Gregory Wisniew is a CFP®-designated financial advisor with 28 years of industry experience. He currently works at LPL Financial, having previously served at Lincoln Investment Planning for 10 years and Kestra Investment Services for 13 years. He is based in San Diego, CA. 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 provides advisory and brokerage services through a broad network of representatives, offering financial planning, model portfolios, third-party asset management, and institutional platforms.

Kevin Appelbaum is a financial advisor at OSAIC with 30 years of industry experience. He holds a Series 63 designation and has previously worked at firms including Woodbury Financial Services, LPL Financial, J.P. Morgan Securities, Chase Investment Services Corp., Merrill, Banc of America Investment Services, and Wamu Investments. He has been with OSAIC since 2024. OSAIC serves a diverse client base including individual, high-net-worth, pension, profit-sharing, corporate, and charitable clients through a broad network of financial advisers and advisory platforms. The firm offers integrated brokerage and investment advisory services with portfolio construction supported by asset-allocation tools, risk-tolerance questionnaires, and access to third-party managers.

Jeffrey Wilson is a financial advisor at RBC Capital Markets with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at TD Ameritrade and multiple sportfishing-related businesses. Outside of finance, he works as an independent contractor for Uber Eats, delivering food locally. RBC Wealth Management serves a wide range of clients including individuals, institutions, and charitable organizations, offering advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm integrates in-house and third-party investment managers and provides customizable portfolio strategies tailored to clients’ risk profiles.

Benjamin Grad is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. Prior to joining Ameriprise, he worked at First Command Advisory Services and First Command Financial Planning. He is also the owner of SFCS, Inc., a business unrelated to investment activities. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, offering tailored written recommendations on income, Social Security, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support retirement planning, with a focus on assets held in Ameriprise-managed accounts.

Joseph Tacto is a financial advisor with Charles Schwab based in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has worked at Charles Schwab since 2023 and maintains long-term affiliations with New Vision International and A.L. Williams. Outside of finance, he works in retail sales at Nordstrom. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a large, integrated operational structure.

Rob Sanders is the Vice President, Wealth Planner at Fidelity Investments. He has been with Fidelity since 2012, holding various roles including Investment Consultant, Financial Consultant, Investment Solutions Consultant, and currently serving as a Wealth Planner since 2022. His professional experience centers on wealth planning and investment consulting. Rob holds insurance licenses in Arkansas and California. He emphasizes experience, dedication, and integrity in his work, aligning with Fidelity's brand, ethics, and access. Outside of his professional responsibilities, Rob's personal interests include cars, cooking and baking, family activities, parenthood, sailing, and soccer.

Glenn Mosier is a financial advisor at UBS Financial Services with 53 years of industry experience. He has been with UBS since 1983. Mosier serves as an advisory board member for a 501(c)(3) foundation and is a member of the board of directors for a trade or industry association focused on accelerating innovation in the San Diego area. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Nicholas Schoettle is a CFA® charterholder and holds a Series 66 license, with four years of experience in the financial services industry. He currently serves as an associate at Schoettle Financial and works with Cetera since 2022. Outside of his advisory role, he is the treasurer for Casa de los Pobres USA, a nonprofit organization based in San Diego. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and retirement services. The firm serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts.

Moises Garcia is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. His prior work includes roles at Morgan Stanley, UBS, Merrill, and RBC Capital Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Scott Hoxie is a Series 66 credentialed financial advisor with 19 years of industry experience. He is currently with Cetera and has previously worked at First Allied Advisory Services, Inc. He serves as a board member for the Pacific Psychology Center, a nonprofit organization. Cetera Investment Advisers LLC supports a large network of independent advisors and serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through various program structures and third-party managers.

Karrin Ryan is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her prior roles include positions at Wells Fargo Advisors LLC and Wells Fargo Clearing. She serves as a board member for the Rest Haven Children's Health Fund, a charity supporting children in need of medical or health funding. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, offering model-based asset allocations and research-driven financial planning through a large network of advisors.

Boyd Bergen Jr. is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and having 27 years of industry experience. He has previously worked at OSAIC and Investment Advisors Asset Management, LLC, among other firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools.

Ryan Souligny is a financial advisor at RBC Capital Markets with 25 years of industry experience. He holds Series 63 and Series 65 designations and has worked at RBC Capital Markets since 2014 and City National Bank since 2016. Outside of his financial career, he is involved in private business ventures including ownership of a music production company and a partnership in a San Diego-based restaurant and microbrewery. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies that utilize both in-house and third-party managers, and features a broad capital markets and asset management platform.

Dana Beden is a financial advisor with Mass Mutual Investors Services in San Diego, CA, holding the Series 66 designation and four years of industry experience. Prior to joining Mass Mutual in 2022, Dana worked at Insight Global for six years. Dana also works as an insurance broker, focusing on life, disability, long-term care, and fixed annuities. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to analyze client goals and deliver written recommendations.

Adolfo Valencia is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 63 and Series 66 licenses and has worked in various financial roles including positions at Alameda Mortgage Corporation and Royal Mortgage Solutions. He is based in San Diego, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, which offers asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Zachary Gignac is a financial advisor with Fidelity Investments in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Prior to joining Fidelity, he worked at The Vanguard Group from 2013 to 2023 and has experience working in hospitality as a bartender. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to a diverse clientele including retail and institutional investors, with an investment process that integrates proprietary research, quantitative analysis, and algorithmic portfolio construction.

Celine Doucet is a CFP®-designated financial advisor with 15 years of industry experience. She is currently with Cetera and has held various roles within affiliated entities since 2018. Her prior experience includes positions at Unionbanc Investment Services. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. It offers a range of portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary accounts across multiple program structures.

Todd Johnson is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has been associated with Cetera and its affiliated firms since 2013. Johnson is also involved with Celeste Financial Group, a financial services DBA, where he performs client relations and administrative duties. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and oversees more than $256 billion in assets across a network of over 10,000 advisors.

Carey Anderson is Vice President and Financial Consultant at Fidelity Investments, a role held since 2024. Prior to this, Carey served as a Financial Consultant at Fidelity from 2019 to 2024. In this capacity, Carey works with clients to develop wealth plans and investment strategies tailored to their personal financial goals, utilizing Fidelity's platforms, research, and resources. Carey holds a California Insurance License, supporting the ability to advise clients on insurance-related financial matters. Outside of professional responsibilities, Carey enjoys activities such as beach outings, comedy, family activities, fitness, outdoor adventures, and spending time with pets.

Gregory Park is a financial advisor with LPL Financial in San Diego, CA, holding two years of industry experience. His prior roles include positions at Legacy Park Advisors and Considine & Considine, spanning a combined 11 years in the financial sector. 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.