Jorge Figueroa is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked in roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and several hospitality and insurance companies. 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, offering a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts.

Adeline Wong is a financial advisor at Cetera with 27 years of industry experience. She holds a Series 63 designation and has been with Cetera and its affiliated entities since 2017. Prior to that, she worked at Linsco/Private Ledger Corp. for 13 years. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with a multi-manager platform enabling advisors to implement model portfolios, select third-party managers, or build customized strategies.

Valerie Stanek is a CFP® with 34 years of industry experience, currently serving as a financial advisor at OSAIC since 2025. She previously spent ten years with Lincoln Financial Advisors. Outside of her advisory role, she also practices as an attorney and acts as a notary, offering legal services and related investment activities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk management, and utilizing multiple third-party platforms and investment strategies.

Christopher Kemp is a financial advisor with LPL Financial in San Diego, CA, holding the Series 66 designation and 14 years of industry experience. His prior roles include positions at OSAIC, FSC Securities Corporation, and Merrill. Outside of financial advising, he serves as CFO of a children's gymnastics center and is developing a budgeting education service. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services supported by extensive advisor tools and a diverse platform of investment strategies.

Tyler Michels is a CFP® professional with three years of industry experience currently affiliated with Charles Schwab in San Diego, CA. His prior experience includes roles at Wells Fargo Clearing Services and Ball Aerospace. 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 relationships with access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment due diligence.

Robert Gloss is a financial advisor with LPL Enterprise holding a Series 66 designation and seven years of industry experience. His prior roles include positions at BMO Harris Financial Advisors and ARB Trading Group. He is based in San Diego, CA. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and participation in a wrap program.

David Elster is a CFP® professional with 15 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2022. His previous roles include positions at Wells Fargo Bank, Wells Fargo Clearing, CUSO Financial Services, Waddell & Reed, Merrill, and Morgan Stanley. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, retirement advice, and institutional platforms.

Gerardo Esparza Lopez serves as a Financial Solutions Advisor with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their financial priorities and develop strategies aimed at achieving short-, mid-, and long-term goals. He provides guidance on a range of financial topics, including investing, retirement planning, and emergency savings, while also facilitating access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Gerardo holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He completed a non-accredited certificate program at Universidad Autonoma de Baja California. His approach centers on helping clients identify what matters most to them and their families to create tailored strategies for pursuing financial objectives.

Grant Lewis is a Series 66 designated financial advisor with Morgan Stanley in San Diego, CA, with 20 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. apart from Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides investment and planning services through its Financial Advisors and Estate Planning Strategies Group.

Thomas Drabek is a CFP® professional with 38 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. He previously worked at Woodbury Financial Services Inc. from 2016 to 2024 and has operated his own sole proprietorships focused on insurance and annuities since the late 1980s. Drabek’s business activities include the sale of fixed and index annuities, life insurance, and long-term care products. OSAIC Wealth, Inc. serves a wide range of clients including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with portfolios constructed using firm-provided asset allocation tools, employing both discretionary and non-discretionary management approaches.

Dustin Tracy is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2006. He has 18 years of industry experience. He served on the Board of Directors for the Autism Society of San Diego, supporting fundraising events for autism programs in the region. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor investment strategies to client goals and risk profiles.

William Allford is a financial advisor with RBC Capital Markets in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with RBC Capital Markets since 2016. Outside of his advisory role, he serves on the Board of Directors for the NSAC Alano Club, a nonprofit recovery organization. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management solutions, leveraging both in-house and third-party investment resources.

Ardaches Peltekian is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. 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 services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market modeling techniques.

Melody Donnelly is a financial advisor at Charles Schwab with 14 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at TDAmeritrade, Word and Brown, and The Prudential Insurance Company of America. Outside of advising, she has a long-standing involvement with Laz Parking since 2016. 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, offering a combination of non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts.

Eithar Gaggi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 13 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has also worked with JPMorgan Chase Bank, N.A. since 2011. Outside of her advisory role, she owns a rental property. J.P. Morgan Securities 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver its services.

John Galano is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His prior roles include positions at Merrill and Bank of America. Morgan Stanley Wealth Management serves both individual and institutional clients, managing approximately $2.74 trillion in assets through a range of advisory programs and financial planning services that incorporate firm-approved tools and investment committee insights.

Tiffany Cederlind is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Wells Fargo Advisors Financial Network since 2026 and has prior experience with Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients through a broad range of planning options tailored to clients meeting certain net-worth criteria. The firm’s services include specialized planning solutions and utilize Wells Fargo research and tools to develop tailored recommendations, with clients able to implement advice through various brokerage or advisory programs.

Jason Kriz is a Financial Consultant currently working with Fidelity Investments since 2024. He partners with clients and families to help build sound financial plans aimed at fostering confidence in their financial decisions. Jason employs a needs-based approach to collaborate with clients over the long term, adapting to life's changes. His professional experience includes roles as a Financial Consultant and Executive Relationship Manager at Morgan Stanley from 2020 to 2024, Senior Financial Sales Advisor at BBVA Compass from 2018 to 2020, and Financial Advisor at Edward Jones from 2016 to 2018. Jason holds a California Insurance License and is a Certified Financial Planner (CFP®). Outside of his professional work, Jason enjoys interests such as food, golf, theater, traveling, and volunteering.

Eduardo Marek is a financial advisor at Morgan Stanley in San Diego, CA, with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with 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 supported by proprietary tools and modeling techniques.

Jaime Lima is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2017. Prior to his financial career, he was employed at the Center for Oral and Facial Surgery. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad array of investment and planning services.