Estela Maria Carvalho Almeida is a financial advisor with Charles Schwab who holds a Series 66 designation. She has been in the industry since 2025 and previously worked at San Diego County Credit Union and Uber Eats. Based in La Jolla, CA, Almeida has experience in diverse fields including financial services and customer-focused roles. 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 mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized operational support.

Wenduo Guo is a financial advisor at Cambridge Investment Research Advisors with 13 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Cambridge in 2019, he worked at First Command Advisory Services, First Command Financial Planning, Inc., and First Command Insurance Services, Inc. Guo also operates as an independent insurance agent in San Diego. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, with a range of portfolio management options across multiple platforms and both discretionary and non-discretionary strategies.

Jean Vincent is a Series 66–licensed financial advisor with Morgan Stanley in Carlsbad, CA, and has 21 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm utilizes structured discovery processes and firm-approved tools in its planning, serving clients through both direct and corporate financial planning agreements.

Dustin Rief is a CFP® with 23 years of experience in the financial services industry. He has worked at UBS Financial Services since 2019 and was previously employed at Mercer Global Advisors Inc. from 2016 to 2019. Dustin is based in San Diego, CA, and holds the Series 65 and Series 63 licenses. 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, leveraging proprietary research and model-based asset allocations to tailor strategies to client goals.

Brian Duckworth is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. He previously worked at TIAA-CREF from 2016 to 2020. Outside of his advisory role, he is involved as a trustee for personal and family trusts. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering a range of financial planning and brokerage services. The firm is dual-registered as an SEC investment adviser and broker-dealer and collaborates with third-party asset managers and sponsors to deliver advisory and brokerage solutions.

Krista Goryl is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing and its predecessor entities since 2010. Outside of her advisory role, she is a 50% owner of Secrets of Superwomen, LLC, a sports company based in Del Mar, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven advisory process incorporates a broad range of investment products, including insurance-related vehicles and bank deposit sweep options.

Karen Lacey is a financial advisor with Merrill in Carlsbad, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith since 2000. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Jon Vance is a financial advisor at Raymond James & Associates with 16 years of industry experience. He has worked with Raymond James since 2017 and previously spent three years at RBC Capital Markets. Outside of his advisory role, he serves as a trustee for Vance IRA, a family trust he co-manages with his wife. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a wide range of clients, including individuals, institutions, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing diverse portfolio management styles and an extensive affiliate network.

Caden Kelley is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. He has worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank NA since 2021, with prior roles at Bank of America NA and Merrill. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that integrates quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan organization, offering access to a wide range of products through its institutional consulting services.

Alexander Voils is a financial advisor with Raymond James & Associates in San Diego, CA, holding Series 63 and Series 66 licenses and 18 years of industry experience. His prior roles include nine years with Wells Fargo Clearing and one year with Wells Fargo Advisors, LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.

Gregory Overland is a financial advisor with Ameriprise in Solana Beach, CA, holding a Series 63 designation and 40 years of industry experience. He has been with Ameriprise and its related entities since 2005. Outside of his advisory role, he has involvement in multi-family real estate ownership in Panama City, Panama, and Cartagena, Colombia. Ameriprise offers a retirement-income planning service targeted at individuals approaching or in retirement who meet certain asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis with algorithmic tools overseen by a dedicated team to deliver tailored retirement income advice.

Chris Jalonen is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Sagepoint Financial, Inc. for 14 years. He also sells life and health insurance on a limited basis, primarily to existing clients. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a large network of affiliated advisers. The firm offers a range of brokerage and advisory services with integrated portfolio management tools and access to third-party money managers.

Mitchell Severe is a financial advisor with LPL Financial based in San Diego, CA. He holds the Series 66 designation and has been with LPL Financial since 2024. Prior to his current role, he has experience in various industries including education and the cannabis sector. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management supported by research and diversified investment strategies.

Zachary Tapia is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and three years of industry experience. His prior work includes roles at Farmstead, DoorDash, and Milliman, among others. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Harvey Frank is a financial advisor at Stifel with 35 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2015. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach incorporates proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Marci Mauro is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and six years of industry experience. She has worked at Wells Fargo and its affiliates since 2017 and previously at Pacific Southwest Realty Services. Outside of her advisory role, she coaches a functional interval training program at Bay Club Carmel Valley. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment menus.

Michael Heidtbrink is a financial advisor with Thrivent Investment Management in Santee, CA, holding Series 63 and Series 66 licenses and 35 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory work, he serves as a lay minister at Atonement Lutheran Church, assisting with monthly communion services and participating in church board meetings. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based analyses and written recommendations across a broad range of financial planning topics. The firm offers these services through a network of advisors but does not provide discretionary trading authority or institutional portfolio management.

Ryan Chavez is a CFP® certificant with nine years of industry experience. He is currently with Wells Fargo Clearing Services and has been affiliated with Wells Fargo Bank since 2008. Based in San Diego, CA, he holds multiple securities licenses including Series 63, 65, and 66. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Amber Hepler is a financial advisor at OSAIC with three years of industry experience. She holds a Series 66 designation and has previously worked at The Vanguard Group, Inc. She is also involved in tax preparation activities through a tax associate role with an affiliated DBA firm. Osaic Wealth, Inc. serves a diverse client base including individual and institutional investors, offering integrated brokerage and advisory services supported by firm-provided tools and multiple advisory platforms.

Scott Kramling is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at California Credit Union, CUSO Financial Services, Bank of America, Merrill, John Hancock Financial Network, and the American Red Cross. Ameriprise provides a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized recommendation reports through a centralized consulting team.