Angela Martin is a financial advisor at OSAIC with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at SagePoint Financial and LPL Financial. Outside of her advisory role, she is also licensed to transact fixed life and long-term care insurance products. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, providing various program options such as Unified Managed Accounts and third-party money manager programs.

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.

Nhut Anh Dang is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 designations and has worked with JPMorgan entities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach includes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and an ESG eligibility framework.

Rachelle Andrus is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 17 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and has been with Jpmorgan Chase Bank, N.A. in various capacities since 2008. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process includes centralized due diligence with a combination of quantitative and qualitative research, and recommendations may incorporate ESG criteria.

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 financial advisor with Cetera, holding CFP® and Series 66 credentials and bringing 16 years of industry experience. She has held positions at Cetera and Ameriprise and currently operates a financial services business, Affluence.com. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a multi-manager platform with various portfolio management and financial planning services.

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.

Andres Cervantes is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities since 2021. His prior work includes roles at JPMorgan Chase Bank and Tru Nature. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates systematic quantitative screens, qualitative research, and incorporates an ESG eligibility framework as part of its investment recommendations.

Laura Jacobs is a financial advisor at UBS Financial Services with 16 years of industry experience. She holds the CFP® and Series 66 designations and has been with UBS since 2011. Outside of her advisory role, she is involved with Screen Free Kids LLC, where she manages social media, runs events, and oversees the company’s website focused on providing screen-free activities and education for families. She also has experience selling health and skincare products through NuSkin. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work through a network of financial advisors who tailor plans based on proprietary research and model-based asset allocations.

Julian Odish is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Morgan Stanley, Northwestern Mutual, and Allied First Bank, as well as experience at JDO Capital Group and the University of San Diego. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Jorge Carranza is a financial advisor with Edward Jones in Chula Vista, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, and Wells Fargo. Outside of financial services, he owns a rental property in El Sauzal, BCN. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and operates under a fiduciary standard.

Patricia Uhart is a financial advisor at OSAIC with 43 years of industry experience. She holds a Series 66 designation and has worked at Royal Alliance Associates, Inc. since 2018 and Signator Investors, Inc. from 2016 to 2018. In addition to her advisory work, she owns Uhart Tax & Financial, where she provides tax preparation, planning, and IRS representation services, and she is also an artist who paints and sells watercolor artwork. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform, offering brokerage and advisory services including comprehensive financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment process with tools for asset allocation, portfolio optimization, and risk management, and it operates multiple affiliated entities and product offerings.

Christopher Rea is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market models.

Robin Ballard is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 license and 45 years of industry experience. He has been with LPL Financial since 1993. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual clients, retirement plans, 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.

Roberto Aguais is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Ameriprise, and Mission Federal Credit Union. He has experience working outside the financial sector at Bonita Pet Supply and in accounting services with Robert F Rosario CPA. 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 teams and third-party managers.