Roy Lopez II is a financial advisor at Sage Stone Wealth Management LLC in La Jolla, CA, with 16 years of industry experience. He holds the Series 65 and Series 66 designations and has been with Sage Stone Wealth Management since 2010. Sage Stone Wealth Management provides portfolio management, financial planning, and related services to individuals, including high-net-worth clients, charitable organizations, foundations, pension and profit-sharing plans, and businesses. The firm combines fundamental analysis with both passive and active investment strategies and offers client-directed ethical screens along with specific approaches such as Inflation-Hedged and Dividend strategies.

Bradley Ball is a financial advisor at Seaport Wealth Management in Escondido, CA, with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Newbridge Securities Corporation for 13 years before joining Seaport Wealth Management in 2020. Outside of his advisory role, he provides limited legal document preparation services, assisting individuals including his elderly father. Seaport Wealth Management is a small, two-advisor firm serving individual retail clients with a focus on passive portfolio management using diversified mutual funds and ETFs. The firm manages primarily nondiscretionary accounts and may recommend third-party managers for discretionary strategies when appropriate.

Scott Kyle is a financial advisor at Coastwise Capital Group, LLC in La Jolla, CA, holding a Series 65 designation with 19 years of industry experience. He has been with Coastwise Capital Group since 2006. Coastwise Capital Group provides discretionary portfolio management, financial planning, and consulting services to individuals, corporations, trusts, estates, and charitable organizations. The firm manages approximately $184 million in assets and employs both fundamental and technical analysis across a broad range of investment instruments.

Frank Montes is a financial advisor at Torrey Pines Financial, Inc. with 17 years of industry experience. He holds Series 63 and Series 65 licenses and has operated Frank E. Montes Financial Services, Inc. since 2001. Montes receives commissions for insurance products including fixed and indexed annuities, life, medical, disability, long-term care, dental, and vision insurance. Torrey Pines Financial provides financial planning, consulting, and portfolio management services to individuals, trusts, estates, and retirement plans. The firm emphasizes fundamental analysis and Modern Portfolio Theory to develop diversified, long-term investment strategies, often allocating assets among independent third-party managers and focusing on manager selection and monitoring.

Kevin Barrett is a financial advisor with Wealth Alliance, LLC in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with Wealth Alliance since 2006 and also maintains a role at Independent Financial Group, LLC. Outside of financial advising, he is the owner of VitalNRG, a company developing a wave energy converter device, and serves as a consultant for Innovative California Biosciences International. Wealth Alliance serves individuals, families, trusts, estates, retirement-plan participants, and small businesses, with a focus on business owners and executives transitioning to retirement as well as emerging-wealth professionals. The firm manages approximately $64.5 million for around 266 clients and offers discretionary investment management along with personal financial analysis and consulting, utilizing proprietary model portfolios and a combination of quantitative and fundamental investment selection methods.

Riley Kelly is a Chartered Financial Consultant (ChFC®) with over 40 years of experience in the financial services industry. He has been with Wealth Legacy Group, Inc. since 2006 and also owns R. J. Kelly Financial & Insurance Services, where he sells life and health insurance. He is based in San Diego, California. Wealth Legacy Group, Inc. serves high-net-worth families, business owners, nonprofits, and institutional clients by providing integrated wealth planning, business succession, philanthropic planning, and insurance guidance. The firm employs a proprietary planning process and utilizes third-party managers for investment implementation, focusing on coordinated, multi-topic planning and discretionary management through institutional platforms.

Fabian Waldner is a financial advisor at Eiger Wealth Management, LLC with 18 years of industry experience. He holds a Series 65 designation and has been with Eiger Wealth Management since 2019, following a 12-year tenure at Cornerstone Wealth Management. Eiger Wealth Management primarily serves individual accredited and high-net-worth clients, as well as qualified retirement plans, trusts, and other entities, offering wealth management, portfolio management, and financial planning. The firm employs a multi-asset approach that combines publicly traded equities, fixed-income strategies, interval funds, and private placements, while also utilizing third-party managers and providing access to private investment opportunities.

Michael Malvin is a financial advisor at Decision Investments, Inc. in San Diego, CA, holding Series 63, 65, and 66 licenses with 23 years of industry experience. He has been with Decision Investments since 2007. Decision Investments serves individuals—including both high-net-worth and non-HNW clients—as well as non-profit organizations and corporate plan sponsors. The firm provides discretionary portfolio management, financial planning, and retirement-plan consulting, employing an active, tactical asset-allocation approach that combines fundamental and technical analysis with regular portfolio reviews.

Richard Vertucci Jr. is a financial advisor at Salient Wealth Planning with eight years of industry experience. He holds the Series 66 designation and previously worked at Ameriprise Financial Services, Inc. for nine years. Outside of finance, he was involved with Lakeside Tavern & Marina for four years. Salient Wealth Planning is an SEC-registered advisory firm serving individuals, high-net-worth clients, trusts, estates, and businesses. The firm manages approximately $239 million across a three-advisor team, using a long-term, fundamental-analysis approach and diversified portfolios that include low-cost mutual funds, ETFs, and selectively held individual securities.

Andreas Melzer is a financial advisor with Torrey Wealth, LLC and holds a Series 66 license. He has 11 years of industry experience, including prior roles at Charles Schwab & Co., Charles Schwab Bank, TD Ameritrade Institutional, AXA Advisors, Foresters Financial, IUPS, and Morgan Stanley. Outside of his advisory work, he serves as a lacrosse referee for the San Diego County Lacrosse Officials Association. Torrey Wealth serves individuals, trusts, estates, corporations, and pension or profit-sharing plans, providing wrap asset management and standalone financial planning. The firm emphasizes diversified portfolios using low-cost equity index ETFs and fixed-income instruments, employing a mix of quantitative, fundamental, technical, sector, and cyclical analysis tailored to client preferences.

Jacqueline Buenrostro is a financial advisor at D. M. Brenner, Inc. with a Series 65 designation and one year of industry experience. She has been with D. M. Brenner, Inc. since 2022 and previously worked in education from 2015 to 2018. D. M. Brenner, Inc. offers customized financial planning, discretionary asset management, and qualified plan consulting to individuals and business clients. The firm manages portfolios using mutual funds, ETFs, and individual securities, applying an investment approach based on Modern Portfolio Theory with a focus on aligning portfolios to clients’ goals and risk tolerance.

Steven Wittenberg is the sole advisor at Independent Wealth Solutions with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has operated Wittenberg Financial and Insurance Services, Inc. since 2015. Previously, he was involved with The Inspired Youth from 2011 to 2017. Independent Wealth Solutions provides advisory services to individuals, corporations, and tax-qualified 401(k) plans primarily through selecting and referring third-party investment advisers and acting as a solicitor. The firm also offers pension consulting and 401(k) plan services using the Betterment at Work platform and is affiliated with an insurance entity that sells fixed annuities.

Gregory Syrios is a CFP® with 32 years of industry experience. He is currently with Syrios Wealth Management Group, where he has worked since 2024. Prior to that, he spent 15 years at Wells Fargo Clearing and Wells Fargo Advisors LLC. Syrios Wealth Management Group provides wealth and investment management, financial planning, and selection of third-party asset managers to individuals, pension and profit-sharing plans, non-profit organizations, and businesses. The firm employs a combination of active and passive investment strategies and offers both discretionary and non-discretionary portfolio management services.

Kyle Stits is a financial advisor with Cooper Capital Group in Encinitas, CA, holding Series 63 and Series 65 licenses and bringing 10 years of industry experience. His prior roles include positions at Purshe Kaplan Sterling Investment and Northwestern Mutual. Cooper Capital Group serves individual and high-net-worth clients, providing discretionary asset management, comprehensive portfolio management, financial planning, and retirement plan consulting. The firm employs a diverse investment approach that incorporates fundamental, technical, quantitative, and sector analysis across a wide range of strategies, with ongoing portfolio monitoring and rebalancing.

Rebecca Dodge is a CFP® and CFA® with seven years of industry experience. She has worked at Brian D. Lowder, Inc. since 2019 and previously spent four years at Brandes Investment Partners. Brian D. Lowder, Inc. provides fee-only financial planning and investment management services to individuals, families, trusts, corporations, and charitable organizations. The firm customizes investment portfolios based on client objectives and risk tolerance, employing a core-and-satellite approach with ongoing portfolio monitoring.

William Delano is a financial advisor at DL Wealth Management Group with 18 years of industry experience. He holds a Series 66 designation and previously worked at First Financial Equity Corporation and Daniel P. Laframboise, Inc. He is also owner of an administrative and IT services business. DL Wealth Management Group provides ongoing portfolio management to individuals, high-net-worth clients, and pension or profit-sharing plans. The firm uses a combination of fundamental analysis, modern portfolio theory, quantitative and technical methods, and employs both long-term and short-term trading strategies tailored to clients’ risk tolerances.

Lawrence Ladd is a CFP® and CFA® with 13 years of industry experience currently working at Coronado Investment Advisors, LLC. He has held positions at Magellan Federal, My Secure Advantage, and Zeiders Enterprises. Ladd also serves as a financial counselor for military service members, providing budgeting and credit counseling services. Coronado Investment Advisors offers discretionary portfolio management and advisory services to individuals, families, trusts, corporations, endowments, and government entities. The firm employs an adaptive, active investment approach combining fundamental, technical, and probabilistic methods, utilizing primarily individual stocks, bonds, and ETFs.

Chandima Mendis is a financial advisor at Pacific Spirit Investments LP with one year of industry experience. He holds Series 65 and Series 63 credentials and previously spent ten years at Bridgewest Capital Management. Outside of advisory work, he serves as a board member and senior executive for family office organizations and is involved with a technology company as a board member and investor. Pacific Spirit Investments LP offers customized investment management primarily for individuals, families, trusts, and small institutions. The firm employs a bottom-up, quantitative stock-selection process and provides discretionary portfolio management with performance-based fee options available for qualified clients.

Timothy Winter is a CFP® with 21 years of industry experience, currently serving as the sole advisor at Steward Family Office, Inc. since 2014. He provides management advisory services to his firm and performs additional consulting work for CTJML, Inc. Steward Family Office, Inc. offers financial consulting and family office services to high-net-worth families, trusts, and foundations, focusing on reporting, estate and philanthropic consulting, private equity, and administrative coordination without managing client investments or custody.

Todd Frank is a financial advisor with Frank Financial Advisors in Carlsbad, CA, holding the PFS™ and Series 66 designations and bringing 25 years of industry experience. He has been with Frank Financial Advisors since 2008. Outside of his advisory role, he is licensed to sell non-variable life, health, and disability insurance products. Frank Financial Advisors provides discretionary asset management, financial planning, and consulting services to a diverse client base, including high-net-worth individuals, trusts, estates, and charitable organizations. The firm employs primarily no-load or low-load mutual funds and ETFs, using both fundamental and technical analysis across long- and short-term strategies.