Rachel Gibson is a financial advisor with LPL Financial, holding a Series 66 designation and 20 years of industry experience. She has worked at Linsco/Private Ledger Corp since 2004. 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, wrap and model portfolio programs, and institutional platforms, supported by a network of over 22,800 advisors.

David Wine is a financial advisor with Primerica Advisors in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Primerica Advisors since 2000 and has been affiliated with Primerica Financial Services since 1984. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on a range of investment models including Strategic, Tactical, Tax-Aware, and Income Distribution approaches.

Andrew Cap is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 licenses and 14 years of industry experience. His career includes roles at Charles Schwab Bank, Realty Income, and self-employment, with prior work in real estate-related businesses. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and advisory infrastructure.

Jonathan Nash is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior roles include positions at JP Morgan Chase Bank, JP Morgan Securities, CalChoice, Covered California, Dickerson Employee Benefits, and The Prudential Insurance Company of America. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm’s offerings include a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs, distinguishing it among large institutional advisers.

Kevin Hoskins is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to create, implement, and monitor customized financial plans, aiming to provide a world-class planning experience through genuine, straightforward, and attentive service. Kevin has been with Fidelity Investments since 2014, progressing through positions including Financial Representative, Investment Consultant, and Financial Consultant before his current role. Prior to joining Fidelity, he worked as an Investment Consultant at Scottrade from 2013 to 2014. He holds a California Insurance License. Outside of his professional work, Kevin has interests in baseball, fitness, football, social events with friends, and reading.

Joseph Desantis is a financial advisor with Wells Fargo Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and having 26 years of industry experience. His career includes prior roles at Merrill, Fidelity, and Citigroup Global Markets. Wells Fargo Advisors Financial Network is a broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients with a broad range of investment and financial planning services, including specialized planning for business-owner transitions, sports and entertainment, special needs, and divorce. The firm uses proprietary research and tools to develop tailored recommendations delivered through meetings and written summaries, with clients deciding how to implement them.

Karl Freeman is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting, managing approximately $671 billion in assets through more than 14,000 financial advisors.

Archievhal Alvarado is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 designations and 13 years of industry experience. His prior roles include positions at Edward Jones, City National Bank, and JP Morgan Securities. Outside of finance, he is involved in BowtiedJ Events as a musician. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach, leveraging portfolios developed by its research team and third-party strategists, and offers access to financial planning, third-party asset managers, and affiliated insurance and trust services.

Anne Gotingco is a financial advisor with Raymond James & Associates based in San Diego, CA. She holds a Series 66 designation and has 19 years of industry experience, including prior roles at Wells Fargo Clearing. She has been with Raymond James & Associates since 2018. 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, institutional investors, and municipal entities, offering a range of financial planning and investment consulting services with tailored, non-discretionary client relationships.

Tomer Rabizadeh is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and 66 designations and bringing 15 years of industry experience. He has been with Morgan Stanley since 2013 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a general board member for Sephardic Temple Tifereth Israel in Los Angeles. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Alexander Howell is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds the Series 66 designation and has been with UBS since 2008. 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, utilizing proprietary research and a broad range of capital markets and lending programs.

Shaurya Chauhan is a financial advisor at J.P. Morgan Securities in San Diego, CA, with five years of industry experience. He holds Series 63 and Series 66 designations and has held positions at JPMorgan Chase Bank, Northwestern Mutual, and Sagepoint Financial. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Robert DeVoe is a Financial Consultant at Fidelity Investments, a role he has held since 2021. In this position, he partners with clients to understand their personal and professional situations, conducts thorough analyses, and discusses tailored financial strategies that align with their preferences. Prior to his current role, Robert served as a Sales Manager specializing in Fixed Income at TD Ameritrade from 2014 to 2021. Robert holds a California Insurance License, supporting his ability to provide comprehensive financial guidance. Outside of his professional responsibilities, he has personal interests that include cars, family activities, hiking, pets, and table tennis.

Russell Handler is a financial advisor with LPL Financial based in San Diego, CA. He holds Series 63 and Series 65 designations and has 11 years of industry experience. Prior to joining LPL Financial in 2022, he worked for eight years with Putnam Retail Management. 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, supported by a large network of over 22,800 advisors.

Anthony Ceccacci is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance Company, and Equitable Advisors. He has been with LPL Financial since 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of financial planning and investment management services, leveraging model portfolios, third-party subadvisors, and technology tools to support its advisory network.

Kevin Dowell is a financial advisor with LPL Enterprise holding a Series 66 credential and two years of industry experience. Prior to joining LPL Enterprise in 2026, he worked at Edward Jones from 2023 to 2025. He serves on the board of the Aviaro Oaks PTA in Carlsbad, CA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm emphasizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in wrapped portfolio programs.

Ahmed Elemary is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at E*TRADE Securities, E*TRADE Capital Management, Bank of America, and Merrill. Outside of advising, he owns a donut bar franchise and is involved in developing a child safety device through his personal business ventures. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, focusing on tailored financial planning supported by firm-approved tools and methodologies.

Diana Moreno is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. She has worked at Wells Fargo since 2016 and previously spent a year at RBC Capital Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

James Needy is a financial advisor at Edward Jones with five years of industry experience. He holds Series 63 and Series 66 designations. Prior to Edward Jones, he has worked at NYLife Securities and has experience in sports-related roles, including coaching football and baseball for local high school teams and serving as president of a community group. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of investment advisory programs, discretionary and non-discretionary strategies, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets with a nationwide network of financial advisors and branch offices.

Kristin Norby is a financial advisor with Morgan Stanley who holds the Series 63 and Series 66 designations and has 40 years of industry experience. She has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009, following a six-year tenure at Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and modeling techniques as part of its financial planning process.