Mark Armstrong is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 44 years of industry experience. He has previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney, with over 15 years at Morgan Stanley-related entities. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and offering discretionary plan-level investment management that includes a broader set of financial products than many large institutional advisers.

Natalie Chappius is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in advising high-net-worth individuals and business owners. She focuses on financial and tax minimization strategies, retirement income planning, estate planning services, and portfolio management. With over 20 years of experience in the financial services industry, Natalie also collaborates with a Wealth Management Lending Officer from Bank of America, N.A. to incorporate home financing solutions into clients’ overall financial strategies. In her role as a Senior Portfolio Advisor, she manages custom investment strategies on a discretionary basis, selecting from Merrill Lynch model portfolios and third-party investment options. Natalie attended California State University, Long Beach, where she was a recipient of the Presidents Academic Scholarship. She holds FINRA registrations including the Series 7 (General Securities Representative) and Series 66 (Uniform Combined State Law Examination), as well as licenses with the California Department of Insurance to offer Life Insurance, Annuities, and Long Term Care products. Additionally, she has earned the Certified Plan Fiduciary Advisor® (CPFA®) designation. Natalie is also recognized as a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). Residing in 4S Ranch with her husband Michael and their two children, Natalie is actively involved in community service, including volunteering and fundraising with the National Charity League. Her client-centered approach emphasizes creating personalized financial strategies to help clients pursue their goals.

Mark Robert Holland is a Wealth Management Advisor with Merrill Lynch Wealth Management. He began his financial career in 1986 and joined Merrill Lynch in 2004. Mark focuses on personal retirement planning, individual and corporate investment strategy, and retirement income, working with clients who have long-term goals. He holds a Bachelor's Degree from Pomona College and professional designations including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Born and raised in the San Diego area, Mark is married with two grown children. Outside of work, he enjoys gardening, hiking, reading, and spending time with his family.

Payam Haghani is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 licenses and bringing four years of industry experience. He has previously worked at Bank of America, Lyft, and Uber, and is an owner and partner of Persian Dreams, an online retail store offering art crafts from around the world. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and employing an ESG eligibility framework in its recommendations.

Diwani Biglang Awa is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where she has worked since 2007, accumulating 19 years of industry experience. Outside of her advisory role, she owns and operates Brixton Interiors LLC, a residential interior design and home décor business, and Tiny Baubles LLC, a handmade jewelry retail venture. She also serves on the executive board of Alamosa Park Elementary PTA as an auditor and communications coordinator. UBS Financial Services serves individual, corporate, and institutional clients through a wide range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management solutions tailored to clients’ goals and risk tolerances.

Hunter Otjen is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. He has previously worked as a paraplanner and holds a license to transact life, health, accident, or sickness insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm combines brokerage and advisory services with integrated financial planning and employs various asset-allocation tools and third-party money managers to construct diversified portfolios.

Jocelyn Beck is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. Her prior roles include positions at Sager Company and John Unterreiner. 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 model-based and discretionary investment strategies.

Darion Haggerty is a CFP® professional with four years of industry experience, currently advising at Edward Jones since 2022. Before joining Edward Jones, he worked at DaVita and held various roles at Target, Primerica, and Starbucks. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Cristina Haggerty is a financial advisor at Morgan Stanley with 21 years of industry experience. She has been with Morgan Stanley since 2017 and previously worked at Wells Fargo Advisors Financial Network LLC from 2011 to 2017. She holds the Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services, utilizing structured discovery processes and advanced modeling tools.

Jerry Dressel is a financial advisor with LPL Financial based in San Diego, CA, holding a Series 63 designation and two years of industry experience. He has worked at LPL Financial since 2024 and has been involved with F & B Associates Inc since 2020, as well as leading Dressel Advisory Group since 1999. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management with access to research, model portfolios, and diverse investment strategies.

Jaime Niesley is a financial advisor at Cetera with 10 years of industry experience. He holds the CFP® designation and Series 63 license. Jaime has worked at Cetera since 2021 and is also the owner of Wollman Wealth Designs, a financial services firm. Cetera Investment Advisers LLC is a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with various program options and custodial relationships.

Dylan Miller is a Planning Consultant at Fidelity Investments, where he collaborates with clients to develop financial plans tailored to their specific goals and needs. He joined Fidelity Investments in 2021 and has held several roles within the company, including Financial Representative and Relationship Manager, before becoming a Planning Consultant in 2025. Dylan holds a California Insurance License, supporting his work in financial planning and wealth management. Outside of his professional responsibilities, he engages in activities such as attending concerts, fitness, social events with friends, golf, military service, and traveling.

Jayne Byrne is a CFP® with 41 years of industry experience, currently serving as a financial advisor at LPL Financial. She has worked in the financial services industry since 1985, including over three decades at LPL Financial and prior roles at Cetera Advisor Networks and CWM. In addition to her advisory work, she is involved with Nautica Wealth Advisors, LLC, a business related to her LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers comprehensive financial planning and advisory programs supported by research and technology-driven portfolio management solutions.

Jason Snow is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. His prior roles include positions at Cooper Capital Advisors, American Funds Distributors, and Capital Group American Funds. Outside of financial advising, he owns FISHTALE, a business that facilitates boat charters through licensed captains. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, third-party research, and various management approaches.

Jeffrey Tanaka is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 65 licenses and has worked with JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2019, following six years at The Northern Trust Company. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities and delivers services on a non-discretionary basis.

Lance Peters is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and eight years of industry experience. He has worked at LPL Financial since 2018 and is also associated with Lucia Capital Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary portfolio management, supported by research from LPL and third-party subadvisors.

Janet Calcagno is a financial advisor at Morgan Stanley with 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning, utilizing structured discovery conversations and firm-approved planning tools.

Daniel Eastwood is a financial advisor with Wells Fargo Advisors, holding a Series 66 designation and 18 years of industry experience. He has worked in various roles within Wells Fargo since 2009, including Wells Fargo Clearing and Wells Fargo Advisors Financial Network. Wells Fargo Advisors Financial Network provides investment and fee-based financial planning services to individuals, trusts, and institutional clients through a broad menu of planning options. The firm uses proprietary research, planning tools, and simulation models to develop tailored recommendations, offering services that range from retirement and estate planning to specialized areas like business-owner transition and sports and entertainment planning.

Alex Ostrove is a financial advisor at Morgan Stanley with 24 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and global market analysis.

Kenneth Kim is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 66 and Series 63 designations and has worked at J.P. Morgan Securities and CITIGROUP. His current tenure at J.P. Morgan spans six years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm delivers these services through a select group of Wealth Advisors on a non-discretionary basis.