Raquel Fang is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. She has worked at J.P. Morgan Securities and JPMC Bank NA since 2016 and has held roles as a mobile notary and at the Privilege/Momentum Talent Agency. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Mark Yackey is a financial advisor with Charles Schwab, holding a Series 66 designation and over 10 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank SSB since 2015 and 2016, respectively. He is based in La Jolla, CA. 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 client relationship model that combines non-discretionary advisory guidance with access to discretionary separately managed accounts, supported by centralized supervisory, custody, and order-routing systems.

Rita Sanchez is a financial advisor with Morgan Stanley in La Jolla, CA, holding the Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by firm-approved tools and modeling techniques.

Saundra Gardner is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been with Merrill Lynch since 2007, after joining from Smith Barney in Beverly Hills where she served as a Senior Investment Management Consultant. Over her career, she has held various roles including Branch Manager, Licensed Securities Principal, and Registered Investment Advisor in markets such as New York, Chicago, Miami, and Los Angeles. With over 25 years of experience, Saundra specializes in wealth management strategies, including investment consulting for defined contribution plans, employee financial health, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, tax minimization, and retirement income. She is a CERTIFIED FINANCIAL PLANNER® certificant and holds additional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). As a Senior Portfolio Advisor, Saundra provides traditional advice and also manages custom investment strategies and model portfolios, sometimes on a discretionary basis. Saundra earned a bachelor's degree from New Mexico State University. She participates in community activities including volunteering with Community Church. Her personal interests include biking, gardening, hiking, reading, spending time with family, and traveling.

Colton Punches is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at LPL Financial and Securities America Advisors. Fidelity, through its affiliate Strategic Advisers LLC, provides investment management and advisory services to both retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to create diversified model portfolios.

Glenn Mazzone is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. 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, including tailored financial planning and integrates structured discovery conversations with firm-approved planning tools.

Sacha Mackels is a CFP® and ChFC® with 14 years of experience in financial services. He is affiliated with Cetera and has previously worked with Securian Financial Services and Minnesota Life Insurance. Mackels is also the owner of Mackels Advisory and Planning LLC, an expense management business. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing multiple program structures and access to both affiliated and third-party investment managers.

Zackery Bertrand is a CFP® professional with 10 years of industry experience. He is currently an advisor at OSAIC and previously worked for nine years at Lincoln Financial Advisors. He is also licensed to offer non-variable insurance and annuity products. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and nonprofits through a broad network of advisers and platforms, providing integrated brokerage, advisory, and managed portfolio services.

Casey Caliva is a CFP®-designated financial advisor with 20 years of industry experience, currently with Edward Jones since 2007. Prior to joining Edward Jones, Casey worked at Wells Fargo Investments for one year. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Ryan Friesen is a CFP® professional with three years of industry experience, currently affiliated with Cetera. He has held roles at several related firms including Celeste Financial Group and Vanderbyl Associates INC. Outside of his advisory work, he is involved with Celeste Financial Group, where he reviews client profiles and prepares client reviews. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm that serves a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party investment options.

Laura Smith is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Casey Rader is a CFP® and Series 66 registered financial advisor with 22 years of industry experience. He has been with UBS Financial Services Inc. since 2013 and is based in La Jolla, CA. Outside of his advisory role, he serves as a notary public. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Camilla Kaae is a financial advisor at Cetera with two years of industry experience. She holds the Series 66 designation and has previously worked at Fisher Investments UK, Fisher Investments, and CIM Group. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and financial planning services through a nationwide network of independent advisors and provides access to multiple investment platforms and third-party managers.

Luke Rican is a Financial Advisor at Merrill Lynch Wealth Management. He works directly with clients to define financial goals and develop portfolio strategies designed to help clients pursue those goals. He provides ongoing advice and adjusts portfolios as clients' situations change. Luke holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a Bachelor's Degree from the University of Washington. His approach focuses on understanding what matters to clients and their families to help create a financial strategy tailored to their needs.

Nolan Worley is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and bringing 20 years of industry experience. His prior roles include positions at Raymond James Financial, NW Asset Management, and Cavanaugh Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a broad range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides access to various investment programs and utilizes technology tools to support advisors while maintaining oversight of a large network of representatives and significant discretionary assets.

Garrett Imeson is a CFP® with 17 years of industry experience, currently associated with LPL Financial since 2024. He spent 15 years at Edward Jones prior to joining LPL. Outside of his advisory role, he is involved in coaching youth baseball and hosts a podcast titled "Grounded in Love." 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Jared Roethlisberger is the Vice President and Branch Leader at Fidelity Investments, where he leads a team of financial professionals dedicated to providing comprehensive wealth planning and investment strategies tailored to clients' financial goals and needs. He has been with Fidelity Investments since 2013, progressing through roles including Regional Relationship Manager, Investment Consultant, Financial Consultant, and Assistant Branch Office Manager before assuming his current leadership position in 2018. Prior to joining Fidelity, Jared worked as a Financial Advisor at Merrill Lynch from 2011 to 2013. He holds a California Insurance License, supporting his expertise in financial and insurance planning. Jared's professional experience encompasses wealth management, investment consulting, and client relationship management. Outside of his professional responsibilities, Jared enjoys camping, cars, family activities, hiking, parenthood, and traveling.

Karlee Johnson is a financial advisor with Charles Schwab, holding a Series 63 designation and 28 years of industry experience. She has been with Charles Schwab & Co., Inc. since 2003 and Charles Schwab Bank, SSB since 2005. 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 and discretionary investment guidance supported by multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Tiffany Sanders is a financial advisor at Merrill with seven years of industry experience. She holds a Series 66 designation and has been associated with Merrill since 2012 and Bank of America, N.A. since 2018. Outside of her advisory role, she is a co-founder of the Iconic Arts Complex, a nonprofit performance arts organization, where she oversees administration and community outreach. Additionally, she owns a food delivery service operated outside of market hours. 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 model-based and discretionary investment strategies for a diverse client base, including individuals, high-net-worth clients, and institutions.

Farnaz Tajadod is a financial advisor at Ameriprise in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Ameriprise in 2025, she was with LPL Financial LLC from 2021 to 2025. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement planning, dependable income sources, and tax-aware withdrawal strategies.