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® professional with 34 years of industry experience, currently serving as a financial advisor at Osaic. She previously worked at Lincoln Financial Advisors for 10 years. In addition to her advisory role, Stanek is a licensed attorney providing legal services and holds a notary position, indicating involvement in legal and administrative activities beyond financial advising. Osaic Wealth serves a diverse client base, including individual investors, retirement plans, charities, and corporations, offering a range of brokerage and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization through a multi-advisor platform supported by various investment strategies and third-party manager programs.

Christopher Kemp is a financial advisor with LPL Financial in San Diego, CA, holding the Series 66 designation and 14 years of industry experience. His prior roles include positions at OSAIC, FSC Securities Corporation, and Merrill. Outside of financial advising, he serves as CFO of a children's gymnastics center and is developing a budgeting education service. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services supported by extensive advisor tools and a diverse platform of investment strategies.

Tyler Michels is a CFP® professional with three years of industry experience currently affiliated with Charles Schwab in San Diego, CA. His prior experience includes roles at Wells Fargo Clearing Services and Ball Aerospace. 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 with access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment due diligence.

Robert Gloss is a financial advisor with LPL Enterprise holding a Series 66 designation and seven years of industry experience. His prior roles include positions at BMO Harris Financial Advisors and ARB Trading Group. He is based in San Diego, CA. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and participation in a wrap program.

David Elster is a CFP® professional with 15 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2022. His previous roles include positions at Wells Fargo Bank, Wells Fargo Clearing, CUSO Financial Services, Waddell & Reed, Merrill, and Morgan Stanley. 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 offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, retirement advice, and institutional platforms.

Grant Lewis is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and bringing 21 years of industry experience. He has worked at Morgan Stanley and its affiliated entities since 2009 and previously at Wells Fargo Investments from 2005 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines advisory services with broader investment and financial product offerings.

Thomas Drabek is a CFP® with 38 years of industry experience. He is currently with Osaic and has previously worked at Woodbury Financial Services and Securities America. In addition to his advisory roles, he operates two sole proprietorships focused on the sale of insurance products, including fixed and index annuities, long-term care, disability, and life insurance. Osaic Wealth serves a diverse client base that includes individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services through a multi-advisor platform, employing model-based asset allocation and portfolio optimization with multiple investment program options.

Jonathan Parker is a Series 66-registered financial advisor with Merrill in San Diego, CA, and has one year of industry experience. Prior to joining Merrill in 2026, he worked at Equitable Advisors, LLC and held various roles in industries including manufacturing and distribution. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

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.

Zachary Cohodes is a financial advisor with LPL Financial holding a Series 66 designation. He has experience working at several firms including BMO Bank, Raymond James & Associates, Five9, Hexagon SIG, and Accenture. 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 portfolio programs, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Tiffany Cederlind is a financial advisor at Wells Fargo Advisors with 27 years of industry experience. She holds the Series 63 and Series 66 designations and has been with Wells Fargo Clearing since 2016, transitioning to Wells Fargo Advisors Financial Network in 2026. Wells Fargo Advisors Financial Network is a large broker‑dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized areas such as business-owner transition planning and special-needs analysis, utilizing Wells Fargo research and planning tools to deliver tailored recommendations.

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 at Equitable Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Mass Mutual Investors Services, MassMutual Pacific Coast, Ameriprise Financial Services, Inc., and LPL Financial. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and a variety of asset-management programs through a network of Investment Adviser Representatives. The firm offers access to multiple advisory models and third-party asset managers, delivering solutions that include mutual funds, ETFs, separately managed accounts, and select alternative investments.

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 licenses and has previously worked at UBS Financial Services, RBC Capital Markets, and Merrill. Outside of her advisory work, 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 the book *Hope for a Broken Heart*. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a wide range of clients including individuals, institutions, and charitable organizations. The firm offers financial planning and investment consulting with a non-discretionary approach, drawing on diverse portfolio management strategies and supporting municipal advisory services.

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. His prior work includes positions at Citigroup Global Markets, Citicorp Investment Services, and A. G. Edwards & Sons, Inc. Muniz is also involved with Muniz Consulting, Inc., a business related to non-variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a broad range of financial activities.