Jeffrey Bjurstrom is a financial advisor at OSAIC with 28 years of industry experience. He holds a Series 66 designation and previously worked at Securities America, Inc. and Securities America Advisors, Inc. from 2006 to 2024. He is also licensed in fixed insurance sales, offering fixed annuity, equity index annuity, and term life insurance products. OSAIC serves a diverse client base including retail investors, pension plans, corporations, and charitable organizations through a large network of affiliated financial advisors. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and a range of investment options to manage portfolios on both discretionary and non-discretionary bases.

Rebecca Saffran is a financial advisor with Raymond James Financial, holding a Series 66 designation and five years of industry experience. She has been with Raymond James Financial Services Advisors since 2020 and also works with Mission Fed Credit Union. Prior to her current roles, she spent time at San Diego State University and the Ocean Beach Business Center. Raymond James Financial Services Advisors serves a diverse client base, including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored recommendations while typically maintaining client decision authority.

Sreeni Rao is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His career includes roles at Raymond James Financial Services, Inc., Mission Federal Credit Union, and Cuso Financial Services, Lp. Raymond James Financial Services Advisors, Inc. serves a diverse client base, including individual investors, high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research to develop tailored financial plans and recommendations.

Daniel Elizondo is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various Fidelity entities since 2007. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including IRS-qualified charitable funds and registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs, and it maintains oversight through affiliated or unaffiliated sub-advisers.

Timothy Chen is a financial advisor with Raymond James & Associates, holding a Series 66 designation and bringing 24 years of industry experience. His prior roles include positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is based in San Diego, CA. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through both non-discretionary and discretionary programs, and it also serves municipal clients with public-financing and investment banking capabilities.

Emily Provino is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 11 years of industry experience. She has worked with Lucia Securities, LLC since 2015 and has been with LPL Financial since 2020. Provino is also involved in business development through Lucia Management Company, a business service provider. 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 portfolio management services, utilizing both discretionary and non-discretionary approaches supported by internal and third-party research.

Edward Signaigo III is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2013 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of financial products, such as insurance-related vehicles and bank deposit sweep options, than typical large institutional advisers.

Jordan Papenfuss serves as a Planning Consultant at Fidelity Investments. In this role, he supports clients by helping them assess their current financial situations, identify future goals, and make informed decisions to optimize their financial plans. Jordan has been with Fidelity Investments since 2022, holding various positions including Customer Relationship Advocate, Investment Solutions Representative I and II, leading up to his current role. Before joining Fidelity, he worked as a Financial Coach at Utah Valley University from 2022 to 2023. He holds a California Insurance License.

Michael Bernier is a CFP® professional with 21 years of industry experience, currently serving as a financial advisor at LPL Financial since 2024. Prior to joining LPL, he worked at Canter Wealth for five years and Pure Financial Advisors, Inc. for nine years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to model portfolios, research, and alternative investment strategies.

Joshua Camargo is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals and families to develop personalized wealth management, retirement planning, investment guidance, and legacy planning strategies tailored to their unique needs. Joshua holds a Bachelor's Degree from San Diego State University and has earned the Personal Investment Advisor (PIA) designation. His approach centers on understanding clients' goals and priorities, simplifying complex financial concepts, and providing ongoing advice to adapt portfolios as clients' situations change. In addition to his professional work, Joshua is involved with the San Diego Food Bank.

Martha Alonso Hara is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with UBS Financial Services since 2010 and has been associated with UBS International Inc. since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client strategies.

Raymond Dexter is a financial advisor with LPL Financial, holding a Series 63 designation and over 41 years of industry experience. He has been with LPL Financial since 1990. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting, offering both discretionary and non-discretionary management with access to model portfolios and research.

Erik Anderson is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with LPL Financial since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management along with model portfolios and research.

Samuel Alt is a financial advisor with Mass Mutual Investors Services in San Diego, CA, holding a Series 66 credential and six years of industry experience. His prior roles include work at Morgan Stanley, Wells Fargo Clearing, and The Prudential Insurance Company of America. Outside of financial services, he is involved as a brand ambassador for a waterless skincare product company and works as a server at a restaurant/bar. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, structuring client engagements as annual, collaborative relationships focused on goals analysis and written recommendations.

Jocelyn Senaha is a financial advisor at Morgan Stanley with 29 years of industry experience. She holds Series 63 and Series 65 registrations and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors. She is based in San Diego, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in client assets and provides services through a wide array of financial and estate planning strategies.

Paola Leal Cervantes is a financial advisor at UBS Financial Services with one year of industry experience. She holds a Series 66 designation and previously worked at Via Capital and Banana Republic. Paola’s background also includes roles in healthcare and education. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, using model-based asset allocations and research from its Chief Investment Office and global resources to tailor client plans. The firm combines institutional trading capabilities with wealth management services across a broad platform.

Tayvin Donaldson is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. In his role, he partners with clients to understand their financial goals, create personalized strategies, and provide ongoing guidance as their needs evolve. He focuses on simplifying complex financial decisions and serving as a trusted resource to help clients stay focused on what matters most to them. Donaldson's expertise extends beyond investments to helping clients make informed decisions and feel confident about their future. His approach includes assisting clients in planning for retirement, funding education, navigating liquidity events, and balancing financial demands related to family and life. He holds the designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He completed his high school education at Coronado High School. In addition to his professional work, Donaldson is involved with the San Diego Food Bank.

Elizabeth Sanchez is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2019. Prior to that, she held roles at Morgan Stanley, including Morgan Stanley Private Bank, N.A., where she has been associated since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm offers both discretionary and non-discretionary services, using an IPS-driven approach grounded in modern portfolio theory and includes a broader range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Sanya Mulhern is a financial advisor with RBC Capital Markets in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. She has worked with City National Bank and RBC Capital Markets, LLC for the past 10 years. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a broad client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to each client’s Advisory Risk Profile.

Philip Bradshaw is a financial advisor with Raymond James & Associates in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He previously worked at Bank of America and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Raymond James & Associates provides financial planning and investment consulting to individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses, serving both retail and institutional clients with a focus that includes public finance and municipal services.