Karla Mesta is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she worked in speech therapy and related fields for several years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,000 financial advisors.

Jorge Figueroa is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked in roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and several hospitality and insurance companies. 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, offering a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts.

Adeline Wong is a financial advisor at Cetera with 27 years of industry experience. She holds a Series 63 designation and has been with Cetera and its affiliated entities since 2017. Prior to that, she worked at Linsco/Private Ledger Corp. for 13 years. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with a multi-manager platform enabling advisors to implement model portfolios, select third-party managers, or build customized strategies.

Valerie Stanek is a CFP® with 34 years of industry experience, currently serving as a financial advisor at OSAIC since 2025. She previously spent ten years with Lincoln Financial Advisors. Outside of her advisory role, she also practices as an attorney and acts as a notary, offering legal services and related investment activities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk management, and utilizing multiple third-party platforms and investment strategies.

Christopher Kemp is a financial advisor with LPL Financial, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at OSAIC, FSC Securities Corporation, and Schools Financial Credit Union. Outside of his advisory role, he serves as CFO and manager of employees at Gemstone Gymnastics, a children’s gymnastics center, and is CFO for Budget Trainer, a planned non-investment service focusing on monthly budgeting education. 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 through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, supported by research and model portfolios, alongside a range of non-advisory financial services.

Robert Gloss is a financial advisor at LPL Enterprise with six years of industry experience. He holds the Series 66 designation and has worked at firms including BMO Harris Financial Advisors and The Prudential Insurance Company of America. LPL Enterprise serves a diverse client base, including individuals, retirement plans, charitable organizations, and institutional clients, offering advisory and brokerage services supported by model portfolios, third-party asset management, and access to a range of financial products.

David Elster is a CFP® professional at LPL Financial with 14 years of industry experience. He has previously worked at Wells Fargo Bank, Wells Fargo Clearing, CUSO Financial Services, and Waddell & Reed. Based in San Diego, CA, he is also a commissioned notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and technology-driven portfolio management.

Gerardo Esparza Lopez serves as a Financial Solutions Advisor with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their financial priorities and develop strategies aimed at achieving short-, mid-, and long-term goals. He provides guidance on a range of financial topics, including investing, retirement planning, and emergency savings, while also facilitating access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Gerardo holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He completed a non-accredited certificate program at Universidad Autonoma de Baja California. His approach centers on helping clients identify what matters most to them and their families to create tailored strategies for pursuing financial objectives.

Grant Lewis is a Series 66 designated financial advisor with Morgan Stanley in San Diego, CA, with 20 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. apart from Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides investment and planning services through its Financial Advisors and Estate Planning Strategies Group.

Thomas Drabek is a CFP® professional with 38 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. He previously worked at Woodbury Financial Services Inc. from 2016 to 2024 and has operated his own sole proprietorships focused on insurance and annuities since the late 1980s. Drabek’s business activities include the sale of fixed and index annuities, life insurance, and long-term care products. OSAIC Wealth, Inc. serves a wide range of clients including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with portfolios constructed using firm-provided asset allocation tools, employing both discretionary and non-discretionary management approaches.

Dustin Tracy is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2006. He has 18 years of industry experience. He served on the Board of Directors for the Autism Society of San Diego, supporting fundraising events for autism programs in the region. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor investment strategies to client goals and risk profiles.

William Allford is a financial advisor with RBC Capital Markets in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with RBC Capital Markets since 2016. Outside of his advisory role, he serves on the Board of Directors for the NSAC Alano Club, a nonprofit recovery organization. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management solutions, leveraging both in-house and third-party investment resources.

Melody Donnelly is a financial advisor at Charles Schwab with 14 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at TDAmeritrade, Word and Brown, and The Prudential Insurance Company of America. Outside of advising, she has a long-standing involvement with Laz Parking since 2016. 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, offering a combination of non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts.

Tiffany Cederlind is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Wells Fargo Advisors Financial Network since 2026 and has prior experience with Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients through a broad range of planning options tailored to clients meeting certain net-worth criteria. The firm’s services include specialized planning solutions and utilize Wells Fargo research and tools to develop tailored recommendations, with clients able to implement advice through various brokerage or advisory programs.

Jason Kriz is a Financial Consultant currently working with Fidelity Investments since 2024. He partners with clients and families to help build sound financial plans aimed at fostering confidence in their financial decisions. Jason employs a needs-based approach to collaborate with clients over the long term, adapting to life's changes. His professional experience includes roles as a Financial Consultant and Executive Relationship Manager at Morgan Stanley from 2020 to 2024, Senior Financial Sales Advisor at BBVA Compass from 2018 to 2020, and Financial Advisor at Edward Jones from 2016 to 2018. Jason holds a California Insurance License and is a Certified Financial Planner (CFP®). Outside of his professional work, Jason enjoys interests such as food, golf, theater, traveling, and volunteering.

Eduardo Marek is a financial advisor at Morgan Stanley in San Diego, CA, with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and modeling techniques.

George Viray is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and 25 years of industry experience. He previously worked at Mass Mutual Investors Services and Ameriprise Financial Services. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing a broad range of sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Gail Phillips is a financial advisor with Morgan Stanley Smith Barney LLC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through a structured planning process and various investment strategies.

Linda Stirling is a financial advisor at Raymond James & Associates with 39 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at UBS Financial Services for 13 years. Outside of her advisory role, she serves as Chairman of the Board for Umbrella Ministries, a charity providing grief support for mothers who have lost a child, and is the author of a book titled *Hope for a Broken Heart*. Raymond James & Associates is a large dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and charitable organizations—and provides a range of financial planning, consulting, and advisory services supported by a nationwide network of advisors.

Arthur Peredo Muniz is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 23 years of industry experience. He has worked with LPL Financial since 2009. Muniz operates Muniz Consulting, Inc., which provides non-variable insurance services including life, disability, LTC, and fixed annuities. 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 provides a range of advisory programs, financial planning, and brokerage services, offering both discretionary and non-discretionary management supported by extensive research and model portfolios.