Tracey Davis is a financial advisor at Ameriprise with 39 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Ameriprise and its affiliate since 2014. Davis serves on the Eller Alumni Advisory Council, which supports the University of Arizona's business college. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

James Atwood is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at Merrill and LPL Financial. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, supported by a nationwide network of over 10,000 advisors.

Julian Bartolomei is a financial advisor with J.P. Morgan Securities in La Jolla, CA, holding Series 63 and Series 66 licenses and having 14 years of industry experience. He has been with J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Cynthia Cairo is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 license and 29 years of industry experience. Prior to joining LPL Financial in 2022, she worked at Securities America Advisors and Securities America Inc from 2017 to 2021, and at National Planning Corporation from 2009 to 2017. Outside of her advisory work, she owns Studio Fusion, a dance and fitness studio. 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, and institutional platforms.

Dirk Harris is a CFP®-certified financial advisor with 18 years of industry experience. He is currently with RBC Capital Markets and previously worked at Bank of America, Merrill, and other firms. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through in-house and third-party managers.

Arland Kelly is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has worked at LPL Financial since 2024 and previously spent eight years with SCF Investment Advisors and SCF Securities. Kelly also operates Kelly Financial, a business he has managed since 2005, and is licensed as a non-variable insurance agent. 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 range of financial planning and investment management solutions, utilizing various model portfolios and third-party strategies, with support from advanced operational and research tools.

Amy Palmer is a financial advisor at Edward Jones with 18 years of industry experience. She holds a Series 66 designation and has prior experience at Essential Edge Compliance Outsourcing, Independent Financial Group, M Holdings Securities, and Commonwealth Financial Network. Edward Jones is a full-service wealth management firm serving more than 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 options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Teresa Garrett is a financial advisor with LPL Financial based in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. She previously worked for CUSO Financial Services, L.P. for 12 years before joining LPL Financial in 2025. Outside of her advisory role, she is a partner in Leatherback Supply Company, a retail and wholesale business where she assists with direct sales and marketing on weekends. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services delivered through a large network of investment adviser representatives using a variety of investment strategies.

Daniel Proctor is a financial advisor at LPL Enterprise with 18 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2018, following a 15-year tenure at Cuso Financial Services, LP. 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 employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated financial products and services.

Walaiporn Adzema is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and over 20 years at Wells Fargo Bank NA. 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 advisory services. 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 in its investment offerings.

Dylan Devin is a financial advisor at Cetera with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2019. Prior to that, he was with Foresters Financial Services and has experience with MGM Resorts International and Aztec Shops. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining discretionary and non-discretionary services across various program structures.

Michael Hayes is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He previously worked at Girard Securities before joining Cetera Wealth Services in 2017, continuing with Cetera since 2023. Outside of advising, he is involved in fixed insurance sales and owns businesses in real estate and financial services. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory 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, supporting diverse investment strategies and programs.

Phoebe Huynh is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2023, she worked at Target for six years and was affiliated with UC San Diego for three years. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and operational resources.

Stephen Corbett is a financial advisor with Cetera, holding a Series 66 designation and 21 years of industry experience. His career includes roles at several Cetera entities since 2016, as well as prior experience with Girard Securities, Inc. and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered adviser serving a nationwide network of independent advisors and a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Claryann Olofsson Loo is a financial advisor with LPL Financial, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2019, she worked at Patterson Dental Supply from 2017 to 2019 and was involved with Vela Nuoto Ancona and Club Natacion Boadilla in 2016. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers financial planning, model portfolio programs, third-party asset management, and institutional platforms to individuals, retirement plan participants, banks, and trust companies. The firm supports a large network of investment adviser representatives through a combination of proprietary research, third-party strategies, and operational technology.

Darren Pfefferman is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, and previously at Citigroup Global Markets from 1994 to 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial planning services.

Sierra Gibson is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and three years of industry experience. She has worked at MML Investor Services LLC and MassMutual/Pacific Coast since 2019 and previously was employed at Primerica. Outside of advisory work, she serves as Chief Operating Officer of Troyo Mercedes Inc, a business consulting and operations management firm. Mass Mutual Investors Services is an SEC-registered broker-dealer and investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers ongoing, collaborative financial planning using firm-approved tools, with implementation of recommendations as optional and requiring separate arrangements.

Nicholas Cruz is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Goldman Sachs and Bank of America Merrill Lynch. 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.

Keri Kirchner is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 66 licenses and having nine years of industry experience. She has been with Ameriprise and its affiliate since 2016. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to produce written recommendation reports. The firm provides a wide range of advisory, brokerage, and insurance solutions through its affiliated entities.

Terry Lecompte is a financial advisor at Primerica Advisors with three years of industry experience. He holds Series 63 and Series 65 licenses. Prior to his current role, he worked at Transamerica Financial Advisors and World Financial Group, Inc., and has extensive experience as a self-employed professional. He is involved in sales of investment-related products and occasionally refers clients to home security and automation services through affiliated companies. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm utilizes model-delivery strategies from third-party asset managers and offers various investment approaches supported by BNY Mellon Advisors and Pershing.