Christopher George is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he is a partner overseeing property management at a retail shopping center partnership. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services supported by proprietary research and asset allocation models.

Nicola Hanna is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and over 21 years of industry experience. Prior to joining LPL Financial in 2025, Hanna worked for Raymond James Financial and Raymond James Financial Services from 2008 to 2025, and at Cavanaugh Financial Group from 2012 to 2018. Outside of advising, Hanna is a business owner of Big Lick Racing Inc and is involved in sports memorabilia sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Edwin Espinal is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the CFP® and Series 66 designations and has been with Charles Schwab and its affiliated banking entity since 2015. Charles Schwab & Co., Inc. provides wealth advisory and managed-account services primarily to high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

William Sparks is an International Wealth Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, international wealth management, and portfolio management services. William holds a master's degree from the Thunderbird School of Global Management and a bachelor's degree from the California State University System. He holds the Personal Investment Advisor (PIA) designation. He is affiliated with the professional organization Los Angelitos de Encinitas and actively participates as a community volunteer. Outside of his professional work, William enjoys baseball, biking, camping, reading, swimming, traveling, and spending time with his family. His approach to advising centers on working one-on-one with clients to develop personalized financial strategies aligned with their long-term goals.

Stephen Gelina is a financial advisor with Fidelity in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has been affiliated with various Fidelity entities since 2013. Outside of his advisory role, he is the sole proprietor of CSMJS Great Adventures, LLC, a real estate funding company focused on location research, site investigations, and land analysis. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to diverse client groups, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Kevin Keil is a financial advisor at LPL Financial with five years of industry experience. He holds the Series 66 designation and has worked previously at Securian Financial Services, Minnesota Life Insurance, North Star Resource Group, CRI Securities, and Health IQ. Outside of his advisory role, he is the owner of Sail Bay Group, a business unrelated to investments. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of financial planning, advisory, and brokerage services, employing both discretionary and non-discretionary management and offering access to model portfolios, research, and various strategies.

Alexander Howell is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and 20 years of industry experience. He has been with UBS Financial Services since 2008. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor client solutions.

Thomas Boles is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera Advisors LLC since 2013. Boles is also the president and owner of United Financial Consultants Inc and Coastal Dragons Rugby Inc, where he serves as a board treasurer. Additionally, he provides tax services as an IRS enrolled agent. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of investment management and financial planning services through a multi-manager platform with access to various portfolio models and custodial relationships.

Gabriel Garibay is a Wealth Management Senior Relationship Manager who partners with self-directed ultra-high-net-worth clients. In this role, he serves as the primary point of contact and provides comprehensive support to address both their financial and service needs. His professional experience includes positions at Fidelity Investments from 2020 to 2026, where he progressed from Financial Representative to Planning Consultant. Prior to that, he worked at JP Morgan Chase Bank N.A. from 2010 to 2020 in roles ranging from Relationship Banker to Private Client Banker. Gabriel holds a California Insurance License. Outside of his professional career, Gabriel has interests in comedy, hiking, music, parenthood, pets, and traveling.

David Moran is a financial advisor with Equitable Advisors in La Mesa, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2003, previously associated with Axa Advisors. Outside of his advisory role, Moran serves as a board member of the East County Chamber of Commerce and owns Five2 Studios, a non-investment related business. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

James Needy is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 licenses with four years of industry experience. His prior roles include positions at NYLife Securities and work in sports coaching, including as a high school football coach and pitching coach. Outside of finance, he serves as president of a community group and coaches multiple youth sports teams. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets with a nationwide network of more than 23,000 advisors, offering a range of advisory programs, tax-efficient services, and affiliated investment options.

Stephen Cota is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 29 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory work, he is involved in the life insurance business through non-variable insurance activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options.

Steven Thu is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Steven's expertise spans various aspects of financial planning and retirement benefits consulting. He earned his High School Diploma/GED from Monte Vista High School. Steven's role involves advising clients on wealth management strategies aligned with their retirement and investment goals.

Kimberly Kurek is a Series 66-licensed financial advisor with LPL Financial in La Mesa, CA, where she has worked since 2014. She has 10 years of industry experience. Outside of her advisory role, she is involved with Summit Financial Group, which includes investment-related services and tax preparation. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, and institutions through a national network of investment adviser representatives. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from multiple sources.

Ryan Ramirez is a financial advisor at UBS Financial Services with two years of industry experience. He holds the Series 66 designation and has previously worked at Bryant University and Torrey Pines High School. 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 financial plans. The firm combines wealth management with institutional trading capabilities, including futures commission merchant activities and principal trading.

Robert Farwell is a CFP® with six years of experience at Edward Jones and five years in the financial industry overall. Prior to joining Edward Jones in 2020, he worked at ProLearning Source Inc for nine years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

James Lynch is a financial advisor at RBC Capital Markets with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Lynch is based in San Diego, CA. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies based on each client’s risk profile and utilizing a combination of in-house and third-party investment managers.

Curran Robertson is a CFP® with five years of industry experience, currently serving as a financial advisor at Morgan Stanley. Prior to joining Morgan Stanley, he worked at City National Bank and RBC Capital Markets. He serves on the Advancement Committee for Nativity Prep Academy, a nonprofit focused on supporting first-generation college-bound students from under-resourced families. Morgan Stanley Wealth Management provides tailored financial planning and advisory services to individuals and institutions, managing approximately $2.74 trillion in client assets through a variety of programs and strategies.

Cameron Noorany is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He previously worked at LPL Financial LLC for 22 years and serves as president of RMW Consulting, a financial services firm he has operated since 2003. Noorany is also an insurance agent selling fixed insurance products and is a board member of Advisors Choice Insurance Brokerage Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm provides a multi-manager investment platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Lindsay Takacs is a Financial Consultant at Fidelity Investments, where she has been working since 2021. She collaborates with clients to create financial plans tailored to their individual and family goals, emphasizing the importance of trust and reliability in her client relationships. Prior to her current role, Lindsay held the positions of Relationship Manager and Financial Representative at Fidelity Investments from 2018 to 2021. Lindsay holds a California Insurance License, supporting her expertise in financial consulting and planning. Her approach focuses on maintaining competency and building lasting relationships with her clients. Outside of her professional work, Lindsay has personal interests in the beach, fitness, and Pilates.