Douglas Robinson is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior work includes roles at Nanocellect Biomedical Inc and the Institute of Risk and Safety Analyses. 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 client relationship model that combines non-discretionary advisory recommendations with access to discretionary separately managed accounts and employs multi-asset model portfolios alongside centralized custody and order-routing arrangements.

Ronald Sisk is a CFP® with 24 years of industry experience, currently serving at Edelman Financial Engines in San Diego, CA. His prior roles include positions at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services LLC. Edelman Financial Engines delivers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering diversified model portfolios with a long-term investment approach.

Whitney Brillon is a Financial Consultant at Fidelity Investments. In this role, she works closely with clients to develop personalized financial plans that align with their goals and values, aiming to provide a roadmap for achieving financial confidence and peace of mind. She has accumulated extensive experience in the financial services industry, holding multiple positions at Fidelity Investments since 2013, including Financial Representative, Relationship Manager, Investment Consultant, and Vice President, Financial Consultant. Whitney also served as Vice President, Financial Consultant at Charles Schwab from 2022 to 2024 before returning to Fidelity in her current role. Whitney holds a California Insurance License. Outside of her professional work, she enjoys cooking and baking, family activities, exploring food as a foodie, and traveling.

Michelle Balatero is a CFP® professional with 16 years of industry experience, currently affiliated with LPL Financial. Her prior experience includes roles at TD Ameritrade and First Command Brokerage Services. 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 portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms.

Jennifer Kruger is a Certified Financial Planner (CFP®) with over 21 years of industry experience. She is currently with Fidelity Investments, where she has worked since 2006 in various roles including brokerage services and advisory. Jennifer is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund advisory and model portfolios.

Yun Yu Szu is a financial advisor at Raymond James Financial with nine years of industry experience. She holds a Series 66 designation and has worked at several firms, including Cadaret, Grant & Co. Inc and LPL Financial. In addition to her advisory role, she is involved with Addison Avenue Investment Services, providing support to financial advisors and client services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and analytical tools to support client goals and maintains unique municipal advisory capabilities within its large institutional framework.

Leo Walker Jr. is a financial advisor with Wells Fargo Clearing based in San Diego, CA. He holds Series 63 and Series 65 designations and has 34 years of industry experience. His prior roles include positions at Wells Fargo Investments, Banc of America Investment Services, and Morgan Stanley DW Inc. He has been with Wells Fargo Clearing 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 offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Mitra Rafii is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 credentials and having 28 years of industry experience. She previously worked at Wells Fargo Investments, LLC from 2001 to 2006. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Daniel Fuentes is a Series 66-registered financial advisor with Charles Schwab, based in San Diego, CA, and has two years of industry experience. His prior work includes roles at Mutual of Omaha and Pacific Home Care, as well as five years in full-time education. 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 discretionary separately managed accounts and offers multi-asset model portfolios backed by research from the Schwab Center for Financial Research.

David Jones is a Series 66 licensed financial advisor at Edward Jones with 10 years of industry experience. He has been with Edward Jones since 2015, working in El Cajon, CA. 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.

Randy Schechter is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 63 designation and 38 years of industry experience. He has been with Charles Schwab since 1996 and Charles Schwab Bank since 2005. 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, offering both non-discretionary and discretionary investment options within an integrated operational structure.

Steven Simmons is a financial advisor at Osaic with 29 years of industry experience. He holds the Series 63 and Series 65 designations and has worked at AIG Financial Advisors since 2005. Outside of his advisory role, Simmons is involved in estate planning services through the Citadel Law Firm and has experience in mortgage origination loans. Osaic Wealth serves a diverse client base including retail and institutional investors, offering both brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, supporting a range of investment programs and utilizing multiple custodial and legacy arrangements.

Rachel Arendt is a financial advisor with UBS Financial Services in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with UBS since 2016. Outside of her advisory work, she owns and manages rental properties. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary research and model-based asset allocations to tailor portfolios. The firm integrates institutional trading capabilities with wealth management, offering a wide range of financial products and services.

Maria Granlund is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services and Morgan Stanley. Outside of her advisory role, she serves as a Notary Public in San Diego County, California. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with a broad range of brokerage and advisory solutions.

Jake Harrison is a Series 66-licensed financial advisor with Ameriprise, based in Carlsbad, CA, and has nine years of industry experience. He has been with Ameriprise and its affiliated entities since 2016. Ameriprise provides retirement-income planning services primarily for clients with at least $1,000,000 in net investable assets, combining research, modeling, and tax-efficiency analysis to develop tailored, written recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Anthony Richardson is a financial advisor with LPL Financial in San Diego, CA, holding Series 63, Series 65, and Series 66 licenses and nine years of industry experience. His prior roles include positions at Grove Point Investments, CUSO Financial Services, Charles Schwab & Co., and TD Ameritrade Institutional. 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, supporting advisors with various investment strategies and operational tools.

Matthew Molstre is a financial advisor with Thrivent Investment Management in Del Mar, CA, holding a Series 66 registration and with 20 years of industry experience. He has been with Thrivent Financial and its investment management affiliate since 2003 and 2005, respectively. Thrivent Investment Management delivers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm provides holistic, goal-based planning and modeling tools covering diverse topics, with an option to combine planning and managed-account services under a consolidated billing program called “WealthPlan.”

Fernando Vivanco is a Series 66-licensed financial advisor with Merrill in San Diego, CA, with nine years of industry experience. He has been associated with both Merrill and Bank of America since 2011. Outside of his advisory role, Vivanco is involved in personal music production and songwriting, where he plays instruments, writes songs, and posts music on various streaming platforms. 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, offering a range of model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Vicente Cesar Gonzalez is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and having one year of industry experience. Prior to joining Primerica Advisors, he worked at GA-ASI and has been self-employed. Outside of his advisory role, he is the owner of StarryBell, LLC, a non-investment-related business. Primerica Advisors sponsors a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven strategies managed by third parties and supported by BNY Mellon Advisors and Pershing for trade execution and custody.

Mary Hoffman is a financial advisor at Edward Jones with eight years of industry experience. She has been with Edward Jones since 2017 and previously worked at Vistage Worldwide. Mary holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs with a fiduciary standard and manages approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.