Cortland Gray is a CFP® with seven years of industry experience, currently serving as an advisor at Financial Planning Consultants in San Diego, CA. He previously worked at LPL Financial and held roles at Dansr Inc and Bge Financial Corporation over a ten-year period. Gray is also involved with Financial Planning Consultants as an independent registered investment advisor. Financial Planning Consultants provides financial planning and consulting services to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm offers comprehensive financial plans and periodic reviews, focusing on advising clients about various investments through a planning-only model without managing client assets.

Michael Holland is a financial advisor with The Holland Group, Inc. in San Diego, CA, holding a Series 66 designation and 25 years of industry experience. He has previously worked at Western International Securities, Inc. and LPL Financial LLC. Outside of advisory services, he owns and manages MY RACE SHOP LLC, a non-investment-related business. The Holland Group provides discretionary investment management primarily to individual and high-net-worth clients, using a combination of fundamental, technical, and economic analysis alongside asset-allocation software. The firm emphasizes personalized portfolios with listed equities and employs diversification and periodic rebalancing as key risk-management strategies.

Scott Williams is a CFP®, CFA®, and Series 63 credentialed financial advisor with 28 years of industry experience. He has been with Clutinger, Williams & Verhoye Inc in San Diego, CA since 1994. Clutinger, Williams & Verhoye provides continuous investment management primarily for individual clients, including high-net-worth households, focusing on portfolio construction and ongoing monitoring. The firm utilizes individual stocks and bonds rather than pooled investment vehicles and offers monthly statements along with a quarterly Economic and Market Outlook.

Jack Heilbron is a financial advisor at Centurion Counsel Inc in San Diego, CA, holding Series 63 and Series 65 licenses with 40 years of industry experience. He has been associated with Centurion Counsel Inc since 1984 and is also President of Puppy Toes, Inc., a holding company unrelated to investment activities. Centurion Counsel Inc offers a discretionary Strategic Asset Allocation wrap-fee program serving individual and institutional clients, managing approximately $58.5 million across 143 accounts. The firm employs Modern Portfolio Theory and optimization software to construct diversified portfolios tailored to client risk and reward objectives and manages accounts on a discretionary basis.

Arley Gonzalez is a CFP® with three years of industry experience, currently serving as a financial advisor at Koa Wealth Management, LLC. Prior to joining Koa Wealth Management, he worked at Blankinship & Foster LLC and Premier Wealth Advisors. Koa Wealth Management provides financial planning, investment management, and retirement-plan consulting to individuals, high-net-worth clients, trusts, estates, charities, and business entities. The firm integrates fundamental and technical analysis to build portfolios customized to clients' risk tolerance and investment objectives, managing approximately $255 million with a two-advisor team.

Evan Compton is a financial advisor at TruFinancial Registered Investment Advisory Services, Inc. with 12 years of industry experience. He holds Series 63 and Series 65 designations and has been with TruFinancial and its affiliated insurance services since 2016. In addition to his advisory role, Compton is a licensed insurance agent and serves as vice president of sales at TruFinancial & Insurance Services Inc. TruFinancial Registered Investment Advisory Services, Inc. provides discretionary portfolio management and financial planning primarily for individual and high-net-worth clients. The firm employs a multi-method investment approach, including fundamental and technical analysis, and manages approximately $44 million across about 267 accounts with tailored portfolios documented through Investment Policy Statements.

Kunal Gupta is a CFA® charterholder and financial advisor at Gold Path Investment Group with three years of industry experience. His prior roles include positions at LPL Financial, Robert Half International, Aon Corporation, and IBM. Gold Path Investment Group is a newly registered advisory firm that provides asset management and financial planning to individuals, high-net-worth clients, and non-profit organizations. The firm serves a range of institutional clients and employs a combination of fundamental analysis, charting, and modern portfolio theory to construct portfolios across various asset classes.

Robert Bernstein is a financial advisor with Rgb Capital Group in San Diego, CA, holding a Series 65 credential and 17 years of industry experience. He has been with Rgb Capital Group since 2009. Bernstein serves as President of the San Diego Chapter of the American Association of Individual Investors, a nonprofit that organizes investment education events. Rgb Capital Group is a state-registered investment adviser providing discretionary portfolio management to individuals, charitable organizations, and business entities. The firm focuses on capital preservation and active risk management, employing mutual funds and ETFs across multiple strategies, and offers both managed and client-directed trading services.

Ethan Senn is a financial advisor at Sage Stone Wealth Management LLC with one year of industry experience. He holds a Series 65 designation and has worked previously at Primerica and in various roles outside finance, including at Smoky Mountain Pizzeria and Grill. Sage Stone Wealth Management LLC provides investment advisory and financial planning services to individuals, high-net-worth clients, charitable organizations, retirement plans, and businesses. The firm uses a combination of active and passive investment strategies with a focus on fundamental analysis, offering tailored portfolios that may include ethical or faith-aligned screens and emphasizes client education and governance.

Tyler Birch is a financial advisor at Lightcap Financial Group, LLC in San Diego, CA. He holds a Series 65 designation and has been in the industry for one year. His prior experience includes roles at CDW and positions related to education and retail. Lightcap Financial Group is a recently formed registered investment adviser serving individuals, trusts and estates, and business and retirement-plan sponsors. The firm offers discretionary portfolio management, standalone financial planning, and retirement plan consulting, utilizing a variety of analytic approaches across multiple investment instruments.

John Simon is a CFP® with 26 years of industry experience. He is affiliated with Pacific Capital Associates and has held roles at Mutual Securities, Inc., Cetera Advisor Networks LLC, and Girard Securities Inc. Outside of his advisory work, he serves as a recreation specialist referee for youth and adult hockey games in the City of Escondido. Pacific Capital Associates provides portfolio management, financial planning, retirement plan consulting, and account monitoring services to individuals, trusts, retirement plans, and business entities. The firm employs a valuation-driven, value investing approach with global diversification and emphasizes cost control through the use of low-cost index ETFs alongside selectively chosen active funds.

Timothy Schneider is a CFP® and holds a Series 66 license with 20 years of experience in the financial industry. He currently works at ACAS, LLC, operating as Tate Asset Management and DCO Wealth Management. He has been with ACAS since 2013. ACAS, LLC serves individuals, including high-net-worth clients, pension and profit-sharing plans, trusts, estates, and corporate entities with investment supervisory services, discretionary advisory, and financial planning. The firm offers both ongoing portfolio management and limited investment consulting, employing a variety of asset types and trading strategies, and provides specialized ERISA-focused retirement plan services for plan sponsors.

Jason Park is a financial advisor at Margo Park Financial in San Diego, CA, holding a Series 66 designation with 13 years of industry experience. He has been with Margo Park Financial since 2014. In addition to advisory services, Jason is a licensed insurance agent who donates all profits from insurance sales to avoid conflicts of interest. Margo Park Financial manages approximately $36.3 million across about 75 clients, providing portfolio management and advisory services to individuals, trusts, and businesses. The firm uses model portfolios and applies modern portfolio theory and quantitative analysis to tailor investment programs according to client risk tolerance.

Alan Grismore is a CFP® professional with 10 years of experience in the financial services industry. He is currently an advisor at Santara Wealth Management LLC and previously worked at Axxcess Wealth Management, LLC and JPMorgan Chase. Outside of his advisory role, he is involved in insurance sales, focusing on accident and health, life, and variable annuity products. Santara Wealth Management is a small advisory firm serving individuals, trusts, estates, and business clients, including high-net-worth individuals and family offices. The firm employs a multi-disciplinary investment approach, managing portfolios with a range of securities and using a non-custodial platform to rebalance retirement plan participant accounts.

Malek Hage Hassan is a financial advisor at RJ Patterson Group with a Series 65 designation and one year of industry experience. Prior to joining RJ Patterson Group, he held various roles in education and retail, including positions at Mira Mar Community College and Floor and Decor. RJ Patterson Group provides discretionary investment management, financial planning, and participant-account services to individuals, retirement plan participants, and corporations. The firm emphasizes a value-oriented equity approach combined with diversified use of ETFs, mutual funds, individual equities, and fixed-income securities across different risk profiles.

Matthew Medeiros is a financial advisor at Clelland & Company Inc in San Diego, CA, holding Series 63 and Series 65 licenses with 14 years of industry experience. He has been with Clelland & Company since 1998. Clelland & Company manages approximately $432 million for a selective client base, including high-net-worth individuals, trusts, pension plans, endowments, and charitable organizations. The firm focuses on strategic asset allocation, diversified portfolios, and manager/fund selection across a broad range of investment vehicles, offering discretionary portfolio management and wealth planning services.

Thomas Dudley is a financial advisor with Stirling Financial Group in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has previously worked at Northwestern Mutual and LPL Financial and is currently a managing member and Chief Compliance Officer at Stirling Financial Group. He also provides investment advisory services through Leeds Capital Group, LLC. Stirling Financial Group serves individuals, including high-net-worth clients, as well as pension plans, trusts, and other entities, offering wealth management and financial consulting. The firm manages client accounts on a discretionary basis using a combination of fundamental, technical, and cyclical analysis, alongside asset-allocation models, and sponsors its own wrap fee program with custodial services provided through LPL.

David Nagy is a financial advisor at SRS Wealth Management with nine years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with SRS Wealth Management since 2017. In addition to his advisory role, he is actively involved with Successful Solutions, LLC, where he engages in traditional life and health insurance sales. SRS Wealth Management provides fee-based advisory services primarily through referrals to third-party money managers and offers financial planning and retirement plan advisory services. The firm also conducts educational seminars, workshops, and newsletters as part of its client engagement.

Michelle Thomas is a financial advisor at WBB Securities, LLC with 19 years of industry experience. She holds Series 63 and Series 66 licenses and has been associated with WBB Securities since 2013 in various roles. Her prior work includes positions at Vanderbilt Securities, Vanderbilt Advisory Services, ImpactU.Investments, and Consolidated Portfolio Review. WBB Securities, LLC provides investment advisory and broker-dealer services to individual clients, pension and profit-sharing plans, charitable organizations, corporations, and other advisers. The firm employs asset allocation and custom portfolio construction techniques, combining fundamental, technical, and charting analysis across both long-term and short-term strategies, while functioning as both a registered investment adviser and a FINRA-member broker/dealer with in-house investment banking and equity research capabilities.

Katherine Steck is a financial advisor at Copia Wealth Management Advisors, Inc. in San Diego, CA, holding a Series 65 designation with six years of industry experience. She has been with Copia Wealth Management Advisors since 2020 and is also involved in case management and support services for an affiliated insurance company, Copia Wealth Management and Insurance Services. Copia Wealth Management Advisors, Inc. serves primarily individual households, managing approximately $19.7 million on a discretionary basis for around 86 clients. The firm provides discretionary portfolio management through third-party asset managers and TAMPs, financial planning, and ongoing due diligence on privately issued securities, using a mosaic research approach that incorporates fundamental, technical, and cyclical analysis.