Carlos Robert Guadalajara is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2010. He has 18 years of industry experience. He served on the board of the International Wine & Food Society of London Tijuana Chapter from 2014 to 2017. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm uses proprietary capital market assumptions and research to tailor portfolio management and financial planning services and combines institutional trading capabilities with wealth management.

Michael Legacy is a financial advisor at Thrivent Investment Management with 13 years of industry experience. He holds the Series 66 designation and has previously worked with Commonwealth Financial Network. Outside of advising, he serves as Vice President of Business Development at Legacy Realty in San Diego. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm focuses on holistic, goal-based financial planning without discretionary trading authority, and offers clients the option to combine planning with managed-account services under its WealthPlan program.

Nicholas Hillman is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and has been with LPL Financial since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management along with research-supported model portfolios and various investment strategies.

Sarah Martin is a financial advisor at Fidelity with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Fidelity Investments in multiple roles since 2008, including her current position since 2021. Her prior experience also includes tenure at Charles Schwab and Independent Financial Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a process combining fundamental research with quantitative analysis and algorithmic portfolio construction, serving a broad client base including registered investment companies and a Charitable Gift Fund.

Matthew Henry is a financial advisor at OSAIC with nine years of industry experience. He has held roles at independent capital management since 2016 and Sagepoint Financial, Inc. from 2016 to 2023. He serves on the board of directors for Water 4 Life Global, a nonprofit organization providing clean water to underprivileged communities worldwide. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services utilizing asset-allocation tools and access to third-party managers to construct diversified portfolios across various asset classes.

Cesar Padilla is a CFP®-designated financial advisor with Edward Jones in Chula Vista, CA, holding 30 years of industry experience. He has been with Edward Jones since 1995. Outside of his advisory role, he serves as a board member of the Kiwanis Club of Chula Vista. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets through a large network of advisors and branch offices nationwide.

Douglas Cochran is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA) and has a Bachelor's Degree from San Diego State University. He has more than three decades of experience in the financial industry, having started his career in 1992 as a Fixed Income Specialist at ML Stern & Company. He has held various leadership roles, including Vice President at ML Stern & Company and First Vice President at Smith Barney. At Morgan Stanley, he was promoted to Senior Vice President and later Executive Director. Currently, Douglas serves a range of clients including individuals, high-net-worth families, charitable organizations, and business clients. His expertise includes portfolio management, retirement and wealth strategies, pension consulting, and conducting educational seminars.

John Eyer is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 credential and 11 years of industry experience. His prior experience includes roles at TD Ameritrade, Bank of America, and Merrill. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized supervision and custody arrangements.

Glenn Morey is a financial advisor with LPL Financial in La Mesa, CA, holding a Series 63 license and 43 years of industry experience. He has been with LPL Financial, including its predecessor LINSCO/PRIVATE LEDGER, since 2004. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of representatives. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by internal research and third-party subadvisors.

Bryce Porter is a CFP®-certified financial advisor with 11 years of industry experience. He has worked at LPL Financial since 2016 and is also associated with DB Wealth Management Group, LLC, where he has been involved since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting, utilizing model portfolios, research, and various technology-driven strategies.

Carson Cushing is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 66 and Series 63 designations. Prior to joining Fidelity Investments in 2025, he worked at Veritude from 2016 to 2019. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, including fund advisory and model portfolio construction. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves in formal advisory roles to multiple registered investment companies.

Oliver Kearney is a Financial Advisor with Merrill Lynch Wealth Management based in La Jolla. He provides advice and guidance tailored to clients' family goals and priorities, focusing on a client-centered approach rather than market trends. He collaborates with clients to adjust financial plans as their needs and market conditions evolve. Oliver specializes in areas including corporate benefits, corporate executive services, education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, sports and entertainment, and tax minimization. He follows a disciplined process that begins with understanding clients' financial situations and what matters to their families. Oliver holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his bachelor's degree from the University of Southern California. Outside of his professional work, Oliver has been involved with the USC Alumni Association from 2020 to 2023. His personal interests include golfing, pickleball, running, skiing, spending time with family, surfing, swimming, tennis, traveling, and volleyball.

Sandra Sanchez Heredia is a financial advisor with UBS Financial Services in San Diego, CA. She holds a Series 66 designation and has five years of industry experience, including seven years at UBS Wealth Management Mexico prior to joining UBS Financial Services in 2020. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets solutions.

Peter Martin is a financial advisor at UBS Financial Services with 37 years of industry experience. He has been with UBS since 2006 and also has a background at Piper Jaffray & Co dating back to 2004. He holds Series 63 and Series 65 registrations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets and investment solutions.

Gary Bjornson is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 48 years of industry experience. He has been with LPL Financial since 2004. 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 broad range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Octavio Tudela is a financial advisor with Morgan Stanley Wealth Management in San Diego, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Merit Financial Group, LPL Financial, Avantax Advisory Services, and Reason Financial. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and investment analysis, with approximately $2.74 trillion in client assets under management.

Jorge Orozco is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He holds Series 63 and Series 66 credentials and has worked with J.P. Morgan Securities since 2014. Outside of his advisory role, he serves on the Finance Council at Christ the King Catholic Church, where he is involved in stewardship of the parish’s financial assets and risk management. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Mark Marcelo is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 credentials and four years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company and Joseph Financial. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its investment recommendations and offers customized solutions delivered on a non-discretionary basis.

Anthony Gee is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he supports clients in addressing a range of financial objectives, including retirement planning, funding education expenses, and developing customized strategies to meet long-term family goals. Anthony holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from San Diego State University. His approach emphasizes aligning financial planning with each client's unique priorities, aiming to simplify the investment process and enhance transparency throughout the wealth management journey.

Anthony Bayona is a financial advisor at Raymond James Financial with 17 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for 11 years. Bayona is also an author based in Poway, CA. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset allocation analysis and firm research to develop tailored recommendations.