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.

Justin Timko is a financial advisor at Fidelity with two years of industry experience and holds the Series 66 designation. Prior to joining Fidelity, he worked in fitness and coaching roles, including with CAM Fitness SD LLC and Studio Outside. He also hosts and edits a podcast focused on fantasy topics. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios, including fund advisory and model portfolios, and serves as an adviser to registered investment companies.

Samantha Delgado is a financial advisor at Merrill with four years of industry experience. She holds a Series 66 designation and has worked at Merrill and Bank of America since 2016. 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 diverse client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm integrates with Bank of America’s broader platform, providing a range of investment and lending services.

Marco Godwin is a financial advisor with LPL Financial, holding Series 63 and 65 licenses and bringing 26 years of industry experience. Prior to joining LPL Financial in 2021, he spent seven years at Equitable and its affiliated entities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services supported by model portfolios, research, and technology-driven solutions.

Ian Holmes is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and having seven years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2019 and has also worked with Wells Fargo Bank NA since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Mengyao Lin is a financial advisor at Merrill with five years of industry experience. She holds Series 63 and Series 66 credentials and has worked at firms including Bank of America and JPMorgan Chase. Outside of finance, she has experience in the retail and food service industries. Merrill provides managed account services to Bank of America fiduciary clients through a program offering model-based and discretionary investment strategies. The firm serves a broad client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations, utilizing a range of investment options integrated within Bank of America’s broader platform.

Kenneth Shaw is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, Shaw is involved with SAFR Sports, where he educates friends and former NFL colleagues about helmet safety and reducing head and brain trauma. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven, incorporates modern portfolio theory, and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Richard Rojeck is a financial advisor at Osaic Wealth, Inc. with 45 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 27 years before joining Osaic in 2025. Outside of his advisory role, Rojeck is an author and promotes his book through public speaking. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, and access to various managed account platforms using a range of asset-allocation tools and third-party solutions.

Bao Truong is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and its affiliated entities since 2019. Outside of his advisory work, he is involved in several other business activities including car rentals and gardening. 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 recommendations.

Aaron Mulvaney is a financial advisor with Edelman Financial Engines in San Diego, CA. He holds Series 63 and Series 65 licenses and has 31 years of industry experience. He has been with Edelman Financial Engines and its predecessor entities since 2015. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and both discretionary and non-discretionary management options.

Dylan King is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and three years of industry experience. His prior roles include positions at Edward Jones and JPMorgan Chase Bank, N.A., as well as a non-financial background working at Giovanni's Italian Restaurant. J.P. Morgan Securities 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 large institutional advisory operations with additional market-facing registrations and functions, delivering non-discretionary advisory services supported by an in-house manager solutions team and centralized due diligence.

Anneliese Keil is a financial advisor with Morgan Stanley in San Diego, holding Series 65 and Series 66 licenses and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2011. Outside of her advisory role, she serves on the Kappa Alpha Theta Advisory Board at San Diego State University. 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 investment modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Schuyler White Jr. is a financial advisor at Wells Fargo Advisors with four years of industry experience. He holds the Series 66 designation and previously worked at Ignite Visibility and GoSite. Outside of advising, he serves as a trustee for a family friend’s trust. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services using proprietary research and tools, allowing clients to implement recommendations through various brokerage and advisory programs.

Joseph Eben is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and having 32 years of industry experience. He has been with Primerica Advisors since 1993 and also works with H & R Block since 2013. Outside of advising, he is involved in sales of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.