Christopher George is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he is a partner overseeing property management at a retail shopping center partnership. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services supported by proprietary research and asset allocation models.

Jonathan Nash is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior roles include positions at JP Morgan Chase Bank, JP Morgan Securities, CalChoice, Covered California, Dickerson Employee Benefits, and The Prudential Insurance Company of America. 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 services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm’s offerings include a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs, distinguishing it among large institutional advisers.

Kevin Hoskins is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to create, implement, and monitor customized financial plans, aiming to provide a world-class planning experience through genuine, straightforward, and attentive service. Kevin has been with Fidelity Investments since 2014, progressing through positions including Financial Representative, Investment Consultant, and Financial Consultant before his current role. Prior to joining Fidelity, he worked as an Investment Consultant at Scottrade from 2013 to 2014. He holds a California Insurance License. Outside of his professional work, Kevin has interests in baseball, fitness, football, social events with friends, and reading.

Nicola Hanna is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and over 21 years of industry experience. Prior to joining LPL Financial in 2025, Hanna worked for Raymond James Financial and Raymond James Financial Services from 2008 to 2025, and at Cavanaugh Financial Group from 2012 to 2018. Outside of advising, Hanna is a business owner of Big Lick Racing Inc and is involved in sports memorabilia sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Ashley Helrich is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds the Series 66 designation and has worked within various roles at J.P. Morgan entities since 2022. Outside of finance, she has worked in the food service and retail sectors, including at Tatte Bakery & Cafe and District Hookah. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary advice through a selective group of Wealth Advisors, focusing on approved funds and strategies.

Joseph Desantis is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. 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 in its investment menus.

Karl Freeman is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following eight years at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a distinctive inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Edwin Espinal is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the CFP® and Series 66 designations and has been with Charles Schwab and its affiliated banking entity since 2015. Charles Schwab & Co., Inc. provides wealth advisory and managed-account services primarily to high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

William Sparks is an International Wealth Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, international wealth management, and portfolio management services. William holds a master's degree from the Thunderbird School of Global Management and a bachelor's degree from the California State University System. He holds the Personal Investment Advisor (PIA) designation. He is affiliated with the professional organization Los Angelitos de Encinitas and actively participates as a community volunteer. Outside of his professional work, William enjoys baseball, biking, camping, reading, swimming, traveling, and spending time with his family. His approach to advising centers on working one-on-one with clients to develop personalized financial strategies aligned with their long-term goals.

Stephen Gelina is a financial advisor with Fidelity in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has been affiliated with various Fidelity entities since 2013. Outside of his advisory role, he is the sole proprietor of CSMJS Great Adventures, LLC, a real estate funding company focused on location research, site investigations, and land analysis. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to diverse client groups, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Archievhal Alvarado is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. Prior to joining LPL Enterprise in 2025, he worked at Edward Jones, City National Bank, and JP Morgan Securities. In addition to his advisory career, he is involved in a music business, BowtiedJ Events, as an artist and musician. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management through both advisory and brokerage channels. The firm combines adviser programs with active sales of financial products, including insurance, supported by LPL’s integrated platform.

Anne Gotingco is a financial advisor with Raymond James & Associates in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. She has worked at Raymond James & Associates since 2018 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting with an emphasis on tailored, non-discretionary advice supported by extensive research and multiple portfolio management styles.

Tomer Rabizadeh is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and 66 designations and bringing 15 years of industry experience. He has been with Morgan Stanley since 2013 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a general board member for Sephardic Temple Tifereth Israel in Los Angeles. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Kevin Keil is a financial advisor at LPL Financial with five years of industry experience. He holds the Series 66 designation and has worked previously at Securian Financial Services, Minnesota Life Insurance, North Star Resource Group, CRI Securities, and Health IQ. Outside of his advisory role, he is the owner of Sail Bay Group, a business unrelated to investments. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of financial planning, advisory, and brokerage services, employing both discretionary and non-discretionary management and offering access to model portfolios, research, and various strategies.

Alexander Howell is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds the Series 66 designation and has been with UBS since 2008. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and a broad range of capital markets and lending programs.

Thomas Boles is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera Advisors LLC since 2013. Boles is also the president and owner of United Financial Consultants Inc and Coastal Dragons Rugby Inc, where he serves as a board treasurer. Additionally, he provides tax services as an IRS enrolled agent. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of investment management and financial planning services through a multi-manager platform with access to various portfolio models and custodial relationships.

Shaurya Chauhan is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 credentials and five years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., Northwestern Mutual Life Insurance Company, and Sagepoint Financial. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Robert DeVoe is a Financial Consultant at Fidelity Investments, a role he has held since 2021. In this position, he partners with clients to understand their personal and professional situations, conducts thorough analyses, and discusses tailored financial strategies that align with their preferences. Prior to his current role, Robert served as a Sales Manager specializing in Fixed Income at TD Ameritrade from 2014 to 2021. Robert holds a California Insurance License, supporting his ability to provide comprehensive financial guidance. Outside of his professional responsibilities, he has personal interests that include cars, family activities, hiking, pets, and table tennis.

Gabriel Garibay is a Wealth Management Senior Relationship Manager who partners with self-directed ultra-high-net-worth clients. In this role, he serves as the primary point of contact and provides comprehensive support to address both their financial and service needs. His professional experience includes positions at Fidelity Investments from 2020 to 2026, where he progressed from Financial Representative to Planning Consultant. Prior to that, he worked at JP Morgan Chase Bank N.A. from 2010 to 2020 in roles ranging from Relationship Banker to Private Client Banker. Gabriel holds a California Insurance License. Outside of his professional career, Gabriel has interests in comedy, hiking, music, parenthood, pets, and traveling.

Russell Handler is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. He previously worked for eight years at Putnam Retail Management before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement consulting, and brokerage services through a national network of investment adviser representatives.