Tod Lenhoff is a financial advisor with Wealth Compass Financial, Inc. in Carlsbad, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior roles include positions at AE Wealth Management, Madison Avenue Securities, and managing his own insurance services firms. He is also president of a fixed income tax preparation practice. Wealth Compass Financial, Inc. provides discretionary portfolio management and integrated financial planning to individuals, high-net-worth clients, and pension/profit-sharing plans. The firm emphasizes individualized investment policy statements and a portfolio construction approach based on modern portfolio theory, offering ongoing monitoring and the use of major custodians.

Tamara Morgosh is a financial advisor at 10 Star Asset Management with 14 years of industry experience. She holds a Series 65 designation and has worked at 10 Star Asset Management since 2011. Outside of her advisory role, she is employed as a full-time accounts payable clerk at Halo Motor Company. 10 Star Asset Management provides discretionary investment management primarily for individuals, high-net-worth clients, trusts, estates, and a limited number of pension and retirement accounts. The firm utilizes licensed S&P research and model portfolios, combining qualitative and quantitative analysis to manage equity and income strategies with common stocks, ETFs, and options.

Andrew Cornell is a Series 65 licensed financial advisor with six years of industry experience. He has worked at Cornell Capital Group LLC since 2019 and previously spent 11 years at SMBP LLC. Cornell Capital Group LLC provides ongoing portfolio management services to high-net-worth individuals, focusing on asset allocation, security selection, and regular portfolio monitoring. The firm employs a blend of fundamental analysis, quantitative models, and modern portfolio theory, with a notable emphasis on derivatives and options trading within separately managed accounts.

Alison Farrin is a financial advisor with Seaside Financial & Insurance Services, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She has worked at Fortune Financial Services, Inc. since 2014 and has been involved with Seaside Advisory and Innovative Pension Strategies, Inc. since 2011 and 1991, respectively. Farrin also conducts educational seminars to help 401(k) participants understand plan terminology and mechanics. Seaside Financial & Insurance Services serves primarily individual clients, including high-net-worth individuals, as well as pension plans, businesses, charities, and trusts. The firm provides portfolio management, financial planning, pension consulting, and insurance placement, employing long-term investment strategies documented in Investment Policy Statements.

Andrew Blacker is a CFP® and holds a Series 65 license, serving as a financial advisor at Delphinus Financial Advisors, LLC with two years of industry experience. Prior to his advisory role, he served nine years in the United States Marine Corps. Delphinus Financial Advisors, LLC offers holistic financial planning and investment advisory services to individuals and families, combining ongoing planning, discretionary investment management, and optional tax preparation. The firm operates on a fee-only basis with a fixed annual fee structure and emphasizes customized portfolios aligned with clients’ tax situations, risk tolerance, and goals.

Steven Nuckols is a financial advisor at Wealth Compass Financial, Inc. with nine years of industry experience. He holds a Series 65 credential and previously worked at Blankinship and Foster. In addition to his advisory role, he is an independent licensed insurance agent who occasionally offers insurance products to clients. Wealth Compass Financial serves individual investors, including high-net-worth clients, as well as pension and profit-sharing plans, providing discretionary portfolio management, investment oversight, and integrated financial planning. The firm’s investment approach is based on modern portfolio theory and emphasizes long-term strategies tailored to each client's objectives.

Barry Waits is a financial advisor at Waits Investments, LLC in Carlsbad, CA, with 14 years of industry experience. He holds Series 63 and Series 66 designations and has led Waits Investments since its founding in 2012. Outside of his advisory work, he manages a rental property in Maui through a property manager. Waits Investments primarily serves individual investors, trusts, estates, and charitable organizations with personalized financial planning, hourly consulting, and portfolio management. The firm employs a long-term, asset-allocation focused investment approach using a blend of low-cost index funds, ETFs, and selective active management, operating on a fee-only basis without commissions or third-party payments.

Flat-fee wealth management for families with $5M-25M. 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 licenses and bringing nine years of industry experience. His work history includes roles at Purshe Kaplan Sterling Investments, Northwestern Mutual Investment Services LLC, and Uber. Cooper Capital Group serves individual and high-net-worth clients as well as employer plan sponsors, providing asset management, comprehensive portfolio management, financial planning, and retirement plan consulting. The firm employs a range of analytical methods and investment strategies, combining fundamental, technical, cyclical, quantitative, and qualitative analysis, and offers corporate and tax-related planning services alongside wealth management.

Luke Van Houten is a CFP®-certified financial advisor with 10 years of industry experience. He is affiliated with Lifetime Financial Advisors Inc and has worked previously at Putnam Investments LLC and LPL Financial. He is also licensed as a non-variable insurance agent. Lifetime Financial Advisors provides personalized financial planning and written investment recommendations for individuals, trusts, estates, charitable organizations, corporations, and retirement plan participants. The firm delivers non-discretionary advice focused on retirement, tax, estate, insurance, and college funding needs, often recommending mutual funds selected for manager tenure, risk management, and transparency.

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.

Juliana Guerra is a financial advisor at Dean Roland Russell, LLC with a Series 65 designation and two years of industry experience. She previously worked at AlphaCore Wealth Advisory for one year and was a full-time student for eight years prior to entering the financial industry. Dean Roland Russell, LLC serves individual and high-net-worth families, including related entities such as trusts and estates, providing fee-only wealth management and financial planning services. The firm creates customized portfolios using a variety of asset classes and incorporates tax, cash-flow, and estate planning considerations alongside security-level analysis.

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® with 11 years of experience in financial advising, currently serving at Ellevest since 2019. She also has a concurrent role at Rs Crum Inc. since 2015. Ashley is based in Carlsbad, CA and is part of a team of 12 advisors at Ellevest. Ellevest provides discretionary investment management and financial planning services primarily focused on helping women plan and invest. The firm offers both Personal Wealth Management and Private Wealth Management, emphasizing strategic asset allocation, diversification, and tax-minimization techniques tailored to individual client goals and risk profiles.

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.

Ryan Gibbs is a CFP® with 11 years of industry experience and is currently associated with Heritage Wealth Management, Inc. in San Diego, CA. He has worked with Heritage Wealth Management since 2014 and also serves as President and CEO of Heritage Advanced Tax Strategies, Inc., where he oversees tax planning and preparation. Prior to his current roles, he was affiliated with The Kocen Financial Group and Financial Goal Securities, Inc. Heritage Wealth Management, Inc. provides discretionary investment management and financial planning services to individuals, small businesses, pension and profit-sharing plans, trusts, estates, pooled investment vehicles, and institutional clients. The firm’s investment approach centers on asset-allocation portfolios using mutual funds, ETFs, equities, fixed income, and option-enhanced strategies, managing portfolios on a discretionary basis and sponsoring affiliated private pooled investment vehicles.

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 designation and has previously worked at Edward Jones, Morgan Stanley, and Independent Financial Group. Outside of his advisory role, he consults on valuation and M&A deals as well as business optimization for financial firms. Pacific Point Wealth Management provides discretionary asset management and comprehensive portfolio management services for individuals, trusts, estates, and business entities. The firm employs a combination of fundamental and technical analysis with both long-term and active trading strategies, including the use of leverage and derivatives, to construct tailored portfolios aligned with client goals.