Vincent Croom is a CFP® with 22 years of industry experience, currently serving as a financial advisor at Cambridge Investment Research Advisors since 2012. Prior to this, he worked at First Command Brokerage Services and First Command Bank. He is also the CEO of a personal finance blog, The Financial Effect. Cambridge Investment Research Advisors is a large SEC-registered firm that provides financial planning, investment management, retirement plan advisory, and financial-wellness services to a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers a range of investment solutions through independent financial professionals, utilizing both proprietary models and third-party strategies.

Ivan Schleder is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated firm since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Matthew Behrendt is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2023. His prior roles include positions at LPL Financial, Commonwealth Financial Network, Aston Carter, Independent Capital Management, and Massmutual. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,700 financial advisors.

Douglas Williams is a financial advisor with Edward Jones in Alpine, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Thomas Trax is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 designations and 32 years of industry experience. He has been with LPL Financial since 2001. Outside of his advisory role, he serves as a board member for the Hillside Professional HOA, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm offers a range of financial planning, asset management, and institutional platforms, utilizing various investment strategies supported by research and technology tools.

Hector Ramirez is a financial advisor with Primerica Advisors in Chula Vista, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior work includes roles at Century 21 Award, Edward Jones, and Berkshire Hathaway Home Services. He holds a real estate license in California, currently inactive. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Yousif Helo is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses. Prior to his current role, he worked at Wells Fargo and JPMorgan Chase Bank. Outside of finance, he is a silent partner and investor in a car wash business. J.P. Morgan Securities primarily serves institutional clients and retirement plan sponsors, offering investment consulting and advisory services focused on asset allocation, manager selection, and customized performance reporting. The firm employs a quantitative and ESG-informed approach supported by centralized due diligence.

Kevin Yoneda is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sagepoint Financial, Inc. for 14 years and Independent Capital Management for 20 years. He is also president of KJY LLC, an entity involved in property improvements and sales. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services using asset-allocation tools, risk assessments, and may manage portfolios ranging from stocks and bonds to alternative investments.

Joel Rohn is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He worked at Edward Jones from 2010 to 2013 before joining LPL Financial in 2013. Outside of his advisory role, he is the president and proprietor of JL Rohn Investments, Inc., an investment-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily by its network of investment adviser representatives using a range of strategies and research tools.

Michael Lord is a financial advisor with Cetera Wealth Services, LLC in San Diego, CA, holding a Series 66 designation and bringing 20 years of industry experience. He has previously worked with Avantax Advisory Services and 1st Global Advisors, Inc. Outside of financial advising, he serves as CFO and Treasurer for Lord Insurance Group, Inc. and has a longstanding role as a paraplanner at Armstrong, Fisch & Tutoli Law Firm. Cetera Investment Advisers LLC is an SEC-registered firm that supports over 10,000 independent advisors and serves a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options, combining discretionary and non-discretionary authorities across multiple program structures.

Ronald Warner is a financial advisor with Cetera, holding a Series 66 credential and 20 years of industry experience. He has been with Cetera and its affiliate Cetera Wealth Services, LLC since 2013. Outside of his advisory role, he serves as treasurer for the San Diego Business Group, a local networking organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various investment strategies and program options, supported by a nationwide network of more than 10,000 advisors.

Kirby Morrison is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with LPL Financial since 2008 and previously worked at Edward Jones for one year. He also operates a DBA under the name Morrison Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of advisory and brokerage services including financial planning, model portfolios, and institutional platforms.

Michael Matta is a financial advisor at RBC Capital Markets with 11 years of industry experience. He holds a Series 66 designation and has been with RBC Capital Markets since 2014. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and custody services, tailoring strategies to each client's risk profile and utilizing both in-house and third-party investment managers.

Mitch Ruibal is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved in a business buying sports cards primarily on eBay. 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 financial planning, portfolio programs, third-party asset management, and institutional platforms, combining extensive non-advisory financial services with oversight of over $819 billion in discretionary assets.

Cheryl Cousino is a CFP® with 29 years of industry experience, currently advising at Cetera since 2019. She previously worked at Foresters Financial Services and Foresters Advisory Services. She serves as the Women's Initiative Chair for the Financial Planning Association San Diego chapter and volunteers with the National Charity League. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, and institutional clients nationwide, offering diverse portfolio management and financial planning services through a multi-manager platform.

Luis Beltran is a financial advisor at Edward Jones with 15 years of industry experience and holds a Series 66 designation. His prior roles include positions at Bank of America, Merrill Lynch, and JPMorgan Chase Bank and Securities. Outside of his advisory work, he manages a short-term rental business in San Diego. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of advisors and branch offices.

Gregory Reynolds is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has worked at Cetera since 2019 and previously spent six years with Foresters Advisory Services. Outside of his advisory work, he serves as an executor of an estate. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring affiliated and third-party strategies.

Ashley Crane is a CFP® professional with 15 years of industry experience, currently affiliated with Cetera. She has worked at Cetera Wealth Services, LLC since 2015 and also holds a role at Affluence.com, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, using a multi-manager platform with diverse program options and investment strategies.

Mark Gerardi is a CFP® with 31 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has held previous roles at Cetera, U.S. Bancorp Investments, Raymond James Financial, J.P. Morgan Private Wealth Advisors, and First Republic Wealth Advisors. Outside of his advisory work, he coaches high school wrestling and works as a mortgage loan originator. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advisor-facing technology tools.

Serene Burbidge is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and over one year of industry experience. She previously worked for First Command Financial Services for ten years before joining Ameriprise. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. This service provides written recommendations and annual advice focused on dependable income sources and tax-aware withdrawal strategies.