Matthew Howard is a financial advisor with LPL Financial in El Cajon, CA, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Avantax Advisory Services and 1st Global Capital Corp., as well as over a decade in accounting firms such as Wade, Howard & Associates, CPAs LLP. He is also involved in tax preparation and accounting through his business entity, HNK, CPAS, LLP. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a range of clients including individuals, retirement plans, banks, and charitable organizations. The firm provides various advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and multiple portfolio options.

Barry Allred II is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 27 years of industry experience. He previously worked at Sagepoint Financial, Inc. for nine years before joining LPL Financial in 2018. Outside of his advisory role, he is involved in a family business, Allred Klein Enterprises LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with access to model portfolios, third-party subadvisors, and various portfolio management 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.

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 at Merrill Lynch Wealth Management, where he holds the position of Vice President. He began his career in 2006 at UBS and joined Merrill Lynch Wealth Management in 2010. Javier specializes in areas including Family Wealth Management Strategies, International Wealth Management, Managing New Wealth, Personal Retirement Planning, and Sports & Entertainment. Javier has over 10 years of experience in the financial services industry. He holds FINRA Registrations 7 and 66, as well as a California Insurance License. Additionally, he is a CERTIFIED FINANCIAL PLANNER® certified by the Certified Financial Planner Board of Standards, Inc., and holds the Personal Investment Advisor (PIA) designation. Born in Guadalajara, Mexico, Javier earned a Bachelor's degree in International Business from ITESM, Guadalajara. In 2005, he obtained a Master's degree in Globalization and Development from The University of Warwick in the United Kingdom. He is trilingual, fluent in English, Spanish, and French. Outside of his professional work, Javier's personal interests include hiking, racquetball, soccer, tennis, traveling, and yoga.

Damian Sanchez is a financial advisor with Merrill in Chula Vista, CA, holding a Series 66 designation and nine years of industry experience. He has been with Merrill since 2017 and previously worked at Central Casting for one year. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based, discretionary, and related investment strategies to a broad client base including individuals, high-net-worth clients, and institutional accounts. The firm operates within Bank of America’s broader platform, which includes access to a wide range of financial products and services.

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.

Jessie Deck is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and 16 years of industry experience. She has been with UBS Financial Services since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and providing research-based, model-driven financial planning and portfolio management.

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.

Daniel Fuentes is a Series 66-registered financial advisor with Charles Schwab, based in San Diego, CA, and has two years of industry experience. His prior work includes roles at Mutual of Omaha and Pacific Home Care, as well as five years in full-time education. 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 multi-asset model portfolios backed by research from the Schwab Center for Financial Research.

David Jones is a Series 66 licensed financial advisor at Edward Jones with 10 years of industry experience. He has been with Edward Jones since 2015, working in El Cajon, 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, operating under a fiduciary standard.

Steven Simmons is a financial advisor with Osaic Wealth, Inc. in San Diego, CA. He holds Series 63 and Series 65 credentials and has 29 years of industry experience. Prior to joining Osaic in 2023, he worked at AIG Financial Advisors for 21 years. His outside activities include providing estate planning services and mortgage origination loans. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with a focus on asset allocation tools, risk assessment, and a broad range of investment options across multiple platforms.

Rachel Arendt is a financial advisor with UBS Financial Services in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with UBS since 2016. Outside of her advisory work, she owns and manages rental properties. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary research and model-based asset allocations to tailor portfolios. The firm integrates institutional trading capabilities with wealth management, offering a wide range of financial products and services.

Maria Granlund is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services and Morgan Stanley. Granlund is also a commissioned Notary Public in San Diego County, California. 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 grounded in modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

Fernando Vivanco is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked with both Merrill and Bank of America since 2011. Outside of his advisory role, Vivanco pursues music production as a hobby, where he is a producer, songwriter, and singer, sharing his work on platforms like YouTube and Spotify. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and corporate fiduciaries.

Jeramy Larson is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets starting in 2006. Outside of his financial career, he co-owns a photography business with his spouse. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering a range of retail and institutional investment services.

Cesar Fierro is a financial advisor with Charles Schwab who holds Series 63 and Series 66 credentials and has eight years of industry experience. His prior experience includes roles at TD Ameritrade, Independent Financial Group, and Wells Fargo Clearing. 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 affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by due diligence from Schwab Center for Financial Research.

Joseph Irace is a Financial Consultant at Fidelity Investments, where he partners with individuals and families to provide holistic financial planning. His approach focuses on aligning financial strategies with clients' personal goals, utilizing Fidelity's platform and resources to support wealth building and protection. Joseph has held several roles within Fidelity Investments, including Investment Consultant and Central Relationship Manager, before becoming a Financial Consultant in 2025. His prior experience includes positions at Cetera Financial Group, CION Investments, PGIM Investments, and Merrill Edge, giving him a broad perspective on financial services and investment solutions. He holds a California Insurance License. Outside of work, Joseph enjoys fitness, social events with friends, hiking, music, spending time with pets, and reading.

Troy Pangelinan is a CFP® professional with two years of industry experience, currently affiliated with Osaic. He previously worked at San Diego Wealth and F.A.I.T.H. Driven Planning and served six years in the United States Air Force. His background also includes a role with DNA Clothing. Osaic Wealth, Inc. serves a diverse client base that includes individual investors, institutional clients, and charitable organizations through a large network of financial advisors. The firm offers integrated brokerage and advisory services, employing various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types.