Martha Gomez Walton is a financial advisor at J.P. Morgan Securities with three years of industry experience. She holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012. 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 its Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

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 and JPMorgan Chase Bank, N.A. He is a silent partner and investor in Midway Express Car Wash, Inc. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized manager due diligence and an ESG eligibility framework.

Kevin Yoneda is a financial advisor with Osaic Wealth, Inc. He holds Series 63 and Series 65 designations and has 30 years of industry experience. Prior to joining Osaic in 2023, he spent 14 years at Sagepoint Financial, Inc. Yoneda is also a partner at Independent Capital Management, where he has been involved for over 25 years. He serves as trustee and power of attorney for his mother’s financial and personal affairs. Osaic Wealth, Inc. serves a diverse client base that includes retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across various asset classes, and supports both discretionary and non-discretionary account management.

Joel Rohn is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 66 licenses and having 29 years of industry experience. He has been with LPL Financial since 2013. Outside of his advisory role, he is the president and proprietor of JL Rohn Investments, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by research and model portfolios.

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.

Angela Martin is a financial advisor at OSAIC with 24 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at SagePoint Financial for nine years. In addition to her advisory role, she is also licensed as an insurance agent, focusing on fixed life and long-term care insurance. OSAIC serves a diverse client base, including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services through a large network of advisers, utilizing various tools and third-party platforms to construct and manage portfolios across multiple asset classes.

Kirby Morrison is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. He has been with LPL Financial since 2008. Morrison also operates a separate business under the name Morrison Wealth Management. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs and retirement plan consulting, utilizing model portfolios, research, and technology-driven strategies.

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.

Kenneth Attorri is a financial advisor at Edward Jones with 23 years of industry experience. He holds Series 63 and Series 66 designations and has been with Edward Jones since 2003. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets 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.

Nhut Anh Dang is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2012. 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. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering non-discretionary recommendations supported by a centralized due-diligence framework.

Rachelle Andrus is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She has been with J.P. Morgan Securities since 2012 and also worked at JPMorgan Chase Bank, N.A. from 2008 to 2018. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside affiliated brokerage and investment management capabilities.

Mitch Ruibal is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and with 23 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved in buying sports cards as a business activity. 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, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

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® professional with 31 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has held prior roles at Cetera, U.S. Bancorp Investments, and UnionBanc Investment Services. Outside of his advisory work, he coaches high school wrestling and works as a mortgage loan originator. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research from internal and third-party sources.