Board Officers



CARDIFF Resident, Wealth Management Advisor

Bill Combs is a Cardiff Resident. He works with a team of advisors in advanced planning and case design for individuals, families and business owners. When not working, Bill and his wife Lindsey love to enjoy the community they are intimately involved with, walking, eating and shopping at the local hotspots. If you see them walking around lower Cardiff with their puppy, Olive, be sure to say hi!

If you’d like to learn more about Bill and his team, and to read important disclosures, please visit #2018-64379 Exp. 08/20. Registered Representative & Investment Advisor Park Avenue Securities, Financial Representative of Guardian, CA License #0I49903



Cardiff Resident

Susan is a long-standing resident of Cardiff and an active volunteer within the community. She is an art consultant representing Matthew Antichevich, the creator of the “Cardiff Kook.” Susan is a Board Member of the Friends of Cardiff-by-the-Sea Library. She has served the Cardiff 101 Board from 2005-2008 and returned in 2012. Susan has served as Cardiff 101’s President and currently serves as the Chair of the Promotions Committee and is active on the Design Committee.




Brenda has been a Cardiff resident for more than 25 years. A real estate finance professional since 1990, she currently specializes in the residential market for RPM Mortgage.  She enjoys traveling, tennis, playing on Cardiff’s beautiful beaches and spending time with her family. Brenda is passionate about making the Cardiff community amazing and has been serving on the Cardiff 101 Board since 2006, and served as President from 2010-2014. Brenda currently serves as the Cardiff 101 representative for the City of Encinitas’ Economic Development Committee.


CARDIFF RESIDENT, Former City of Encinitas Mayor

Teresa is a third-generation resident of the North Coast area. She has been an active member of the Cardiff community for over twenty years, serving on the Friends of the Cardiff Library Board and the Cardiff 101 Board. She served on the Encinitas City Council from 2006-2014 and as Mayor in 2013. Teresa was a 76th State Assembly District Woman of the Year Nominee and was recognized by the San Diego County Board of Supervisors for her dedication to the best ideals of public service. Barth is the founding president of the nonprofit Engage Encinitas. She is an advocate for the arts, urban agriculture and the environment.  Teresa is active on the Promotions Committee.




Josh is a Co-Managing Partner of Canvas Ventures, a real estate development company focusing on urban infill development and hospitality-related ventures. Prior to Canvas Ventures, Josh worked on real estate development, special projects and ABC licensing for Stone Brewing Co. He has extensive experience as an Owner’s Representative/LEED Accredited Professional developing LEED certified projects in Washington, DC and Southern California. With over 10 years of real estate development, entitlement/land use policy, project management, and green building experience, he holds a Master of Real Estate Development degree from the University of Southern California. Josh is a member of the USGBC, ULI and a board member and previous President and Treasurer of the Cardiff 101 Main Street Association. Josh has been serving on the Cardiff 101 Board since 2013 and is a active on the Organization Committee.


CARDIFF RESIDENT, California Coast Credit Union

A native of San Diego, Christy has over 15 years of experience in the Credit Union and Commercial Banking Industry. She enjoys spending quality time with her family. Christy has been serving on the Cardiff 101 Board since 2015 and is the Chair of the Organization Committee.


CARDIFF Resident, The Corner Frame Shop & Leucadia Art gallery

Morgan has been a Cardiff resident for more than 35 years. He has served as Cardiff 101’s Vice President, Facade Grant Committee Chair, Organization Committee member, Design Committee member and co-liaison of the Cardiff Botanical Society/Carpentier Parkway. Morgan is the founding president of Leucadia 101 Main Street. He owns and operates The Corner Frame Shop & Leucadia Art Gallery. He has enjoyed assisting with the Arts Alive Program. Morgan has been serving on the Cardiff 101 Board since 2007 and is active on the Design Committee.

Advisory Board


CARDIFF RESIDENT, Founder of Valletta Design Group

Founder of Valletta Design Group, Lauren has a Bachelors in Textile Science and Design from the University of Rhode Island and a graduate degree in Interior Design from Parsons School of Design in New York City. Lauren worked for four years at Wilson Associates, a worldwide hospitality firm in New York, on various projects such as the Fontainebleau in Miami Beach and the Ritz Carlton, Dubai. From 2009-2015, Lauren was an independent design consultant for various design firms throughout San Diego. After being Principle Designer at Cala Design Group, Lauren founded the Valletta Design Group, a residential and commercial design firm with projects, such as, The Crack Shack. Lauren has been a member of the Cardiff 101 Board since 2015 and is active on the Promotions Committee. 



CARDIFF RESIDENT, Senior Managing Director, Newmark Grubb Knight Frank

Steve is a Senior Managing Director for Newmark Knight Frank, a commercial real estate advisory firm.  He represents landlords and tenants in the leasing, sale and acquisition/disposition of office space throughout San Diego. Steve has over 13 years of industry experience and currently represents over 2.1 million square feet of office space. He and his family have resided in Cardiff for 9 years. When not working, Steve enjoys an active lifestyle, traveling and spending time with his wife and two daughters.