Jonathan Nash is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior roles include positions at JP Morgan Chase Bank, JP Morgan Securities, CalChoice, Covered California, Dickerson Employee Benefits, and The Prudential Insurance Company of America. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm’s offerings include a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs, distinguishing it among large institutional advisers.

Nicola Hanna is a financial advisor at LPL Financial with 21 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Raymond James Financial and Cavanaugh Financial Group. Outside of advising, he owns a sports memorabilia sales business and is involved in horse racing through Big Lick Racing Inc. 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 portfolios, and institutional platforms, supported by extensive operational tools and a large network of investment adviser representatives.

Karl Freeman is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following eight years at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a distinctive inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Edwin Espinal is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the CFP® and Series 66 designations and has been with Charles Schwab and its affiliated banking entity since 2015. Charles Schwab & Co., Inc. provides wealth advisory and managed-account services primarily to high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

William Sparks is an International Wealth Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, international wealth management, and portfolio management services. William holds a master's degree from the Thunderbird School of Global Management and a bachelor's degree from the California State University System. He holds the Personal Investment Advisor (PIA) designation. He is affiliated with the professional organization Los Angelitos de Encinitas and actively participates as a community volunteer. Outside of his professional work, William enjoys baseball, biking, camping, reading, swimming, traveling, and spending time with his family. His approach to advising centers on working one-on-one with clients to develop personalized financial strategies aligned with their long-term goals.

Stephen Gelina is a financial advisor with Fidelity in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has been affiliated with various Fidelity entities since 2013. Outside of his advisory role, he is the sole proprietor of CSMJS Great Adventures, LLC, a real estate funding company focused on location research, site investigations, and land analysis. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to diverse client groups, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Archievhal Alvarado is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Edward Jones, City National Bank, and JP Morgan Securities. Outside of finance, he is involved in BowtiedJ Events, a music and entertainment venture active for over a decade. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Tomer Rabizadeh is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and 66 designations and bringing 15 years of industry experience. He has been with Morgan Stanley since 2013 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a general board member for Sephardic Temple Tifereth Israel in Los Angeles. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Kevin Keil is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 license and five years of industry experience. His prior roles include positions at Securian Financial Services, Minnesota Life Insurance, North Star Resource Group, CRI Securities, and Health IQ. Outside of his advisory work, he is a business owner of Sail Bay Group, a non-investment-related venture. 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 portfolios, third-party asset management, and institutional platforms.

Alexander Howell is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds the Series 66 designation and has been with UBS since 2008. 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, utilizing proprietary research and a broad range of capital markets and lending programs.

Thomas Boles is a financial advisor at Cetera with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Cetera Advisors LLC since 2013. Boles is also the president and owner of United Financial Consultants Inc and Coastal Dragons Rugby Inc, where he serves as a board treasurer. Additionally, he provides tax services as an IRS enrolled agent. Cetera Investment Advisers LLC is an SEC-registered advisory firm serving individual, corporate, charitable, and institutional clients nationwide. The firm offers a range of investment management and financial planning services through a multi-manager platform with access to various portfolio models and custodial relationships.

Shaurya Chauhan is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 credentials and five years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., Northwestern Mutual Life Insurance Company, and Sagepoint Financial. 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.

Robert DeVoe is a Financial Consultant at Fidelity Investments, a role he has held since 2021. In this position, he partners with clients to understand their personal and professional situations, conducts thorough analyses, and discusses tailored financial strategies that align with their preferences. Prior to his current role, Robert served as a Sales Manager specializing in Fixed Income at TD Ameritrade from 2014 to 2021. Robert holds a California Insurance License, supporting his ability to provide comprehensive financial guidance. Outside of his professional responsibilities, he has personal interests that include cars, family activities, hiking, pets, and table tennis.

Gabriel Garibay is a Wealth Management Senior Relationship Manager who partners with self-directed ultra-high-net-worth clients. In this role, he serves as the primary point of contact and provides comprehensive support to address both their financial and service needs. His professional experience includes positions at Fidelity Investments from 2020 to 2026, where he progressed from Financial Representative to Planning Consultant. Prior to that, he worked at JP Morgan Chase Bank N.A. from 2010 to 2020 in roles ranging from Relationship Banker to Private Client Banker. Gabriel holds a California Insurance License. Outside of his professional career, Gabriel has interests in comedy, hiking, music, parenthood, pets, and traveling.

Russell Handler is a financial advisor with LPL Financial based in San Diego, CA. He holds Series 63 and Series 65 designations and has 11 years of industry experience. Prior to joining LPL Financial in 2022, he worked for eight years with Putnam Retail Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of over 22,800 advisors.

Anthony Ceccacci is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance Company, and Equitable Advisors. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Kevin Dowell is a financial advisor with LPL Enterprise holding a Series 66 credential and two years of industry experience. Prior to joining LPL Enterprise in 2026, he worked at Edward Jones from 2023 to 2025. He serves on the board of the Aviaro Oaks PTA in Carlsbad, CA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm emphasizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in wrapped portfolio programs.

David Moran is a Series 66-licensed financial advisor with Equitable Advisors, where he has worked for 23 years. Prior to Equitable Advisors, he was with Axa Advisors for 17 years. His outside activities include serving as a board member of the East County Chamber of Commerce and owning Five2 Studios, a non-investment-related business. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and a range of asset-management programs primarily delivered through a network of Investment Adviser Representatives and third-party asset managers.

Ahmed Elemary is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at E*TRADE Securities, E*TRADE Capital Management, Bank of America, and Merrill. Outside of advising, he owns a donut bar franchise and is involved in developing a child safety device through his personal business ventures. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, focusing on tailored financial planning supported by firm-approved tools and methodologies.

James Needy is a financial advisor at Edward Jones with five years of industry experience. He holds Series 63 and Series 66 designations. Prior to Edward Jones, he has worked at NYLife Securities and has experience in sports-related roles, including coaching football and baseball for local high school teams and serving as president of a community group. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of investment advisory programs, discretionary and non-discretionary strategies, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets with a nationwide network of financial advisors and branch offices.