David Kelter is a Series 63-registered financial advisor with Ameriprise in Encinitas, CA, with 31 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 13 years before joining Ameriprise in 2022. Ameriprise provides a retirement-income planning service tailored to individuals approaching or in retirement, typically those with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Kimberly Guha is a CFP® and holds a Series 66 license with 10 years of experience in the financial services industry. She has worked at UBS Financial Services for 10 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2025. She is based in San Diego, CA. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning that incorporates structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Madeleine Smith is the Vice President, Wealth Planner at Fidelity Investments. In this role, she focuses on providing clients with a comprehensive understanding of the services offered by Fidelity, aiming to support them in achieving their financial goals. She prioritizes understanding the unique needs of each client and their family to deliver tailored financial planning. Before her current position, Madeleine served as a Financial Consultant at Fidelity Investments from 2020 to 2025, and prior to that, she was a Senior Financial Consultant at TD Ameritrade from 2017 to 2020. She holds a California Insurance License, which supports her work in financial planning and consulting. Madeleine is dedicated to educating and empowering clients throughout their financial planning journey, emphasizing a client experience-focused approach.

Frank Messenger Jr. is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved in accounting and tax preparation through Messenger Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party research, and technology-driven investment strategies.

Leila Castaneda is a financial advisor at RBC Capital Markets with eight years of industry experience. She previously worked at UBS for eight years and Rincon Technology, Inc for seven years. Outside of her advisory role, she is the founder and CEO of Screen Free Kids, a private company focused on educating parents about the effects of screen time on children through community events and speaking engagements. 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 with portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Jacob Mahony is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Arup and Atrendia ApS, and he has been with Morgan Stanley since 2020, including the Morgan Stanley Private Bank since 2024. Outside of his advisory work, he is involved with Happening Times LLC, a restaurant and nightlife business based in San Diego. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning using firm-approved tools and strategies.

Britney Lundgren is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 designations and bringing 10 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank, where she worked for a combined eight years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting through a national network of investment adviser representatives.

Saul Juarez is a financial advisor at LPL Financial with 13 years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Securities, CUNA Brokerage Services, and Allstate Financial Services. From 2023 to 2025, he operated Platinum Mortgage. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, including discretionary and non-discretionary management supported by model portfolios and research.

Robbin Preciado is a financial advisor at LPL Financial with 19 years of industry experience. They hold the Series 66 designation and have worked previously at UnionBanc Investment Services and Union Bank for 13 years. Preciado is also associated with Flagstar Bank and Members Trust Co. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research, and various management strategies.

Huy Nguyen is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Girard Securities, Inc. and Cetera Advisor Networks LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, and institutions through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by various model portfolios and research resources.

Paulina Morales is a Series 66 licensed financial advisor at LPL Financial with 20 years of industry experience. She has been working in the financial services sector since 2005, including extensive tenure at Linsco/Private Ledger. Outside of her advisory role, she holds a notary public license in California and provides notarization services to both clients and non-clients. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing model portfolios, third-party research, and various technology-driven strategies.

Salvador Lancaster is a financial advisor at Morgan Stanley with 31 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he operates an online retail business. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses firm-approved planning tools and market simulations to support its financial planning services.

Alejandro Valle is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and bringing 11 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2014 and 2015, respectively. Outside of finance, Valle engages in freelance acting in the arts and culture sector. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools to support its advisory process.

Natalie Gamarra Loza is a Wealth Management Planning Consultant at Fidelity Investments, a position she has held since 2022. In this role, she partners with Wealth Management Advisors and a team of specialists to understand clients' goals and objectives, assisting in building personalized financial plans. Her professional experience includes serving as a Wealth Management Associate at Morgan Stanley from 2020 to 2022, a Registered Client Associate at TD Ameritrade from 2019 to 2020, and a Financial Advisor at Patelo Credit Union from 2017 to 2018. She holds a California Insurance License.

Douglas Gundermann is a financial advisor at Merrill with 22 years of industry experience. He holds a Series 66 designation and has previously worked at UnionBanc Investment Services, MUFG Union Bank, and U.S. Bank. He serves as a board member of the Steele Canyon Estates Home Owners Association in La Mesa, California. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, and institutional investors.

Thomas Russell III is a financial advisor with LPL Financial holding the CFP® designation and Series 63 and 65 licenses. He has 40 years of industry experience, including prior roles at Bank of America and Merrill. He is based in San Diego, CA. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a variety of advisory programs, financial planning, and brokerage services supported by research and model portfolios.

Jack Rousso is a financial advisor with LPL Enterprise LLC in San Diego, CA. He holds the Series 66 designation and has one year of industry experience. Prior to joining LPL Enterprise, he worked at Windrose Investments and has experience in education through positions at the University of San Diego, Santa Barbara City College, and Santa Barbara High School. Outside of financial advising, he is involved with two hospitality businesses, Cloak and Petal and Snake Oil Craft Cocktails. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, providing financial planning, advisory services, and access to various brokerage and insurance products through an integrated platform.

Laura Decker is a CFP® professional with 19 years of industry experience, currently with Cetera since 2019. Her prior experience includes roles at Foresters Advisory Services, Foresters Financial Services, and managing her own LLC. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of portfolio management and retirement services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Brett Rowe is a CFP® professional with two years of experience in the financial services industry. He has worked at LPL Financial since 2022 and previously spent six years at eMoney Advisor. Brett is based in San Diego, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches supported by in-house and third-party research.

Emily Nguyen is a financial advisor at Equitable Advisors with Series 66 registration and one year of industry experience. Prior to joining Equitable Advisors in 2026, she worked at the San Diego Registrar of Voters and attended San Diego State University. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and offers advisory and brokerage/insurance channels to implement client recommendations.