David Wilson is a CFP® and holds a Series 66 license, with 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives, demographics, and risk tolerances.

Zachary Allums is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and approximately one year of experience at the firm. Prior to joining Equitable Advisors, he worked at Allums Law, APC and was involved with OC Paddlesports. 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 uses a hybrid referral and implementation model, tailoring services based on client goals, risk tolerance, and time horizon.

Armand Magcalas is a financial advisor at Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses with 12 years of industry experience. He has been with Morgan Stanley since 2014 and has worked at Morgan Stanley Private Bank, N.A. since 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering 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 that includes firm-approved tools and modeling techniques.

Melissa Frazier is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 17 years of industry experience. She previously worked at UBS Financial Services for 13 years before joining LPL Financial in 2025. Frazier is also a notary. 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 advisers. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches.

George Feliciano is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He previously worked at TD Ameritrade for seven years before joining LPL Financial in 2022. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, with access to various model portfolios and research.

Jacquelyn Walker is a financial advisor at Wells Fargo Advisors with six years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Advisors since 2015. Outside of her advisory role, she is involved in modeling and brand representation, serves as a yoga instructor, works as a notary public, and provides pet care services through Rover. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services, utilizing proprietary research and tools to develop tailored recommendations for its clients.

Reza Taraz is a financial advisor with Ameriprise in Carlsbad, CA, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 1999. Outside of his advisory role, he is a board member of the Rancho Santa Fe Rotary Club and owns Taraz Administrative Services, LLC, a management consulting business. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary retirement recommendations through a centralized consulting team.

David McDonald is a financial advisor at LPL Financial with 21 years of industry experience and holds a Series 66 designation. Prior to joining LPL Financial in 2025, he worked for nine years at Eagle Strategies, NYLIFE Securities LLC, and New York Life Insurance Company. 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 financial planning and a range of advisory programs, including discretionary and non-discretionary management, supported by proprietary and third-party research.

Shawna Such is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been providing financial and wealth management advice and services since 1997, serving individuals, families, businesses, and non-profit organizations. Her responsibilities include identifying and delivering financial strategies tailored to clients' financial goals and objectives. Shawna's client base includes business owners, medical professionals, non-profits, and entertainment clients. Her approach emphasizes developing lifelong business and personal relationships while delivering service with integrity and timeliness. Shawna earned her bachelor's degree from the University of San Diego. She holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She is affiliated with the San Diego Sports Association and contributes to community initiatives such as the Fowler Business Concept Challenge and the Million Meals Project. Shawna resides in Carlsbad, California, with her husband and three children. In her free time, she enjoys surfing with her family, skiing, hiking, softball, and traveling.

Laheeb Karana is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and has worked with various Wells Fargo entities since 2008. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Susan Fargo is a CFP®-certified financial advisor with 25 years of industry experience. She is currently affiliated with LPL Financial and San Diego County Credit Union, where she has held roles since 2006 and 2021, respectively. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by a range of model portfolios and research.

Deanna Hang is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. She has been with Ameriprise and its predecessor firm since 2006. Outside of her advisory role, she has interests in real estate ownership. Ameriprise is an institutional firm that offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Ryan Tertel is a financial advisor at J.P. Morgan Securities with the Series 66 designation and one year of industry experience. His prior work includes roles at RBC Wealth Management and JPMorgan Chase Bank, N.A. 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 an ESG eligibility framework.

Pejhmon Kalantar is a financial advisor at LPL Financial with 17 years of industry experience. He holds a Series 66 designation and has worked previously at U.S. Bancorp Investments, Inc. and U.S. Bank. His current roles include financial institution duties with Zions Bancorporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with access to research, model portfolios, and various specialized services.

Christopher Lelli is a financial advisor at Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses with 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and previously worked at UBS Financial Services starting in 2003. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools supported by its Global Investment Committee to guide clients in developing personalized financial strategies.

Brian Grigg is a PFS™-designated financial advisor with 17 years of industry experience, currently with LPL Financial. He has held roles at Avantax Insurance Services, Hughes Ferguson Grigg LLP, and operates his own firms including Grigg Financial Group and Brian Grigg CPA/PFS Inc, which provide tax preparation and accounting services. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a broad network of representatives. The firm offers diverse advisory programs, financial planning, retirement consulting, and utilizes research-supported model portfolios with options ranging from discretionary to non-discretionary management.

Lisa Behun is a financial advisor with RBC Capital Markets in La Jolla, CA, holding a Series 66 designation and 18 years of industry experience. She previously worked at Merrill for 17 years and Bank of America, N.A. for 19 years. RBC Wealth Management serves a broad client base, including individual investors, institutions, corporations, and charitable organizations. The firm offers a variety of advisory programs with tailored investment strategies, utilizing both in-house and third-party managers, and provides comprehensive portfolio management, financial planning, custody, and brokerage services.

Chloe Williams is a financial advisor at OSAIC with four years of industry experience. She previously worked at Lincoln Financial Advisors Corporation for four years and attended UC Berkeley from 2017 to 2021. Williams holds a Series 66 designation. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm uses a variety of tools and platforms to construct portfolios and supports legacy programs and account transitions.

Carlos Getino is a CFP® with 35 years of industry experience, currently affiliated with LPL Financial since 2022. He previously spent 31 years at Ameriprise Financial Services, Inc. There are no notable outside activities reported. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations, offering a range of financial planning and advisory programs supported by research and multiple portfolio management strategies.

Shannon Cruz is a financial advisor at Morgan Stanley in La Jolla, CA, holding a Series 66 designation with three years of industry experience. She has been with Morgan Stanley and its affiliate for nine years, beginning her career at Morgan Stanley & Co. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and models to assist clients.