Brian Chambers serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2004. Prior to this role, he worked as a Financial Consultant at Wachovia Securities from 1998 to 2004. In his professional capacity, Brian focuses on guiding clients to build flexible financial plans designed to adapt to changing needs while aiming to grow and protect their wealth over time. He finds it rewarding to assist clients through important financial decisions and to help them navigate uncertain times. Brian holds a California Insurance License, supporting his expertise in financial consulting. Outside of his professional work, he engages in activities such as biking, motorcycles, outdoor adventures, sailing, snowboarding, and tennis.

Robert Winston is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, N.A. Outside of his advisory role, he serves as a lifetime-appointed board member of the Selective Service System, a position made by the President of the United States. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Lisa Yang is a financial advisor with LPL Financial based in La Jolla, CA, holding a Series 66 designation and 9 years of industry experience. She has worked at LPL Financial since 2014 and previously spent a year at the University of California, San Diego. Yang is involved with Symbio Financial Partners, an entity related to her LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions using a variety of portfolio management strategies and support tools.

Brian Mclean is a financial advisor with OSAIC in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. His career includes roles at The Retirement Group, LLC; FSC Securities Corporation; Wilsey Asset Management Incorporated; and LPL Financial. He serves as a volunteer director on the board of Casa de las Campanas, a nonprofit retirement community in North San Diego County. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm utilizes a multi-advisor platform offering brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and a range of customizable strategies.

Alexis Saucedo is a financial advisor at Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 designations with eight years of industry experience. Prior to joining Morgan Stanley in 2026, Alexis worked at Wells Fargo Bank and its related entities from 2013 to 2026. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services supported by firm-approved planning tools and investment research.

Kathleen Byrnes is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in investing, wealth management, and tax minimization, working closely with individuals and families to help them preserve and invest their wealth smartly and tax efficiently. Kathleen focuses on understanding the goals and values of her clients to provide tailored planning across various areas such as retirement income, legacy planning, philanthropic planning, and small business strategies. Before joining Merrill, Kathleen spent a decade at investment management firms including Goldman Sachs and AllianceBernstein. She holds the Chartered Financial Analyst (CFA) and CERTIFIED FINANCIAL PLANNER (CFP) designations. Kathleen earned a Bachelor of Science in Finance and Bachelor of Arts degrees in Economics, Spanish, and International Studies from The Pennsylvania State University. Originally from Philadelphia, Kathleen resides in Carlsbad, California with her husband and two daughters. Outside of her professional work, she is involved with the Carlsbad Fire Department Foundation and the San Diego Penn State Alumni Association. Her personal interests include cooking, football, interior decorating, music, reading, running, soccer, traveling, yoga, and spending time with her family.

Joseph White is a CFP® with 23 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Investments, LLC and Ameriprise. 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 uses research and analytics to guide investment decisions and offers a range of brokerage and advisory solutions.

Tim Pantaleon is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Commonwealth Financial Network and Cuso Financial Services. 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, and institutional platforms.

Jeffrey Nessia is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. Prior to joining Wells Fargo Clearing in 2023, he worked at J.P. Morgan Securities for 11 years. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ethan Lagasse is a financial advisor at Osaic with one year of industry experience. He holds a Series 66 designation and has worked at Lincoln Financial Advisors and The Spot prior to joining Osaic. He completed his education at Santa Clara University and St. Augustine High School. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach utilizes model-based asset allocation and portfolio optimization supported by various analytical tools and offers a range of managed and third-party strategies.

Shane Terry is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 66 credentials and 30 years of industry experience. He has been with LPL Financial since 2015. Terry also operates Terry Capital, Inc., an investment-related business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, delivering advice through a large network of investment adviser representatives who utilize a range of discretionary and non-discretionary investment strategies.

Michael Marangola is a CFP® and ChFC® with 26 years of industry experience. He is currently an advisor at LPL Financial and has previously been associated with FSC Securities Corporation and OSAIC. He is the owner and president of Marangola Financial Group, which also provides income tax preparation services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, and third-party asset management across various platforms.

Karina Mendoza is a Series 66-licensed financial advisor at UBS Financial Services with seven years of industry experience. She has worked at UBS since 2019 and previously had brief tenures at Merrill Lynch. Outside of her advisory roles, she was involved with YMCA San Diego County for five years and San Diego State University for four years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, using proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Edward Creed is a financial advisor at Ameriprise with 37 years of industry experience. He has held roles within Ameriprise and Ameriprise Financial Services, Inc. since 2005. He holds a Series 63 designation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice. The firm integrates proprietary research and algorithmic tools with a selective investment approach influenced by its affiliated product ecosystem.

Christopher Gregson is a financial advisor with LPL Enterprise in San Diego, CA, holding a Series 66 credential. He has been with LPL Enterprise since 2025 and has prior experience in roofing and insurance services. Gregson is involved with Emerald Street Capital and has a longstanding role at I-Surance Insurance Services. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, corporate, and charitable entities. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Russell Fujii is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 credential and possessing 10 years of industry experience. He has been with Edward Jones since 2016. Outside of his advisory role, he serves as a trustee for a family living trust. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a large national network of advisors and offers a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and specialized services.

Joshua Billauer is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Prudential Equity Group and Morgan Stanley. 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.

Jason O Reilly is a financial advisor with LPL Financial based in San Diego, CA. He holds Series 63 and Series 66 licenses and has seven years of industry experience. Prior to joining LPL, he worked at HSBC Bank USA, N.A., HSBC Securities (USA) Inc., Wells Fargo, and Citibank. He is also dual-hatted as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products and services alongside his registered representative role. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supporting advisors with research and operational tools while managing over $819 billion in discretionary assets.

Erik Karlson is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Mark Vigil is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and with 28 years of industry experience. His prior roles include positions at Kestra Investment Services, Morgan Stanley, Merrill, and Wells Fargo Investments. He is also Managing Director of Tailwind Wealth Advisors, an independent RIA providing investment advisory services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with research and operational tools across a wide range of investment strategies.