Joseph Tacto is a financial advisor with Charles Schwab based in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has worked at Charles Schwab since 2023 and maintains long-term affiliations with New Vision International and A.L. Williams. Outside of finance, he works in retail sales at Nordstrom. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a large, integrated operational structure.

Rob Sanders is the Vice President, Wealth Planner at Fidelity Investments. He has been with Fidelity since 2012, holding various roles including Investment Consultant, Financial Consultant, Investment Solutions Consultant, and currently serving as a Wealth Planner since 2022. His professional experience centers on wealth planning and investment consulting. Rob holds insurance licenses in Arkansas and California. He emphasizes experience, dedication, and integrity in his work, aligning with Fidelity's brand, ethics, and access. Outside of his professional responsibilities, Rob's personal interests include cars, cooking and baking, family activities, parenthood, sailing, and soccer.

Nicholas Schoettle is a CFA® charterholder and holds a Series 66 license, with four years of experience in the financial services industry. He currently serves as an associate at Schoettle Financial and works with Cetera since 2022. Outside of his advisory role, he is the treasurer for Casa de los Pobres USA, a nonprofit organization based in San Diego. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and retirement services. The firm serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts.

Moises Garcia is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 24 years of industry experience. He previously worked at Morgan Stanley and UBS before joining Wells Fargo Clearing in 2019. 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 advice. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Scott Hoxie is a Series 66 credentialed financial advisor with 19 years of industry experience. He is currently with Cetera and has previously worked at First Allied Advisory Services, Inc. He serves as a board member for the Pacific Psychology Center, a nonprofit organization. Cetera Investment Advisers LLC supports a large network of independent advisors and serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through various program structures and third-party managers.

Karrin Ryan is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her prior roles include positions at Wells Fargo Advisors LLC and Wells Fargo Clearing. She serves as a board member for the Rest Haven Children's Health Fund, a charity supporting children in need of medical or health funding. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, offering model-based asset allocations and research-driven financial planning through a large network of advisors.

Boyd Bergen Jr. is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at OSAIC for 18 years and Investment Advisors Asset Management, LLC for 14 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing proprietary research and third-party models across discretionary and non-discretionary management approaches.

Ryan Souligny is a financial advisor at RBC Capital Markets with 25 years of industry experience. He holds Series 63 and Series 65 designations and has worked at RBC Capital Markets since 2014 and City National Bank since 2016. Outside of his financial career, he is involved in private business ventures including ownership of a music production company and a partnership in a San Diego-based restaurant and microbrewery. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies that utilize both in-house and third-party managers, and features a broad capital markets and asset management platform.

Dana Beden is a financial advisor with Mass Mutual Investors Services in San Diego, CA, holding the Series 66 designation and four years of industry experience. Prior to joining Mass Mutual in 2022, Dana worked at Insight Global for six years. Dana also works as an insurance broker, focusing on life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and deliver written recommendations.

Adolfo Valencia is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and three years of industry experience. His prior roles include positions at Alameda Mortgage Corporation, Royal Mortgage Solutions, and NCWC Dealer Services Inc. 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 non-discretionary advisory model. As a subsidiary of J.P. Morgan, the firm combines institutional advisory capabilities with brokerage and investment management functions.

Zachary Gignac is a financial advisor with Fidelity Investments in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Prior to joining Fidelity, he worked at The Vanguard Group from 2013 to 2023 and has experience working in hospitality as a bartender. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to a diverse clientele including retail and institutional investors, with an investment process that integrates proprietary research, quantitative analysis, and algorithmic portfolio construction.

Celine Doucet is a CFP®-designated financial advisor with 15 years of industry experience. She is currently with Cetera and has held various roles within affiliated entities since 2018. Her prior experience includes positions at Unionbanc Investment Services. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. It offers a range of portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary accounts across multiple program structures.

Todd Johnson is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has been associated with Cetera and its affiliated firms since 2013. Johnson is also involved with Celeste Financial Group, a financial services DBA, where he performs client relations and administrative duties. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and oversees more than $256 billion in assets across a network of over 10,000 advisors.

Carey Anderson is Vice President and Financial Consultant at Fidelity Investments, a role held since 2024. Prior to this, Carey served as a Financial Consultant at Fidelity from 2019 to 2024. In this capacity, Carey works with clients to develop wealth plans and investment strategies tailored to their personal financial goals, utilizing Fidelity's platforms, research, and resources. Carey holds a California Insurance License, supporting the ability to advise clients on insurance-related financial matters. Outside of professional responsibilities, Carey enjoys activities such as beach outings, comedy, family activities, fitness, outdoor adventures, and spending time with pets.

Gregory Park is a financial advisor with LPL Financial in San Diego, CA, holding two years of industry experience. His career includes roles at Legacy Park Advisors and Considine & Considine. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management supported by research and model portfolios.

Christianne Hutchinson is a financial advisor at Fidelity with two years of industry experience. She holds a Series 66 designation and has worked at several firms, including Northwestern Mutual Investment Services LLC and Jonathan Murphy. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm is noted for its use of algorithmic methods and AI in research, its registered commodity pool operator status, and its advisory role to multiple registered investment companies.

Dennis Falkowski is a financial advisor at UBS Financial Services with 36 years of industry experience. He holds a Series 63 designation and has been with UBS since 2008. Falkowski is also involved with the Falkowski Family Trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering services such as fee-based financial planning, discretionary portfolio management, and capital markets activities.

Tony Truong is a financial advisor with Thrivent Investment Management in San Diego, CA. He holds a Series 66 designation and has 12 years of industry experience. Truong has been with Thrivent and its affiliated entities since 2013. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based financial planning across a broad range of topics, allowing clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping planning and investment management separate.

Sara De Torres is a financial advisor with LPL Financial, holding a Series 66 designation. She has been with LPL Financial since 2026 and has prior experience working with 5x Solutions and Chryssostomides Financial Services. Outside of her advisory roles, she worked at the UCLA Undergraduate Writing Center for two years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, and institutions. The firm provides a range of advisory programs, financial planning, and retirement consulting with both discretionary and non-discretionary management options, supported by research and third-party investment strategies.

Andrew Ratner is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 63 designation and 39 years of industry experience. He has been with UBS since 1994. Outside of his advisory role, he serves on the boards of the National Conflict Resolution Center and the Jewish Community Foundation, where he also chairs a committee, and participates in the finance committee of La Jolla Country Day School. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client solutions.