Nicola Hanna is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and over 21 years of industry experience. Prior to joining LPL Financial in 2025, Hanna worked for Raymond James Financial and Raymond James Financial Services from 2008 to 2025, and at Cavanaugh Financial Group from 2012 to 2018. Outside of advising, Hanna is a business owner of Big Lick Racing Inc and is involved in sports memorabilia sales. 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 financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Karl Freeman is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following eight years at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a distinctive inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Edwin Espinal is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the CFP® and Series 66 designations and has been with Charles Schwab and its affiliated banking entity since 2015. Charles Schwab & Co., Inc. provides wealth advisory and managed-account services primarily to high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

William Sparks is an International Wealth Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, international wealth management, and portfolio management services. William holds a master's degree from the Thunderbird School of Global Management and a bachelor's degree from the California State University System. He holds the Personal Investment Advisor (PIA) designation. He is affiliated with the professional organization Los Angelitos de Encinitas and actively participates as a community volunteer. Outside of his professional work, William enjoys baseball, biking, camping, reading, swimming, traveling, and spending time with his family. His approach to advising centers on working one-on-one with clients to develop personalized financial strategies aligned with their long-term goals.

Stephen Gelina is a financial advisor with Fidelity in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has been affiliated with various Fidelity entities since 2013. Outside of his advisory role, he is the sole proprietor of CSMJS Great Adventures, LLC, a real estate funding company focused on location research, site investigations, and land analysis. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to diverse client groups, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Archievhal Alvarado is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. Prior to joining LPL Enterprise in 2025, he worked at Edward Jones, City National Bank, and JP Morgan Securities. In addition to his advisory career, he is involved in a music business, BowtiedJ Events, as an artist and musician. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management through both advisory and brokerage channels. The firm combines adviser programs with active sales of financial products, including insurance, supported by LPL’s integrated platform.

Tomer Rabizadeh is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and 66 designations and bringing 15 years of industry experience. He has been with Morgan Stanley since 2013 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a general board member for Sephardic Temple Tifereth Israel in Los Angeles. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Kevin Keil is a financial advisor at LPL Financial with five years of industry experience. He holds the Series 66 designation and has worked previously at Securian Financial Services, Minnesota Life Insurance, North Star Resource Group, CRI Securities, and Health IQ. Outside of his advisory role, he is the owner of Sail Bay Group, a business unrelated to investments. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of financial planning, advisory, and brokerage services, employing both discretionary and non-discretionary management and offering access to model portfolios, research, and various strategies.

Alexander Howell is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and 20 years of industry experience. He has been with UBS Financial Services since 2008. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, leveraging proprietary research and model-based asset allocations to tailor client solutions.

Thomas Boles is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera Advisors LLC since 2013. Boles is also the president and owner of United Financial Consultants Inc and Coastal Dragons Rugby Inc, where he serves as a board treasurer. Additionally, he provides tax services as an IRS enrolled agent. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of investment management and financial planning services through a multi-manager platform with access to various portfolio models and custodial relationships.

Gabriel Garibay is a Wealth Management Senior Relationship Manager who partners with self-directed ultra-high-net-worth clients. In this role, he serves as the primary point of contact and provides comprehensive support to address both their financial and service needs. His professional experience includes positions at Fidelity Investments from 2020 to 2026, where he progressed from Financial Representative to Planning Consultant. Prior to that, he worked at JP Morgan Chase Bank N.A. from 2010 to 2020 in roles ranging from Relationship Banker to Private Client Banker. Gabriel holds a California Insurance License. Outside of his professional career, Gabriel has interests in comedy, hiking, music, parenthood, pets, and traveling.

Russell Handler 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. He previously worked for eight years at Putnam Retail Management before joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement consulting, and brokerage services through a national network of investment adviser representatives.

Anthony Ceccacci is a financial advisor at LPL Financial with 17 years of industry experience and holds a Series 66 designation. His prior roles include positions at Park Avenue Securities and Guardian Life Insurance Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, institutions, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services supported by model portfolios and research from multiple sources.

Kevin Dowell is a financial advisor at LPL Enterprise with two years of industry experience and holds the Series 66 designation. He previously worked at Edward Jones and has a background that includes roles in automotive and collision repair industries. He serves as a board member for the Aviaro Oaks PTA in Carlsbad. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products through an integrated platform.

David Moran is a financial advisor with Equitable Advisors in La Mesa, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Equitable Advisors since 2003, previously associated with Axa Advisors. Outside of his advisory role, Moran serves as a board member of the East County Chamber of Commerce and owns Five2 Studios, a non-investment related business. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, offering both advisory and brokerage/insurance channels to implement client recommendations.

Ahmed Elemary is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at E*TRADE Securities, E*TRADE Capital Management, Bank of America, and Merrill. Outside of advising, he owns a donut bar franchise and is involved in developing a child safety device through his personal business ventures. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, focusing on tailored financial planning supported by firm-approved tools and methodologies.

James Needy is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 licenses with four years of industry experience. His prior roles include positions at NYLife Securities and work in sports coaching, including as a high school football coach and pitching coach. Outside of finance, he serves as president of a community group and coaches multiple youth sports teams. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages over $1 trillion in assets with a nationwide network of more than 23,000 advisors, offering a range of advisory programs, tax-efficient services, and affiliated investment options.

Stephen Cota is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 29 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory work, he is involved in the life insurance business through non-variable insurance activities. 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 representatives. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management options.

George Alessandria is a financial advisor at LPL Financial with 22 years of industry experience. He holds the Series 66 designation and has previously worked at Bank of America and Merrill. Based in San Diego, CA, Alessandria has been with LPL Financial since 2022. 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, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management and utilizing model portfolios and research from multiple sources.

Janet Leahy is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. She previously worked at Painewebber for 25 years and at UBS Financial Services for 34 years. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with portfolio management, financial planning, and brokerage services tailored to client risk profiles through a combination of in-house and third-party investment managers.