Carlos Alonso is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2010. Outside of his advisory role, he is a trustee of a family living trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Vincent Croom is a CFP® with 22 years of experience in the financial industry, currently serving at Cambridge Investment Research Advisors since 2012. He previously worked at First Command Brokerage Services and First Command Bank. Outside of his advisory role, he operates a personal finance blog called The Financial Effect and serves as president of Croom Financial, a tax services business. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals. The firm provides access to multiple platforms, unaffiliated third-party advisers, and proprietary model strategies.

Cristina Jimenez is an Investment Consultant currently working at Fidelity Investments since 2025. She focuses on helping clients make informed financial decisions through planning-focused conversations aimed at defining their goals and creating tailored strategies. Her professional experience includes roles as a Financial Advisor at Aurora Wealth Advisors from 2020 to 2025 and as a Paraplanner at Ameriprise from 2012 to 2020. Cristina holds a California Insurance License. Outside of her professional work, Cristina has personal interests that include baseball, cooking and baking, family activities, outdoor adventures, running, and traveling.

Bradley Schluter is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His prior roles include work at Angel Oak Capital Advisors and TD Ameritrade. 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 discretionary separately managed accounts supported by multi-asset model portfolios and centralized custody and operational services.

Ivan Schleder is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated firm since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Beth Westburg is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. She has worked at several firms, including Commonwealth Financial Network and Waddell & Reed. Westburg is a 50% owner of Lipman-Westburg Inc, a private entity involved in securities and advisory business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its advisors with a range of investment strategies and operational tools while managing over $819 billion in discretionary assets through a large network of advisors.

Matthew Nakamura is a financial advisor with Cetera who holds a Series 66 designation and has 20 years of industry experience. His prior work includes roles at M Holdings Securities and Commonwealth Financial Network. Outside of his advisory work, he owns a condominium in San Diego that is managed as a rental property. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, utilizing multiple program structures and a multi-manager platform.

Iain Reilly is a CFP® professional affiliated with Cetera, holding Series 63 and Series 65 licenses, with 34 years of industry experience. He has been with Cetera in various capacities since 2013. Outside of his advisory role, he is involved in tax preparation and research through Telesis Tax and Financial. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm provides diverse portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party managers, supporting discretionary and non-discretionary account structures.

Rachel Paulin is a financial advisor with RBC Capital Markets in San Diego, CA. She holds Series 63 and Series 65 designations and has 46 years of industry experience. She has been with RBC Capital Markets since 2014. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs with tailored strategies, combining in-house and third-party managers to provide discretionary and non-discretionary portfolio management and related financial services.

Lee Fox is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones and ODL Services. Outside of his advisory role, Lee is involved in managing a sailboat charter business and short-term rental properties with his wife. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and advisory programs supported by structured planning tools and broad investment capabilities.

Susan Hoyt is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. Her prior positions include roles at LPL Financial LLC, Cuso Financial Services, LP, and Valic Financial Advisors. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with diverse program options and custodial relationships.

Thomas Schoettle Jr. is a CFP® with 32 years of industry experience, currently affiliated with Cetera. He has operated his own financial services firm, Schoettle Financial, since 2004 and maintains a law practice under the Law Office of Thomas J. Schoettle Jr. in San Diego. In addition to his advisory work, he is a licensed attorney and a notary public. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through multiple program structures, allowing advisors to implement model portfolios, select third-party managers, or create custom strategies.

Scott Mc Ghee is a financial advisor at Morgan Stanley with six years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2019. Prior to that, he was associated with Young Life from 2015 to 2019. Outside of his advisory role, he occasionally writes online product reviews for Recreation Equipment Incorporated (REI) based on field testing. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized planning groups.

David Mcdermott is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. He has been with LPL Financial since 2012 and concurrently works with San Diego County Credit Union, where he is involved in their investment services program. Prior to these roles, he spent several years with CUSO Financial Services, L.P. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of investment adviser representatives, offering a broad range of financial planning and portfolio management solutions supported by advanced operational and research tools.

Phetpilin Phetsanghane is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. She has been with Bank of America, N.A. and Merrill since 2015. 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 offers a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jessica Harrigan is a financial advisor at Fidelity with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at various Fidelity entities since 2013. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction. The firm combines fundamental research with quantitative and algorithmic methods, serving multiple registered investment companies and offering formally structured advisory and governance services.

Robert Kennedy is a financial advisor with Cetera based in San Diego, CA, holding the Series 66 designation and 18 years of industry experience. He has worked with multiple entities within the Cetera network since 2018 and previously spent eight years at LPL Financial. Cetera Investment Advisers LLC is an SEC-registered firm that provides services to individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning solutions through a large nationwide network of independent advisors, using a multi-manager platform that includes affiliated and third-party model portfolios and bespoke investment strategies.

Magdiel Delgado is a Series 66-credentialed financial advisor with nine years of industry experience, currently serving at UBS Financial Services since 2018. Prior to UBS, he worked at BBVA Wealth Solutions and BBVA Securities, as well as COMPASS Bank. Delgado is also an employee of an affiliated bank where he is authorized to offer banking products and services. 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, delivering advisory work through a network of advisors supported by proprietary research and model-based asset allocations.

Jorge Gonzalez is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2022, following previous roles at Wells Fargo Clearing and Wells Fargo Bank, N.A. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a structured financial planning process that incorporates firm-approved tools and analysis methods, including Monte Carlo simulations and Secular Return Estimates.

Rick Meiss is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 20 years of industry experience. He previously worked for SCF Investment Advisors, Inc. and SCF Securities, Inc. for ten years. Outside of his advisory role, Meiss is also a non-variable insurance agent. 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 portfolio programs, third-party asset management, and institutional platforms.