Mykala Rubey is a financial advisor at LPL Financial with three years of industry experience. She holds the ChFC® and Series 66 designations. Prior to joining LPL Financial in 2022, she worked at ExamWorks, LLC and has experience in positions outside the financial industry. Outside of advising, she is involved as a volleyball coach for several San Diego school districts and holds credentials as a notary public. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining broad advisory services with non-advisory financial activities and oversight of over $819 billion in discretionary assets.

William Bauerle is a financial advisor with Edward Jones in Poway, CA, holding a Series 66 designation and nine years of industry experience. Prior to joining Edward Jones in 2017, he served in the United States Navy for 20 years. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and supports clients through a large network of financial advisors and branch offices nationwide.

Cynthia Ruvalcaba is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. Her career includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Investments, LLC, spanning 15 years prior to joining Morgan Stanley in 2019. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and proprietary tools, emphasizing advisory services without individual security recommendations in standalone plans.

Rafael Gutierrez Balderrabano is a financial advisor at Morgan Stanley with 16 years of industry experience. He has been with Morgan Stanley since 2016 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Monte Carlo simulations to support its services.

Janean Stripe is a CFP® professional with 37 years of industry experience, currently advising at LPL Financial since 2020. Her prior roles include positions at Lucia Securities, LLC, RJL Wealth Management, LLC, and Raymond J. Lucia Companies, Inc. She is also involved as an insurance agent with Westland Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, providing a range of discretionary and non-discretionary investment strategies supported by technology and extensive non-advisory financial services.

Lori Lenhof is a financial advisor with Stifel in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2015. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach incorporates proprietary analysis and probabilistic modeling developed by its Investment Strategy Group to support asset allocation and financial planning.

Jay Mahajan is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. His career has been primarily with Wells Fargo-related entities since 2011. Outside of his advisory role, he serves as Chair of the Endowment Committee at Catlin Gabel School, participating in investment oversight and collaboration with school administration on investment policy and portfolio management. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad planning menu, including specialized services such as business-owner transition and special-needs planning, supported by Wells Fargo research and planning tools.

Michael Rundlett is a CFP®-certified financial advisor with 35 years of industry experience, currently affiliated with LPL Financial since 1993. He provides small business consulting services outside of his advisory role. 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 asset management solutions, employing both proprietary and third-party strategies across discretionary and non-discretionary platforms.

Victor Guzman Lopez is a financial advisor with UBS Financial Services, holding a Series 66 designation and three years of industry experience. He previously worked at Citi Banamex for a total of ten years before joining UBS in 2023. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a variety of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and multiple capital markets operations.

Christina Gustin is a financial advisor with UBS Financial Services in San Diego, holding a Series 66 designation and 20 years of industry experience. She has been with UBS since 2011. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Judith Seaver is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 63 designation and 39 years of industry experience. She has been with UBS since 1987. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary capital market assumptions and research-driven strategies. The firm combines institutional trading capabilities with wealth management services, offering a broad range of products including fee-based financial planning, portfolio management, and underwriting.

Maria Gallardo Gower is a financial advisor with Charles Schwab, holding a Series 66 designation and 13 years of industry experience. She has worked at Charles Schwab and Co., Inc. since 2022 and previously spent 11 years at TDAmeritrade Inc. in advisory 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 combination of non-discretionary and discretionary investment management, using multi-asset model portfolios and a centralized operational structure.

Austin Moreira is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial in 2020, he worked in business activities including roles at Las Flores Car Wash and Warmington Properties, Inc., and was affiliated with The Ohio State University from 2016 to 2020. 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 investment options and utilizes research, technology, and multiple platforms to support its network of more than 22,800 advisors.

Brianna Jacobs is a financial advisor with LPL Financial in San Diego, CA. She holds the Series 66 designation and has been with LPL since 2026. Prior to her current role, Brianna has experience in education, including positions at San Diego State University and Santa Barbara City College, as well as work in the restaurant industry. 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, incorporating model portfolios, third-party asset management, and institutional platforms.

Harryson Franz is a Financial Consultant at Fidelity Investments, a position he has held since 2023. In this role, he partners with clients to understand their unique financial situations, identify areas of strength and opportunity, and assist in implementing plans and strategies aimed at achieving their vision of success. Harryson has accumulated extensive experience in the financial services industry, with roles at Fidelity Investments since 2020, including Investment Consultant and Relationship Manager. Prior to this, he worked as a Private Client Banker at JPMorgan Chase from 2016 to 2020, and held positions at US Bank and Wells Fargo earlier in his career. He holds a California Insurance License.

Alex Lutz is a financial advisor with Raymond James Financial Services Advisors, Inc. holding a Series 66 designation and four years of industry experience. His prior roles include positions at Edward Jones and Citibank. Additionally, he serves as a trustee for a family living trust. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning and uses analytical tools to tailor recommendations, supporting implementation through various advisory programs.

Daniel Guadarrama is a financial advisor with Charles Schwab, holding a Series 66 designation and 16 years of industry experience. He previously worked at TD Ameritrade for 12 years before joining Charles Schwab. Outside of his advisory role, he is involved in managing a rental property. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management with centralized custody and operational support.

Raymond Fagalde is a financial advisor with Raymond James Financial in San Diego, CA, holding a Series 66 designation. He has one year of industry experience and has held roles at The Manning Companies and Raymond James Financial Services, Inc. Prior to his advisory career, he worked in various positions including at Robert Half and Saint Mary's College of California. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports advisory programs while maintaining specialized services in municipal and public finance.

Kaitlyn Cruse is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her career with Merrill in 2008 in Boston, working with ultra-high net worth individuals on various financial matters, including cash management and investment manager due diligence. Since moving to San Diego in 2016, she partners with clients and their advisors to create wealth plans tailored to their needs and goals, incorporating disciplined investment strategies and collaborating with estate and tax professionals. Kaitlyn holds several professional designations including Certified Investment Management Analyst®, Certified Plan Fiduciary Advisor®, and Retirement Accredited Financial Advisor. She earned a Bachelor of Science in Business Administration from Bryant University, with a focus on Financial Services and a minor in Communications. Additionally, she holds licenses and registrations such as the California Life, Accident & Health license and FINRA Series 7, 63, 65, and 66. Outside of her professional role, Kaitlyn resides in Carlsbad, California with her husband and two children. She enjoys activities such as cooking, golfing, skiing, and spending time with family. Kaitlyn has been actively involved in professional organizations including the Merrill Women's Exchange in both Boston and San Diego chapters, and Merrill’s Military Support & Assistance Group in San Diego.

Derek Wright is a Financial Consultant at Fidelity Investments, a role he has held since 2021. He provides guidance and personalized financial planning services to help clients work towards their life goals, collaborating with his team to tailor strategies that adapt to clients' changing needs. Prior to his current position, Derek held several roles at Fidelity Investments, including Investment Consultant from 2019 to 2021 and Financial Representative in 2019. Before joining Fidelity, he was a Relationship Manager at Bank of America from 2018 to 2019 and an Account Manager at ViewRidge Funding from 2017 to 2018. Derek holds a California Insurance License. Outside of his professional work, Derek has interests in food, outdoor adventures, snowboarding, traveling, and pets.