Lance Pelky is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior experience includes roles at VOYA Financial Advisors and America’s Tax Solutions. Outside of his advisory work, he is involved with Fine Wine Purveyors, a business he owns that is unrelated to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a broad range of advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party providers.

Gabriel Ruz is a financial advisor at Edward Jones with a Series 66 designation and six years of industry experience. Prior to joining Edward Jones in 2019, he worked at Tesla Inc and Solar City. Outside of his advisory role, he is involved in managing a rental property in Chula Vista, California. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Christopher Ouimet is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked with various Cetera entities since 2019 and was previously associated with Foresters Financial Services. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with diverse investment program options.

Alejandro Valle is a financial advisor at Morgan Stanley with 33 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. He holds the Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets.

Faustina Kerr is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 15 years of industry experience. Her background includes roles at First Allied Advisory Services and multiple Cetera entities. Beyond her advisory work, she serves on the board of directors for North Park Little League and is an inspirational author and coach through her business, Guided Connections. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Jennifer Appel is a financial advisor with LPL Financial, holding a Series 66 designation and eight years of industry experience. She has been with LPL Financial since 2016. Outside of her advisory role, she operates McKenna Financial, an entity affiliated with her LPL business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and various investment programs supported by LPL Research and third-party subadvisors.

Tom Gengler is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, and Customer Relationship Advocate. Prior to joining Fidelity, he worked as an Internal Wholesaler at American Funds Distributors and held positions at Janus Capital and Oppenheimer Funds. Tom holds a California Insurance License. His approach centers on gaining a thorough understanding of clients' personal and financial priorities, assessing their risk tolerance, and creating customized plans to help achieve their goals. Outside of his professional work, Tom enjoys activities such as golf, traveling, outdoor adventures, spending time at the beach, exploring culinary experiences, and cars.

Jason Lavely is a CFP® and holds a Series 66 license, with 11 years of experience in the financial industry. He has been with Edward Jones since 2015, working out of San Diego, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. 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.

David Loughlin is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2011. He has been with Fidelity Investments since 2009, progressing through roles including Financial Consultant, Investment Representative, and Financial Representative. Prior to joining Fidelity, he served as AVP, Financial Advisor at Banc of America Investment Services from 2007 to 2009, and held financial advisor roles at TD Ameritrade, Inc. and AXA Advisors, LLC. With over two decades of experience in financial planning, David has worked with a diverse range of clients to develop, implement, and maintain long-term financial plans. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional work, David enjoys baseball, football, golf, puzzles, reading, and traveling.

Simon Petro is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2018. Outside of his advisory role, he has been involved with Access Destination Services since 2015 and previously worked in event production at SD Event Production. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes firm-approved tools and modeling techniques.

Armando Villalobos Jr. is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he works closely with clients to understand their financial priorities and develops strategies aimed at pursuing their short-term, mid-term, and long-term goals. He offers guidance on a range of financial matters including investing, retirement planning, and preparedness for unexpected expenses. Additionally, he connects clients with Bank of America specialists for services related to banking, credit, home financing, and small business solutions. Armando holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. He earned his Bachelor's Degree from San Diego State University. He is also a member of the Phi Kappa Theta Fraternity.

Preston Goldwag serves as a Financial Advisor at Merrill Lynch Wealth Management. He specializes in assisting successful professionals, individuals experiencing significant wealth events, and clients within the sports and entertainment industry. Preston focuses on understanding each client's unique goals to develop personalized investment and wealth management strategies that aim to preserve, grow, and transfer wealth effectively. His expertise encompasses retirement planning, investment management, wealth preservation, education funding, and legacy planning. With a client-first philosophy, Preston emphasizes building long-term relationships founded on trust, transparency, and open communication. He strives to simplify complex financial concepts and provide guidance that enables clients to make informed decisions through changing financial markets and life circumstances. Preston holds a Personal Investment Advisor (PIA) designation and received his high school diploma from Mira Costa. He also attended the University of Colorado System without obtaining a degree. Outside of his professional work, Preston has interests in basketball, cooking, music, reading, and surfing.

Natan Rozen is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2019 and previously spent nine years with IPG Investment Advisors. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and insights from its Global Investment Committee.

Washington Nabong is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012. Outside of his advisory role, he is a partner in a real estate business, Posh Living and Housing Services, which he co-manages with his husband. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm integrates advisory services with affiliated brokerage, distribution, and investment management capabilities.

Madeleine Smith is the Vice President, Wealth Planner at Fidelity Investments. In this role, she focuses on providing clients with a comprehensive understanding of the services offered by Fidelity, aiming to support them in achieving their financial goals. She prioritizes understanding the unique needs of each client and their family to deliver tailored financial planning. Before her current position, Madeleine served as a Financial Consultant at Fidelity Investments from 2020 to 2025, and prior to that, she was a Senior Financial Consultant at TD Ameritrade from 2017 to 2020. She holds a California Insurance License, which supports her work in financial planning and consulting. Madeleine is dedicated to educating and empowering clients throughout their financial planning journey, emphasizing a client experience-focused approach.

Frank Messenger Jr. is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved in accounting and tax preparation through Messenger Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party research, and technology-driven investment strategies.

Dongsoo Lee is a financial advisor with Merrill based in La Jolla, CA, holding Series 63 and Series 66 licenses and bringing 14 years of industry experience. Prior to Merrill and Bank of America, Lee owned LA Costar Education Inc., a tutoring business specializing in Math, English, and Korean. He has managed this business concurrently with his financial advisory career. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional investors. The firm integrates its capabilities with Bank of America’s broader corporate platform, providing extensive product access and related financial services.

Salvador Lancaster is a financial advisor at Morgan Stanley with 31 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he operates an online retail business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses firm-approved planning tools and market simulations to support its financial planning services.

Alejandro Valle is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Outside of finance, Valle engages in freelance acting in the arts and culture sector. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory process.

Natalie Gamarra Loza is a Wealth Management Planning Consultant at Fidelity Investments, a position she has held since 2022. In this role, she partners with Wealth Management Advisors and a team of specialists to understand clients' goals and objectives, assisting in building personalized financial plans. Her professional experience includes serving as a Wealth Management Associate at Morgan Stanley from 2020 to 2022, a Registered Client Associate at TD Ameritrade from 2019 to 2020, and a Financial Advisor at Patelo Credit Union from 2017 to 2018. She holds a California Insurance License.