Maureen Huttel is a financial advisor at OSAIC with 12 years of industry experience. She holds a Series 66 designation and previously worked for Lincoln Financial Advisors Corporation for 11 years. In addition to her advisory role, she is licensed as an insurance agent offering accident and health insurance, disability insurance, fixed and indexed annuities, health savings accounts, long-term care insurance, and traditional life insurance products. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and multiple platforms to construct portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Cheryl Lopez is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 credential and 21 years of industry experience. She has been with Ameriprise and its affiliated entities since 2007. Outside of her advisory role, she co-owns an LLC that manages the operations of her financial practice. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency strategies to create personalized recommendation reports. The firm also provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Paul Peters is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 44 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 1995 and leads Peters Insurance Services Inc., which he has operated since 1981. 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 provides a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management strategies supported by research from LPL Research and third-party subadvisors.

Shayne Gabris is a financial advisor at Fidelity with four years of industry experience. He holds a Series 66 designation and has worked at firms including Charles Schwab, TD Ameritrade, and SagePoint Financial. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in its model portfolios, which include mutual funds, ETFs, and ETPs. The firm also engages in fund advisory and serves as a registered commodity pool operator.

Gregg Himfar is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He previously worked at Investacorp Advisory Services Inc and Prudential Investment Management Service. His outside business activities include acting as a non-variable insurance agent. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, utilizing model portfolios and research from multiple sources.

Darren Poland is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and seven years of industry experience. His career includes roles at Lucia Securities, VO Engineering, Trinity Geotechnical Engineering, and San Diego State University. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of advisers. The firm offers financial planning, various advisory programs, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios and research.

Ian Lucas is a financial advisor with LPL Financial in San Diego, CA, holding a Series 65 designation and 18 years of industry experience. He previously worked at Graham Investment Management, Inc. for 13 years and has been involved with Vx Logistics LLC since 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

James Carideo III is a financial advisor at RBC Capital Markets with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS Financial Services for 14 years prior to joining RBC Capital Markets and City National Bank in 2025. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies and access to both in-house and third-party managers, leveraging RBC’s capital-markets capabilities and integrated financial services.

Leila Sharghi is a financial advisor with Equitable Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and 35 years of industry experience. She has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. She serves as vice president on the board of directors for her homeowners association and acts as co-trustee for her immediate family. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm delivers its services through a network of Investment Adviser Representatives, utilizing both firm-offered and third-party advisory programs, with a focus on matching clients to appropriate investment models and discretionarily managed portfolios.

Ryan Wetsel is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined the firm in 2009 and specializes in assisting clients with commercial banking and financing strategies, managing concentrated stock positions, and navigating significant transition events such as retirement, inheritance, or the sale of a business. Before joining Merrill Lynch, Ryan gained experience working with Welfare Strategies in Adelaide, Australia, where he helped business owners establish corporate benefit programs. He also contributed to quality control and accounting standards efforts at the American Standard plant in China. Ryan holds a Bachelor of Science degree in Economics and Business from Westmont College in Santa Barbara. He has spent considerable time studying International Business across Europe, Asia, New Zealand, and South Africa. Ryan resides in Del Mar with his three children.

Tracey Davis is a financial advisor at Ameriprise with 39 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Ameriprise and its affiliate since 2014. Davis serves on the Eller Alumni Advisory Council, which supports the University of Arizona's business college. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Cynthia Cairo is a financial advisor with LPL Financial and holds a Series 63 designation. She has 29 years of industry experience, including prior roles at Securities America Advisors, Securities America Inc, and National Planning Corporation. Outside of finance, she owns Studio Fusion, a dance and fitness studio in Huntington Beach, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Dirk Harris is a financial advisor at RBC Capital Markets with 18 years of industry experience. He holds the CFP® designation and Series 66 and 63 licenses. Prior to joining RBC in 2026, he worked at Bank of America, Merrill, and D&B Management from 2018 to 2026, and at AlphaCore Capital, LLC from 2015 to 2018. RBC Wealth Management serves a diverse client base, including individual investors and institutional clients, offering discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services. The firm employs tailored investment strategies combining in-house and third-party managers, with options that include tax management and responsible investing.

Jonathan Luevanos is a CFP® professional with 17 years of experience in the financial industry. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he owns and manages High Country Thoroughbreds, a thoroughbred horse business based in San Diego. 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Zhi Hu is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the CFP®, ChFC®, and Series 66 credentials. His prior work history includes roles at JP Morgan Securities LLC and JP Morgan Chase Bank. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Scott Hemerick is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He has been with LPL Financial since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Andrew Meram is a Financial Consultant at Fidelity Investments. In this role, he partners with clients to develop holistic financial plans aimed at addressing key risks. His approach involves a four-step process that includes understanding clients' priorities, conducting a diagnostic analysis of their current financial situation, and providing clear recommendations without jargon. Andrew's experience at Fidelity Investments includes roles as Investment Consultant from 2022 to 2024, Relationship Manager from 2021 to 2022, and Financial Representative in 2021. He holds a California Insurance License. Outside of his professional work, Andrew enjoys boating and spending time with his family.

Arland Kelly is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at SCF Investment Advisors, INC. and SCF Securities, INC. He also operates Kelly Financial, which has been active since 2005. 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 representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches alongside model portfolios and research from various sources.

Teresa Garrett is a financial advisor with LPL Financial, holding a Series 66 license and bringing 10 years of industry experience. She has previously been affiliated with CUSO Financial Services, L.P. and Grove Point Licensing, LLC. Outside of her advisory role, she is a partner in Leatherback Supply Company, a retail and wholesale business where she assists with direct sales and marketing. 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 various advisory programs, financial planning, and retirement consulting through a national network of investment adviser representatives.

Gloria Ruuspakka is a financial advisor with LPL Financial holding a Series 65 credential and three years of industry experience. She has previously worked with Carson Wealth/Cetera Advisor Networks and was involved with One Extraordinary Marriage before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services supported by various research resources and technology solutions.