Kyle Schmidt is a Financial Consultant at Fidelity Investments, where he assists clients in constructing customized financial plans tailored to their individual financial goals. He focuses on creating trusted relationships to help clients navigate everyday financial challenges and make sound investment decisions. Kyle has held several roles in the financial industry, including positions at Fidelity Investments and Natixis Investment Managers, LLC. His experience spans from investment consulting to regional directorship, reflecting a depth of knowledge in financial planning and investment management. He holds a California Insurance License. Outside of his professional work, Kyle enjoys activities such as the beach, concerts, fitness, social events, golf, and traveling.

Michael Faltico is a CFP® professional with 22 years of industry experience, currently serving at Cetera since 2021. His prior experience includes roles at Voya Financial Advisors and LifePro Financial Services. He is also treasurer of the Point Loma High School Boys Basketball Booster Board. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary options.

Miles Fleming is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and bringing 10 years of industry experience. His prior roles include work with Waddell & Reed, Employer Services Group, and operating Lumena Financial Strategies, Inc. He has also been involved with community organizations such as the Rotary Club of Del Mar and the San Diego Council on Aging. LPL Financial serves a broad client base including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and brokerage services supported by research and technology-driven portfolio management.

Kevin Christensen is a financial advisor at LPL Financial with 15 years of industry experience. He holds a Series 66 designation and previously worked at Overland & Shanahan for four years. Christensen is involved with Align Planning LLC, a separate business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, providing discretionary and non-discretionary management supported by proprietary and third-party research.

Britt Stephens is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and 16 years of industry experience. Prior to joining LPL Financial in 2021, she worked with various insurance carriers, Employer Services Group, Lumena Financial Strategies, Inc., and Waddell & Reed Inc. She is also involved with Lumena Financial Strategies, Inc. as a DBA entity related to her LPL practice. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, with investment options supported by internal research, third-party subadvisors, and various portfolio management solutions.

Aaron Herrscher is a financial advisor at Fidelity with Series 63 and Series 65 credentials and six years of industry experience. Prior to joining Fidelity in 2025, he worked at Financial Sense Wealth Management for five years and held positions at Sage Stone Wealth Management and Salient Wealth Planning. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and IRS-qualified Charitable Gift Funds. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, and it serves a range of clients through discretionary and non-discretionary advisory services.

William Corder is a financial advisor at Raymond James Financial with 20 years of industry experience. He previously worked at Manning Wealth Management, Inc. for 12 years and Commonwealth Financial Network for 15 years. He is also the Chief Operating Officer of The Manning Companies, a support company based in San Diego. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports its clients through various advisory programs and institutional consulting.

Michael Donaldson is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Co., Inc. since 2022, following an eight-year tenure at TD Ameritrade Inc. 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 combination of non-discretionary advisory relationships alongside discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Tyler Tong is a financial advisor at LPL Financial with 11 years of industry experience. He holds the Series 66 credential and has worked at LPL Financial since 2018. Outside of his advisory role, he is the owner of East Village Tax, a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services supported by in-house and third-party research.

Jorge Guerra is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory work, he is an author of a children's book. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and advanced modeling tools, offering tailored solutions while generally acting in an advisory capacity.

Stephany Calvillo is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and one year of industry experience. Her prior work includes roles at LG's Steakhouse and Walter Clark Legal Group. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers a range of model-based and discretionary investment strategies, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Amber Reams is a financial advisor at Osaic with 12 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at firms including Commonwealth Financial Network, LPL Financial, and CETERA Advisor Networks. Outside of her advisory role, she is involved in accounting and tax preparation through her work at Financial Planning Department, Inc. Osaic Wealth serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services along with financial planning and retirement plan consulting. The firm utilizes various asset-allocation tools and third-party platforms to provide diversified portfolio management across multiple investment types.

Emily Shipcott is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and has a diverse work background including roles with the San Diego Padres, Seattle Mariners, and Amazon. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 advisors, offering a range of advisory programs and investment strategies under a fiduciary standard.

Gregory Roel is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1999 and brings over 20 years of experience in the financial services industry. Greg holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and a certificate in Personal Financial Planning from San Diego State University. Prior to his career in financial services, he worked as a national sales manager for a privately held textile chemical company. Greg is a native of San Diego and resides in La Mesa with his wife, Rebecca, and their daughter, Jessica. He holds a High School Diploma from Patrick Henry and maintains the Professional Investment Advisor (PIA) designation.

Ramona Delarosa is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. She has worked across several Cetera entities since 2018 and has prior experience in wellness and dental fields. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets with a network of more than 10,000 advisors.

Calen Ketcham is a financial advisor at Raymond James Financial with four years of industry experience. He holds Series 66 and Series 63 designations and previously worked at Commonwealth Financial Network and Everyday California. In addition to his advisory role, he serves as a Senior Client Service Representative at The Manning Companies. Raymond James Financial Services Advisors, Inc. provides tailored financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm uses analytical tools such as risk profiling and probability modeling to support non-discretionary planning and investment consulting.

Darryle Grimes is a Series 66-licensed financial advisor with nine years of industry experience, currently with Ameriprise in San Diego, CA. His prior experience includes six years at First Command Advisory Services and three decades with the US Air Force ROTC Detachment 075. He serves as Treasurer on the Board of Directors for the Military Officers Association of America, Miramar Chapter. Ameriprise provides retirement-income planning primarily for individuals nearing or in retirement who meet certain asset thresholds, utilizing a centralized consulting team that delivers written, non-discretionary recommendation reports combining research, modeling, and tax-efficiency analysis.

Jose Aguilar is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and offers a structured planning process supported by firm-approved tools and modeling techniques.

Isabelle Stad is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and beginning her advisory career in 2024. Prior to joining Morgan Stanley, she held positions at Gravity Advisors and worked in various educational roles at UC San Diego and other institutions. 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 and tailored financial planning services supported by comprehensive planning tools and investment modeling.

Sergio Pedro Perez is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. 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, pension plans, corporations, and charitable organizations.