Gabriel Garcia is a financial advisor at Ameriprise Financial Services with eight years of industry experience. He holds a Series 66 designation and previously worked at Mariner Independent Advisor Network, LPL Financial, and Edward Jones. Garcia also served in the United States Marine Corps Reserves for 12 years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. Its approach includes a centralized service team that collaborates with advisors to provide written Recommendation Reports based on proprietary research and third-party data.

Tom Nicholl is a financial advisor at Edward Jones with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he worked in the automotive industry with Mercedes Benz of San Diego and Sunroad Automotive. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory and investment services, supported by a large nationwide network of financial advisors and branch offices. The firm offers various managed strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

J Essman is a financial advisor with Mass Mutual Investors Services in San Diego, CA, holding the ChFC® designation with 28 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities, Inc. and Metropolitan Life Insurance Co. from 2007 to 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations through annual collaborative planning engagements.

Hernan Diaz is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked at JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research, incorporating ESG considerations and leveraging broader derivatives and commodities capabilities.

Jason Samuelsen is a financial advisor with Edward Jones in San Diego, CA, holding a Series 66 designation. He has been with Edward Jones since 2025 and has prior experience at STN Digital, Evolytics, American Century Investments, Sporting Kansas City, and Bowling Green State University. Outside of advisory work, he manages a rental property in Kansas City, MO. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of investment strategies, tax-efficient services, and affiliated financial products through a large national network of advisors and branch offices.

Mark Hyma is a financial advisor with Cetera, holding a Series 63 credential and bringing 37 years of industry experience. He has served in various roles at firms including Avantax Advisory Services and PFS Wealth Advisors and is also involved in tax preparation and management of commercial rental properties. Hyma is the president of PFS Wealth Advisors, Inc. and the CEO of PFS Acq Corporation, which oversees financial services acquisitions. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors and serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with both discretionary and non-discretionary program structures.

Miles Fleming is a financial advisor at LPL Financial with 11 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2021. Prior to joining LPL, he was involved with various organizations including the Rotary Club of Del Mar and the San Diego Council on Aging. 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, third-party asset management, and institutional platforms.

Richard Dahl is a financial advisor with LPL Financial, holding the Series 63 and Series 66 designations and having 43 years of industry experience. His career includes roles at CUSO Financial Services, LP and Sorrento Pacific Financial, LLC prior to his current position at LPL Financial. 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 portfolios, third-party asset management, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Britt Stephens is a Series 66 licensed financial advisor with 16 years of industry experience, currently with LPL Financial since 2021. She has held roles at various insurance carriers, Employer Services Group, Lumena Financial Strategies, Inc., and Waddell & Reed Inc. Stephens operates a DBA related to her LPL business under Lumena Financial Strategies, Inc. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory solutions with extensive non-advisory financial activities.

John Rey is a CFP® professional with three years of industry experience, currently affiliated with LPL Financial. He has previously worked at JM Financial Strategies and Commonwealth Financial Network. Outside of his advisory work, he teaches leadership training with the Carmelite Sisters in San Diego. 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 extensive research and technology tools.

Darryle Grimes is a financial advisor with Ameriprise, holding a Series 66 designation and 10 years of industry experience. He has worked at Ameriprise since 2020 and previously spent six years with First Command in various advisory and planning roles. He serves as treasurer on the board of the Military Officers Association of America, Miramar Chapter. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. Its Premier Retirement Income service offers tailored retirement planning advice focused on income reliability and tax-aware withdrawal strategies.

Amy Horsley is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has previously worked at TD Ameritrade and Bank of America. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sergio Pedro Perez is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America, Merrill, and Wells Fargo entities throughout his career. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jose Covarrubias is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with J.P. Morgan entities since 2012. His prior roles include positions at Uber and Lyft from 2015 to 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating an ESG eligibility framework.

Nicolle Hudachek is a financial advisor with Robert W. Baird & Co., holding a Series 66 designation and bringing 20 years of industry experience. She has been with Robert W. Baird since 2012. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The team provides tailored consulting and portfolio services, including financial planning and discretionary management, employing a variety of investment strategies and overlay services.

Sarah Karpicus is a financial advisor at Edward Jones with four years of industry experience. She holds the Series 66 designation and has prior experience with Shakti Rising, a nonprofit organization focused on healing and recovery. Outside of her advisory role, she owns and manages Yellowbird Expressive Arts, an expressive arts therapy business offering individual sessions, groups, retreats, and virtual programs, and participates as a performer in a local playback theatre troupe. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide 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 operates a large network of financial advisors and branch offices nationwide.

Jesus Reyes is a financial advisor at Merrill with seven years of industry experience. He previously worked at Bank of America for two years before joining Merrill in 2019. Outside of his advisory role, Reyes operates a YouTube channel and an associated children’s book project focused on educational content for young readers, and he also engages in online sales of Mexican goods through independent websites. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a variety of clients including individuals, high-net-worth clients, and institutions.

Anette Schol Bermel is a financial advisor with Cetera, holding a Series 66 designation and 16 years of industry experience. She has previously worked at Avantax Advisory Services and several other firms, including Raymond James Financial and First Command. In addition to her advisory role, she is involved in tax preparation and bookkeeping through Professional Financial Services in La Mesa, CA. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options ranging from model portfolios to bespoke strategies, supported by a nationwide network of over 10,000 advisors.

Sam Farhan is a financial advisor at Fidelity with eight years of industry experience. He holds Series 63, Series 65, and Series 66 licenses. Outside of his advisory role, he operates Manifest Dream Coaching, providing online life coaching services, and is a partner in an online candy store called Swede Joys. Fidelity's Strategic Advisers LLC offers investment management and advisory services to a diverse client base, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios from mutual funds, ETFs, and ETPs.

Thomas Drabek is a CFP® with 38 years of industry experience. He is currently with Osaic and has previously worked at Woodbury Financial Services and Securities America. In addition to his advisory roles, he operates two sole proprietorships focused on the sale of insurance products, including fixed and index annuities, long-term care, disability, and life insurance. Osaic Wealth serves a diverse client base that includes individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services through a multi-advisor platform, employing model-based asset allocation and portfolio optimization with multiple investment program options.