Robert Kennedy is a financial advisor with Cetera based in San Diego, CA, holding the Series 66 designation and 18 years of industry experience. He has worked with multiple entities within the Cetera network since 2018 and previously spent eight years at LPL Financial. Cetera Investment Advisers LLC is an SEC-registered firm that provides services to individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning solutions through a large nationwide network of independent advisors, using a multi-manager platform that includes affiliated and third-party model portfolios and bespoke investment strategies.

Magdiel Delgado is a Series 66-credentialed financial advisor with nine years of industry experience, currently serving at UBS Financial Services since 2018. Prior to UBS, he worked at BBVA Wealth Solutions and BBVA Securities, as well as COMPASS Bank. Delgado is also an employee of an affiliated bank where he is authorized to offer banking products and services. UBS Financial Services 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, delivering advisory work through a network of advisors supported by proprietary research and model-based asset allocations.

Jorge Gonzalez is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2022, following previous roles at Wells Fargo Clearing and Wells Fargo Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a structured financial planning process that incorporates firm-approved tools and analysis methods, including Monte Carlo simulations and Secular Return Estimates.

Rick Meiss is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 20 years of industry experience. He previously worked for SCF Investment Advisors, Inc. and SCF Securities, Inc. for ten years. Outside of his advisory role, Meiss is also a non-variable insurance agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Kathryn Alvarez is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill since 2008. Outside of her advisory role, she serves as a notary public. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Marque Cohen is a financial advisor at UBS Financial Services with 33 years of industry experience. He has worked at UBS since 2009 and holds Series 63 and Series 65 designations. 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 and offers proprietary research, custody, underwriting, and capital markets services.

Matthew Hanson is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at Wells Fargo Clearing, J Kelly & Associates, and Sterling Wealth Strategies. He has also been affiliated with the United Church of Christ of La Mesa. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios consisting of mutual funds, ETFs, and ETPs.

Alexander Stanescu is a Series 66-licensed financial advisor at Raymond James & Associates with two years of industry experience. Prior to joining Raymond James in 2025, he worked at Commonwealth Financial Network for three years and LPL Financial for one year. He also spent nine years at San Diego State University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a nationwide adviser network.

Michael Fendley is a Wealth Management Advisor and Portfolio Manager at Merrill Lynch's Global Wealth Management Group. He works with families to help them achieve their financial goals through comprehensive wealth management, including planning, investment management, loan management, and financial services. His approach focuses on ensuring families clearly articulate and document their financial philosophies around earning, spending, saving, investing, and sharing money, aligning their financial and estate strategies with their core values. He addresses both opportunities and challenges surrounding wealth management with tailored strategies. Michael began his career with nearly ten years as a Portfolio Manager and Wealth Management Advisor at Morgan Stanley in Chicago and La Jolla before joining Merrill's San Diego office in 2008. He holds a Bachelor of Arts degree from Purdue University (1994) and earned a Certificate in Financial Planning from DePaul University in 2003. He obtained his CERTIFIED FINANCIAL PLANNER® practitioner certification in 2004, qualified for the Morgan Stanley Custom Portfolio program as a Portfolio Manager in 2007, and holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In his role, Michael manages personalized investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment approaches. When providing services through the firm's Investment Advisory Program, he may manage strategies on a discretionary basis. Outside of work, Michael's personal interests include music, spending time with family, traveling, volleyball, watching movies, and practicing yoga.

Johnathon Tang is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2022, initially serving as a Financial Consultant. Prior to that, he worked at Columbia Threadneedle Investments in roles including Regional Advisor Consultant from 2021 to 2022 and Internal Advisor Consultant from 2019 to 2021. His earlier experience includes positions at Eaton Vance and State Street. As a Certified Financial Planner®, Johnathon partners with clients to understand their financial goals and develop customized plans to help achieve them. He focuses on helping individuals and families feel comfortable and confident in their short and long term financial objectives. He holds a California Insurance License. Outside of his professional work, Johnathon's personal interests include fitness, golf, photography, running, volunteering, and yoga.

Sandy Bayne is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 credentials and 16 years of industry experience. She has previously worked at First Republic Investment Management and U.S. Bancorp Advisors. Outside of her advisory role, she holds a notary position, providing document notarization services on personal time. J.P. Morgan Securities offers institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory process combines quantitative and qualitative research to provide written asset allocation advice and customized performance reporting, with clients retaining final decision-making authority.

Mark Sanchez is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at LPL Financial, Mass Mutual, and Ameriprise, among others. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a large network of independent advisors and provides multiple program options including discretionary and non-discretionary management across diverse investment strategies.

Jamshid Hoorfar is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He previously worked at Prudential Insurance Company of America and PRUCO Securities, LLC for 39 years before joining LPL Financial in 2020. He serves as president of Dynasty Wealth Management’s insurance agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, 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, and institutional platforms.

Thomas Trax is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 designations and 32 years of industry experience. He has been with LPL Financial since 2001. Outside of his advisory role, he serves as a board member for the Hillside Professional HOA, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm offers a range of financial planning, asset management, and institutional platforms, utilizing various investment strategies supported by research and technology tools.

Christopher Wells is a financial advisor with RBC Capital Markets, holding a Series 66 designation and bringing 21 years of industry experience. He has worked at RBC Capital Markets since 2014 and at City National Bank since 2017. Outside of his advisory role, he is a passive owner of a real estate development and management business. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Hector Ramirez is a financial advisor with Primerica Advisors in Chula Vista, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior work includes roles at Century 21 Award, Edward Jones, and Berkshire Hathaway Home Services. He holds a real estate license in California, currently inactive. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Lisett Didonatoyoung is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. Her career includes roles at UBS International Inc, Wells Fargo Clearing, and Prudential Equity Group, LLC. She has been with UBS Financial Services since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and utilizes proprietary research and model-based asset allocations to tailor strategies for clients.

Ivan Rodriguez is a financial advisor with Charles Schwab, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at LPL Financial and Altegris Investments. He is currently based in San Diego, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative investment process.

Amethyst Lewis is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 credential and six years of industry experience. Her career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. She also served with Tohi Care Homes, Inc. from 2016 to 2021. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individuals and institutional clients, leveraging firm-approved tools and strategies such as Monte Carlo simulations and Secular Return Estimates to support tailored planning.

Kevin Yoneda is a financial advisor at OSAIC with 30 years of industry experience. Prior to joining OSAIC in 2023, he spent 14 years at Sagepoint Financial, Inc. and 20 years at Independent Capital Management. He also serves as president and owner of KJY LLC, an LLC involved in property purchasing and improvements. OSAIC Wealth serves a broad client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering comprehensive financial planning and advisory services. The firm emphasizes model-based asset allocation and portfolio optimization, utilizing both proprietary and third-party investment strategies, and is notable for its scale, affiliate network, and recent consolidation activity.