Brooke Sorchy is a CFP® with four years of industry experience, currently affiliated with LPL Financial. Her prior work includes roles at MW Asset Management, Michelle Warner Real Estate, and Einstein Bagels. Outside of her advisory work, she is a brand ambassador for Ruby Moon, a retail business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs and retirement plan consulting supported by research and model portfolios from various sources.

Brett Morris is a financial advisor at Charles Schwab with 25 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at TD Ameritrade for 12 years. Outside of his advisory role, Morris serves as a housing board member for the Cowlitz Indian Tribe, reviewing housing assistance needs for tribal members. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Manuel Horner is a financial advisor with Ameriprise in Chula Vista, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior work includes roles at Cuso Financial Services and North Island Credit Union. Outside of his financial advisory work, he serves as a basketball referee. Ameriprise offers retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendations through a centralized consulting team.

Michele Martinez is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2018, also working at JPMorgan Chase Bank, N.A. since 2014. Martinez previously had involvement with Prepkitchen La Jolla, LLC. 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. The firm combines institutional advisory services with brokerage and investment management capabilities, delivering recommendations through a non-discretionary program supported by centralized due diligence and ESG eligibility processes.

Melissa Thomas is a financial advisor with LPL Financial in San Diego, CA. She holds the Series 66 designation and has one year of experience in the financial industry, including five years at Cuso Financial Services prior to joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL Research and third-party subadvisors.

Jessica Hardy is a financial advisor at Cetera with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Cetera since 2019, following prior roles at Foresters Financial Services and Foresters Advisory Services. Outside of her advisory work, she serves as the 2nd Vice President of Education for Curie Elementary PTA and volunteers with the PTA Garden Club. 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 a variety of portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

Heather Gabbara is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2014, including roles at JPMorgan Chase Bank, N.A. since 2017. 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 select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory with brokerage and investment management capabilities.

Tito Gutierrez is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2012. Prior to that, he worked at JPMorgan Chase Bank, N.A. starting in 2010. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Francisco Davila is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. He has been with J.P. Morgan Securities since 2013 and also works with JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, combining large institutional advisory operations with brokerage, distribution, and investment management capabilities. The firm offers asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors.

Ryan Umbenhaur is a financial advisor with Edward Jones in La Mesa, CA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at PNC Bank, BBVA Bank, and Comerica Bank. He serves as a board member for the Lake Murray Terrace Condominium Association in Santee, CA. 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 nationwide network of advisors and branch offices.

Genie Lebay Short is a financial advisor with Osaic Wealth, Inc. in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. Prior to joining Osaic in 2023, she worked for Sagepoint Financial, Inc. for 14 years. Outside of her advisory role, she is a certified Citadel Estate Planner, referring clients for estate planning services. Osaic Wealth serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm combines brokerage and advisory services with financial planning and retirement consulting, employing tools such as asset-allocation models and automated rebalancing to construct customized portfolios.

Bridy Oreshack is a financial advisor with LPL Financial in La Mesa, CA, holding a Series 66 designation and bringing 23 years of industry experience. Prior to joining LPL Financial in 2019, Oreshack spent 16 years with Mass Mutual Investors Services and Massmutual Life Insurance Co. Outside of advisory work, Oreshack is involved with Ingenieux Consulting LLC and La Mesa Bookkeeping, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs with discretionary and non-discretionary management supported by research and model portfolios.

Troy Darrock is a CFP® with eight years of industry experience, currently serving as a financial advisor at Ameriprise. His prior roles include positions at Mariner Independent Advisor Network, LPL Financial, and Edward Jones. He also has experience in the retail sector, having worked at Pura Vida Bracelets and Clae Footwear. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Samantha Zetouna is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. She has worked at J.P. Morgan Securities and JPMORGAN Chase Bank, N.A. since 2014. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Mahmoud Abdelhalem is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory work, he is an artist and painter who may sell his own artwork. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and brokerage services through a national network of representatives.

Michael Swain is a financial advisor at LPL Financial with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with LPL Financial since 2008. Outside of his advisory role, he is involved in Swain Wealth Management, which focuses on fixed term life insurance, fixed whole life insurance, fixed annuities, and health insurance. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing discretionary and non-discretionary management supported by in-house and third-party research.

Kevin Liu is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at SAGEPOINT FINANCIAL since 2012 and at INDEPENDENT CAPITAL MANAGEMENT from 2012 to 2023. Outside of advisory work, he is involved in mortgage brokerage and estate planning referral services through other business activities. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services via a large network of advisers. The firm utilizes firm-provided asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across various asset classes, and it supports both discretionary and non-discretionary account management.

Steven Cannon is a financial advisor with Osaic Wealth, Inc. in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He previously worked at Lincoln Financial Advisors for 23 years before joining Osaic in 2025. Outside of his advisory role, he serves as a successor trustee for the Carol A Cannon Trust and is licensed as an insurance agent offering disability insurance, fixed/indexed annuities, and traditional life insurance. Osaic Wealth, Inc. serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm integrates brokerage and investment advisory services and employs tools such as asset-allocation modeling and automated rebalancing to manage portfolios across various asset classes.

Arturo Ramirez is a financial advisor at Merrill with a Series 66 designation and 12 years of experience at the firm. He has four years of industry experience and is based in El Cajon, California. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Misty Lavin is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also working concurrently at JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investments, delivering services on a non-discretionary basis.