Andrew Jensen is a financial advisor with WFA of San Diego, holding Series 63 and Series 65 licenses and five years of industry experience. He has worked at Crystal Capital Partners from 2014 to 2020 and has been with WFA of San Diego and Zermatt Wealth Partners since 2021. WFA of San Diego is a fee-only registered investment adviser serving individuals, retirement plans, trusts, estates, charitable organizations, and small businesses. The firm emphasizes asset allocation, third-party research, and individualized investment policy statements, with a focus on fiduciary considerations and a unique shared governance structure with related advisory entities.

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® and CFA® with 28 years of industry experience. He has been with Clutinger Williams & Verhoye Inc in San Diego, CA for over three decades. Clutinger Williams & Verhoye is a fee-only investment management firm serving individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, and small businesses. The firm employs an active, tactical asset allocation approach using individual stocks, bonds, ETFs, and some closed-end funds, with portfolios managed primarily on a discretionary basis.

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.

Udo Herges is a financial advisor with Herges Capital Management in San Diego, CA, holding Series 63 and Series 65 credentials and having nine years of industry experience. He has been with Herges Capital Management since 2013. Herges Capital Management provides discretionary portfolio management to private clients, including high-net-worth individuals and trusts, focusing on low-cost, tax-efficient, long-only investment strategies. The firm uses quantitative selection methods, emphasizes direct holdings of individual stocks and bonds, and applies ethical exclusion criteria alongside risk-weighted commodity allocations.

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.

Sandeep Varma is a financial advisor at ATS Wealth Management with 36 years of industry experience. He holds the Series 63 designation and has worked with firms including Simplicity Wealth, Cetera, and Avantax, among others. In addition to his advisory work, Varma has been involved in public speaking for over 26 years. ATS Wealth Management provides financial planning and discretionary asset management to individuals, high-net-worth clients, charitable organizations, trusts, and businesses. The firm manages approximately $383.6 million in assets across nearly 500 client relationships and offers model portfolios ranging from aggressive growth to conservative strategies, incorporating various investment vehicles and third-party sub-advisers.

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.

Hubert Collins is a financial advisor at GROW Funds LLC with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has been with GROW Funds since 2018. Prior to that, he worked at Messner & Smith and serves on the board of the Thomas C. Ackerman Foundation, a charitable organization in the San Diego area. GROW Funds LLC provides discretionary portfolio management and pension consulting services to individuals, retirement plans, businesses, and institutional investors. The firm manages separately managed accounts and privately offered pooled vehicles, employing a bottom-up fundamental research approach and opportunistic strategies in its investment process.

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® with 10 years of industry experience, currently serving as an advisor at Santara Wealth Management LLC. His prior experience includes roles at Axxcess Wealth Management, LLC DBA Alta Private Wealth and JP Morgan Chase Bank NA. In addition to his advisory work, he is also involved in insurance sales, focusing on accident and health, life, and variable products. Santara Wealth Management provides advisory services to individuals, trusts, retirement plans, and business entities, offering discretionary asset management and comprehensive portfolio management. The firm uses a combination of fundamental, technical, and quantitative analysis to tailor portfolios and employs a range of investment strategies, including stocks, bonds, ETFs, options, and alternative investments.

Malek Hage Hassan is an advisor at RJ Patterson Group with a Series 65 credential and no prior industry experience. His diverse work history includes roles at Sprouts, Axos Invest, and educational institutions such as the University of San Diego and Mira Mar Community College. RJ Patterson Group serves individual and high-net-worth clients, retirement accounts, and some corporate clients with discretionary investment management and financial planning. The firm manages approximately $142 million across about 189 client relationships and employs a fundamental, value-oriented research process tailored to varying client objectives.

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.