Kyle Schmidt is a Financial Consultant at Fidelity Investments, where he assists clients in constructing customized financial plans tailored to their individual financial goals. He focuses on creating trusted relationships to help clients navigate everyday financial challenges and make sound investment decisions. Kyle has held several roles in the financial industry, including positions at Fidelity Investments and Natixis Investment Managers, LLC. His experience spans from investment consulting to regional directorship, reflecting a depth of knowledge in financial planning and investment management. He holds a California Insurance License. Outside of his professional work, Kyle enjoys activities such as the beach, concerts, fitness, social events, golf, and traveling.

Masha Efros is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 credential and 16 years of industry experience. She previously worked at UBS Financial Services before joining Morgan Stanley in 2017. Outside of her advisory role, she serves as Treasurer and Finance Committee Board Member for the San Diego Cooperative Preschool. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and delivers services through financial advisors and specialized planning groups.

Michelle Hollaender is a financial advisor with UBS Financial Services in La Jolla, CA, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. Her career includes over a decade at UBS and a prior role at Merrill. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, leveraging 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.

Michael Faltico is a CFP® professional with 22 years of industry experience, currently serving at Cetera since 2021. His prior experience includes roles at Voya Financial Advisors and LifePro Financial Services. He is also treasurer of the Point Loma High School Boys Basketball Booster Board. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary options.

Christopher Cohn is a CFP®-designated financial advisor with Ameriprise Financial Services, based in San Diego, CA, and has 20 years of industry experience. His prior roles include positions at Wells Fargo Clearing and UBS Financial Services. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Steven Ford is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in offering a comprehensive approach to managing wealth that begins with understanding a client's financial situation and priorities. Steven helps clients create customized wealth management strategies that are adaptable to changing needs and market conditions. He provides access to Merrill's investment insights as well as Bank of America's banking and lending services to support various aspects of clients' financial lives. Steven has over ten years of experience at Merrill Lynch following a career as an IMAX cameraman. During this time, he has developed expertise in serving endowments, foundations, and non-profits; legacy planning; managing new wealth; portfolio management; tax minimization; and retirement income. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from San Francisco State University. Outside of his professional work, Steven is active in community organizations, including the Solana Beach Little League and Solana Beach Soccer Club. He has also been involved as a coach and board member in youth sports. His personal interests include surfing, mountain biking, tennis, chess, fishing, golfing, hiking, music, photography, skiing, swimming, and spending time with his family.

Gina Scafani is a financial advisor at LPL Enterprise with a Series 66 designation and two years of industry experience. Prior to joining LPL Enterprise, she was associated with The Prudential Insurance Company of America and Pruco Securities LLC. Outside of financial services, she teaches yoga classes and supports new instructors at CorePower Yoga, a role she has held since 2013. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists, and it offers financial planning, access to third-party asset managers, and participation in wrap programs.

Jennifer Mauldin is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. She has worked at LPL Financial since 2011 with a one-year period at First Allied Securities. Based in San Diego, CA, she has spent the majority of her career within the LPL network. 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 research and technology tools for investment management.

Miles Fleming is a financial advisor at LPL Financial with 11 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2021. Prior to joining LPL, he was involved with various organizations including the Rotary Club of Del Mar and the San Diego Council on Aging. 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, third-party asset management, and institutional platforms.

Kevin Christensen is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and over 15 years of industry experience. He previously worked at Overland & Shanahan from 2016 to 2020 and has been with LPL Financial since 2008. Outside of his advisory role, Christensen is involved with Align Planning LLC, a business entity used 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 provides a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools and a large network of investment adviser representatives.

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.