Jose Covarrubias 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 worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012. Prior to his current roles, he was employed at Uber and Lyft from 2015 to 2017. J.P. Morgan Securities 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 large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering services on a non-discretionary basis while employing a centralized due-diligence framework.

Sam Farhan is a financial advisor at Fidelity with eight years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at firms including Merrill Lynch, TD Ameritrade, and LPL Financial. Outside of his advisory role, he operates a life coaching business and is involved in online retail through an online candy store partnership. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, as well as registered investment companies. The firm’s investment approach combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction to create model portfolios using mutual funds, ETFs, and ETPs.

Garret Campbell is a financial advisor with Thrivent Investment Management in Santee, CA, holding a Series 66 credential and 10 years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2016. Outside of his advisory role, he serves as a board member for Casa Esperanza para Niños, a nonprofit supporting abandoned and abused children in Hermosillo, Mexico. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary trading authority. The firm allows clients to combine planning with managed-account programs through a consolidated billing option called “WealthPlan” while maintaining separation between services.

Eithar Gaggi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 13 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has also worked with JPMorgan Chase Bank, N.A. since 2011. Outside of her advisory role, she owns a rental property. J.P. Morgan Securities 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver its services.

Jeffrey Naiman is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2004. Outside of advisory work, he is involved in non-variable insurance activities, including a role at Treble Financial. 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 services, including financial planning, model portfolio programs, and institutional platforms, supported by research-based investment strategies and technology tools.

Peggine Tellez is a financial advisor with LPL Financial holding Series 63 and Series 66 licenses and 23 years of industry experience. She has worked at firms including Securities America Advisors, Voya Financial Advisors, and Edward Jones. In addition to her advisory role, she is also a licensed insurance agent selling term, whole life, and long-term care insurance. 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, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and advanced operational tools.

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.

Kiley Grunstad is a financial advisor at Edward Jones with 19 years of industry experience. She has held her current position at Edward Jones since 2006. Outside of her advisory role, she is involved in the pyrotechnics business as president of KG Pyro LLC and works as a pyrotechnician, scripting fireworks displays. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Janice Ebbert is a financial advisor with Ameriprise in El Cajon, CA, holding a Series 66 designation and 27 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 1998. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a structured process supported by algorithmic tools and oversight committees.

Valentine Roberts is a financial advisor with J.P. Morgan Securities in El Cajon, CA. He holds Series 63 and Series 65 licenses and has eight years of industry experience, including roles at Wells Fargo Clearing Services and Wells Fargo Bank NA. Prior to his financial services career, he worked at PDC Healthcare/Brady Worldwide Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

Michael Rundlett is a CFP®-certified financial advisor with 35 years of industry experience, currently affiliated with LPL Financial since 1993. He provides small business consulting services outside of his advisory role. 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 financial planning and asset management solutions, employing both proprietary and third-party strategies across discretionary and non-discretionary platforms.

Ryan Kinney is a financial advisor with Edward Jones in Chula Vista, CA, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee accounts, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Jackson is a financial advisor at Edward Jones in El Cajon, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he was self-employed at Jackson Consulting, Inc. and worked at Marsh & McLennan Agency for 12 years. Outside of his advisory role, he serves as the Head Women’s Golf Coach at Patrick Henry High School. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory and investment services, supported by a nationwide network of over 23,000 financial advisors and $1 trillion in assets under management.

Thania Sotelo is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior work includes positions at Bank of America and Prospera Financial. Outside of advising, she owns and manages two small businesses: an e-commerce company and a photo booth and 360 video service for events. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Michael Montgomery is a financial advisor with Cetera holding a Series 66 designation and 17 years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as Thrivent Investment Management. He is based in El Cajon, CA. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Kevin Appelbaum is a financial advisor at OSAIC with 29 years of industry experience. He holds a Series 63 designation and previously worked for Woodbury Financial Services, Inc. for 11 years. His other business activities include selling fixed insurance products and working with long-term care insurance through a sole proprietorship. OSAIC serves a diverse client base, including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory services and utilizes various tools and third-party platforms to construct and manage portfolios across multiple asset classes.

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.

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.

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.