Calvin Chambers is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. His previous roles include positions at Bank of America, Merrill, Transamerica Financial Advisors, and World Financial Group. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based financial analyses and written recommendations across various planning topics. The firm enables clients to combine these planning services with managed accounts through its WealthPlan option while maintaining separate planning and portfolio management functions.

Joshua Nelson is an Investment Consultant at Fidelity Investments, where he partners with clients and their families to develop and implement personalized financial plans aligned with their financial goals. He employs a three-step process that includes understanding the client and their family, analyzing their holistic financial picture, and implementing the plan in an accessible manner. Joshua has been with Fidelity Investments since 2020, progressing through roles as a Financial Representative, Relationship Manager, Planning Consultant, and currently as an Investment Consultant. He holds a California Insurance License. Outside of his professional work, Joshua enjoys family activities, exploring food, and participating in football and golf.

Kyle Malig is a financial advisor with Fidelity Investments in San Diego, CA, holding a Series 66 designation and one year of industry experience. His prior work includes roles at Sprouts Farmers Market and Boys & Girls Clubs of Carlsbad. He is affiliated with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of proprietary fundamental research and quantitative analysis to construct model portfolios drawn from mutual funds, ETFs, and ETPs, and it serves multiple registered investment companies with a focus on systematic portfolio construction and oversight.

Asaf Savion is a Wealth Management Senior Relationship Manager at Fidelity Investments, serving self-directed ultra-high net worth clients in the San Diego area. He focuses on providing responsive and knowledgeable service, connecting clients with subject matter specialists within Fidelity to ensure comprehensive access to resources and information. Asaf has been with Fidelity Investments since 2012, advancing through roles including Financial Representative, Relationship Manager, Planning Consultant, and currently Senior Relationship Manager in Private Wealth Management. He holds a California Insurance License. Outside of his professional responsibilities, Asaf enjoys comedy, family activities, fitness, movies, and music.

Michael Muehl is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank, National Association. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Karen Dhuyvetter is a CFP® with 23 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2014. She holds the Series 66 designation and operates out of San Diego, CA. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a range of advisory and brokerage offerings, utilizing proprietary capital market assumptions and research to tailor investment plans. The firm combines institutional trading capabilities with wealth management services, including fee-based financial planning, discretionary portfolio management, and access to capital markets and lending programs.

Kenneth Abady is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with UBS Financial Services since 2011. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm provides financial planning, portfolio management, and a range of capital markets services, leveraging proprietary research and institutional trading capabilities.

Marty Presser is the Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2013. Over the years, he has progressed through various roles including Financial Representative, Investment Consultant, and Regional Relationship Manager, bringing a comprehensive perspective to his current position. Marty leverages Fidelity's tools and resources to deliver tailored financial planning experiences aimed at achieving clients' financial peace of mind. His professional background encompasses a range of financial advisory roles that provide him with expertise in investment consultation and client relationship management. Marty holds a California Insurance License, which supports his capability in offering insurance-related financial guidance. Outside of his professional pursuits, Marty enjoys engaging in activities such as exploring different cuisines, following football, socializing with friends, and traveling.

Celia Garcia is a financial advisor at LPL Financial with 39 years of industry experience. She holds a Series 63 designation and previously worked for 26 years at Wedbush Morgan Securities Inc. in Carlsbad, CA. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Ronald Bussey is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 66 designations and has been with LPL Financial since 2002. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing model portfolios and research to support diversified investment strategies.

Irina Harichkova is Vice President and Financial Consultant at Fidelity Investments, where she has worked since 2013. She has held progressively responsible positions within the firm, including Financial Representative, Investment Consultant, Financial Consultant, and currently Vice President. Her role focuses on wealth planning and assisting clients with important financial decisions. Irina is licensed as an insurance professional in California. She emphasizes integrity and building lasting relationships with clients to support their financial goals, always prioritizing their interests. Outside of her professional responsibilities, Irina enjoys activities such as spending time at the beach, comedy, family activities, skiing, traveling, and caring for pets.

Adam Vale Cruz is a Series 66 licensed financial advisor at Edward Jones in San Diego, CA, with 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets with a nationwide network of more than 23,700 advisors and 15,000 branch offices.

Melissa Dominguez is a financial advisor at Ameriprise in Carlsbad, CA, holding a Series 66 designation with three years of industry experience. She has been with Ameriprise since 2017 and previously worked at Hollister Co. from 2013 to 2017. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement, typically with at least $1 million in net investable assets. The firm offers a range of advisory, brokerage, and insurance solutions through affiliated companies, utilizing a centralized retirement-income consulting team that combines research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports.

Peter Mondero is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with 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 through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.

Alin Frentzen is a financial advisor at Raymond James & Associates with 10 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for five years before joining Raymond James in 2020. Raymond James & Associates is a 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.

Rodrigo Oliva is a financial advisor at Ameriprise with 26 years of industry experience. He holds a Series 66 designation and has been with Ameriprise in various capacities since 2005. Outside of advising, he is a co-owner of NJ2CA, LLC, a business unrelated to his financial advisory role. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

Alexander Kaiser is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and nine years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides planning services that emphasize structured discovery and scenario modeling.

Sandra Fitchjian is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. She has been with Merrill since 1980, totaling 46 years at the firm. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a combination of model-based and discretionary investment strategies.

Heather Hill is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. She has been with Charles Schwab since 2013, including roles at Schwab Wealth Advisory and Charles Schwab Bank. 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 and access to affiliated discretionary separately managed accounts, supported by a centralized operational structure and comprehensive investment guidance.

Tyler Slavin is a Wealth Management Advisor and Portfolio Manager with Merrill Lynch Wealth Management. He has been with Merrill Lynch since 2014 and manages custom portfolios tailored to his clients' individual needs. Tyler specializes in areas such as retirement income planning, wealth building strategies, company retirement plans, and tax minimization techniques. His client service model emphasizes communication, goal tracking, portfolio management, and personalized advice. Tyler holds a Bachelor's Degree in Finance from San Diego State University. He earned the CERTIFIED FINANCIAL PLANNER® certification from the Certified Financial Planner Board of Standards, Inc. He also holds the Certified Investment Management Analyst® designation through the Investments and Wealth Institute and the CERTIFIED PLAN FIDUCIARY ADVISOR® designation through NAPA. Prior to joining Merrill Lynch, Tyler spent several years working in banking. Outside of his professional pursuits, Tyler resides in Rancho Peñasquitos with his wife Kayleigh and their two children, Owen and Harper. He enjoys activities such as mountain biking, running, hiking, and paddle boarding. Tyler also participates in community volunteering, reflecting the Merrill tradition of serving the communities where they work.