Lance Silva is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Ameriprise. His prior experience includes roles at LPL Enterprise, DICKERSON, Ca Health Benefit Exchange, and Prudential Insurance Company of America. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports through a centralized consulting team.

Damon Couch is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. His career includes positions at Merrill, U.S. Bancorp Investments, and Banc of America Investment Services. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies and integrates both in-house and third-party managers to meet clients’ needs.

Aaron Bojorquez is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2023, he worked in real estate and hospitality, including a role as a real estate broker at Golden Empire Realty. He is also involved in mortgage and real estate services on a part-time basis. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, 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, combining discretionary and non-discretionary management with research and model portfolios from multiple sources.

Eric Weiss is a financial advisor at Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 66 licenses with two years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at Fidelity Investments and Charles Schwab. His background includes various roles outside finance, such as positions in education and the United States Postal Service. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured discovery processes and firm‑approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides a broad range of investment and financial services.

Andrew Hernandez is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and two years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2023 and previously held positions at TD Ameritrade and Aimloan. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios alongside centralized custody and order-routing arrangements.

Michael Such is a Senior Financial Advisor with Merrill Lynch Wealth Management, having joined the firm in June 2011. He focuses on delivering financial strategies, research, and portfolio reviews tailored to individual clients’ goals. His areas of expertise include college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, and personal retirement planning. Michael earned a Bachelor of Science degree in Ocean Engineering from the United States Naval Academy and served nine years as a Surface Warfare Officer in the US Navy. After his military service, he spent six years in the defense industry, including consulting to the Navy at Booz Allen Hamilton and business and product development at Ocean Systems Engineering Corp/QinetiQ North America. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Residing in Carlsbad, California, Michael lives with his wife Shawna and their three children. He enjoys outdoor activities such as surfing, skiing, camping in the Sierra Nevada mountains, cooking, fishing, gardening, hunting, and scuba diving.

Linda James is a financial advisor with LPL Financial and holds Series 63 and Series 66 licenses. She has 25 years of industry experience, including six years at John Aust Real Estate Company. In addition to her advisory role, she is involved in real estate services through Real Broker LLC, assisting clients with residential property transactions in California. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual investors, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by research and model portfolios.

Alec Nasto is a financial advisor with Raymond James & Associates in Carlsbad, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Merrill, UBS Financial Services, and Lincoln Financial Advisors prior to joining Raymond James. Raymond James & Associates is a large, 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 public entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Nigeena Rahmanzai is a financial advisor at Charles Schwab with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab, TD Ameritrade, and Lexis Nexis. Outside of finance, she was involved with Black and Pink, an organization active during 2020 to 2022. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services with a blend of non-discretionary and discretionary investment options.

Damon Skinner is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 23 years of experience in the financial services industry. He joined Merrill Lynch in 2016 and has developed expertise in providing open and honest guidance to clients, educating them on financial options, and tailoring strategies to their individual goals. His client base includes high net worth families, institutional clients such as 401(k)s, endowments, and foundations. Damon specializes in retirement planning, defined benefit and contribution plans, investment consulting, and asset allocation. He holds a Bachelor's Degree from Purdue University and carries professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Damon is proficient in both English and Spanish and applies his experience from prior roles in business banking and alternative investments to serve his clients effectively. His approach focuses on education, risk management, capital preservation, and wealth accumulation for current and future generations. Damon resides in Oceanside, California, with his wife and twin sons. He is active in his community, volunteering with organizations such as Children's Memorial Hospital, Heal The Bay, Open Eyes Ministries in Nicaragua, Ronald McDonald House, and the Surfrider Foundation. Damon enjoys outdoor activities including surfing, skiing, snowboarding, and football, reflecting his engagement with both professional and personal endeavors.

Jose Ramos is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2008. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement who meet certain asset thresholds, providing detailed, tax-smart withdrawal and Social Security claiming recommendations. The firm combines research, modeling, and algorithmic tools to generate personalized plans delivered through a centralized consulting team.

Rebecca Eastom is a financial advisor at LPL Financial with 14 years of industry experience and holds the Series 66 designation. She has worked at LPL Financial in two separate periods, totaling 12 years, with additional experience at State Farm VP Management Corp. and Lori Brandner Insurance Agency. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various technologies to support diversified investment strategies.

John Ellis is a CFP®-credentialed financial advisor with 17 years of industry experience, currently with LPL Financial since 2018. He previously worked at Lucia Securities and RJL Wealth Management. Ellis also operates Ellis Financial Group, a business related to his work with LPL Financial. 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, retirement plan consulting, and brokerage services supported by model portfolios, research, and various management options.

Ryan Belmer is a financial advisor at Morgan Stanley with 31 years of industry experience. He previously worked at UBS Financial Services for ten years before joining Morgan Stanley Smith Barney and Morgan Stanley Private Bank. He serves on the finance committee of Meals On Wheels in San Diego, a nonprofit organization that provides meals and wellness checks to seniors. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and analyses to assist in strategy development.

Gabrielle Dubick is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. She has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Matthew Costanzo is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked with Cetera Advisors LLC since 2013 and also operates Costanzo Financial Group as COO and advisory representative. Additionally, he provides consulting services on mergers and acquisitions, leadership, and process improvement, and volunteers with Volunteers of America. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform including discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Michael Mckenzie is a financial advisor at UBS Financial Services with 24 years of industry experience. He holds the Series 66 designation and has worked at UBS Financial Services since 2017, following a brief period at RBC Capital Markets. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research.

Kha Hoang is a financial advisor with LPL Financial based in San Diego, CA, holding a Series 66 designation and 10 years of industry experience. Prior to joining LPL Financial, he worked at Prudential Insurance Company of America and Edward Jones. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services supported by model portfolios, third-party research, and advanced technologies.

Jack Plew is a financial advisor with J.P. Morgan Securities in Del Mar, CA, holding Series 66 and Series 63 licenses and having two years of industry experience. His prior experience includes roles at Merrill Lynch and Northwestern Mutual. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Jeffrey Morgan is a financial advisor at LPL Financial with two years of industry experience. He holds a Series 65 designation and has worked at Cetera and Avantax Advisory Services prior to joining LPL Financial. In addition to his advisory work, he serves as a tax manager at Stern, Kory, Sreden and Morgan, an accountancy corporation, where he is involved in income tax preparation, tax planning, and consulting. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from multiple sources.