Luis Ayala Bautista is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and three years of industry experience. His prior work includes roles at Primerica Financial Services, Landscape, and Honeycutt Farms. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Giang Tran is a financial advisor at LPL Financial with 21 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at firms including Cetera, Wells Fargo Advisors, and Chase Investment Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage solutions, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Levi Cass is a financial advisor at LPL Financial with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Ameritas Advisory Services, Ameritas Investment Corp, and Securities America. 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 portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and a large network of over 22,800 advisors.

Douglas Karney is a financial advisor at Equitable Advisors with 31 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Karney holds the Series 63 and Series 65 licenses. He is also a trustee of a personal family trust shared with his spouse. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, offering financial planning, retirement plan consulting, and various asset-management programs. The firm’s approach includes matching clients to program models or discretionary managers, often utilizing third-party asset managers and LPL-sponsored advisory programs.

Matthew Ryan is a Series 66 licensed financial advisor with UBS Financial Services in San Diego, CA. He has six years of experience at UBS and four years of prior experience at Arizona State University. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based 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 plans according to clients’ goals and risk tolerances.

Christopher Brown is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and five years of industry experience. He has worked at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017, and previously at Difference Financial. Outside of his advisory role, he is a co-owner of a family rental property business. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients through managed account programs, third-party manager selection, discretionary portfolio management, and brokerage execution. The firm emphasizes managed accounts and manager-selection capabilities, supported by integration with Bank of America affiliates and a range of tax-efficient investment services.

Arun Rajaram is a financial advisor with LPL Enterprise holding Series 63 and Series 66 licenses and eight years of industry experience. His career includes roles at The Prudential Insurance Company of America, Merrill Lynch, and various financial services and risk management firms. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm primarily employs model-driven investment strategies and offers access to third-party asset managers, financial planning, and a range of affiliated insurance and trust services.

Jesse Aragon is a financial advisor with LPL Financial in La Jolla, CA, holding a Series 66 designation and three years of industry experience. He has also worked in accounting and tax preparation through his role at Chakarian & Associates, CPAs, Inc., which he has been involved with for over 20 years. Outside of advisory work, Aragon is engaged in tax preparation and accounting services as a CPA and operates a golf-related sole proprietorship. 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, supported by a large network of investment adviser representatives.

Kevin Kirlin is a financial advisor at Charles Schwab with three years of industry experience and a Series 66 designation. His prior work includes roles at Morgan Stanley and Virginia Tech. He has also held seasonal positions with various beach patrol organizations. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 both non-discretionary and discretionary investment solutions supported by a multi-asset portfolio approach and centralized operational infrastructure.

Dominic Bruno is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and six years of industry experience. He has worked at several related firms, including First Republic Bank and First Republic Investment Management Inc., before joining J.P. Morgan in 2023. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Randy Pickering is a financial advisor at LPL Financial with 42 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at ProEquities, Inc. for 17 years. He is also president of Pickering Insurance Services, an insurance agency specializing in health and life insurance. 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 and model portfolio programs, and supports its network of over 22,800 advisors with a variety of investment platforms and operational tools.

Terrence Woo is a financial advisor at LPL Financial with 12 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial in various capacities since 2014. Outside of his advisory role, he is involved with LDGN UNLTD, LLC, a non-investment-related business based in San Diego, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of investment solutions including financial planning, wrap and model portfolio programs, and institutional platforms, supported by various technology and research tools.

Athena Plencner is a Series 66 licensed financial advisor with LPL Financial in San Diego, CA, where she has worked since 2004. She has 20 years of industry experience. Outside of her advisory work, she teaches rock climbing through a company called Wilderness Outings on weekends and is an author. LPL Financial is a nationally recognized broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning and access to third-party asset management, utilizing both discretionary and non-discretionary strategies supported by advisor-facing technology.

Shafik Tadros is a financial advisor with LPL Financial in San Diego, CA. He holds the Series 66 designation and has 17 years of industry experience, including prior work at Morgan Stanley & Co. LLC. Tadros has been with LPL Financial since 2010. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment programs, supported by a large network of advisors and various technology tools.

Christopher Carter is a financial advisor at LPL Financial with 12 years of industry experience. His prior roles include positions at J.P. Morgan Securities and Redwood Credit Union. Outside of his advisory work, he operates as an Airbnb host. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives.

Thomas Garretson is a financial advisor at RBC Capital Markets with 12 years of industry experience. He holds a Series 66 credential and has been with RBC Capital Markets since 2013. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, with investment strategies tailored to clients’ risk profiles.

Flavio Castillo is a financial advisor at Edward Jones in San Diego, CA, with six years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory role, Castillo owns and operates Castle Endeavors, LLC, a cleaning company based in Chula Vista, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Patrick Howard is a financial advisor with LPL Financial in El Cajon, CA, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial in 2023, he worked at Avantax Investment Services and Avantax Advisory Services from 2019 to 2023, and earlier at 1st Global Advisors and 1st Global Capital in 2018 and 2019. Howard also has a longstanding career in accounting as a CPA at Wade, Howard & Associates, CPAs LLP since 2006 and is involved in operating a tax and accounting firm in Austin, TX. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, and institutional platforms, with advice delivered primarily by investment adviser representatives using a variety of investment strategies and tools.

Heather Broderick is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and possessing 22 years of industry experience. She has been with LPL Financial since 2013 and previously worked at Foresters Equity Services, Inc. from 2008 to 2013. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and extensive operational resources.

Steven Talia is a Series 66-licensed financial advisor with Morgan Stanley, based in San Diego, CA, and has 15 years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank for 11 years before joining Morgan Stanley in 2023. Outside of his advisory role, he is involved with several private business ventures in real estate and technology through his positions with SRT REAL ESTATE LLC, 3T Brothers, LLC, and SRT FAMILY HOLDINGS LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and utilizing firm‑approved tools for modeling potential outcomes. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.