Boyd Bergen Jr. is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and having 27 years of industry experience. He has previously worked at OSAIC and Investment Advisors Asset Management, LLC, among other firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools.

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 in San Diego, CA, holding Series 63 and Series 66 designations and four years of industry experience. His prior roles include positions at Alameda Mortgage Corporation and Royal Mortgage Solutions. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to develop model asset allocations.

Linda Martin is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 27 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith since 1995. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

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 prior roles include positions at Legacy Park Advisors and Considine & Considine, spanning a combined 11 years in the financial sector. 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.

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 at LPL Financial with Series 66 registration and one year of industry experience. She has held roles at 5x Solutions and Chryssostomides Financial Services since 2025. Outside of financial advising, she worked at the UCLA Undergraduate Writing Center from 2022 to 2024. 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.

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.

Rhonda Mills is a financial advisor with LPL Financial in Chula Vista, CA, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. Her prior roles include positions at San Diego County Credit Union, U.S. Bancorp Advisors, Merrill, WFP Securities, and Zions Capital Advisors. 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 portfolios, third-party asset management, and institutional platforms.

Ryan Scherer is a financial advisor with Cetera who holds a Series 66 designation and has 12 years of industry experience. His work history includes roles at Scottrade, Wells Fargo Clearing, and multiple Cetera entities since 2018. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supported by over 10,000 advisors and more than $256 billion in assets under management.

Selena Valencia is a Wealth Management Planning Consultant at Fidelity Investments, a role she has held since 2025. She has been with Fidelity Investments since 2018, progressing through various positions including Planning Consultant, Relationship Manager, Financial Representative, and Customer Experience Associate. Throughout her career, Selena focuses on helping families with their unique goals and strategies, emphasizing trust and honesty in her professional approach. She holds a California Insurance License. Outside of her professional work, Selena has interests that include attending concerts, outdoor adventures, spending time with pets, traveling, and practicing yoga.

Virginia Lawrence is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2011 and previously held roles at Wells Fargo Clearing, Wells Fargo Investments, LLC, and Banc of America Investment Services, Inc. Morgan Stanley Wealth Management is a large, SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and research to support its advisory process.

Cameron Henderson is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping clients manage their wealth through personalized strategies tailored to their financial goals. Cameron's areas of focus include education planning, family wealth management strategies, personal retirement planning, tax minimization, and retirement income. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Cameron earned a bachelor's degree from San Diego State University. Outside of his professional work, he enjoys baseball, basketball, football, music, pickleball, spending time with his family, and watching movies.