and active management, supported by quantitative and fundamental research and an internal Investment Committee.