Jose Ramos is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2008. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement who meet certain asset thresholds, providing detailed, tax-smart withdrawal and Social Security claiming recommendations. The firm combines research, modeling, and algorithmic tools to generate personalized plans delivered through a centralized consulting team.

John Ellis is a CFP® professional with 18 years of industry experience, currently serving as an advisor at LPL Financial since 2018. His prior experience includes roles at Lucia Securities, LLC, RJL Wealth Management, LLC, and Raymond J. Lucia Companies, Inc. based in San Diego, CA. Outside of his advisory work, he operates Ellis Financial Group, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of financial planning and advisory services through a large network of representatives. The firm serves individuals, retirement plans, banks, and institutions with diverse investment strategies and integrated financial solutions.

Gabrielle Dubick is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and seven years of industry experience. She has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2016. 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 screens and qualitative research to develop model asset allocations, incorporating ESG eligibility frameworks and utilizing broader derivatives and commodities capabilities.

Matthew Costanzo is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked with Cetera Advisors LLC since 2013 and also operates Costanzo Financial Group as COO and advisory representative. Additionally, he provides consulting services on mergers and acquisitions, leadership, and process improvement, and volunteers with Volunteers of America. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform including discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Michael Mckenzie is a financial advisor at UBS Financial Services with 24 years of industry experience. He holds the Series 66 designation and has worked at UBS Financial Services since 2017, following a brief period at RBC Capital Markets. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research.

Kha Hoang is a financial advisor at LPL Financial with 10 years of industry experience and holds a Series 66 designation. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Edward Jones. He has a side involvement in real estate rental activities in Lakeside, California. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides financial planning, portfolio management, and institutional platforms to individuals, retirement plans, banks, and trust companies. The firm supports advisors with research, third-party subadvisors, and technological tools while offering an array of non-advisory financial services.

Debora Meskell is a financial advisor at Edward Jones with 14 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2012. Outside of her advisory role, she is a signatory for a real estate holding company involved in building a new office. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a large nationwide network of advisors and branch offices, offering a range of advisory and investment solutions under a fiduciary standard.

Jack Plew is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Merrill Lynch and Northwestern Mutual. 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 and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and includes broader derivatives and commodities capabilities.

John Steccato is a financial advisor with Equitable Advisors in Carlsbad, CA, holding a Series 66 designation and 24 years of industry experience. He has worked at Equitable Advisors and its predecessor, Axa Advisors, since 2001. Equitable Advisors serves individual clients, including both non-high-net-worth and high-net-worth individuals, as well as pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing firm-offered and third-party advisory programs.

Ryan Ashton is a financial advisor with Wells Fargo Clearing based in Carlsbad, CA, holding a Series 66 designation and 19 years of industry experience. Prior to joining Wells Fargo in 2019, he worked at Morgan Stanley Private Bank from 2015 to 2019. Outside of his advisory role, he owns and manages several restaurant-related businesses in California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Dan Surette is a Planning Consultant at Fidelity Investments, where he collaborates closely with Wealth Management Teams to develop and implement financial plans tailored to clients' goals, values, and financial needs. In this role, he partners with advisors to address client priorities throughout their relationship with the team. Dan has been with Fidelity Investments since 2023, progressing through roles including Financial Representative and Relationship Manager before his current position as Planning Consultant. He holds a California Insurance License. Outside of his professional work, Dan enjoys activities such as beach outings, football, golf, movies, snowboarding, and traveling.

Jennifer Bracey is a financial advisor at Osaic Wealth with 17 years of industry experience and a Series 66 designation. Her prior roles include positions at Ameriprise, Stifel, Oppenheimer, and Wells Fargo Investments. Outside of her advisory work, she serves as an adjunct instructor at Ouachita Baptist University, teaching online business classes. Osaic Wealth serves a broad range of retail and institutional clients, offering both brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach focused on asset allocation and portfolio optimization, supporting diverse client needs across individual, retirement, charity, and corporate accounts.

Laura Pomeroy is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been in the financial services industry since 1998 and joined Merrill Lynch in 2006. Laura specializes in retirement planning, focusing on creating financial strategies for high-net-worth individuals, their families, and businesses to help them achieve both short- and long-term financial goals. Her approach to wealth management is consultative, involving thorough review of client financial situations, preferences, and objectives; providing tailored asset allocation recommendations; and conducting ongoing discussions on investments, retirement planning, estate services, and philanthropy as appropriate. Laura holds the Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and CERTIFIED FINANCIAL PLANNER (CFP) designations, along with Series 7 and 66 FINRA registrations. She earned a Bachelor of Science degree in History from Brigham Young University. Laura lives in San Diego with her husband, Tim, and their three children. In her personal time, she enjoys cooking, playing pickleball, reading, and spending time with her family.

Joseph Rotta is a CFP®-designated financial advisor with 41 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2009 and previously spent time at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He is based in Carlsbad, CA. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Daniel Lee is a financial advisor at LPL Financial with 26 years of industry experience. He has held positions at Western International Securities, Financial West Group, and Torrey Pines Securities prior to joining LPL Financial in 2025. Lee holds Series 63 and 65 licenses and also operates DCL Financial Services, Inc., an investment-related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Michael Bradshaw is a financial advisor at Raymond James & Associates with 52 years of industry experience. He previously worked at Merrill for 45 years and Bank of America for 12 years. Bradshaw holds Series 63 and Series 65 licenses and is based in San Diego, CA. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Andrew Roybal is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 30 years of industry experience. He worked at Uboc Investment Services, Inc. for 24 years before joining LPL Financial in 2020. 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 model portfolio programs, utilizing both proprietary research and third-party subadvisors.

Michael Valentini is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at Bank of America and Merrill Lynch. Outside of his advisory role, Valentini performs occasionally as a bassist with a corporate and wedding band. 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. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Holly Peterson Hall is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been with Ameriprise since 2005, working across multiple affiliated entities within the firm. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on retirement income, utilizing a centralized team that collaborates with the client’s advisor while relying on proprietary research and third-party data.

Thomas Wyckoff is a CFP® and CFA® credentialed financial advisor with 16 years of industry experience. He is currently with LPL Financial, where he has worked since 2020. Prior to this, he held roles at Validus Growth Investors, Pinhook Capital, Lucia Securities, and Lucia Capital Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisers, utilizing various portfolio strategies and technology tools.