Tommy Tominna is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1995. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on investment models implemented with oversight from BNY Mellon Advisors.

Ian Lucas is a financial advisor with LPL Financial, holding a Series 65 designation and 18 years of industry experience. Prior to joining LPL Financial in 2024, he spent 13 years at Graham Investment Management, Inc. and has been involved with Vx Logistics LLC since 2020. 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, third-party asset management, and institutional platforms.

June David Caalaman is a Series 66-licensed financial advisor with three years of industry experience. She is currently affiliated with LPL Financial and Mechanics Bank. Her prior experience includes roles at Cetera, Securities America, California Coast Credit Union, and United Cerebral Palsy. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of investment adviser representatives who utilize a variety of portfolio strategies and third-party asset management solutions.

Zhi Hu is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the CFP®, ChFC®, and Series 66 credentials. His prior work history includes roles at JP Morgan Securities LLC and JP Morgan Chase Bank. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Andrew Meram is a Financial Consultant at Fidelity Investments. In this role, he partners with clients to develop holistic financial plans aimed at addressing key risks. His approach involves a four-step process that includes understanding clients' priorities, conducting a diagnostic analysis of their current financial situation, and providing clear recommendations without jargon. Andrew's experience at Fidelity Investments includes roles as Investment Consultant from 2022 to 2024, Relationship Manager from 2021 to 2022, and Financial Representative in 2021. He holds a California Insurance License. Outside of his professional work, Andrew enjoys boating and spending time with his family.

Amy Palmer is a financial advisor at Edward Jones with 18 years of industry experience. She holds a Series 66 designation and has prior experience at Essential Edge Compliance Outsourcing, Independent Financial Group, M Holdings Securities, and Commonwealth Financial Network. 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 and offers a range of investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Gloria Ruuspakka is a financial advisor with LPL Financial in San Diego, CA, holding a Series 65 credential and three years of industry experience. She previously worked with Carson Wealth/Cetera Advisor Networks from 2018 to 2020 and was involved with One Extraordinary Marriage from 2016 to 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by advisor-facing tools.

Dylan Devin is a financial advisor at Cetera with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2019. Prior to that, he was with Foresters Financial Services and has experience with MGM Resorts International and Aztec Shops. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining discretionary and non-discretionary services across various program structures.

Michael Hayes is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He previously worked at Girard Securities before joining Cetera Wealth Services in 2017, continuing with Cetera since 2023. Outside of advising, he is involved in fixed insurance sales and owns businesses in real estate and financial services. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting diverse investment strategies and programs.

Jason Rudolph is a financial advisor at Stifel with 23 years of industry experience. He holds a Series 66 designation and has worked at Stifel Nicolaus & Co Inc since 2016, following prior roles at Morgan Stanley and its affiliates from 2003 to 2016. Outside of his advisory work, he is a co-owner and operator of a snack and beverage vending business run alongside his wife. Stifel serves a diverse client base that includes individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach relies on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Terry Lecompte is a financial advisor with Primerica Advisors based in San Diego, CA. He holds the Series 65 and Series 63 licenses and has three years of industry experience. His prior roles include work with Transamerica Financial Advisors and World Financial Group, Inc., and he has also been self-employed. Outside of advising, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors, as well as corporate and charitable clients. The firm uses model-driven strategies overseen by third-party asset managers and supports account custody through Pershing, managing approximately $15.5 billion in assets under management.

Kennedee Bennett is a financial advisor at Raymond James & Associates with two years of industry experience. She holds a Series 66 designation and has previously worked in various roles including positions at Azusa Pacific University and Poway Gymnastics. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning and investment consulting through a range of portfolio management styles and affiliated research.

Luis Ayala Bautista is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and three years of industry experience. His prior work includes roles at Primerica Financial Services, Landscape, and Honeycutt Farms. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Richard Plum is a CFP® with 37 years of industry experience, currently serving with LPL Financial since 2020. His prior roles include positions at Lucia Securities, RJL Wealth Management, and operating Richard Plum Insurance since 1987. He is also involved with Lucia Capital Group, which supports his LPL business. 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 through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, including access to model portfolios and third-party asset managers, supported by advanced research and operational tools.

Erik Amirkhanyan is a financial advisor at Merrill in San Diego, CA, with a Series 66 credential and less than one year of industry experience. His work background includes roles at Bank of America and various positions outside finance such as at restaurants and electric companies. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Kevin Kirlin is a financial advisor at Charles Schwab with three years of industry experience and a Series 66 designation. His prior work includes roles at Morgan Stanley and Virginia Tech. He has also held seasonal positions with various beach patrol organizations. 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. The firm offers both non-discretionary and discretionary investment solutions supported by a multi-asset portfolio approach and centralized operational infrastructure.

Kevin Choi is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 12 years of industry experience. His prior roles include positions at Northwestern Mutual Investment Services LLC and Shareholders Service Group. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Flavio Castillo is a financial advisor at Edward Jones in San Diego, CA, with six years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory role, Castillo owns and operates Castle Endeavors, LLC, a cleaning company based in Chula Vista, CA. 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 investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Patrick Howard is a financial advisor with LPL Financial in El Cajon, CA, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial in 2023, he worked at Avantax Investment Services and Avantax Advisory Services from 2019 to 2023, and earlier at 1st Global Advisors and 1st Global Capital in 2018 and 2019. Howard also has a longstanding career in accounting as a CPA at Wade, Howard & Associates, CPAs LLP since 2006 and is involved in operating a tax and accounting firm in Austin, TX. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, with advice delivered primarily by investment adviser representatives using a variety of investment strategies and tools.

Brooke Morris is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Fidelity, Brooke worked at Northwestern Mutual Wealth Management Company and had roles at several other firms including SA Consulting and Cortica. Brooke also spent two years involved with The Louis Armstrong Center for Music and Medicine. Strategic Advisers LLC, a Fidelity Investments company where Brooke is based, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and delivers model portfolios to intermediary platforms.