Matthew Pratt is a financial advisor with LPL Financial in San Diego, CA. He holds a Series 66 designation and has 11 years of industry experience, including 11 years at Commonwealth Financial Network before joining LPL Financial in 2026. 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 financial planning and asset management services, supported by various proprietary and third-party strategies and technology tools, managing over $819 billion in discretionary assets through a network of more than 22,900 advisors.

Lacy Rutter is a Series 66 licensed financial advisor with UBS Financial Services in La Jolla, CA, beginning in 2024. Prior to joining UBS, Rutter held roles at the San Diego Humane Society and the Helen Woodward Animal Center. She also worked at Geppetto's Toys for four years. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and a research-driven investment approach.

Salvador Guzman is a financial advisor with Cetera, holding a Series 66 designation and two years of industry experience. Prior to joining Cetera, he worked at E.W. Scripps and has been involved in the entertainment industry as a disc jockey and MC with Epic Entertainment and Almost Famous Entertainment. Outside of his advisory role, he continues to provide music for weddings and events. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes model portfolios, third-party managers, and customizable strategies.

Dwana Baumann is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. She has been with LPL Financial since 2007. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Alexis Furr is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and bringing 19 years of industry experience. She has been associated with Linsco/Private Ledger since 2001. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a broad array of investment strategies and operational tools.

Annika Polanco is a financial advisor at LPL Financial with 13 years of industry experience. She holds the Series 66 designation and has been with LPL Financial since 2010. 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, supported by extensive operational and research tools.

Annette Handevidt is a Series 66 licensed financial advisor with LPL Financial in San Diego, CA, where she has worked since 2005. She has 19 years of industry experience. Outside of her advisory role, she works as an independent skin care consultant for Rodan & Fields. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of advisors, offering a range of investment strategies and financial planning solutions supported by advanced research and operational tools.

Nicholas Ng is a financial advisor with LPL Enterprise and holds a Series 66 designation. He has less than one year of industry experience. His prior work background includes roles at Carlsbad Tax, Tami J. Dunham, CPA, and Whipt Bakery. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment implementation typically follows model-driven portfolios developed by internal and third-party strategists, with a notable focus on financial planning, third-party asset manager access, and affiliated non-securities products and services.

Britt Stephens is a Series 66 licensed financial advisor with 16 years of industry experience, currently with LPL Financial since 2021. She has held roles at various insurance carriers, Employer Services Group, Lumena Financial Strategies, Inc., and Waddell & Reed Inc. Stephens operates a DBA related to her LPL business under Lumena Financial Strategies, Inc. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory solutions with extensive non-advisory financial activities.

Aaron Herrscher is a financial advisor at Fidelity with six years of industry experience. He has held positions at Financial Sense Wealth Management and Sage Stone Wealth Management prior to joining Fidelity. Herrscher holds Series 65 and Series 63 licenses. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios composed of mutual funds, ETFs, and ETPs.

Christy Siphonekham is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. She has been with LPL Financial since 2007. 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.

Darrel Madison is a CFP® professional with 27 years of experience in the financial industry. He has worked at Wells Fargo Clearing since 2016 and previously at Prudential Equity Group, LLC from 2000 to 2003. Madison is based in La Jolla, 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 offers both brokerage and advisory solutions.

William Corder is a financial advisor at Raymond James Financial with 20 years of industry experience. He previously worked at Manning Wealth Management, Inc. for 12 years and Commonwealth Financial Network for 15 years. He is also the Chief Operating Officer of The Manning Companies, a support company based in San Diego. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports its clients through various advisory programs and institutional consulting.

Michael Donaldson is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Co., Inc. since 2022, following an eight-year tenure at TD Ameritrade Inc. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships alongside discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Tyler Tong is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 12 years of industry experience. He has worked at LPL Financial since 2018 and has prior experience with firms including James Haug, Nina Peles Inc, East Village Tax, and Waddell & Reed. In addition to his advisory role, Tong is the owner of East Village Tax and serves as Quality Review Lead at Intuit in tax preparation and accounting. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and asset management services through a large network of advisers and employs various model portfolios, third-party subadvisors, and customized strategies.

David Levin is a CFP® professional with 14 years of industry experience, currently affiliated with Wells Fargo Clearing. He has held roles at Baker Tilly Wealth Management, DFPG Investments, Allegis Investment Services, Squar Milner Financial Services, and J.P. Morgan Securities. 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 vehicles and bank deposit sweep options among its investment offerings.

Dwayne Kitchen is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and 34 years of industry experience. He has been with Ameriprise and its related entities since 2010. Ameriprise Financial Services is a large advisory firm that serves both individual and institutional clients, offering specialized retirement income planning services focused on dependable income sources and tax-aware withdrawal strategies. The firm uses a centralized service team to support advisors, drawing on extensive investment research and proprietary tools within a defined investment universe.

Sara Crouch is a financial advisor at LPL Financial with 19 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including Redwood Credit Union, CUSO Financial Services, LP, and American Fidelity. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a range of investment strategies with both discretionary and non-discretionary account management.

Gary Smith is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 33 years of industry experience. He previously worked at Avantax Advisory Services and Avantax Investment Services for around 30 years. Outside of advising, he operates a tax preparation and accounting 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 provides a variety of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by advanced operational tools and a broad range of financial products.

Dianne Davis is a CFP® with 26 years of experience in the financial industry. She is currently with LPL Financial and has previously worked at Commonwealth Financial Network, Neuberger Berman BD LLC, Banc of America Investment Services, Inc., and Merrill. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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.