Marcus Fitzpatrick is a financial advisor at Cetera with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Cetera and its related entities since 2019. Prior to that, he worked at Foresters Financial Services and Foresters Advisory Services LLC. Outside of his advisory role, he is involved in coaching soccer, including training players and managing teams. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supporting over 10,000 advisors and managing more than $256 billion in assets.

Juan Fernandez is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior experience includes long tenures at E*TRADE Capital Management LLC and E*Trade Securities LLC, as well as a brief period at Morgan Stanley. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios alongside alternative investment options, supported by centralized custody and operational infrastructure.

Jeffrey Carlos Jr. is a Series 66-licensed financial advisor with LPL Financial, where he has worked since 2013. He has 18 years of industry experience, including five years at Edward Jones prior to joining LPL. 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 supported by model portfolios, third-party subadvisors, and various institutional platforms.

Jesse Starr is a CFP® with 18 years of experience in the financial industry, currently serving at Morgan Stanley in San Diego, CA. His prior work includes roles at Wells Fargo Clearing and JPMorgan Securities LLC. Outside of his advisory work, he is a partner at Starr Ventures 1738 LLC, a real estate investment business based in Montana. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutions, including personalized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling to assist clients in their financial decisions.

Blake Foster is a CFP®-certified financial advisor with 30 years of industry experience, currently with Wells Fargo Clearing since 2016. He previously worked at Prudential Equity Group, LLC from 1997 to 2003. Foster is based in San Diego, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Dean Pfremmer is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He has worked at various Morgan Stanley entities since 1997, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by advanced modeling tools.

Emmett Lichtenberg is an Investment Consultant currently working at Fidelity Investments since 2025. In this role, he partners with clients to help them build and maintain tailored financial plans designed to align with their financial goals. Prior to this, Emmett worked as a Financial Solutions Advisor at Merrill Lynch from 2024 to 2025. He holds a California Insurance License.

Erin Arellano is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Prior to joining LPL Financial in 2014, Erin worked at Advisors Asset Management, Inc. and U.S. Bancorp Advisors, LLC. Outside of advisory work, Erin owns Coordinated Contract Services, a transportation business serving disabled adults, and provides tax preparation services as an enrolled agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services through a large network of representatives, serving individual and institutional clients with a range of financial planning, asset management, and retirement solutions.

Kristin Krueger is a financial advisor at Edward Jones with three years of industry experience. She holds the Series 66 designation and has a background that includes service in the United States Navy for 20 years, as well as roles at Booz Allen Hamilton and Big Block Realty. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets with a network of around 23,701 financial advisors and 15,121 branch offices nationwide.

Richard Tuton is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has previously worked at Reliant Direct Insurance Services and the American College of Financial Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary portfolios, fund advisory, and model portfolios.

William Dutton is a financial advisor with OSAIC in San Diego, CA, holding Series 63 and Series 66 credentials and 25 years of industry experience. His prior roles include positions at Woodbury Financial Services, San Diego County Credit Union, LPL, Mass Mutual Investors Services, and Northwestern Mutual Investment Management. Outside of finance, he is the bandleader and musician for the Rockin Jazz Big Band, a 20-piece ensemble performing at various events. He also operates a business assisting families with college financial aid applications and planning. OSAIC serves a diverse client base including retail and institutional investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization with various managed account strategies and maintains multiple custodial and legacy program arrangements.

Steven Trifoglio is a financial advisor with UBS Financial Services, holding a Series 66 designation and 29 years of industry experience. He has been with UBS Financial Services since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Molly Miller is a financial advisor at LPL Financial with 43 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at several firms, including D.A. Davidson & Co., Crowell, Weedon & Co., Wells Fargo Clearing, and A. G. Edwards & Sons, Inc. Miller maintains an outside business entity, MJM Financial, for tax and investment purposes. 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.

Maksim Ivanchuk is a financial advisor with Edward Jones in San Diego, CA, holding Series 66 and Series 63 licenses and totaling five years of industry experience. His prior roles include positions at Ameriprise, North Island Credit Union, BBVA/PNC, and US Bank. Outside of his advisory work, he is starting a side business focused on buying and selling used cars on weekends. Edward Jones is a full-service wealth management firm that serves individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a large network of advisors and branch offices nationwide.

Walter D'souza is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63, 65, and 66 designations and has worked at firms including Commonwealth Financial Network, Manning Wealth Management, Mutual of America Securities Corporation, and Valic Financial Advisors. Based in San Diego, CA, he occasionally provides clients annuities and life insurance upon request. OSAIC serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based asset allocation process and supports a range of portfolio management strategies delivered via affiliated broker-dealer and RIA relationships.

Kevin Lee is a CFP® with seven years of industry experience and has been with Edward Jones since 2018. Prior to joining Edward Jones, he worked at Grassroots Outdoor Alliance and had a brief period of unemployment in 2018. 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 options, supported by a large network of financial advisors and branch offices across the country.

Sarah Martin is a financial advisor at Fidelity with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Fidelity Investments in multiple roles since 2008, including her current position since 2021. Her prior experience also includes tenure at Charles Schwab and Independent Financial Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a process combining fundamental research with quantitative analysis and algorithmic portfolio construction, serving a broad client base including registered investment companies and a Charitable Gift Fund.

Matthew Henry is a financial advisor with Osaic Wealth, holding Series 63 and Series 65 credentials and 10 years of industry experience. He has worked at Osaic since 2023 and previously at Sagepoint Financial, INC. He is also an insurance agent and serves on the board of Water 4 Life Global, a nonprofit focused on providing clean water to underserved communities. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm utilizes a model-based investment approach with various managed account programs and emphasizes portfolio optimization supported by risk-tolerance assessments and rebalancing tools.

Glenn Morey is a financial advisor with LPL Financial in La Mesa, CA, holding a Series 63 designation and bringing 43 years of industry experience. He has been with LPL Financial and its predecessor firms since 2004 and previously worked at WS Griffith Securities, Inc. from 1998 to 2004. Outside of his advisory work, he operates a real estate rental property that is managed externally. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to third-party asset management, leveraging model portfolios, customized strategies, and technology tools to support advisors.

Jonathan Stahley is a financial advisor with Ameriprise in La Jolla, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers recommendations through a centralized consulting team, emphasizing assets held in Ameriprise Managed Accounts.