Andrew Ferrette is a CFP® and holds a Series 63 license with 12 years of industry experience. He currently works at Creative Planning, where he has been since 2021. His prior roles include positions at Reilly Financial Advisors and Calton & Associates. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals—including high-net-worth and ultra-affluent clients—as well as pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Daniel Quirk is a CFP® and CFA® with 17 years of industry experience. He currently serves as an advisor at Creative Planning and has previously worked at Cetera Advisor Networks. Quirk is also a member of the Del Mar City Council. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a broad client base, including high-net-worth individuals, institutions, and corporations. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Patrick Wynne is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. since 2021. His prior roles include positions at Epstein and White Financial LLC, Centaurus Financial Inc., and Tremblay Financial Services. Mercer Global Advisors provides investment advisory and planning services to a diverse client base that includes individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm’s investment approach is based on Modern Portfolio Theory and focuses on globally diversified, risk-appropriate portfolios using low-cost index vehicles and multi-factor strategies.

Christopher Barber is a financial advisor at Commonwealth Financial Network with 14 years of industry experience. He holds the Series 66 designation and has been with Commonwealth Financial Network since 2007, with a brief tenure at Unidine Corporation from 2017 to 2018. Barber is based in San Diego, CA. Commonwealth Financial Network is a dual-registered broker/dealer and SEC-registered investment adviser serving a national network of approximately 2,900 advisors and hundreds of thousands of clients. The firm offers a broad adviser-support platform including managed-account programs, third-party asset manager access, and retirement consulting, managing roughly $212.7 billion in client assets.

Freda Fiedler is a financial advisor with Integrated Wealth Concepts LLC in La Jolla, CA, holding four years of industry experience. She is also a CPA with Duffy Kruspodin, LLP, where she has worked since 2004. 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, and family office services with customized portfolios primarily using mutual funds, ETFs, equities, and fixed income, employing a long-term approach combined with shorter-term trades for rebalancing or cash needs.

David Vallerga is a financial advisor at Voya Financial Advisors, Inc. with 21 years of industry experience. He holds a Series 66 designation and has worked at Voya since 2018. Prior to joining Voya, he spent five years with Massachusetts Mutual Life Insurance Company and MML Distributors, LLC. Voya Financial Advisors, Inc. serves a diverse range of individual and institutional clients, including retirement plan sponsors, charitable organizations, corporations, and high-net-worth individuals. The firm provides financial planning, portfolio management, wrap programs, third-party money manager access, and plan-sponsor consulting through multiple program structures, often delivering non-discretionary recommendations.

Brett Keener is a CFP®-certified financial advisor with 24 years of industry experience, currently associated with Primerica Advisors and Park Avenue Securities. He has worked with Guardian Life Insurance Company since 2015 and holds Series 65 and Series 66 licenses. Keener is also licensed to sell insurance products beyond Guardian Life. Park Avenue Securities serves a diverse retail client base, offering both brokerage and advisory services along with financial and retirement planning. The firm employs a variety of investment strategies through proprietary and third-party platforms, managing approximately $15 billion in assets with a large network of advisors.

Livia Benjamin is a financial advisor at Integrated Wealth Concepts LLC with one year of industry experience. She is also a partner at Duffy Kruspodin, LLP, a CPA firm where she has worked since 2004. Integrated Wealth Concepts 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, and family office services, employing a long-term investment approach with customized portfolios using mutual funds, ETFs, equities, and fixed income.

Alden Salcedo is a financial advisor with Primerica Advisors and holds a Series 66 designation. He has experience working at Park Avenue Securities, Guardian Life Insurance, and several other firms and organizations over the past several years, including roles outside the financial industry. Park Avenue Securities serves a broad retail client base, including individual and high-net-worth investors, charitable organizations, and corporate clients. The firm offers a range of brokerage and advisory services, employing proprietary and third-party investment strategies across various account types.

Jacob Apodaca is a financial advisor at Creative Planning with a Series 65 designation and one year of industry experience. Prior to joining Creative Planning, he held roles at Robert Half, Poly English Language Center, and ILA Vietnam. Creative Planning provides investment advisory and financial planning services to individuals, corporations, foundations, trusts, and retirement plans, managing approximately $217 billion in client assets. The firm employs a financial planning–led investment approach emphasizing low-cost indexing and buy-and-hold strategies, supplemented by tax-loss harvesting and other portfolio management techniques, and offers a range of affiliated non-investment businesses including legal and trust services.

Andrew Rogel is a financial advisor with Guardian Life and holds a Series 66 credential. He has six years of industry experience, including previous roles at J.P. Morgan Chase and Park Avenue Securities. Rogel is also affiliated with California State University San Marcos. Park Avenue Securities LLC, operating as Park Avenue® Wealth Management, is a broker-dealer and SEC-registered investment adviser serving individuals, pension plans, charitable organizations, and corporate clients. The firm offers a range of brokerage, financial planning, and investment advisory services, with tailored solutions including discretionary and non-discretionary portfolios managed in-house or by third-party strategists.

Jeremy Laub is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 65 credentials and 26 years of industry experience. His prior roles include positions at Cambridge Investment Research Advisors, Commonwealth Financial Network, and Monarch Retirement Group. Outside of finance, he performs live music and works as a handyman. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement services through a national network, utilizing multiple advisory programs and third-party managers to implement client investment profiles.

Alberto Gallegos is a financial advisor with Schwab Wealth Advisory, holding a Series 66 designation and 16 years of industry experience. He has been associated with Charles Schwab entities since 2009, including Schwab Wealth Advisory Inc. since 2022 and Charles Schwab Bank since 2010. Schwab Wealth Advisory, Inc. provides non-discretionary fiduciary investment advice to clients enrolled in the Schwab Wealth Advisory program, offering annual financial reviews, retirement planning, and investment recommendations across various asset classes. The firm delivers advice through Charles Schwab’s proprietary asset allocation models and research tools, with final trading decisions made by clients.

Anthony Gonzalez is a financial advisor at Empower Advisory Group with four years of industry experience. He holds the Series 66 designation and has worked previously in mortgage lending and financial services roles at firms including KBHS Home Loans, Lennar Mortgage, Mass Mutual, and Voya. Empower Advisory Group provides financial planning and investment management primarily to employer-sponsored retirement plan sponsors and their participants, as well as to certain retail brokerage clients. The firm’s model integrates with Empower’s recordkeeping and administrative platforms and emphasizes long-term portfolio returns and savings rates over short-term forecasts.

Savannah Guy is a CFP® professional affiliated with Corient, with three years of industry experience. She has held roles at Corient and Dowling & Yahnke, LLC, as well as Bank of America Private Bank. Corient provides investment advisory and financial planning services to a diverse client base, including individuals, high-net-worth clients, trusts, pension plans, charitable organizations, and corporations. The firm uses a goals-based, team investment approach that integrates in-house security strategies with third-party manager solutions and customized asset allocation.

Justin Slack is a financial advisor with Principal Financial Services and holds a Series 66 designation. He has one year of industry experience, having joined Principal Financial Services and Principal Life Insurance Company in 2025. Prior to this, he was involved in various businesses including Balanced Fitness and Health and hospitality ventures in San Diego. Principal Securities provides brokerage and registered investment advisory services to a diverse client base, including individual investors, retirement plans, trusts, and military personnel, offering financial planning, retirement consulting, and access to third-party money manager solutions.

Paul Cotofana is a financial advisor with Independent Financial Group, LLC, holding Series 63 and Series 66 licenses and 16 years of industry experience. He previously worked at SagePoint Financial and SagePoint Financial, Inc. from 2009 to 2021 before joining Independent Financial Group in 2021. Independent Financial Group, LLC is a dual-registered broker-dealer and SEC-registered investment adviser serving individuals, charities, corporations, and plan sponsors. The firm offers brokerage, portfolio management, financial planning, and retirement plan services, utilizing platforms such as AccessPoint and third-party asset managers, with approximately $11.3 billion in regulatory assets under management.

Carrie Foote is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 66 licenses and 26 years of industry experience. She has worked at Park Avenue Securities and Guardian Life since 2023 and spent 17 years at CUSO Financial Services, LP. Park Avenue Securities LLC serves a broad retail client base with brokerage and advisory services, including financial planning and retirement-plan consulting. The firm offers various proprietary and third-party investment programs and supports discretionary and non-discretionary account management across multiple asset types.

Deanne Palmer is a CFP® professional with three years of industry experience, currently serving at Prime Capital Financial. She has previous experience with Ameritas Life and Ameritas Investment Corp. In addition to her advisory work, she is involved as lead advisor to the ETA Gamma House Corporation Kappa Kappa Gamma Fraternity at the University of San Diego, overseeing their budget and advising on chapter activities. Prime Capital Financial is an SEC-registered enterprise advisory firm serving high-net-worth individuals, trusts, corporations, and retirement plans. The firm provides a range of services including asset management, financial planning, qualified retirement plan sponsor and trustee services, and family office offerings.

Michael Winaker is a financial advisor at Hightower Advisors with five years of industry experience. He holds the Series 63 and Series 65 licenses and previously worked at UBS Financial Services and Centaurus Financial Inc. Winaker studied at Pepperdine University from 2018 to 2022. Hightower Advisors provides investment advisory and planning services to a diverse client base, including individual and institutional investors. The firm’s approach centers on manager selection and multi-manager solutions, utilizing both affiliated and third-party managers, with services that include portfolio management, financial planning, and retirement plan consulting.