James Zorn is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and 38 years of industry experience. Prior to joining Wells Fargo in 2025, he worked at Ameriprise Financial Services from 2014 to 2025. He also holds a California real estate broker license. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets across more than 14,000 advisors.

Diana Moreno is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. She has worked at Wells Fargo since 2016 and previously spent a year at RBC Capital Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Ekaterina Predeina is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and eight years of industry experience. She has worked at Wells Fargo Clearing and Morgan Stanley, and she is also the sole proprietor of Allure Beauties, a business focused on sales, marketing, and customer service. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in an IPS-driven process and modern portfolio theory. The firm’s offerings include a broad range of investment options, including insurance-related products and bank deposit sweep programs.

Gina Wu is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2015 to 2020. Wu holds a real estate license in California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Britain Kern is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo in 2025, Kern held various roles including positions at Applied Minds and Nextbite. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Kristina Walden is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 63 designation and 11 years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2012 and with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.

Jason Silberstein is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 21 years of industry experience. He has worked at Wells Fargo since 2016, after previous roles at Morgan Stanley and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Waheeda Noor is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 65 and Series 63 licenses and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she serves as treasurer for the San Diego Afghan Refugees Aid Group. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

Robert Gilbert is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 32 years of industry experience. He previously worked at Merrill for 12 years before joining Wells Fargo in 2016. Wells Fargo Advisors serves individual, corporate, and institutional clients, including pension and charitable organizations, offering investment advisory services, financial planning, and retirement plan consulting. The firm employs a research-driven approach and provides both brokerage and advisory solutions at a national scale.

Jeffrey Brown is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and 30 years of industry experience. He previously worked at Stratos Wealth Partners, Ltd and LPL Financial, LLC. Outside of his advisory role, he is an author and book writer through JB Enterprises and serves as an advisory board member for Income Lab, a retirement income management software company, as well as a faculty member for Advisor Coaching at Client Wise. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm utilizes research and analytics from Wells Fargo Investment Institute and third parties to evaluate investment options and offers both brokerage and advisory solutions.

Krista Goryl is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. She worked at Merrill from 2004 to 2009 before joining Wells Fargo in 2016. Outside of financial advising, she has a 50% ownership interest in a sports company called SECRETS OF SUPERWOMEN, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Nolen Quick is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 designations and 18 years of industry experience. He has worked with Wells Fargo entities since 2010. Outside of his advisory role, he serves as trustee for family trusts related to his deceased mother and his brother. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients, managing approximately $671 billion in assets and offering both brokerage and advisory solutions.

Kevin Aufmann is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at UBS Financial Services and Morgan Stanley. Outside of his advisory role, he is involved in ticket selling for sporting events through a personal venture. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Neilrey Ochoa is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds the Series 66 designation and has previously worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Julia Tutarinova is a Series 66-licensed financial advisor with Wells Fargo Clearing in San Diego, CA. She has six years of industry experience, all with Wells Fargo Clearing since 2018 following a six-year employment gap. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, using an IPS-driven approach grounded in modern portfolio theory. The firm offers both discretionary and non-discretionary services, including investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking.

Craig Danker is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 35 years of industry experience. He worked at UBS Financial Services for 14 years before joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, offering both brokerage and advisory solutions at a large scale.

Barry Masci is a CFA® charterholder with 43 years of industry experience. He is currently with Wells Fargo Clearing, where he has worked since 2016. Prior to that, he was with Morgan Stanley and its affiliates for a total of 14 years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets across more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Howard Schwartz is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. His prior experience includes six years with Prudential Equity Group, LLC. Outside of advisory work, he has a minority ownership interest in a real estate LLC. Wells Fargo Advisors is a national firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a large network of advisors and combines research and analytics with both brokerage and advisory solutions.

Jonathan Luevanos is a CFP®-certified financial advisor with 18 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he owns and manages High Country Thoroughbreds, a non-investment-related business in San Diego. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm operates at scale with over 14,000 advisors and manages approximately $671 billion in assets, offering a combination of brokerage and advisory solutions.

John Gilroy III is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Prudential Equity Group, LLC from 1997 to 2003. He also serves as a trustee for a family trust. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research and analytics to support its investment strategies and provides a broad range of brokerage and advisory solutions.

Lisa Kern is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 36 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent 16 years at Davenport & Company LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Thomas Klimisch is a financial advisor at Wells Fargo Clearing with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Jeffrey Tadder is a CFP® with 33 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Merrill for 12 years. Outside of his advisory role, he holds a 50% ownership interest in a boat ownership business, Fish On, LLC, in San Diego. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a broad range of brokerage and advisory solutions.

Reid Matthews is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2021. He previously worked at City National Bank and RBC Capital Markets. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Kelly Rosenthal is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 credentials and 10 years of industry experience. Prior to joining Wells Fargo in 2018, Rosenthal worked at Origin Tax and Financial Services and US Bank NA. Outside of financial advising, Rosenthal co-owns K&J Ventures LLC, a business involved in buying and selling clothes, shoes, video games, and DVDs online. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to a broad range of clients, including individuals, corporations, and institutions. The firm combines research from Wells Fargo Investment Institute and third-party sources to evaluate investment options, offering both brokerage and advisory solutions.

Mark Armstrong is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 44 years of industry experience. He has previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, with over 15 years at Morgan Stanley-related entities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and offering discretionary plan-level investment management that includes a broader set of financial products than many large institutional advisers.

Kimberly Kuyper is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 25 years of industry experience. She previously worked at UBS Financial Services from 2001 to 2004 before joining Wells Fargo Clearing in 2016. In addition to her advisory role, she is a commissioned notary public. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions, leveraging research from Wells Fargo Investment Institute and third parties to support diversified investment approaches.

Stephen Schneider is a CFP® professional with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Prudential Equity Group, LLC from 2000 to 2003. Outside of his advisory role, he serves as treasurer for a homeowners association in Del Mar, CA. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Meghan Fiorito is a financial advisor at Wells Fargo Clearing with two years of industry experience. She holds the Series 66 designation and has been with Wells Fargo in various capacities since 2012. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is IPS-driven, grounded in modern portfolio theory, and includes a broader set of financial products such as insurance-related vehicles and bank deposit sweep options.

Peter Moehrke is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 63 designation and bringing 34 years of industry experience. He previously worked at Morgan Stanley DW Inc. for seven years before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he is the sole owner of MNM Thoroughbred, a business focused on breeding and racing horses. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and integrates research and analytics to support a range of brokerage and advisory solutions.

Mark Robbins is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 licenses and over 34 years of industry experience. He previously worked at Morgan Stanley Dw Inc. and Morgan Stanley & Co. LLC, totaling 12 years before joining Wells Fargo in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Abel Fitch is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 credentials and nine years of industry experience. His career includes positions at Wells Fargo Bank and JP Morgan Chase Bank, spanning various roles since 2017. Outside of finance, he operates a ticket-selling activity through StubHub. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from its Investment Institute and third-party sources to support diversified investment solutions across brokerage and advisory platforms.

Jaime Morgan is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. Prior to joining Wells Fargo in 2016, Jaime worked at A. G. Edwards & Sons, Inc. from 2007 to 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and employs over 14,000 financial advisors, offering both brokerage and advisory solutions.

Matthew Poznicek is a CFP® with 15 years of industry experience, currently serving at Wells Fargo Clearing since 2021. His prior roles include positions at Northwestern Mutual Investment Management and Cetera Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm employs an IPS-driven advisory process based on modern portfolio theory and includes a broader set of financial product offerings than many institutional advisers.

E Miller is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and 43 years of industry experience. He previously worked at Citigroup Global Markets for 12 years before joining Wells Fargo. Outside of his advisory role, Miller is actively involved in music as a self-employed musician and private music instructor, performing with orchestras and providing lessons in the San Diego area. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a wide range of investment advisory services, financial planning, and retirement plan consulting, supported by extensive research and analytics.

Donald Lincoln is a Certified Financial Planner (CFP®) with 30 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent 11 years with A. G. Edwards & Sons, Inc. in San Diego, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research and analytics from Wells Fargo Investment Institute and third-party sources.

Brett Atkinson is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2020. Prior to this, he worked for Ameriprise Financial Services, Inc. for 11 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Farhad Firoozi is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds a Series 66 designation and has previously worked at LPL Financial and Ameriprise Financial Services. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm's advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ashley Meachum is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and nine years of industry experience. Prior to joining Wells Fargo Clearing in 2024, she worked at Morgan Stanley from 2007 to 2024. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

James Carpentier Levy is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and 17 years of industry experience. He has worked extensively with Morgan Stanley affiliates from 2009 to 2024 before joining Wells Fargo Clearing. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions guided by an IPS-driven process rooted in modern portfolio theory. The firm is notable for including insurance-related vehicles and bank deposit sweep options in its investment menus, broadening the range of financial products available to clients.

Jacob Kohut is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 licenses and 13 years of industry experience. He previously worked at U.S. Bancorp Investments, JPMorgan Chase Bank, and J.P. Morgan Securities. Outside of his advisory role, he owns and operates a t-shirt company, designing and selling apparel at farmers markets and wholesale. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm includes insurance-related products and bank deposit sweep options within its investment menus, serving a broad range of institutional clients.

Justin Ross is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds a Series 66 designation and has worked at firms including J.P. Morgan Securities and Morgan Stanley. Outside of his advisory role, he is a commissioned notary public in Del Mar, California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services such as investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of financial product offerings, including insurance-related vehicles and bank deposit sweep options.

L Brokaw is a financial advisor at Wells Fargo Clearing with 55 years of industry experience. He holds a Series 63 designation and has been with Wells Fargo Clearing since 2016. Prior to that, he worked at various Morgan Stanley entities from 2000 to 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services including investment advisory, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute.

Brenda Quinn is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She worked at Janney Montgomery Scott for seven years before joining Wells Fargo Clearing in 2016. Outside of financial services, she has been an independent consultant for Jafra Cosmetics International since 1983, involved in skin care cosmetics sales. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and uses diversification and modern portfolio theory in its investment evaluation.

Timothy Canty is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. His work history includes two separate tenures at Wells Fargo Clearing and eight years at Wedbush Securities Inc. He serves on the Architectural Review Committee for the Del Mar Country Club Estates Homeowners Association. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research and analytics with diversified investment principles to offer both brokerage and advisory solutions.

Jerry Davis is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and having 11 years of industry experience. He previously worked at Bank of America and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Steven Swanson is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses. He has 42 years of industry experience, including prior roles at UBS Financial Services and A. G. Edwards & Sons, Inc. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Fawn Westlund is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. She holds a Series 66 designation and previously worked at Ameriprise Financial Services, Inc. for nine years before joining Wells Fargo Clearing in 2023. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Justine Girard is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 63 designation and 43 years of industry experience. Her prior work includes positions at A. G. Edwards & Sons, Inc. and UBS Financial Services. She also serves as a trustee for family investment trusts. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to guide its investment approach and offers a broad range of brokerage and advisory solutions.