Bruce Lutomski II is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Kimberly Kurek is a financial advisor at LPL Financial with 10 years of industry experience. She holds the Series 66 designation and has been with LPL Financial since 2014. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Robert Young III is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 20 years of industry experience. His prior roles include positions at Planmember Securities Corporation and One2One Wealth Strategies. Outside of advising, he is involved with Young Financial Services, Inc., a business entity focused on tax and investment matters. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm supports a range of investment strategies, combining proprietary research, third-party management, and technology tools across a large network of advisors.

Ryan Ramirez is a financial advisor at UBS Financial Services with two years of industry experience. He holds the Series 66 designation and has previously worked at Bryant University and Torrey Pines High School. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines wealth management with institutional trading capabilities, including futures commission merchant activities and principal trading.

Laila Margallo is a Wealth Management Advisor with Merrill Lynch Wealth Management. No additional information about Ms. Margallo's experience, education, credentials, or personal interests was provided.

Robert Farwell is a CFP® with six years of experience at Edward Jones and five years in the financial industry overall. Prior to joining Edward Jones in 2020, he worked at ProLearning Source Inc for nine years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

James Lynch is a financial advisor at RBC Capital Markets with 31 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Wells Fargo Clearing and Wells Fargo Advisors LLC. Lynch is based in San Diego, CA. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers multiple advisory programs that provide discretionary and non-discretionary portfolio management, financial planning, custody, and brokerage services, tailoring strategies based on each client’s risk profile and utilizing a combination of in-house and third-party investment managers.

Luc Bretin is a financial advisor at Equitable Advisors in San Diego, CA, holding a Series 66 designation. He has no prior industry experience and has held multiple roles in educational and association settings before joining Equitable Advisors. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm delivers solutions through a network of Investment Adviser Representatives and offers a range of programs, including referrals to third-party asset managers and LPL-sponsored advisory options.

Curran Robertson is a CFP® with five years of industry experience, currently serving as a financial advisor at Morgan Stanley. Prior to joining Morgan Stanley, he worked at City National Bank and RBC Capital Markets. He serves on the Advancement Committee for Nativity Prep Academy, a nonprofit focused on supporting first-generation college-bound students from under-resourced families. Morgan Stanley Wealth Management provides tailored financial planning and advisory services to individuals and institutions, managing approximately $2.74 trillion in client assets through a variety of programs and strategies.

Veronica Dean is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. Her prior roles include positions at Wells Fargo Advisors LLC and Wells Fargo Clearing. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with substantial investable assets, providing detailed, non-discretionary recommendation reports that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research and modeling with algorithmic tools overseen by a Retirement Income Oversight Committee to deliver tailored retirement income advice.

Cameron Noorany is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 34 years of industry experience. He previously worked at LPL Financial LLC for 22 years and serves as president of RMW Consulting, a financial services firm he has operated since 2003. Noorany is also an insurance agent selling fixed insurance products and is a board member of Advisors Choice Insurance Brokerage Services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm provides a multi-manager investment platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers across various program structures.

Andrew Chabot is a CFP® practitioner with 23 years of industry experience, currently with Equitable Advisors since 2024. His prior roles include positions at Securities America Advisors, Waddell & Reed, Rancho Wealth Management, LPL Financial, and CUSO Financial Services. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs through a network of Investment Adviser Representatives. The firm emphasizes personalized advice through program models and third-party asset managers, providing a range of investment options and ERISA fiduciary services.

Lindsay Takacs is a Financial Consultant at Fidelity Investments, where she has been working since 2021. She collaborates with clients to create financial plans tailored to their individual and family goals, emphasizing the importance of trust and reliability in her client relationships. Prior to her current role, Lindsay held the positions of Relationship Manager and Financial Representative at Fidelity Investments from 2018 to 2021. Lindsay holds a California Insurance License, supporting her expertise in financial consulting and planning. Her approach focuses on maintaining competency and building lasting relationships with her clients. Outside of her professional work, Lindsay has personal interests in the beach, fitness, and Pilates.

Dmitriy Gusev is a financial advisor at LPL Financial with nine years of industry experience. He holds Series 63 and Series 65 registrations. His prior work includes roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and Citigroup. 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, third-party asset management, and institutional platforms.

Roy Isaiah is a financial advisor with Fidelity Investments, holding Series 63 and Series 65 credentials and three years of industry experience. His prior roles include positions at Premier Wealth Advisors, LPL Financial, and Christopher Weil & Company. Outside of his advisory work, he serves as an assistant basketball coach mentoring adolescents and is employed in hospitality at Mastro's Ocean Club in San Diego. Fidelity’s affiliate, Strategic Advisers LLC, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

Kenneth Greenlee is a financial advisor with Cetera in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. He has worked at multiple Cetera entities since 2017 and was previously with First Allied Securities. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with diverse program options.

Jaclyn Smith is a financial advisor at Wells Fargo Advisors with four years of industry experience. She holds the Series 66 designation and has a background that includes positions at Wells Fargo Clearing Services, Wells Fargo Bank, and law firms Procopio, Cory, Hargreaves & Savitch LLP and Hopkins & Carley. Smith also maintains a California law license and a real estate license, primarily for continuing education purposes. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning, including specialized services for business-owner transition, sports and entertainment, special needs, and divorce planning, using proprietary research and tools to develop tailored recommendations.

Jake Volo is a financial advisor with LPL Financial holding a Series 66 designation and one year of industry experience. Prior to his current role, he was involved with the International Bipolar Foundation for two years. He has also worked in various non-financial roles, including positions at San Diego State University and Mavericks Beach Club. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a wide range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers diverse investment solutions including financial planning, model portfolios, third-party asset management access, and institutional platforms.

Mario Reece Rosas is a financial advisor at UBS Financial Services with five years of industry experience. He holds the Series 66 designation and has been with UBS since 2018. Prior to his advisory career, he was involved with City Tacos for four years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, including futures commission merchant activities and market-making.

Austin Fitzgerald is a financial advisor with LPL Financial in San Diego, CA, holding Series 65 and Series 63 licenses and five years of industry experience. His work history includes roles at Cantor Fitzgerald Investment Advisors, Legend Rock Financial, and Ziply Fiber. 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, supported by tools such as machine learning for operational and research purposes.