Andrew Udvari is a financial advisor with Charles Schwab, holding a Series 66 designation and nine years of industry experience. He has been with Charles Schwab & Co., Inc. since 2017 and Charles Schwab Bank since 2018. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships alongside discretionary separately managed accounts, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Justin Wees is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 licenses and having 27 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2003 and 2005, respectively. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Brendan Davis is a financial advisor with Cetera in San Diego, CA, holding a Series 66 credential and 13 years of industry experience. He has worked at several firms, including Merrill, Edward Jones, and Nationwide Investment Services Corporation. Outside of advising, he serves as a notary for client documents. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of investment management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Ryan Pinkerton is a financial advisor with LPL Financial and holds a Series 66 designation. He has six years of industry experience, including prior roles at Securian Financial Services Inc, North Star Resource Group, and Minnesota Life Insurance Co. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Renata Jaskiewicz is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She joined LPL Financial in 2010 after a brief tenure at Ameriprise. Outside of advising, she is a licensed notary public and provides tax preparation services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, 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, supported by a large network of investment adviser representatives.

Robert Demmler is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 65 designations and possessing 52 years of industry experience. He has worked at Merrill and its related entities since 1971 and has been affiliated with Bank of America since 2009. Merrill, along 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Dan Foster is a CFP® with 42 years of industry experience, currently serving as a financial advisor at Cetera. He has been associated with Cetera Advisors LLC since 2014 and leads AIM Financial Consulting Group Inc, which he founded in 1984. Outside his advisory role, Foster is involved in nonprofit work through The Alley Food Ministry, providing food assistance to homeless and food-insecure individuals, and volunteers pro bono financial advice to disabled veterans via Homes For Our Troops. Cetera Investment Advisers LLC is a large SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services, operating a multi-manager platform that allows advisors to implement model portfolios or bespoke strategies under various program structures.

Jesus Loje Sanchez is a financial advisor affiliated with Merrill Lynch Wealth Management. He has over eight years of experience in the financial services industry, leveraging his background in banking with both personal and institutional clients. Jesus specializes in providing tailored financial planning strategies to help individuals and families preserve and grow their assets. His areas of expertise include family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, socially responsible and ESG investing, tax minimization, and retirement income. As a bilingual professional fluent in both Spanish and English, Jesus serves a diverse clientele, offering ways to optimize financial health and achieve long-term priorities. Jesus holds the Certified Plan Fiduciary Advisor (CPFA) designation. He earned his High School Diploma from Santana High School and an Associate's Degree from Grossmont College. Born and raised in San Diego's East County, he enjoys an active lifestyle, including activities such as cooking, music, skiing, surfing, and watching movies.

Ana Cuadras is a financial advisor at Morgan Stanley with five years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley since 2019. Her prior work experience includes roles at Uber, Petsmart, The Container Store, and the University of Arizona. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs. The firm emphasizes structured financial planning supported by proprietary tools and offers services that integrate global market insights without providing individual security recommendations as part of standalone planning.

Jackson Cusick is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has previously worked at Cetera Wealth Services, North Star Resource Group, and Minnesota Life Insurance Co. His work history also includes experience at Securian Financial Services Inc and CRI Securities LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting, relying on research and analytics from Wells Fargo Investment Institute and third-party sources.

John Hardin II is a financial advisor at Primerica Advisors with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Primerica since 1998. His prior work includes roles at San Pasqual Academy, New Alternatives Group Home, the California Department of Corrections & Rehabilitation, and WinCo Foods. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors and charitable clients. The firm employs model-delivery strategies managed by third-party asset managers and offers a range of investment approaches including strategic, tactical, and tax-managed models.

Reynaldo Pajarillo is a financial advisor with Cetera, holding a Series 66 designation and 28 years of industry experience. His prior roles include positions at TD Ameritrade, Thrivent Advisor Network, and Apex Fintech Solutions. He currently serves as an advisor at multiple Cetera entities. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through multiple program structures and manager options.

Amanda Bonomi is a CFP® with 18 years of industry experience, currently serving at Osaic. She has previously worked at Securities America Advisors and Foothill Securities, among other firms. Outside of advisory work, she is involved as Vice President of Jade San Diego, a nonprofit supporting youth athletics in low-income areas. Osaic Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach includes model-based asset allocation, portfolio optimization, and access to third-party money managers and proprietary strategies.

Kyle Campa is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Chase Investment Services Corp, TD Ameritrade, and Charles Schwab Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a mix of non-discretionary and discretionary investment management along with brokerage and custody services. The firm is notable for its scale and integrated structure, combining advisory relationships with access to affiliated discretionary separately managed accounts and a formal alternative-investment program.

George Lafear Jr. is a financial advisor with Primerica Advisors, holding Series 63 and Series 65 credentials and 19 years of industry experience. His work history includes multiple tenures at Primerica Advisors, as well as roles at the University of Redlands and Morongo Casino Resort and Spa. He is involved in sales of investment-related products and home security and automation services through Primerica affiliates. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, including non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm uses model-delivery strategies managed by third parties and supports trade execution and custody through BNY Mellon Advisors and Pershing.

Jonathan Anderson is a financial advisor at Cetera with 18 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with multiple firms, including Girard Securities and Summit Brokerage Services. He serves as treasurer of the nonprofit Legatus. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that combines affiliated and third-party investment strategies.

Jason Lewis is a Series 66-licensed financial advisor with 19 years of industry experience. He is currently with LPL Financial and has prior experience at Cadaret Grant & Co, CUSO Financial Services, Atria Wealth Solutions, and Morgan Stanley. 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 institutions. The firm offers a range of financial planning and portfolio management options, utilizing model portfolios, third-party subadvisors, and customized strategies.

Scott Kilian is a CFP® with 23 years of industry experience, currently affiliated with LPL Financial. His career includes multiple tenures at LPL Financial as well as roles at The Family Firm, Inc., Delphi Private Advisors, Commonwealth Financial Network, and Centara Capital Management Group. 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, participant-level retirement advice, and institutional platforms, utilizing a range of investment strategies supported by research and technology tools.

Valerie Saucedo is a CFP® with seven years of industry experience, currently an advisor at LPL Enterprise. Her prior roles include positions at The Prudential Insurance Company of America, UBS Financial Services, and Harbour Investments, Inc. She is based in San Diego, CA. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, and institutional entities. The firm’s investment approach is model-driven, using portfolios developed internally or by third-party strategists, and offers access to a variety of financial planning and asset management solutions.

Megan Gunn is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 registrations and bringing 20 years of industry experience. Her prior work experience includes roles at First Republic Bank, J.P. Morgan Securities, and JPMorgan Chase Bank. Outside of her advisory work, she serves as an independent consultant mystery shopper for several consumer service companies. Charles Schwab & Co., Inc. serves primarily 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 and discretionary investment solutions supported by extensive research and integrated operational capabilities.