Mark Huhn is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and having 31 years of industry experience. He has worked at Charles Schwab since 2001 and Charles Schwab Bank since 2005. Outside of his advisory role, he is involved in rental property ownership, which is primarily managed by his wife. Charles Schwab serves a large client base of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment program.

Inna Kelly is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and having 28 years of industry experience. She has worked at Morgan Stanley Private Bank since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009, following prior experience at Citigroup Global Markets beginning in 1997. Morgan Stanley Wealth Management serves both individual and institutional clients, providing tailored financial planning and a range of advisory programs. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and market simulations.

Nathaniel Ihm is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. He has been with LPL Financial since 2014 and briefly worked at Independent Financial Group, LLC the same year. Outside of advising, he is involved with Crown City Financial Services, LLC dba Westax, a tax preparation and accounting business. 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 offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Brian Kettmann is a financial advisor at Wells Fargo Advisors with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley and J.P. Morgan Securities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Enola Gay Kipte is a Series 66-registered financial advisor with Edward Jones in San Diego, CA, beginning her advisory career in 2025. Her prior experience includes roles at TD Bank N.A., Federal Savings Bank, and Andrews Federal Credit Union. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a nationwide network of financial advisors and branch offices.

John Skoblar is a financial advisor at Fidelity with one year of industry experience and holds the Series 66 designation. His prior work includes roles at Crowe LLC and Cal Poly Associated Students Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe.

Daniel Rosen is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he serves as an executor and co-executor for a trust in Massachusetts. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers diverse investment and financial product services through its extensive network.

Michael Dose is a financial advisor at Cambridge Investment Research Advisors with 38 years of industry experience. He holds the ChFC® and Series 63 designations and has been affiliated with multiple firms including Dempsey Lord Smith, LLC and Center Street Securities. Dose is also involved as an agent in insurance and benefits-related activities and operates under the DBA The Retirement Strategy Connection. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement plan advisory services through independent financial professionals using a range of portfolio management and model-based strategies.

William Gaston is a financial advisor with Charles Schwab in La Jolla, CA, holding Series 63 and Series 66 licenses and with 19 years of industry experience. He has worked at Charles Schwab since 2011 and at Charles Schwab Bank since 2014. Outside of his advisory role, he is an owner of rental property. 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 a multi-asset, model portfolio investment approach supported by Schwab Center for Financial Research.

Luis Franco Jr. is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 designations and has eight years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and MUFG Union Bank, and serves in the United States Navy. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Keith Dilloway is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 licenses and 23 years of industry experience. His prior roles include positions at Morgan Stanley and Commonwealth Financial Network. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Drew Slacum is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 credential and having 22 years of industry experience. He has been with Morgan Stanley and its affiliates since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is a player in the National Pickleball League. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Estela Maria Carvalho Almeida is a financial advisor with Charles Schwab who holds a Series 66 designation. She has been in the industry since 2025 and previously worked at San Diego County Credit Union and Uber Eats. Based in La Jolla, CA, Almeida has experience in diverse fields including financial services and customer-focused roles. 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 mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized operational support.

Tian Lin is a financial advisor with Charles Schwab & Co., Inc. in San Diego, CA, holding Series 66 and Series 63 licenses and having two years of industry experience. Prior to joining Charles Schwab, Tian was involved in homemaking and early childhood education, including work at Frisco Community Bible Church Christian Preschool. 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 supported by research from the Schwab Center for Financial Research.

Steven Lahre is a financial advisor with RBC Capital Markets in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 46 years of industry experience. He has worked at RBC Capital Markets since 2012 and at City National Bank since 2016. Lahre serves on the board of the San Diego High School Academy of Finance, where he mentors students and provides guidance. RBC Wealth Management, a division of RBC Capital Markets, LLC, offers a range of advisory programs and financial services to individuals, institutions, pension plans, corporations, and charitable organizations. The firm customizes investment strategies based on clients’ risk profiles and utilizes both in-house and third-party managers, with options for tax management and responsible-investing screens.

Luke Ervin is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves as a board member and Treasurer for the La Jolla Golden Triangle Rotary Club Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Emilia Rivera is a financial advisor at Morgan Stanley with seven years of industry experience. She previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA, and earlier in her career at Skechers U.S.A. She holds the Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, using firm-approved tools and methodologies to support its advisory services.

Ryan Rose is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. He is also involved in group insurance through Chubb. LPL Financial is a national broker-dealer and 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 and model portfolio programs, supported by a large network of advisors and various institutional platforms.

Adrijan Lubura is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2025, he worked at DoorDash and operated a music recording studio, Switchboard Studios, where he was the sole proprietor. He continues to operate Switchboard Studios, providing music recording and mixing services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory work for registered investment companies and charitable funds. The firm employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Nathan Medina is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He previously worked at Merrill from 2001 to 2003 before joining LPL Financial in 2003. Medina is also involved in tax preparation and planning through his separate business, Nathan Medina Tax Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various managed portfolio programs, utilizing both proprietary research and third-party strategies.