Adam Jacobs is a financial professional with Cetera and holds a Series 66 designation. He has four years of industry experience, including roles at Cetera Wealth Services and North Star Resource Group. Jacobs also has involvement offering fixed insurance and group benefits through North Star Consultants and Brokerage Group. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with over 10,000 advisors nationwide.

Diana Hoogendoorn is a financial advisor at Osaic with 17 years of industry experience. She holds a Series 66 designation and previously worked for Lincoln Financial Advisors Corporation for 18 years. Outside of her advisory role, she is involved in managing a real estate rental business. Osaic Wealth, Inc. serves a broad client base including individual and institutional investors by providing integrated brokerage and advisory services, financial planning, retirement consulting, and access to multiple investment platforms. The firm employs asset-allocation tools and offers portfolios with a range of investment vehicles, supporting both discretionary and non-discretionary account management.

Evan Gaspar is a financial advisor at Fidelity with Series 65 and Series 63 licenses and three years of industry experience. His prior work includes roles at Torrey Holistics Inc., Ridgewells Catering, Shack Bar & Grill, and military service in the United States Marine Corps. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and portfolio management. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is notable for its registration as a commodity pool operator and formal advisory roles to multiple registered investment companies.

Dax Fletcher is a Series 66-licensed financial advisor with Morgan Stanley in La Jolla, CA, bringing 24 years of industry experience. He has been with Morgan Stanley and its affiliates since 2009, including his current role at Morgan Stanley Private Bank since 2015. Outside of his advisory work, he is a sole proprietor of a real estate rental business in Carlsbad, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that incorporate firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Ryan Green is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds a Series 66 designation and has been with UBS since 2013. Outside of his advisory role, he is also a commissioned Notary Public in San Diego, California. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Brian Young is a Series 66-credentialed financial advisor with 17 years of industry experience. He has been with UBS Financial Services Inc. in San Diego, CA, since 2013. UBS Financial Services Inc. 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 and uses proprietary research and model-based asset allocations to tailor client plans.

Kurt Spackman is a CFP® professional with 13 years of experience in the financial industry. He currently works with LPL Financial and has previously been associated with Securities America Advisors, Securities America, Capital Resource Management, and National Planning Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, utilizing various investment strategies and technology tools, and supports a large network of over 22,800 advisors.

Douglas Kincart is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 27 years of industry experience. He has worked at UBS since 2010. Outside of his advisory role, he serves as a trustee assisting with real estate decisions for a family trust. 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 integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

David Reiss is a financial advisor with Wells Fargo Clearing in La Jolla, CA, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services 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 products and bank deposit sweep options among its investment offerings.

Jonathan Bobolia is a financial advisor with OSAIC, holding a Series 63 designation and bringing 46 years of industry experience. He previously worked at FSC Securities Corporation for 28 years before joining OSAIC in 2023. Outside of his advisory role, he rents a room to foreign exchange students. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing various tools and third-party solutions to construct and manage portfolios across a broad asset spectrum.

Anne Fiato is a financial advisor at RBC Capital Markets with 36 years of industry experience. She has held her current position since 2008. Fiato holds Series 63 and Series 65 designations and is based in La Jolla, California. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Andrew Rose is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He collaborates with individuals and families to develop personalized wealth plans aimed at helping clients achieve their own definitions of financial success. Andrew has been with Fidelity Investments since 2015, progressing through various positions including Financial Consultant, Investment Consultant, Private Client Group Relationship Manager, International Trader, and High Net Worth Representative. His experience encompasses investment consulting and relationship management within diverse client segments. He holds a California Insurance License. Outside of his professional work, Andrew has interests in food, football, hiking, and traveling.

Wyatt Montague is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and four years of industry experience. He has been with Equitable Advisors since 2021. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs through a broad network of Investment Adviser Representatives.

Garrett Merrill is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has worked at multiple Cetera entities since 2020 and previously spent eight years with First Allied Advisory Services. Outside of his advisory role, Merrill serves as an elder at Christ Presbyterian Church and is the committee chair for Boy Scout Troop 709. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining affiliated and third-party managers to provide tailored investment solutions.

Christopher Radici is a financial advisor with UBS Financial Services in La Jolla, CA, holding Series 63 and Series 65 designations and 28 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, Radici is a proprietor of a real estate business in Mesa, AZ. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining wealth management with institutional trading capabilities and offering a range of financial planning and portfolio management solutions.

Heather Nicholas is a financial advisor with Raymond James Financial in San Diego, CA, holding Series 63 and Series 66 licenses and 25 years of industry experience. She has worked at firms including Manning Wealth Management, Commonwealth Financial Network, and OneAmerica Securities. Nicholas also engages in fixed insurance sales as part of her financial planning services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and corporations. The firm provides tailored, non-discretionary planning and consulting using analytical tools and supports advisory programs with a notable municipal advisor affiliation.

Kharli Brockmeier is a financial advisor at Fidelity with Series 63 and Series 65 credentials and four years of industry experience. Prior to joining Fidelity, Kharli worked at the University of New Mexico for seven years. Outside of advising, Kharli operates an Etsy shop selling jellyfish umbrellas and serves as communications lead for Collaborative Women in Investment Management, producing their weekly and monthly newsletters. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, using a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios composed of mutual funds, ETFs, and ETPs.

Omar Sakr is a Series 66 licensed advisor at J.P. Morgan Securities with six years of industry experience. He has worked at J.P. Morgan Securities LLC since 2020 and has been associated with JPMorgan Chase Bank, N.A. since 2017. Prior to his finance career, he worked at Macy's for one year. 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. The firm incorporates an ESG eligibility framework in its investment recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Gregory Hakim is a financial advisor affiliated with LPL Financial in San Diego, CA, holding a Series 66 designation with 25 years of industry experience. His prior work includes 21 years at Ameriprise Financial Services in various roles 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 through a broad network of advisers. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Kyle Uthe is a CFP®-certified financial advisor with 15 years of industry experience, currently affiliated with Morgan Stanley in La Jolla, CA. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2019, following four years at UBS Financial Services. Uthe is involved with the Monarch School of San Diego outside of his advisory role. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm employs a structured planning process and utilizes various modeling tools to assist clients, managing approximately $2.74 trillion in client assets.