Valerie Saucedo is a CFP® with seven years of industry experience, currently an advisor at LPL Enterprise. Her prior roles include positions at The Prudential Insurance Company of America, UBS Financial Services, and Harbour Investments, Inc. She is based in San Diego, CA. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, and institutional entities. The firm’s investment approach is model-driven, using portfolios developed internally or by third-party strategists, and offers access to a variety of financial planning and asset management solutions.

Owen Stiefvater is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. His prior roles include positions at Dudm Real Estate Group and ongoing involvement with the San Diego Symphony. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform, supporting discretionary and non-discretionary strategies across diverse program structures.

Monika Windle is a CFP® with 26 years of experience in the financial industry. She is currently with LPL Financial and previously worked at MW Asset Management Inc., Robert J. Woods, Incorporated, and Wamu Investments, Inc. Outside of her advisory work, she provides financial planning and consulting services through her independent firm, Financial Plan Design. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual and institutional clients through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management access, and retirement advice, supported by advanced operational tools and a broad array of affiliated financial activities.

Saundra Gardner is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has been serving clients since 2007. She brings over 25 years of experience in creating comprehensive wealth management strategies. Prior to joining Merrill Lynch, Saundra worked at Smith Barney, Beverly Hills as a Senior Investment Management Consultant. Her career has spanned major markets including New York, Chicago, Miami, and Los Angeles, where she has served as a Branch Manager, Licensed Securities Principle, and Registered Investment Advisor. Saundra holds a Bachelor's Degree from New Mexico State University and is a CERTIFIED FINANCIAL PLANNER® certificant. She also carries designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Saundra specializes in personalized wealth management strategies tailored to clients' unique financial goals, including retirement planning, legacy planning, portfolio management, and tax minimization. In addition to her professional work, Saundra participates in community involvement through the Community Church. Her personal interests include biking, gardening, hiking, reading, spending time with her family, and traveling.

Casey Caliva is a CFP®-designated financial advisor with 20 years of industry experience, currently with Edward Jones since 2007. Prior to joining Edward Jones, Casey worked at Wells Fargo Investments for one year. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Ryan Friesen is a CFP® professional with three years of industry experience, currently affiliated with Cetera. He has held roles at several related firms including Celeste Financial Group and Vanderbyl Associates INC. Outside of his advisory work, he is involved with Celeste Financial Group, where he reviews client profiles and prepares client reviews. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm that serves a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party investment options.

Nolan Worley is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and bringing 20 years of industry experience. His prior roles include positions at Raymond James Financial, NW Asset Management, and Cavanaugh Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a broad range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides access to various investment programs and utilizes technology tools to support advisors while maintaining oversight of a large network of representatives and significant discretionary assets.

Charles Kraft III is a financial advisor at Cetera with 32 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Wells Fargo Clearing and Wells Fargo Advisors. He is also the owner of Kraft Wealth Management, a business operating under the Cetera umbrella. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients. It offers a multi-manager platform with a range of portfolio management and financial planning services, supporting both discretionary and non-discretionary accounts.

Jacob Bentley is a financial advisor with Cetera Investment Advisors LLC, holding Series 63 and Series 65 credentials and one year of industry experience. Prior to joining Cetera in 2026, he worked for Axos Invest and has been involved with organizations including the South American Jewish American Community and Hillel International. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a range of portfolio management options and advisory services delivered through a large nationwide network of independent advisors.

Brian Hoyt is a CFP® and PFS™ with 24 years of industry experience. He is currently with LPL Financial and has worked at Tax & Capital Management 360 since 2011 and OSAIC Wealth Inc. from 2004 to 2025. In addition to his advisory role, he is involved in tax preparation and tax planning through Tax & Capital Management 360. 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, supporting both discretionary and non-discretionary account management with a wide range of investment strategies.

Kevin Berenzweig is a financial advisor with OSAIC in San Diego, CA, holding Series 63 and Series 65 licenses and with 20 years of industry experience. His prior work includes roles at Woodbury Financial Services, Arbor Point Advisors, Securities America, and RSG Partners Financial & Insurance Services, where he currently serves as Managing Partner. He is also President of BSB Financial Services, a retirement planning sole proprietorship. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to multiple investment platforms. The firm utilizes proprietary asset-allocation tools, risk-assessment methods, and automated rebalancing to manage portfolios across a range of asset classes and supports both discretionary and non-discretionary account management.

Marianna Torreblanca is a financial advisor with J.P. Morgan Securities in La Mesa, CA, holding a Series 66 designation and five years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2020, she worked in the luxury retail sector with Breitling, CJ Charles Jewelers, and Tourneau. J.P. Morgan Securities LLC 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 network of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Brian Kettmann is a financial advisor at Wells Fargo Advisors with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley and J.P. Morgan Securities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Enola Gay Kipte is a Series 66-registered financial advisor with Edward Jones in San Diego, CA, beginning her advisory career in 2025. Her prior experience includes roles at TD Bank N.A., Federal Savings Bank, and Andrews Federal Credit Union. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a nationwide network of financial advisors and branch offices.

Luis Franco Jr. is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 designations and has eight years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and MUFG Union Bank, and serves in the United States Navy. 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 applying an ESG eligibility framework in its investment recommendations.

Danielle Stanton is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has been with LPL Financial and its predecessor firms since 1999. Outside of her advisory work, Stanton is involved in direct sales of jewelry through Plunder Designs and serves as a representative for Blossom Valley Residential Care. 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 and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive technology and operational resources.

Michael Heidtbrink is a financial advisor with Thrivent Investment Management in Santee, CA, holding Series 63 and Series 66 licenses and 35 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory work, he serves as a lay minister at Atonement Lutheran Church, assisting with monthly communion services and participating in church board meetings. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based analyses and written recommendations across a broad range of financial planning topics. The firm offers these services through a network of advisors but does not provide discretionary trading authority or institutional portfolio management.

Coley Davis III is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Securities America Advisors, Cooper McManus, and VOYA Financial Advisors. Outside of his advisory role, he serves as president of CB Financial Ins Services Inc., where he is involved in fixed insurance sales and retirement planning. OSAIC serves a diverse client base including individual and high-net-worth investors, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, using asset-allocation tools and risk assessments to construct portfolios that may include a range of investment types, with management options tailored to client preferences.

Christine Dellacato is a financial advisor with Cetera in La Mesa, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. Her work history includes roles at Cetera Wealth Services, Summit Financial Group, and Iron Blue, LLC. She serves on the board of management for the East County Family Y. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with discretionary and non-discretionary program options.

Nadin Toma is a financial advisor with J.P. Morgan Securities in El Cajon, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. Since 2013, Toma has worked with J.P. Morgan Securities and JPMorgan Chase Bank. Outside of finance, Toma is involved in managing Ishtar Jewelry, a family-owned business, where they assist with social media and customer service on weekends. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm’s approach integrates quantitative asset-allocation modeling, manager due diligence, and an ESG eligibility framework, with services delivered on a non-discretionary basis.