Natan Rozen is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2019 and previously spent nine years with IPG Investment Advisors. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and insights from its Global Investment Committee.

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.

Frank Messenger Jr. is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 27 years of industry experience. He joined LPL Financial in 2008 after a brief tenure at Edward Jones. Outside of his advisory role, he operates a bookkeeping and tax preparation business under Messenger Wealth Management. 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 services including financial planning, model portfolios, and access to third-party asset management, supported by a broad platform of tools and resources.

Salvador Lancaster is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 63 designation and 32 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is involved in operating a small online retail business. Morgan Stanley Wealth Management provides a broad range of advisory programs for individual and institutional clients, including tailored financial planning services supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and offers services that encompass retail and institutional offerings alongside specialized investment and planning resources.

Alejandro Valle is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Outside of finance, Valle engages in freelance acting in the arts and culture sector. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory process.

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.

Douglas Gundermann is a financial advisor at Merrill with 23 years of industry experience. He holds a Series 66 designation and has worked at firms including Morgan Stanley, U.S. Bancorp Advisors, and UnionBanc Investment Services. He serves as a board member for the Steele Canyon Estates Homeowners Association in La Mesa, California. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with a range of model-based and discretionary investment strategies.

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.

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.

Dylan King is a Series 66-licensed financial advisor with four years of industry experience. He is currently with J.P. Morgan Securities and JPMorgan Chase Bank, N.A., having joined both in 2025. His prior roles include three years at Edward Jones and five years at JPMorgan Chase Bank, N.A. Before his finance career, he worked at Giovanni's Italian Restaurant for three years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The program combines quantitative and qualitative research and incorporates an ESG eligibility framework within its investment recommendations.

Schuyler White Jr. is a financial advisor at Wells Fargo Advisors with four years of industry experience. He holds the Series 66 designation and previously worked at Ignite Visibility and GoSite. Outside of advising, he serves as a trustee for a family friend’s trust. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, allowing clients to implement recommendations through various brokerage and advisory programs.

Joseph Eben is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and having 32 years of industry experience. He has been with Primerica Advisors since 1993 and also works with H & R Block since 2013. Outside of advising, he is involved in sales of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Jason Theisen is a financial advisor with Cetera in San Diego, CA, holding Series 66 and Series 63 designations with 11 years of industry experience. His prior roles include positions at Truuwater Financial, Stratos Wealth Partners, and Ibis Capital. He is also registered as Practice Operations Coordinator for Pushpin Financial, a Cetera business. Cetera Investment Advisers LLC serves individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with varied program options and custodial relationships.

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.