Luis Beltran is a financial advisor at Edward Jones with 15 years of industry experience and holds a Series 66 designation. His prior roles include positions at Bank of America, Merrill Lynch, and JPMorgan Chase Bank and Securities. Outside of his advisory work, he manages a short-term rental business in San Diego. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of advisors and branch offices.

Gregory Reynolds is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has worked at Cetera since 2019 and previously spent six years with Foresters Advisory Services. Outside of his advisory work, he serves as an executor of an estate. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring affiliated and third-party strategies.

Joshua Hudecek is a financial advisor at RBC Capital Markets in San Diego, CA, holding a Series 66 designation. He joined RBC Capital Markets in 2026 after roles at Bank of America and San Diego County Credit Union. He has less than one year of industry experience. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charities. The firm offers various wrap fee advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, providing both discretionary and non-discretionary portfolio management alongside financial planning and brokerage services.

Elizabeth Good is a financial advisor at Fidelity with nine years of industry experience. She holds the Series 63 and Series 65 designations and previously worked at The Vanguard Group, Inc. for seven years before joining Fidelity. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a range of clients, including retail and institutional investors. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, offering services such as discretionary portfolio management and fund advisory.

Stephen Schwarz is a financial advisor at Morgan Stanley with 43 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009, following 15 years at Citigroup Global Markets. He holds the Series 63 designation and is based in San Diego, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that includes tools such as Monte Carlo simulations and Secular Return Estimates from its Global Investment Committee.

Gildete Holt is a financial advisor at J.P. Morgan Securities with six years of industry experience and holds the Series 66 designation. She has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2020, with prior experience at Equitable Advisors and Axa Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process incorporates centralized due diligence combining quantitative and qualitative research and may include an ESG eligibility framework.

Stephen Fagas is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 32 years of industry experience. He has been with LPL Financial since 1998. His other business activities include operating Banner Wealth and Investment Services, a DBA for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Neal Walton is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since joining Merrill Lynch in 1993, he has worked with a select group of families, business owners, corporate executives, physicians, and other individuals to help them pursue their financial goals through tailored advice and guidance. Neal is a qualified Portfolio Manager and manages discretionary personalized or defined strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment strategies. Neal's areas of expertise include college education planning, family wealth management strategies, legacy planning, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, special needs planning strategies, individual and corporate investment strategy, and retirement income. He holds professional designations including Certified Investment Management Analyst (CIMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Neal holds a Bachelor's Degree from Brigham Young University and a High School Diploma from Santa Monica High School. He also attended the University of California System without earning a degree. Neal is committed to supporting the communities he serves and volunteers with local nonprofit and community organizations, including The Church of Jesus Christ of Latter Day Saints. His personal interests include baseball, basketball, camping, football, genealogy, music, skiing, spending time with his family, traveling, and volleyball.

Daniel Haskard is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds the Series 66 designation and has worked at Morgan Stanley Smith Barney since 2009, including time at Morgan Stanley Private Bank, National Association. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. Their planning process utilizes firm-approved tools and modeling techniques without providing individual security recommendations as part of standalone plans.

Courtney Liddy is a financial advisor at UBS Financial Services with 32 years of industry experience. She has been with UBS since 2013 and holds Series 63 and Series 65 credentials. Outside of her advisory work, she is a fractional owner of an airplane through Piper One Media LLC. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory solutions, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services to offer a broad range of investment products and capital markets services.

Benjamin Krzyzewski is a CFP® professional with seven years of experience serving clients through LPL Financial since 2019. Prior to his financial advisory career, he worked at Voith Hydro Inc. for twelve years. LPL Financial is a national broker‑dealer and SEC-registered investment adviser providing a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its network with multiple investment platforms, including model portfolios, third-party asset management, and institutional programs, emphasizing a broad suite of strategic and tactical allocation options.

Ryan Maul is a CFP® with 26 years of industry experience, currently serving at Cetera in San Diego, CA. His career includes roles at multiple Cetera affiliates since 2009 and prior positions with First Allied Advisory Services and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of over 10,000 independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management options and reported over $256 billion in assets under management.

Nina Duprat is an Investment Consultant at Fidelity Investments, where she focuses on delivering retirement planning, investment strategy, and tax-efficient investing tailored to clients' long-term goals and unique needs. She has held her current role since 2025, following a position as a Planning Consultant at Fidelity Investments from 2024 to 2025. Prior to joining Fidelity Investments, Nina was an Associate Wealth Manager Group from 2020 to 2024 and worked as an Associate at Edward Jones from 2019 to 2020. She holds a California Insurance License, supporting her work in financial planning and investment consulting. Outside of her professional career, Nina enjoys camping, outdoor adventures, traveling, and spending time with her pets.

Darrin Santos is a CFP®-certified financial advisor with over 34 years of industry experience. He is currently with LPL Financial and has previously worked at Financial Strategies, Inc., Stj And Company Inc, and Securities America Advisors Inc. Santos is also involved in a marketing business outside of his advisory role. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management solutions to individual and institutional clients.

Laura Smith is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She worked at Morgan Stanley and its affiliated firms from 2006 to 2009 before joining Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, and retirement plan consulting, utilizing research and analytics from Wells Fargo Investment Institute and other sources to inform its investment approach.

Ashley Crane is a financial advisor with Cetera, holding CFP® and Series 66 credentials and bringing 16 years of industry experience. She has held positions at Cetera and Ameriprise and currently operates a financial services business, Affluence.com. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a multi-manager platform with various portfolio management and financial planning services.

Sylvia Sendoda is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has worked with UBS since 2009, including at UBS International Inc., following a prior role at Merrill. She is co-trustee of a family revocable trust used for wealth transfer purposes. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Victoria Utecht is a financial advisor with Wells Fargo Clearing in San Diego, CA. She holds Series 63 and Series 65 licenses and has 39 years of industry experience. Her prior experience includes 11 years at A. G. Edwards & Sons, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm provides investment advisory services, financial planning, retirement plan consulting, and offers both brokerage and advisory solutions.

Anne Fomon is a financial advisor with Wells Fargo Clearing in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. She previously worked at Morgan Stanley & Co. LLC and Morgan Stanley Dw Inc. Outside of her advisory role, she serves as a trustee. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, utilizing research and analytics to inform portfolio management.

Mark Gerardi is a CFP® with 31 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has held previous roles at Cetera, U.S. Bancorp Investments, Raymond James Financial, J.P. Morgan Private Wealth Advisors, and First Republic Wealth Advisors. Outside of his advisory work, he coaches high school wrestling and works as a mortgage loan originator. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advisor-facing technology tools.