Fee-only CERTIFIED FINANCIAL PLANNER™ practice at 4172 Hill St, operating as Lyon Park Advisors, LLC dba Point Loma Advisors since 2017, with a fiduciary-only advisory model and no commission-based products. Three specialties are publicly named on the practice — Military including federal and California teachers retirement systems, Engineering Professionals, and Independent Navigators (childfree households whose retirement income and long-term-care planning look different from traditional family models) — with tax-prep coordination for multi-bucket retirement accounts often handled by outside CPAs such as Point Loma Tax Preparation. Investment implementation uses passively managed ETFs and low-expense-ratio mutual funds from Vanguard and Dimensional Fund Advisors, with portfolio construction driven by rigorous research and low internal costs rather than active manager selection. A subscription do-it-yourself financial planning tier sits alongside full-service advisory and standalone financial-plan engagements, and estate document drafting for military survivor-benefit plans and engineering-professional trusts typically routes to outside estate counsel such as The Law Office of Louis J. Mancuso. The most complex engagement the practice handles is a federal civilian or military client's retirement-system coordination — layering FERS or CSRS annuity elections, TSP withdrawal sequencing, Social Security timing, and Tricare or FEHB healthcare bridges into one drawdown plan.