Richard Olson is a CFP®-certified financial advisor with 17 years of industry experience, currently practicing at LPL Financial in San Diego, CA. He previously worked at Integrity Alliance, LLC, H. Beck, Inc., and Next Financial Group, Inc. Olson is also involved as an independent insurance agent, focusing on fixed insurance products. 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, third-party asset management, and institutional platforms, supported by extensive operational tools and a broad network of over 22,800 advisors.

Nigeena Rahmanzai is a financial advisor with Charles Schwab based in San Diego, CA. She holds the Series 63 and Series 66 designations and has six years of industry experience. Her prior roles include positions at TD Ameritrade and Lexis Nexis. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering bundled advisory, brokerage, and custodial services with both non-discretionary and discretionary investment options.

Jose Ramos is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2008. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement who meet certain asset thresholds, providing detailed, tax-smart withdrawal and Social Security claiming recommendations. The firm combines research, modeling, and algorithmic tools to generate personalized plans delivered through a centralized consulting team.

John Ellis is a CFP® professional with 18 years of industry experience, currently serving as an advisor at LPL Financial since 2018. His prior experience includes roles at Lucia Securities, LLC, RJL Wealth Management, LLC, and Raymond J. Lucia Companies, Inc. based in San Diego, CA. Outside of his advisory work, he operates Ellis Financial Group, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of financial planning and advisory services through a large network of representatives. The firm serves individuals, retirement plans, banks, and institutions with diverse investment strategies and integrated financial solutions.

Kha Hoang is a financial advisor at LPL Financial with 10 years of industry experience and holds a Series 66 designation. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Edward Jones. He has a side involvement in real estate rental activities in Lakeside, California. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides financial planning, portfolio management, and institutional platforms to individuals, retirement plans, banks, and trust companies. The firm supports advisors with research, third-party subadvisors, and technological tools while offering an array of non-advisory financial services.

Debora Meskell is a financial advisor at Edward Jones with 14 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2012. Outside of her advisory role, she is a signatory for a real estate holding company involved in building a new office. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a large nationwide network of advisors and branch offices, offering a range of advisory and investment solutions under a fiduciary standard.

Laura Pomeroy is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been in the financial services industry since 1998 and joined Merrill Lynch in 2006. Laura specializes in retirement planning, focusing on creating financial strategies for high-net-worth individuals, their families, and businesses to help them achieve both short- and long-term financial goals. Her approach to wealth management is consultative, involving thorough review of client financial situations, preferences, and objectives; providing tailored asset allocation recommendations; and conducting ongoing discussions on investments, retirement planning, estate services, and philanthropy as appropriate. Laura holds the Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and CERTIFIED FINANCIAL PLANNER (CFP) designations, along with Series 7 and 66 FINRA registrations. She earned a Bachelor of Science degree in History from Brigham Young University. Laura lives in San Diego with her husband, Tim, and their three children. In her personal time, she enjoys cooking, playing pickleball, reading, and spending time with her family.

Daniel Lee is a financial advisor at LPL Financial with 26 years of industry experience. He has held positions at Western International Securities, Financial West Group, and Torrey Pines Securities prior to joining LPL Financial in 2025. Lee holds Series 63 and 65 licenses and also operates DCL Financial Services, Inc., an investment-related business entity. 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 provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Michael Bradshaw is a financial advisor at Raymond James & Associates with 52 years of industry experience. He previously worked at Merrill for 45 years and Bank of America for 12 years. Bradshaw holds Series 63 and Series 65 licenses and is based in San Diego, CA. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Andrew Roybal is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 30 years of industry experience. He worked at Uboc Investment Services, Inc. for 24 years before joining LPL Financial in 2020. 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 and model portfolio programs, utilizing both proprietary research and third-party subadvisors.

Thomas Wyckoff is a CFP® and CFA® credentialed financial advisor with 16 years of industry experience. He is currently with LPL Financial, where he has worked since 2020. Prior to this, he held roles at Validus Growth Investors, Pinhook Capital, Lucia Securities, and Lucia Capital Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing 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 through a large network of advisers, utilizing various portfolio strategies and technology tools.

Paul Curnutte is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at LPL Financial since 2007 and previously spent seven years at Merrill. Outside of his advisory role, he is a member and business owner of Townes & Co, a non-investment-related home-based venture. 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 and third-party asset management, supported by a large network of investment adviser representatives.

Andrew Null is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity Investments since 2013, progressing through various roles including Financial Consultant, Investment Consultant, Investment Solutions Representative, and Service Trader. Throughout his career, Andrew has focused on assisting clients in achieving their financial goals while helping them avoid common pitfalls. He holds a California Insurance License, which supports his work in providing comprehensive financial advice. Andrew is committed to building trust and confidence with his clients as he guides them through their financial planning journeys.

Mazen Abifaker is currently serving as a Vice President Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2022. In this capacity, he collaborates with multi-generational families to co-create personalized wealth plans aimed at growing, preserving, and transferring their wealth. Mazen has been with Fidelity Investments since 2010, progressing through various roles including Financial Consultant and Investment Consultant, which has provided him with extensive experience in financial advisory and wealth management. Prior to joining Fidelity, he worked as a Bank Teller at Wells Fargo Bank from 2009 to 2010. He holds a California Insurance License, underlining his professional qualifications in the financial services sector.

Ronnie Sanchez is a financial advisor at LPL Financial with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Lucia Securities, LLC and RJL Wealth Management, LLC. 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 advisory services including financial planning, model portfolios, and institutional platforms, supporting advisors with research and operational tools.

Murray Hougen is a financial advisor with LPL Financial in San Diego, CA, holding the CFP® and ChFC® designations and over 20 years of industry experience. His prior roles include positions at Waddell & Reed, Inc. and various insurance carriers. He also serves as co-trustee of the Murray & Elizabeth Hougen Family Trust. 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 portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Danielle Vigneault is a financial advisor with LPL Financial, holding a Series 66 designation and nine years of industry experience. She has worked at Ameriprise Financial Services and Merrill prior to joining LPL. 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. The firm offers various investment solutions including financial planning, model portfolio programs, and institutional platforms, supporting its network of over 22,800 advisors.

Tyler Webb is a Series 66-licensed financial advisor with seven years of industry experience, currently with UBS Financial Services in San Diego, CA. His prior experience includes roles at Lucia Capital Group and involvement in Webb Construction. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

John Corotis is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation. He has experience working at Edward Jones since 2026, following prior roles at Checkbook Inc. and Jumper Media. 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 under management and offers a wide range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Stephen Seidel is a financial advisor at Morgan Stanley with a Series 66 credential and seven years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following a three-year tenure at American Funds Distributors. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools but does not include individual security recommendations as part of standalone planning services.