Michael Montgomery is a financial advisor with Cetera holding a Series 66 designation and 17 years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as Thrivent Investment Management. He is based in El Cajon, CA. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Christopher Pennington is a Series 66-registered financial advisor with UBS Financial Services in San Diego, CA, and has 26 years of industry experience. He previously worked at Morgan Stanley from 2001 to 2008 before joining UBS in 2013. Outside of his advisory work, Pennington is an officer of Pennington's Inc. Auto Sales and Leasing, a family-owned business, and is involved as a partner in PMR Holdings LLC, which invests in real estate, hotels, and rentals. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans and delivers both fiduciary financial planning and capital markets services.

David Afzal is a financial advisor at Osaic Wealth with 27 years of experience. He holds Series 63 and Series 66 credentials and previously worked at SagePoint Financial, Inc. and National Planning. Outside of his advisory role, Afzal serves as Treasurer and board member of the Stonecrest Village Homeowners Association, where he reviews and interprets financial statements. Osaic Wealth provides a wide range of brokerage and advisory services to retail and institutional clients, including high-net-worth individuals, retirement plans, charities, and corporations. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by a variety of managed account programs and third-party manager offerings.

Kevin Bowcock is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Stifel since 2019. He previously worked at Wells Fargo Clearing from 2016 to 2019. Bowcock is a board member of the Escondido East Rotary. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing brokerage and advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Eben Kohn is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked at Guidepoint for four years and has experience in transportation studies and education. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products through a nationwide network of financial advisors and branch offices.

Monique Herrera Chalker is a financial advisor at LPL Financial with a Series 66 designation and six years at LPL following eight years at Lucia Securities. She has a total of 14 years of industry experience. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning, portfolio management, and institutional platforms.

Kim Shoesmith is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 credentials and 23 years of industry experience. She has been with Edward Jones since 2002. Outside of her advisory role, she performs with the band One Day Closer. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including managed solutions and separately managed accounts, and maintains a broad advisor and branch network across the United States.

Evan Cantalupo is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at Cetera Investment Services and Foresters Advisory Service. Outside of advisory work, he is active as an Airbnb host. 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 portfolio programs, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors and various operational tools.

Brady Foley is a financial advisor at LPL Financial with 27 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2009, previously spending eight years at Raymond James Financial Services and one year at Raymond James Financial. Outside of his advisory role, Foley is involved with Foley Financial Services, Inc., a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, and institutional platforms, with advice delivered by investment adviser representatives who utilize a variety of investment strategies and operational tools.

Alejandro Sardon is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has prior experience at First Citizens Bank and the Vienna University of Economics and Business. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kevin Appelbaum is a financial advisor at OSAIC with 30 years of industry experience. His prior roles include positions at Woodbury Financial Services, LPL Financial, J.P. Morgan Securities, Chase Investment Services, Merrill, Banc of America Investment Services, and Wamu Investments. He holds a Series 63 designation. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, with access to discretionary and third-party manager strategies.

Benjamin Grad is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. Prior to joining Ameriprise, he worked at First Command Advisory Services and First Command Financial Planning. He is also the owner of SFCS, Inc., a business unrelated to investment activities. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, offering tailored written recommendations on income, Social Security, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support retirement planning, with a focus on assets held in Ameriprise-managed accounts.

Rob Sanders is the Vice President, Wealth Planner at Fidelity Investments. He has been with Fidelity since 2012, holding various roles including Investment Consultant, Financial Consultant, Investment Solutions Consultant, and currently serving as a Wealth Planner since 2022. His professional experience centers on wealth planning and investment consulting. Rob holds insurance licenses in Arkansas and California. He emphasizes experience, dedication, and integrity in his work, aligning with Fidelity's brand, ethics, and access. Outside of his professional responsibilities, Rob's personal interests include cars, cooking and baking, family activities, parenthood, sailing, and soccer.

Karim Gadalla is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 66 and Series 63 licenses. His prior work experience includes roles at TD Ameritrade, Doordash, Caliclean, ESERP Business School, and Careem. Charles Schwab & Co., Inc. serves a large client base, 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 and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Douglas Peart is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2016. Prior to that, he was with Prudential Equity Group, LLC for six years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets. The firm provides a range of brokerage and advisory solutions and employs research-driven investment evaluation methods.

Stephen Anderson is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior work includes positions at Fsc Securities Corp and OSAIC Services, Inc. Anderson is also the owner and president of Anderson Wealth Management Corp, a firm providing tax and legal liability services. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through various platforms and proprietary model strategies.

Ryan Locanto is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 26 years of industry experience. He previously worked at UBS Financial Services from 2000 to 2005 before joining Wells Fargo Clearing in 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Adolfo Valencia is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 designations and four years of industry experience. His prior roles include positions at Alameda Mortgage Corporation and Royal Mortgage Solutions. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations.

Erin Johnson is a financial advisor with LPL Financial in San Diego, CA, holding the CFP® designation along with Series 63 and Series 65 licenses. She has 18 years of industry experience, including prior roles at Valic Financial Advisors and Nationwide Investment Advisors. Outside of her advisory work, Johnson is involved with GradePoint Insurance Group LLC, a non-variable insurance 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 broad range of financial planning and investment services through a large network of advisors, utilizing both proprietary and third-party strategies and incorporating technology-driven research tools.

Todd Johnson is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has been associated with Cetera and its affiliated firms since 2013. Johnson is also involved with Celeste Financial Group, a financial services DBA, where he performs client relations and administrative duties. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and oversees more than $256 billion in assets across a network of over 10,000 advisors.