Andrew Ferrette is a CFP® and holds a Series 63 license with 12 years of industry experience. He currently works at Creative Planning, where he has been since 2021. His prior roles include positions at Reilly Financial Advisors and Calton & Associates. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to individuals—including high-net-worth and ultra-affluent clients—as well as pension plans, trusts, foundations, and corporations. The firm employs a financial-planning-led investment approach that incorporates low-cost indexing, buy-and-hold strategies, and selective private market exposure, managing approximately $295.6 billion in client assets.

Patrick Wynne is a CFP® with 10 years of industry experience, currently serving as a financial advisor at Mercer Global Advisors Inc. since 2021. His prior roles include positions at Epstein and White Financial LLC, Centaurus Financial Inc., and Tremblay Financial Services. Mercer Global Advisors provides investment advisory and planning services to a diverse client base that includes individuals, high-net-worth families, small business owners, corporate plan sponsors, foundations, and nonprofit organizations. The firm’s investment approach is based on Modern Portfolio Theory and focuses on globally diversified, risk-appropriate portfolios using low-cost index vehicles and multi-factor strategies.

Fermin Mesina is a financial advisor with 23 years of industry experience, currently affiliated with OSAIC Institutions, INC. He holds a Series 66 designation and has worked at firms including Infinex Investments, Inc., First Bank, J.P. Morgan Securities, and Wells Fargo Investments. Outside of his advisory role, Mesina serves as a Senior Consultant with USMX Financial Group, providing property and casualty insurance and business consulting services. OSAIC Institutions serves a broad client base, including individuals, trusts, estates, charitable organizations, and corporations, delivering customized advisory services through a large network of investment adviser representatives. The firm offers both discretionary and non-discretionary management, utilizing multiple investment approaches and a comprehensive affiliate and referral ecosystem for integrated financial solutions.

Paul Gugger is a financial advisor with United Planners Financial Services of America, holding a Series 66 designation and 25 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Securities America, and Arbor Point Advisors. United Planners Financial Services is a national wealth-management enterprise serving a diverse client base that includes individual investors, retirement plans, corporations, trusts, estates, and institutional clients. The firm offers advisory and brokerage services through independent representatives and uses a variety of custodians and third-party managers, with a large portion of assets managed on a non-discretionary basis.

Jacob Apodaca is a financial advisor at Creative Planning with a Series 65 designation and two years of industry experience. His prior work includes roles at Robert Half and Poly English Language Center, among others. Creative Planning provides wealth management, financial planning, and retirement-plan advisory services to a diverse client base, including high-net-worth individuals, pension plans, trusts, and corporations. The firm employs a financial-planning-led investment approach that emphasizes low-cost indexing and buy-and-hold strategies for long-term goals, supplemented by selective private market exposure and customized portfolio management.

Zhi Ren Liang is a Series 66-registered financial advisor with VALIC Financial Advisors in San Diego, CA. He has experience at Corebridge Financial and AIG Retirement Services, among other roles in both the private and public sectors. Liang has also worked with Elder Delivers, LLC, indicating involvement in entrepreneurial activities outside of financial advising. VALIC Financial Advisors, Inc. serves primarily U.S. individuals, including high net worth clients and employer-sponsored retirement participants. The firm offers portfolio management, financial planning, and discretionary unified managed accounts through a large network of advisors and leverages centralized technology and model solutions to manage approximately $29.2 billion in assets.

Connor Boone is a financial advisor at Mariner with a Series 65 credential and one year of industry experience. Prior to joining Mariner, he spent eight years in full-time education. Mariner serves a diverse client base including individuals, pension and profit-sharing plans, trusts, estates, charitable organizations, corporations, and private funds. The firm offers investment management, financial planning, retirement plan consulting, and integrated tax and administrative services, utilizing customized discretionary portfolios supported by in-house research and third-party managers.

Dionisio Meneses is a financial advisor at Mercer Global Advisors Inc. in San Diego, CA, holding Series 65 and Series 66 licenses with six years of industry experience. Prior to rejoining Mercer Global Advisors in 2025, he worked at DNM Creative Properties Inc. for 28 years. Mercer Global Advisors serves individuals, families, small business owners, plan sponsors, foundations, nonprofits, and endowments, providing a range of investment advisory, financial, tax, retirement, estate planning, and family office services. The firm employs a globally diversified investment approach based on Modern Portfolio Theory, utilizing low-cost ETFs, index funds, and other vehicles, and offers specialized programs along with educational content and integrated service platforms.

Varinia Peridon is a financial advisor at Primerica Advisors with two years of industry experience. She holds Series 63 and Series 65 licenses and has been with Primerica Financial Services since 2021. In addition to her advisory role, she is affiliated with Point Loma Nazarene University. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and a limited number of separately managed account options primarily for individual and high-net-worth clients. The firm uses third-party asset managers and a tiered wrap fee structure, with operational oversight to manage potential conflicts of interest.

David Harlow is a Series 66 licensed financial advisor with 15 years of industry experience, currently working at Cetera Investment Services LLC since 2025. His prior roles include positions at CUSO Financial Services, LP and SSN Advisory, Inc. Outside of his advising career, he has been involved with Smoky Mountain Guides. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with access to affiliated and third-party managers, providing a range of portfolio management and financial planning services through various program structures.

Holden Enniss is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Morgan Stanley and Hillstone, along with earlier experience at Enniss Inc. and other firms. He also has a background involving Francis Parker School and Columbia University. 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 variety of financial planning and investment management services, utilizing both proprietary and third-party strategies across discretionary and non-discretionary accounts.

Jeffrey Czajka is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 65 licenses and bringing 13 years of industry experience. His prior roles include positions at The Prudential Insurance Company of America, Pruco Securities, and Northwestern Mutual Investment Management. He is also the founder of Advisor Growth Solutions, LLC. 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 diverse financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

Luis Saucedo is a financial advisor with MassMutual Investors Services who holds a Series 66 designation and has 25 years of industry experience. His career includes roles at MassMutual since 2016 and Capstone Partners Financial and Insurance Services from 2016 to 2021. Outside of his advisory work, he serves as secretary for a home-based language services consultancy. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers a range of planning services including estate settlement and employer-sponsored programs, utilizing firm-approved tools to deliver collaborative, written recommendations.

Blanca Pasallo is a financial advisor at Fidelity with four years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including TD Ameritrade and Chase Bank. Her prior experience also includes a role at Sedberry Tobin Insurance Services and early work with Unleashed By Petco. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a systematic investment process combining fundamental research, quantitative analysis, and algorithmic portfolio construction, and is known for its advisory role to multiple funds and use of advanced technologies in research.

Yijia Li is a financial advisor at Primerica Advisors in San Diego, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Primerica, Li worked at LPL Financial LLC for eight years. Primerica Advisors manages a wrap-fee asset management program primarily serving individual investors, as well as corporate and charitable clients. The firm employs model-delivery strategies developed by unaffiliated asset managers and supports trade execution and account custody through BNY Mellon Advisors and Pershing.

Natalie Stenehjem is a Series 66-licensed financial advisor with eight years of industry experience. She is currently with OSAIC, having previously worked at Royal Alliance. Outside of her advisory role, she coaches a nonprofit junior high girls volleyball team in San Diego. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporations. The firm employs a model-based investment approach emphasizing asset allocation and portfolio optimization across a range of advisory and brokerage services.

Jeffrey Ott is a financial advisor with Cetera who holds a Series 63 designation and has 42 years of industry experience. He has worked at various firms including First Allied Advisory Services and Volker Financial. Outside of his advisory work, he serves as treasurer of the Tierrasanta Kiwanis Club/Foundation, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of independent advisors and utilizes a multi-manager platform with diverse program options and affiliated partnerships.

Dennis Notchick is a CFP® professional affiliated with Cetera, with 12 years of industry experience. He has held positions at firms including Stratos Wealth Advisors, Mariner Wealth Advisors, and Avantax, and currently operates Integrated Tax and Wealth Management, offering financial and tax planning services. In addition to advisory work, he is involved in tax preparation and insurance sales. Cetera Investment Advisers LLC is a nationwide multi-manager platform serving a diverse client base ranging from individual investors to institutional accounts, offering portfolio management, financial planning, and retirement services through a broad network of independent advisors.

Kelly Rhine is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and 12 years of industry experience. Prior to joining LPL Financial in 2025, Rhine worked at NASA Federal Credit Union for 10 years, CUSO Financial Services for 9 years, and Valic Financial Advisors for 2 years. 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 institutions. The firm provides a range of financial planning and investment solutions, including third-party asset management and institutional platforms.

Brian Grigg is a financial advisor with LPL Financial, holding the PFS™ designation and Series 66 license, and has 17 years of industry experience. His career includes roles at Avantax Insurance Services, Hughes Ferguson Grigg LLP, and managing his own firms such as Grigg Financial Group and Brian Grigg CPA. He is also involved in tax preparation and accounting through his ownership of related business entities. 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.