Michael Chamberlain is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 27 years of industry experience. He has been with Cetera and its related entities since 2013. Outside of his advisory role, he serves as a co-executor in a fiduciary capacity. Cetera Investment Advisers LLC provides services to individual clients, retirement plans, corporate and charitable organizations, and institutional accounts 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 discretionary and non-discretionary program options.

Jacob Sutton is a CFP® professional with 19 years of industry experience, currently practicing at Edward Jones since 2006. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved in a condo rental business in Carlsbad, 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 wide range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Allison Jewett is a Financial Advisor at Merrill Lynch Wealth Management. She holds the Chartered Retirement Planning Counselor (CRPC) designation and has obtained two bachelor's degrees from the University of Cincinnati. Allison works closely with clients to develop personalized financial plans that address their unique ambitions, including funding education, retirement planning, and managing potential healthcare costs. Her approach emphasizes simplicity and transparency to help clients navigate the complexities of investing and wealth planning.

Patrick Denis is a ChFC® with 25 years of industry experience. He is currently with Raymond James & Associates, where he has worked since 2023. His prior experience includes roles at Concourse Financial Group Securities, Protective Life Insurance Company, AIG Capital Services, and American General Life Insurance. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, pension plans, and charitable organizations, offering financial planning, investment consulting, and municipal advisory services.

Conor Devany is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2012, also working at Bank of America since 2015. 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 model-based and discretionary investment strategies.

Zachary Rogers is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, OneAmerica, and GoldBook Financial, along with positions outside finance such as with the Ultimate Fighting Championship and UFC Fit. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brett Atkinson is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2020. Prior to this, he worked for Ameriprise Financial Services, Inc. for 11 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Isaac Morales Osuna is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Outside of his advisory role, he is the owner of a rental property. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes structured financial planning supported by firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Hayley Beard is a CFP® with 18 years of industry experience and has been with Edward Jones since 2015. She holds the Series 63 and Series 66 licenses and is based in Coronado, 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 under management and offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Susan Boas is a financial advisor at Merrill with 30 years of industry experience. She has held her position at Merrill since 2007 and holds Series 63 and Series 65 designations. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Hankin is a CFP®-designated financial advisor with 31 years of industry experience. He is currently with Cetera, where he has worked since 2013, including time at Cetera Advisors LLC. Outside of his advisory role, he serves as a committee member for the Willow Creek Homeowners Association, reviewing property improvement applications to ensure compliance with guidelines. Cetera Investment Advisers LLC is an SEC-registered adviser supporting individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Helena Xu is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. She has been with UBS Financial Services since 2010. Outside of her advisory role, she is involved with the San Diego Women's Foundation in community service. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor client plans.

Karla Camarena Villarreal is a financial advisor with Merrill in San Diego, CA, holding a Series 66 credential and 18 years of industry experience. She has worked at Merrill since 2019 and previously spent five years at RBC Capital Markets. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Nils Clark is a Certified Financial Planner (CFP®) and holds a Series 66 license with 25 years of industry experience. He has been with UBS Financial Services in San Diego since 2015. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and delivers advisory services supported by proprietary research and model-based asset allocations.

Steven Davis is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and possessing 38 years of industry experience. His prior roles include seven years with Morgan Stanley DW Inc. and seven years at Independent Financial Partners. 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 provides a range of advisory and brokerage services supported by technology and research, overseeing over $819 billion in discretionary assets through a large network of advisors.

Adrian Prado is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Cetera, he worked at Planmember Securities Corporation for eight years. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, corporate, retirement plan, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and provides access to various third-party money managers and program platforms.

Rebecca Kamiura is a financial advisor at Fidelity with five years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. She holds a Series 66 designation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios, and has registered roles with the CFTC and multiple fund advisory responsibilities.

Peter Bell Jr. is a CFP® certificant with 33 years of experience in financial advising, currently with Cambridge Investment Research Advisors. His prior roles include positions at Cetera and LPL Financial. He also serves as an agent at The Katz Nassau Agency, Inc., a business focused on insurance, benefits, and human resources. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent financial professionals, utilizing a variety of portfolio management approaches and platform arrangements.

James Farley is a Series 66 licensed financial advisor with 20 years of industry experience. He has worked at Cetera since 2014 and was previously with Legend Equities Corporation from 2015 to 2019. He is currently based in San Diego, CA. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors and provides access to multiple program structures and third-party managers.

Kylie Cusick is a CFP® and holds a Series 66 license, with eight years of industry experience. She has worked at Wells Fargo Clearing since 2017 and previously was employed at Banco Falabella from 2015 to 2017. Outside of her advisory role, she serves as a board administrator for the Fresh Start Surgical Gift Foundation in Carlsbad, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory solutions. The firm’s investment approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.