Robert Sandrew is a financial advisor at Mariner with 28 years of industry experience. He holds Series 65 and Series 63 licenses and previously worked at Integrated Wealth Concepts LLC and LPL Financial for nine years. Mariner serves a diverse client base including individuals, pension plans, trusts, and corporations by offering investment management, financial planning, retirement consulting, and coordinated tax and family office services. The firm uses customized, discretionary portfolios supported by internal research and third-party managers, and provides comprehensive tax and administrative solutions uncommon among large advisory enterprises.

Edward Watson is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and 29 years of industry experience. He has worked at Independent Financial Group since 2011 and previously spent 12 years at Charles Schwab. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth clients, trusts, corporate and pension plans, and charitable organizations. The firm employs a combination of firm- and third-party models to develop client strategies, offering discretionary and non-discretionary portfolio management through multiple platforms.

Brian Dennen is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 licenses and over 25 years of industry experience. His prior work includes roles at LPL Financial, Ally Invest Advisors, Wealthfront Advisers, and several other firms. Outside of advisory services, he is an officer and director at RAMONA WOODWORX LLC, a company involved in marketing and sales of outdoor furniture. Independent Financial Group, LLC provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth clients, trusts, and institutional plans. The firm offers financial planning and portfolio management through various platforms and employs a model-driven approach that combines strategic asset allocation with active and passive investment exposures.

Emmanuel Llanda is a CFP® professional with Series 65 and Series 66 licenses, currently serving as a financial advisor at Schwab Wealth Advisory in San Diego, CA. He has two years of industry experience, including prior roles at Scharf Investments and Hall Capital Partners. Schwab Wealth Advisory provides non-discretionary fiduciary investment advice and financial planning to clients enrolled in the Schwab Wealth Advisory program and certain Charles Schwab & Co.-referred clients. The firm’s guidance is based on proprietary asset-allocation models and research tools, with tailored recommendations reviewed at least annually.

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.

Ryan Southwick is a financial advisor with Eagle Strategies (New York Life) based in San Diego, CA. He holds the Series 63 and Series 65 designations and has 12 years of industry experience. Ryan operates under the DBA Zephyr Financial Strategies & Insurance Solutions, where he brokers non-registered insurance products in addition to his advisory work. Eagle Strategies serves individual and institutional clients with financial planning, investment management, and retirement-plan advisory services. The firm offers a range of program types and manages the majority of its assets on a non-discretionary basis, working within an integrated New York Life affiliate structure.

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.

Anthony Ferreira is a CFP® with 23 years of industry experience, currently serving as a financial advisor at Beacon Pointe Advisors, LLC. He has previously worked at Worthpointe, LLC and Trovena, LLC. Beacon Pointe Advisors, LLC provides wealth advisory, consulting, financial planning, and outsourced chief investment officer services to a wide range of clients, including individuals, corporations, and institutional investors. The firm employs both active and passive strategies across public and private assets and offers proprietary private funds and an interval fund as part of its investment solutions.

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.