Barry Waits is a financial advisor with Waits Investments, LLC in Carlsbad, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior work includes roles at Fisher Investments and Northwestern Mutual Investment Management. Outside of advising, he manages a rental property through a third-party property manager. Waits Investments, LLC offers fee-only financial planning and investment management primarily for individual investors, as well as trusts, estates, and charitable organizations. The firm’s investment approach focuses on long-term horizons, broad diversification, and an asset-allocation strategy that uses low-cost index funds and ETFs supplemented by selective active managers.

Flat-fee wealth management for families with $10M - 50M. One transparent fee. No AUM. No hidden incentives. Not all “flat fee advisors” are interchangeable. It’s the difference between seeing a general physician and going to a specialist who deals with your exact situation every day. When the decisions are meaningful, the expertise behind them matters more. At your level, a single good decision, or avoided mistake, can be worth hundreds of thousands, sometimes millions. We are a flat-fee advisory firm designed for high net worth families who want: -A fee structure that doesn’t compound against them -Deep tax strategy -Institutional-quality advice -A family that flourishes across multiple generations Stephen Nelson, CFA, CFP® I am a Chartered Financial Analyst® (CFA) Charterholder and a CERTIFIED FINANCIAL PLANNER™ professional who has spent my career in investment management and financial planning. I received a Master of Science in Finance and a B.B.A. in Finance from the Cox School of Business at Southern Methodist University in Dallas, Texas. I serve families throughout San Diego and across the country.

Parker Johnson is a financial advisor with Cooper Capital Group in Encinitas, CA, holding Series 63 and Series 65 designations and bringing 10 years of industry experience. His prior work includes roles at Purshe Kaplan Sterling Investments and Northwestern Mutual Investment Services LLC. Cooper Capital Group serves individual and high-net-worth clients as well as employer plan sponsors, offering a range of services including asset management, comprehensive portfolio management, retirement plan consulting, and referrals to third-party money managers. The firm employs multiple analytical methods and a variety of investment strategies, with portfolios frequently monitored and tailored to client needs.

Kelly Doyle is a financial advisor at Wealthrise Financial Planning, LLC with two years of industry experience. Prior to joining Wealthrise, she worked for nearly two decades at Rick Engineering Company and spent a year as a homemaker. She holds a Series 65 designation. Wealthrise Financial Planning serves individual and high-net-worth clients with discretionary portfolio management and comprehensive financial planning. The firm employs an evidence-based, tax-aware investment approach that emphasizes low-cost, broadly diversified passive funds and disciplined asset allocation, integrating behavioral considerations into portfolio construction.

Virginia Leon is a financial advisor at Pathway Advisors, LLC with 12 years of industry experience. She holds a Series 66 designation and has worked at firms including E.G. Sanchez & Associates and Independent Financial Group. Outside of her advisory role, she is also licensed as a real estate agent, spending limited time in that capacity. Pathway Advisors, LLC is a supported registered investment adviser serving individuals, high-net-worth clients, pension and profit-sharing plans, and businesses. The firm offers portfolio management, financial planning, and pension consulting, managing approximately $58 million in assets across 107 clients as of December 31, 2024.

Blake Pinyan is a CFP® professional with six years of experience in financial advising. He is currently with Anchor Bay Capital, Inc., where he has worked since 2020. Prior to this, he held roles at Fidelity Investments, One Degree Advisors, and Weatherly Asset Management. Pinyan serves as president of the National Financial Planning Association NexGen chapter. Anchor Bay Capital, Inc. provides discretionary investment management, financial planning, and retirement-plan services to individuals, business entities, and pension plans. The firm constructs diversified portfolios based on fundamental analysis and independent due diligence, tailoring strategies to each client’s risk profile and financial situation.

Ashley Bleckner is a CFP® professional with 11 years of industry experience. She has been with Ellevest since 2019 and previously worked at Rs Crum Inc. from 2015 to 2019. Ashley is based in Carlsbad, CA. Ellevest provides discretionary investment management and financial planning services with a focus on helping women plan and invest. The firm offers tailored portfolios emphasizing strategic asset allocation and diversification, serving individual and high-net-worth clients through both Personal and Private Wealth Management.

Derek Long is a financial advisor at Intelligence Driven Advisers, LLC with three years of industry experience. He holds a Series 65 designation and previously worked in real estate, serving as President of Derek Long Realtor Corp since 2019 and with Signature Real Estate Group from 2015 to 2019. Outside of advising, he continues to be involved in residential real estate transactions through his role at Derek Long Realtor Corp. Intelligence Driven Advisers, LLC is a multi-team SEC-registered advisory firm managing approximately $882 million for individual and institutional clients, including retirement plans, trusts, estates, and Native American sovereign entities. The firm offers financial planning, discretionary investment management using model and custom portfolios, and retirement plan consulting, with an investment approach centered on risk management and fundamental analysis.

Joseph Ganino III is a financial advisor at Balboa Wealth Partners, Inc. with two years of industry experience. He holds the Series 66 designation and previously worked at Willow Cove Investment Group, Inc., Parcel Pending, and Zovio. Balboa Wealth Partners is an SEC-registered investment adviser managing over $1.07 billion in assets and serving individuals, high-net-worth clients, trusts, estates, charitable organizations, businesses, and retirement plans. The firm employs a team-based approach, utilizing both discretionary and non-discretionary mandates, and emphasizes long-term, diversified portfolio construction with low-cost mutual funds, ETFs, and other securities.

David Reyes is a CFP® professional with four years of industry experience. He currently serves at Intelligence Driven Advisers, LLC and previously worked at Pure Financial Advisors, Inc. for six years. Intelligence Driven Advisers, LLC is an SEC-registered multi-team advisory firm managing approximately $882 million for a variety of clients, including individuals, institutions, retirement plans, trusts, estates, and Native American sovereign entities. The firm provides financial planning, discretionary investment management through model and custom portfolios, retirement plan solutions, consulting, and held-away account management, with an investment process centered on risk management and fundamental analysis.

Ryan Gorski is a financial advisor at Pacific Point Wealth Management with seven years of industry experience. He holds a Series 66 certification and has previously worked at firms including X Advisors, LLC, Independent Financial Group, Inc., Edward Jones, and Morgan Stanley. Gorski also provides consulting services on valuation and M&A deals as well as business optimization for financial firms. Pacific Point Wealth Management is an owner-managed team of five advisors that offers discretionary asset management and comprehensive portfolio management services for individuals, trusts, estates, and business clients. The firm uses both fundamental and technical analysis and employs a range of strategies tailored to client objectives, managing approximately $6.41 million in assets across around 35 client relationships.

Cheryl Gruetzmacher is a financial advisor at Balboa Wealth Partners, Inc. with 20 years of industry experience. She holds the Series 66 designation and has been with Balboa Wealth Partners since 2016. Balboa Wealth Partners is an SEC-registered investment adviser serving individuals, high-net-worth clients, trusts, estates, charitable organizations, businesses, and retirement plans. The firm manages over $1.07 billion in assets and employs a team structure that utilizes both discretionary and non-discretionary mandates, focusing on a long-term, diversified investment approach using low-cost mutual funds, ETFs, and other securities.

Brian Peterson is a financial advisor with Intelligence Driven Advisers, LLC in Carlsbad, CA. He holds Series 65 and Series 63 licenses and has seven years of industry experience. His prior roles include positions at Mutual of America and Tri Ad. Intelligence Driven Advisers, LLC is an SEC-registered multi-team advisory firm managing approximately $882 million for individual and institutional clients, including retirement plans, trusts, estates, and Native American sovereign entities. The firm employs a risk-managed investment process using primarily low-cost mutual funds and ETFs, and offers services such as financial planning, discretionary investment management, retirement plan solutions, and consulting.

Robert Paterson is a financial advisor at Intelligence Driven Advisers, LLC with 14 years of industry experience. He holds a Series 66 designation and has previously worked at Labrum Wealth Management, LLC and Beta Wealth Group, Inc. Outside of advising, he is also involved as an insurance agent with LWM Insurance Solutions. Intelligence Driven Advisers, LLC is an SEC-registered multi-team firm managing approximately $882 million for individual and institutional clients. The firm offers financial planning and discretionary investment management through model portfolios and custom accounts, emphasizing risk management and fundamental analysis.

Barbara Williams is a CFP®-credentialed financial advisor with 44 years of industry experience. She is a partner at Financial Focus LLC and has held roles at OSAIC, Securities America, Inc., and National Planning Corp. Williams serves as a board member on the Coastline Legacy Committee, which oversees outreach projects for a local church. Financial Focus LLC provides investment advisory and financial planning services to individuals, trusts, estates, charitable organizations, businesses, and retirement plans. The firm manages accounts on a discretionary basis using model portfolios and sponsors a wrap fee program that combines management and transaction coverage into a single advisory arrangement.

Ben Mccollum is a financial advisor at Pacific Point Wealth Management with eight years of industry experience. He holds a Series 66 designation and has previously worked at Independent Financial Group, LLC, X Advisors, LLC, and Xton Financial, LLC. Outside of his advisory role, he conducts consulting on valuation and M&A deals, as well as business optimization, through independent contractor positions. Pacific Point Wealth Management is a five-advisor team offering discretionary asset management and comprehensive portfolio management services to individuals, trusts, estates, and business clients. The firm manages tailored portfolios using a combination of fundamental and technical analysis, employing long-term, short-term, and trading strategies, and discloses use of derivatives and margin in its managed accounts.

James Puplava is a CFP® with 44 years of experience in the financial services industry. He is the founder of Financial Sense Advisors, Inc. and has held prior roles at Puplava Securities, Inc. and Puplava Financial Services, Inc. Puplava is also involved in media through Financialsense.com, where he participates in podcasts and writes articles. Financial Sense Advisors, Inc. is a registered investment adviser managing approximately $836 million for individuals, retirement plans, trusts, and other entities. The firm employs a team of nine advisors and uses a combination of fundamental and technical analysis to provide discretionary portfolio management, comprehensive financial planning, and retirement-plan consulting tailored to client-directed investment objectives.

Jacob Montes is a financial advisor at Dark Horse Advisors LLC with two years of industry experience. He holds a Series 65 designation and has worked at Dark Horse Advisors since 2023, following a role at DFPG Investments, LLC. Dark Horse Advisors LLC serves individual and high-net-worth clients, retirement plan sponsors, trusts, estates, and business entities by providing discretionary portfolio management, financial planning, and retirement plan advisory services. The firm’s investment approach combines fundamental, technical, quantitative, sentiment, and cyclical analysis with tax-aware strategies and third-party managers, and it operates as a subsidiary of an accounting firm, offering both asset-based and subscription-style fee arrangements.

Adrienne Cooper is a financial advisor at Hamilton-Bates Investment Research, Inc. with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Hamilton-Bates since 2015. Outside of her advisory role, she has experience working in guest services for professional baseball and supervising event operations at football games. Hamilton-Bates Investment Research, Inc. provides asset management services to individuals, pension and profit-sharing plans, charitable organizations, and businesses. The firm utilizes a combination of fundamental, technical, quantitative, and asset-allocation methods, offering both discretionary separate-account management and model portfolio programs.

Rosario Scappaticci is a Series 65-licensed financial advisor at Red SEVEN with two years of industry experience. Prior to joining Red SEVEN, Rosario was a student for ten years. Red SEVEN provides comprehensive financial planning and discretionary portfolio management to individuals, high-net-worth clients, pension and profit-sharing plans, and charitable organizations. The firm customizes portfolios based on individual goals, risk tolerance, and time horizon, employing a combination of fundamental and technical analysis with regular account reviews.