Thomas Stout is a Certified Financial Planner (CFP®) with 13 years of experience and is the principal of Stout Capital Management LLC, where he has worked since 2013. The firm is a fee-only, state-registered investment adviser serving individuals, trusts, estates, company retirement plans, and charitable organizations. Stout Capital Management constructs customized portfolios using modern portfolio theory, strategic asset allocation, and low-cost mutual funds and ETFs, providing both investment management and financial planning services.

Anastasia Melbrod is a CFP® with 19 years of industry experience and has been with M Wealth Management, LLC since 2015. She previously worked at National Planning Corporation and operated Melbrod Financial Services, where she was involved in fixed insurance sales and tax preparation. M Wealth Management provides discretionary asset management and financial planning to individuals and business clients, emphasizing a long-term, evidence-based investment approach with a focus on strategic asset allocation, diversification, tax-aware implementation, and behavioral coaching. The firm integrates in-house tax planning and preparation services alongside its advisory offerings.

David Wilson is a CFP® professional with 39 years of industry experience, currently serving as president of Vector Financial Solutions, Inc. He previously worked at Sagepoint Financial, Inc. and National Planning Corporation. Outside of his advisory role, he writes educational articles and blog posts on financial planning topics and serves on the Rancho Bernardo Community Planning Board as well as the Palomar Health Foundation Board, where he is Treasurer. Vector Financial Solutions serves individual and high-net-worth clients, corporations, charities, and pension and profit-sharing plans. The firm provides comprehensive financial planning, portfolio management using model portfolios based on Modern Portfolio Theory, and retirement plan consulting, offering both discretionary and non-discretionary management services.

Romy Brown is a financial advisor at Beta Wealth Group, Inc. with 26 years of industry experience. She holds the Series 66 designation and has previously worked at Girard Securities, Inc. and Pacific Wealth Management, LLC. Outside of her advisory role, she is also a Notary Public in San Diego. Beta Wealth Group serves individuals, high-net-worth clients, and institutional clients, including employer-sponsored retirement plans. The firm offers comprehensive portfolio management, financial planning, and consulting services, employing a personalized investment approach that includes the use of ETFs, mutual funds, individual securities, option strategies, and delegated money management.

Shelley Murasko is a CFP® and holds a Series 66 license with 12 years of industry experience. She has been with Wealthrise Financial Planning, LLC since 2016. Outside of her advisory work, she has a minor involvement in real estate rental activities. Wealthrise Financial Planning serves individual and high-net-worth investors, with a focus on working with women regarding financial empowerment, longevity, and long-term care planning. The firm employs an evidence-based, tax-aware investment approach that emphasizes low-cost, low-turnover, long-term buy-and-hold portfolios primarily composed of passively managed funds with factor-aware tilts and integrates behavioral considerations alongside statistical financial planning.

Jeffrey Houghtby is a financial advisor at D. M. Brenner, Inc. with three years of industry experience. He holds the Series 65 designation and previously worked at Cerity Partners LLC, West Coast Financial, LLC, and has experience outside finance with the San Francisco Giants and the University of San Diego. D. M. Brenner, Inc. is a SEC-registered advisory firm serving individual clients, including high-net-worth households, with customized financial planning, discretionary asset management, and consulting for qualified plan sponsors. The firm uses asset-allocation strategies based on Modern Portfolio Theory and combines financial planning with asset management for a single fee.

John Reis is a financial advisor at Ervin Investment Management with 18 years of industry experience. He was the CEO and owner of Reis Investment Management from 1994 to 2019 before transitioning his clients to Ervin Investment Management in 2019. Ervin Investment Management provides discretionary portfolio management and financial advice to individuals, families, trusts, charitable foundations, and small pension funds. The firm employs a long-term, value-oriented investment approach with a focus on fundamental analysis and broad diversification through low-cost index ETFs.

Joseph Stella is a CFP® with 11 years of industry experience, currently advising at Harvesting Gains Corporation in San Diego, CA. His prior roles include positions at Cetera, Presidio Capital Management, First Allied Advisory Services, First Allied Securities, and Gould Asset Management. Harvesting Gains Corporation serves individuals, high-net-worth clients, business owners, and trusts and estates, offering tailored investment and planning services that include discretionary portfolio management, 1031 like-kind exchange advisory, private placement advice, and comprehensive financial planning. The firm combines fundamental analysis, macroeconomic factors, and tax-efficient strategies with a long-term buy-and-hold approach, and maintains a close affiliation with a real estate brokerage that forms and holds DST investments.

Michael Taylor is a CFA® charterholder with three years of industry experience. He has been with Counterpoint Asset Management LLC since 2021 and previously worked at Tablature, LLC and Seeking Alpha, LLC. Counterpoint Asset Management provides discretionary portfolio management primarily to individual and high-net-worth clients, as well as trusts, estates, and other entities. The firm uses a combination of mean-variance portfolio optimization, passive and tactical fund allocations, and systematic quantitative strategies, with a notable affiliation to an owned mutual fund complex that influences a significant portion of client portfolios.

Elizabeth Mc Gill is a CFP® and holds a Series 65 license with five years of industry experience. She has worked at Pilot Retirement Advisors since 2020, following brief periods at WWM Financial and as a stay-at-home parent. Prior to her financial career, she spent five years at Executive Physical Therapy. Pilot Retirement Advisors is a small registered investment adviser serving high-net-worth and individual clients, focusing on institutional investment manager selection, retirement plan and rollover advice, and oversight of accounts managed by third-party managers rather than offering comprehensive financial planning. The firm emphasizes due diligence and manager selection, recommending various strategies through external managers and maintaining a concentrated client base.

Jeran Van Alfen is a CFP® professional with 21 years of industry experience, currently serving at Centered Financial in Carlsbad, CA. His prior roles include positions at Purshe Kaplan Sterling Investments, Seaside Wealth Management, and Anchor Bay Securities. In addition to his advisory work, he is a licensed insurance agent providing fixed insurance products. Centered Financial serves individuals—including high-net-worth and non-HNW households—as well as pension plans, charitable organizations, and business entities. The firm offers portfolio management, financial planning, and pension consulting, utilizing a mix of fundamental and technical analysis with a focus on both long-term strategies and tactical asset allocation.

Bryan Theall is a CFP®-certified financial advisor with 19 years of industry experience. He is currently with Shared Vision Wealth Group and has previously worked at Northwest Asset Management, USAA Investment Management Company, and USAA Financial Planning Services. Shared Vision Wealth Group provides investment management, financial planning, and retirement-plan advisory services to individuals, family offices, and institutional clients. The firm employs fundamental analysis, modern portfolio theory, and cyclical analysis to construct diversified portfolios, and it offers specialized services including ERISA 3(38) discretionary management for plan sponsors.

Jason Brustkern is a Series 65 licensed advisor with Kelley Investments in Del Mar, CA, where he has worked since 2026. He has over 25 years of experience, including a long-standing role with Scott & Cronin, LLP since 2001. Kelley Investments provides discretionary and non-discretionary wealth management, financial planning, and pension consulting to individuals, high-net-worth clients, families, trusts, and retirement plans. The firm manages approximately $238 million across roughly 216 client relationships, employing proprietary portfolio strategies focused on growth at a reasonable price with a buy-and-hold approach and moderate turnover.

Scott Frank is a CFP®, CFA®, and Series 65 credentialed financial advisor with 18 years of industry experience. He has been with Stone Steps Financial, LLC since 2015, a fee-only advisory firm based in Encinitas, CA. Stone Steps Financial provides comprehensive financial planning and investment management primarily to individuals and high-net-worth clients, employing a passive, asset-class-based investment approach using index mutual funds and ETFs. The firm manages over $105 million in discretionary assets and offers additional services including retirement plan consulting and small-business advisory.

Jonpaul Ursick is a financial advisor at SCSC Advisors, LLC with one year of industry experience. He holds Series 63 and Series 65 licenses and previously worked at LPL Financial and Deloitte. Ursick has also been self-employed and worked at USHW earlier in his career. SCSC Advisors, LLC provides asset management, financial planning, and retirement plan consulting to individuals, trusts, foundations, retirement plans, and business entities. The firm uses a range of strategies including fundamental and technical analysis, option writing, and AI tools, managing over $158 million in discretionary assets across more than 120 client relationships.

Andrew Sontag is a CFP® with 20 years of industry experience, currently serving as an advisor at Carlsbad Wealth Advisory Group, Inc. since 2008. He holds a Series 66 designation and works out of Carlsbad, CA. Carlsbad Wealth Advisory Group offers discretionary portfolio management and comprehensive financial planning to a range of clients including individuals, high-net-worth households, trusts, foundations, and charitable organizations. The firm’s investment approach centers on asset allocation using primarily exchange-traded funds (ETFs), focusing on low expense ratios, internal diversification, and liquidity, while managing all client assets in-house.

Denise Barrett is a financial advisor with Cornerstone Wealth Advisors, Inc. in Carlsbad, CA, holding a Series 65 designation and bringing 12 years of industry experience. She is also the founder and president of Barrett Solutions Inc., a bookkeeping and payroll services business. Additionally, Barrett serves as owner and CEO of Cornerstone Family Office, Inc., a family business management firm. Cornerstone Wealth Advisors, Inc. serves individuals, trusts, estates, charitable organizations, and retirement plans, providing financial planning and discretionary investment management through a proprietary strategic asset-allocation framework. The firm also offers specialized ERISA plan services and employs fundamental and cyclical analysis with routine due diligence on third-party managers.

Daniel Osgood is a financial advisor with 24 years of industry experience, currently serving as President and CEO of DCO Wealth Management. He holds Series 63 and Series 66 licenses and has been with Tate Asset Management since 2012 and DCO Wealth Management since 2009. Tate Asset Management and DCO Wealth Management provide investment supervisory services, discretionary advisory, and financial planning to individuals, pension plans, trusts, estates, and corporate entities. The firm offers portfolio management and consulting tailored to client goals, employing a variety of asset types and trading strategies, and is noted for its ERISA-focused retirement plan services and institutional fiduciary work.

Daniel Krause is a financial advisor with Counterpoint Asset Management LLC, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has been with Counterpoint and its affiliated entities since 2011. Krause is also a partner in Romulus Group, LLC, an investment-related activity involving personal private investments. Counterpoint Asset Management provides discretionary portfolio management primarily to individual and high-net-worth clients, as well as trusts and estates, utilizing mutual funds and ETFs. The firm employs a combination of mean-variance optimization, passive and tactical fund allocations, and systematic quantitative strategies, and maintains an affiliated mutual fund complex that anchors a significant portion of client portfolios.

Mark Lamb is a financial advisor at Vector Financial Solutions, Inc. with 32 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various firms including Royal Alliance Associates, INC. and Double Diamond Financial. Outside of his advisory role, he is involved in health insurance sales through Alta Vista Insurance. Vector Financial Solutions serves individuals, including high-net-worth clients, as well as corporations, charities, and pension and profit-sharing plans, offering financial planning, portfolio management, and retirement-plan consulting. The firm uses modern portfolio theory and model portfolios tailored to client objectives, with services extending to ERISA plan support that is less common among similar-sized advisers.