Jeffrey Ott is a financial advisor with Cetera who holds a Series 63 designation and has 42 years of industry experience. He has worked at various firms including First Allied Advisory Services and Volker Financial. Outside of his advisory work, he serves as treasurer of the Tierrasanta Kiwanis Club/Foundation, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of independent advisors and utilizes a multi-manager platform with diverse program options and affiliated partnerships.

Dennis Notchick is a CFP® professional affiliated with Cetera, with 12 years of industry experience. He has held positions at firms including Stratos Wealth Advisors, Mariner Wealth Advisors, and Avantax, and currently operates Integrated Tax and Wealth Management, offering financial and tax planning services. In addition to advisory work, he is involved in tax preparation and insurance sales. Cetera Investment Advisers LLC is a nationwide multi-manager platform serving a diverse client base ranging from individual investors to institutional accounts, offering portfolio management, financial planning, and retirement services through a broad network of independent advisors.

Kelly Rhine is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and 12 years of industry experience. Prior to joining LPL Financial in 2025, Rhine worked at NASA Federal Credit Union for 10 years, CUSO Financial Services for 9 years, and Valic Financial Advisors for 2 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and investment solutions, including third-party asset management and institutional platforms.

Shayla Turganov is a financial advisor at LPL Financial with a Series 66 designation and experience at multiple firms since 2017, including Commonwealth Financial Network and Southern States University. Based in San Diego, CA, she joined LPL Financial in 2026 after several roles outside the industry, such as positions at Graton Casino and Amy's Sushi. 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 wide range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of advisors and various operational tools.

Louie Dolor Jr. is a financial advisor at Cetera with Series 63 and Series 65 credentials. He has one year of industry experience and previously served in the US Navy for seven years. He has also worked with several Cetera entities and attended both UCLA Extension and San Diego State University. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with diverse program options and custodial relationships.

Brian Grigg is a financial advisor with LPL Financial, holding the PFS™ designation and Series 66 license, and has 17 years of industry experience. His career includes roles at Avantax Insurance Services, Hughes Ferguson Grigg LLP, and managing his own firms such as Grigg Financial Group and Brian Grigg CPA. He is also involved in tax preparation and accounting through his ownership of related business entities. 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.

Shannon Cruz is a financial advisor at Morgan Stanley in La Jolla, CA, holding a Series 66 designation with three years of industry experience. She has been with Morgan Stanley and its affiliate for nine years, beginning her career at Morgan Stanley & Co. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and models to assist clients.

Stefan Hartung is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and four years of industry experience. He has worked at Ameriprise since 2020 with a brief gap between 2025 and 2026, and previously spent 13 years at the City of Wuerzburg. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides tailored reports and ongoing advice focused on reliable income and tax-aware withdrawal strategies.

Sarah Yoshisato is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with eight years of industry experience. She has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a wide range of advisory programs and investment strategies supported by a nationwide network of more than 23,700 financial advisors.

Matthew Howard is a financial advisor at LPL Financial with eight years of industry experience. He holds a Series 66 designation and has a background in accounting and tax preparation through his role at HNK, CPAS, LLP and his own entity, MATTHEW HOWARD, CPA INC. Prior to joining LPL Financial in 2023, he worked at Avantax Advisory Services and 1st Global Capital Corp. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services through a large network of representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions with a range of investment solutions including financial planning, third-party asset management, and institutional platforms.

Barry Allred II is a financial advisor at LPL Financial with 28 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Sagepoint Financial, B & C Wealth Management, and OSAIC Services, Inc. In addition to his advisory role, he is involved in a family business through Allred Klein Enterprises LLC. 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 a range of financial planning and investment management solutions, utilizing various models and strategies enabled by advanced operational tools.

Amy Melton is a financial advisor at RBC Capital Markets with two years of industry experience. She holds a Series 66 license and previously worked at Brookfield Asset Management and Northern Trust Corporation. Melton’s educational background includes four years at DePauw University. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual and institutional investors, offering various advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm employs a client-specific investment approach using both in-house and third-party managers, supported by a broad capital-markets platform.

Kevin Carlin is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. He previously worked at Commonwealth Financial Network for nine years before returning to LPL Financial. Outside of finance, he is the owner and designer of Trail Comfort, an online apparel company selling on Etsy, and is involved with Optimal Nutritionals, a nutritional supplement business. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by technology tools and a broad non-advisory financial services network.

Douglas Robinson is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior work includes roles at Nanocellect Biomedical Inc and the Institute of Risk and Safety Analyses. 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 client relationship model that combines non-discretionary advisory recommendations with access to discretionary separately managed accounts and employs multi-asset model portfolios alongside centralized custody and order-routing arrangements.

Thomas Krumenacker is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 63 designation and over 32 years of industry experience. He has been with UBS since 1998. Outside of his advisory role, he is involved with the American Liver Foundation and serves as a patient advocate for the Liver Coalition of San Diego. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor plans for clients. The firm combines institutional trading capabilities with wealth management services, operating in multiple capacities including broker-dealer, investment adviser, and futures commission merchant.

Javier Malfavon is an International Wealth Advisor currently serving as a Vice President at Merrill Lynch Wealth Management. He began his career in 2006 at UBS and joined Merrill Lynch in 2010. Javier has over a decade of experience in the financial services industry, holding FINRA Registrations 7 and 66, a California Insurance License, and the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc. Born in Guadalajara, Mexico, Javier earned a Bachelor of Arts in International Business from ITESM, Guadalajara. He further obtained a Master's degree in Globalization and Development from The University of Warwick in the United Kingdom in 2005. Javier is trilingual, fluent in English, Spanish, and French. His expertise includes family wealth management strategies, international wealth management, managing new wealth, personal retirement planning, and serving clients in sports and entertainment sectors. Outside of his professional duties, Javier has interests in hiking, racquetball, soccer, tennis, traveling, and yoga.

Damian Sanchez is a financial advisor at Merrill with nine years of experience, including five years in the industry. He holds a Series 66 designation and previously worked at Central Casting. Merrill, alongside 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.

Chad Anderson is a financial advisor at Cetera with 20 years of industry experience and holds a Series 66 designation. He has worked at various Cetera entities since 2016 and was previously employed at First Allied Advisory Services, Inc. and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting both discretionary and non-discretionary accounts.

Kevin Mayer is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He works with a diverse client base, including active and retired physicians and business owners, many of whom are members of the LGBTQ community, across San Diego, California, and over ten other states. His advisory services focus on areas such as corporate benefits, family wealth management strategies, services for defined benefit plans, LGBT wealth planning, personal retirement planning, socially responsible investing, and tax minimization. Kevin holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation, awarded by the Certified Financial Planner Board of Standards, Inc., and is a Personal Investment Advisor (PIA). He earned his Bachelor's degree from the University of Phoenix. Leveraging his banking background and comprehensive expertise, Kevin develops multi-pronged strategies that include risk-managed investing, retirement planning, estate planning, insurance, Social Security and Medicare planning, as well as long-term care considerations. He emphasizes educating clients and works collaboratively to align financial plans with their goals and values. In addition to his professional activities, Kevin is involved with the Financial Planning Association and volunteers for San Diego Pride. He enjoys adventure sports, skiing, spending time with his family, and traveling.

Maria Maldonado is a Series 66-registered financial advisor with UBS Financial Services in San Diego, CA, and has 11 years of industry experience. Her career includes over a decade at UBS, interrupted by a brief tenure at AlphaCore Wealth Advisory. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of capital markets and advisory solutions.