Kevin Appelbaum is a financial advisor at OSAIC with 30 years of industry experience. His prior roles include positions at Woodbury Financial Services, LPL Financial, J.P. Morgan Securities, Chase Investment Services, Merrill, Banc of America Investment Services, and Wamu Investments. He holds a Series 63 designation. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, with access to discretionary and third-party manager strategies.

Benjamin Grad is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. Prior to joining Ameriprise, he worked at First Command Advisory Services and First Command Financial Planning. He is also the owner of SFCS, Inc., a business unrelated to investment activities. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, offering tailored written recommendations on income, Social Security, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support retirement planning, with a focus on assets held in Ameriprise-managed accounts.

Todd Johnson is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has been associated with Cetera and its affiliated firms since 2013. Johnson is also involved with Celeste Financial Group, a financial services DBA, where he performs client relations and administrative duties. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and oversees more than $256 billion in assets across a network of over 10,000 advisors.

Tony Truong is a financial advisor with Thrivent Investment Management in San Diego, CA. He holds a Series 66 designation and has 12 years of industry experience. Truong has been with Thrivent and its affiliated entities since 2013. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based financial planning across a broad range of topics, allowing clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping planning and investment management separate.

Rhonda Mills is a financial advisor with LPL Financial in Chula Vista, CA, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. Her prior roles include positions at San Diego County Credit Union, U.S. Bancorp Advisors, Merrill, WFP Securities, and Zions Capital Advisors. 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 portfolios, third-party asset management, and institutional platforms.

Vincent Croom is a CFP® with 22 years of experience in the financial industry, currently serving at Cambridge Investment Research Advisors since 2012. He previously worked at First Command Brokerage Services and First Command Bank. Outside of his advisory role, he operates a personal finance blog called The Financial Effect and serves as president of Croom Financial, a tax services business. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals. The firm provides access to multiple platforms, unaffiliated third-party advisers, and proprietary model 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.

Beth Westburg is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. She has worked at several firms, including Commonwealth Financial Network and Waddell & Reed. Westburg is a 50% owner of Lipman-Westburg Inc, a private entity involved in securities and advisory business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its advisors with a range of investment strategies and operational tools while managing over $819 billion in discretionary assets through a large network of advisors.

Gary Hochman is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 26 years of industry experience. He has worked at LPL Financial since 2018 and has been involved with Hochman Torres LLP since 2017. Outside of advising, he is the author of a fiction fantasy football book. 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 financial planning, model portfolio programs, third-party asset management access, and institutional platforms, with advice provided primarily through investment adviser representatives.

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.

Martha Gomez Walton is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 license and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers non-discretionary, written asset allocation advice and investment manager searches supported by a centralized due diligence process that combines quantitative and qualitative research.

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 and has worked at Wells Fargo as well as JPMorgan Chase Bank, N.A. In addition to his advisory role, he is a silent partner and investor in Midway Express Car Wash, Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized manager solutions team.

Kevin Yoneda is a financial advisor at OSAIC with 30 years of industry experience. Prior to joining OSAIC in 2023, he spent 14 years at Sagepoint Financial, Inc. and 20 years at Independent Capital Management. He also serves as president and owner of KJY LLC, an LLC involved in property purchasing and improvements. OSAIC Wealth serves a broad client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering comprehensive financial planning and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, utilizing both proprietary and third-party investment strategies, and is notable for its scale, affiliate network, and recent consolidation activity.

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.

Carl Friedemann is a financial advisor at Ameriprise with 35 years of industry experience. He has been with Ameriprise and its affiliates since 2005 and holds a Series 63 designation. Ameriprise Financial Services is a large, diversified advisory firm serving 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 income sources and tax-aware withdrawal strategies.

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.