Lance Pelky is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked with firms such as VOYA Financial Advisors and America's Tax Solutions and has operated his own business, Lance Pelky & Associates, since 1998. Outside of finance, he owns Fine Wine Purveyors, a business unrelated to investment activities. 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 utilizing model portfolios, third-party management, and customized strategies, supported by technology tools, while overseeing over $819 billion in discretionary assets and a network of more than 22,800 advisors.

Mazen Abifaker is currently serving as a Vice President Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2022. In this capacity, he collaborates with multi-generational families to co-create personalized wealth plans aimed at growing, preserving, and transferring their wealth. Mazen has been with Fidelity Investments since 2010, progressing through various roles including Financial Consultant and Investment Consultant, which has provided him with extensive experience in financial advisory and wealth management. Prior to joining Fidelity, he worked as a Bank Teller at Wells Fargo Bank from 2009 to 2010. He holds a California Insurance License, underlining his professional qualifications in the financial services sector.

Gabriel Ruz is a Series 66-credentialed financial advisor at Edward Jones with seven years of industry experience. He has worked at Edward Jones since 2019 and previously held positions at Tesla Inc and Solar City. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment and advisory solutions, supported by a nationwide network of more than 23,000 financial advisors. The firm manages over $1 trillion in assets and offers discretionary and non-discretionary strategies, separately managed accounts, affiliated mutual funds, and other financial services.

Christopher Ouimet is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked with various Cetera entities since 2019 and was previously associated with Foresters Financial Services. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with diverse investment program options.

Tom Gengler is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, and Customer Relationship Advocate. Prior to joining Fidelity, he worked as an Internal Wholesaler at American Funds Distributors and held positions at Janus Capital and Oppenheimer Funds. Tom holds a California Insurance License. His approach centers on gaining a thorough understanding of clients' personal and financial priorities, assessing their risk tolerance, and creating customized plans to help achieve their goals. Outside of his professional work, Tom enjoys activities such as golf, traveling, outdoor adventures, spending time at the beach, exploring culinary experiences, and cars.

David Loughlin is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2011. He has been with Fidelity Investments since 2009, progressing through roles including Financial Consultant, Investment Representative, and Financial Representative. Prior to joining Fidelity, he served as AVP, Financial Advisor at Banc of America Investment Services from 2007 to 2009, and held financial advisor roles at TD Ameritrade, Inc. and AXA Advisors, LLC. With over two decades of experience in financial planning, David has worked with a diverse range of clients to develop, implement, and maintain long-term financial plans. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional work, David enjoys baseball, football, golf, puzzles, reading, and traveling.

Ronnie Sanchez is a financial advisor at LPL Financial with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Lucia Securities, LLC and RJL Wealth Management, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, and institutional platforms, supporting advisors with research and operational tools.

Washington Nabong is a financial advisor with J.P. Morgan Securities based in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also has a background at JPMorgan Chase Bank, N.A. since 2008. Outside of his advisory role, he is an owner and partner of Posh Living and Housing Services, a real estate business he manages with his husband. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research methods.

Madeleine Smith is the Vice President, Wealth Planner at Fidelity Investments. In this role, she focuses on providing clients with a comprehensive understanding of the services offered by Fidelity, aiming to support them in achieving their financial goals. She prioritizes understanding the unique needs of each client and their family to deliver tailored financial planning. Before her current position, Madeleine served as a Financial Consultant at Fidelity Investments from 2020 to 2025, and prior to that, she was a Senior Financial Consultant at TD Ameritrade from 2017 to 2020. She holds a California Insurance License, which supports her work in financial planning and consulting. Madeleine is dedicated to educating and empowering clients throughout their financial planning journey, emphasizing a client experience-focused approach.

Murray Hougen is a financial advisor with LPL Financial in San Diego, CA, holding the CFP® and ChFC® designations and over 20 years of industry experience. His prior roles include positions at Waddell & Reed, Inc. and various insurance carriers. He also serves as co-trustee of the Murray & Elizabeth Hougen Family Trust. 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, supported by advanced operational and research tools.

Danielle Vigneault is a financial advisor with LPL Financial, holding a Series 66 designation and nine years of industry experience. She has worked at Ameriprise Financial Services and Merrill prior to joining LPL. 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 offers various investment solutions including financial planning, model portfolio programs, and institutional platforms, supporting its network of over 22,800 advisors.

Tyler Webb is a Series 66-licensed financial advisor with seven years of industry experience, currently with UBS Financial Services in San Diego, CA. His prior experience includes roles at Lucia Capital Group and involvement in Webb Construction. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor financial plans and portfolio management to clients’ goals and risk tolerances.

Natalie Gamarra Loza is a Wealth Management Planning Consultant at Fidelity Investments, a position she has held since 2022. In this role, she partners with Wealth Management Advisors and a team of specialists to understand clients' goals and objectives, assisting in building personalized financial plans. Her professional experience includes serving as a Wealth Management Associate at Morgan Stanley from 2020 to 2022, a Registered Client Associate at TD Ameritrade from 2019 to 2020, and a Financial Advisor at Patelo Credit Union from 2017 to 2018. She holds a California Insurance License.

John Corotis is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation. He has experience working at Edward Jones since 2026, following prior roles at Checkbook Inc. and Jumper Media. 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 under management and offers a wide range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Laura Decker is a CFP® professional with 19 years of industry experience, currently with Cetera since 2019. Her prior experience includes roles at Foresters Advisory Services, Foresters Financial Services, and managing her own LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and retirement services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Stephen Seidel is a financial advisor at Morgan Stanley with a Series 66 credential and seven years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following a three-year tenure at American Funds Distributors. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools but does not include individual security recommendations as part of standalone planning services.

Barin De La Torre is a Series 66-licensed advisor at J.P. Morgan Securities with two years of industry experience. He has been with JPMorgan Chase Bank, N.A. since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and incorporates ESG eligibility frameworks.

Justin Timko is a financial advisor at Fidelity with two years of industry experience and holds the Series 66 designation. Prior to joining Fidelity, he worked in fitness and coaching roles, including with CAM Fitness SD LLC and Studio Outside. He also hosts and edits a podcast focused on fantasy topics. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios, including fund advisory and model portfolios, and serves as an adviser to registered investment companies.

Johnny Aguilar is a financial advisor at Charles Schwab with one year of industry experience. Prior to joining Schwab in 2022, he spent several years in education and operated Janet's Cafe & Deli. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts.

Gavin Holmes is a financial advisor at Morgan Stanley with a Series 66 credential and no prior industry experience. Before joining Morgan Stanley, he worked at RemoteLink Solutions and has experience in educational roles at San Diego State University and High Tech High Chula Vista. 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 strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.