Christopher Pratt is a CFP® professional with 44 years of industry experience. He currently works at OSAIC and has held prior roles at Sagepoint Financial, Inc. and Wolters, Hagar & Pratt Financial Planning, Inc. In addition to his advisory work, he is president of CAP Financial Planning, a firm where he oversees operations and develops personalized financial plans for clients. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, retirement consulting, and access to third-party money managers. The firm utilizes advanced portfolio construction tools and supports both discretionary and non-discretionary account management.

Michael Manning is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Diego, CA, holding a Series 63 designation and bringing 40 years of industry experience. Prior to joining Raymond James in 2025, he spent 15 years at Commonwealth Financial Network. Outside of his advisory role, Manning is the CEO and majority owner of The Manning Companies, a firm providing wealth management and retirement plan services. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, pension plans, charitable organizations, corporations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, supported by asset-allocation analysis, modeling tools, and firm research, often working in an advisory capacity rather than as a delegated manager.

June David Caalaman is a financial advisor at LPL Financial with three years of industry experience. He holds a Series 66 designation and has worked at several firms, including Mechanics Bank, Cetera, Securities America, and California Coast Credit Union. His background also includes roles outside the financial industry, such as positions at United Cerebral Palsy and Southwestern College. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients, including high-net-worth individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing discretionary and non-discretionary management, model portfolios, and research from multiple sources.

James Atwood is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at Merrill and LPL Financial. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad 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, including discretionary and non-discretionary services, supported by a nationwide network of over 10,000 advisors.

Zhi Hu is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds the CFP®, ChFC®, and Series 66 credentials. His prior work history includes roles at JP Morgan Securities LLC and JP Morgan Chase Bank. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Andrew Meram is a Financial Consultant at Fidelity Investments. In this role, he partners with clients to develop holistic financial plans aimed at addressing key risks. His approach involves a four-step process that includes understanding clients' priorities, conducting a diagnostic analysis of their current financial situation, and providing clear recommendations without jargon. Andrew's experience at Fidelity Investments includes roles as Investment Consultant from 2022 to 2024, Relationship Manager from 2021 to 2022, and Financial Representative in 2021. He holds a California Insurance License. Outside of his professional work, Andrew enjoys boating and spending time with his family.

Amy Palmer is a financial advisor at Edward Jones with 18 years of industry experience. She holds a Series 66 designation and has prior experience at Essential Edge Compliance Outsourcing, Independent Financial Group, M Holdings Securities, and Commonwealth Financial Network. Edward Jones is a full-service wealth management firm serving more than 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 options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Teresa Garrett is a financial advisor with LPL Financial, holding a Series 66 license and bringing 10 years of industry experience. She has previously been affiliated with CUSO Financial Services, L.P. and Grove Point Licensing, LLC. Outside of her advisory role, she is a partner in Leatherback Supply Company, a retail and wholesale business where she assists with direct sales and marketing. 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 provides various advisory programs, financial planning, and retirement consulting through a national network of investment adviser representatives.

Gloria Ruuspakka is a financial advisor with LPL Financial holding a Series 65 credential and three years of industry experience. She has previously worked with Carson Wealth/Cetera Advisor Networks and was involved with One Extraordinary Marriage before joining LPL Financial. 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, and brokerage services supported by various research resources and technology solutions.

Dylan Devin is a financial advisor at Cetera with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2019. Prior to that, he was with Foresters Financial Services and has experience with MGM Resorts International and Aztec Shops. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining discretionary and non-discretionary services across various program structures.

Michael Hayes is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He previously worked at Girard Securities before joining Cetera Wealth Services in 2017, continuing with Cetera since 2023. Outside of advising, he is involved in fixed insurance sales and owns businesses in real estate and financial services. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting diverse investment strategies and programs.

Jason Rudolph is a financial advisor at Stifel with 22 years of industry experience. He holds a Series 66 designation and has worked at Stifel since 2016, following a brief tenure at Morgan Stanley Private Bank. Outside of advising, Rudolph co-owns and operates a vending machine business with his wife. Stifel serves a diverse client base, including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment guidance is based on proprietary methodologies developed by its Investment Strategy Group, supporting client decisions with forward-looking capital market assumptions and probabilistic modeling.

Stephen Corbett is a financial advisor with Cetera, holding a Series 66 designation and 21 years of industry experience. His career includes roles at several Cetera entities since 2016, as well as prior experience with Girard Securities, Inc. and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered adviser serving a nationwide network of independent advisors and a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Terry Lecompte is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and having two years of industry experience. Prior to joining Primerica Advisors in 2024, Terry worked at Transamerica Financial Advisors and World Financial Group, Inc. Terry’s business activities include sales of loan products and referrals for home security and automation services through affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven investment strategies supported by third-party asset managers and custodians.

Gary Soble is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and bringing 38 years of industry experience. He has been with LPL Financial since 1993 and has been involved in direct sales with USANA since 1995, where he earns residual income from a nutritional network marketing company. 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 financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research.

Kennedee Bennett is a financial advisor at Raymond James & Associates with a Series 66 designation and one year of industry experience. Prior to joining Raymond James, Bennett held various roles at Azusa Pacific University and worked in gymnastics and retail. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations, with capabilities in public finance and municipal services.

Jasmine Turner is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 credentials and has 29 years of industry experience. She has been with UBS since 1998. Outside of advising, Turner is involved in several real estate rental activities, including properties in Puerto Rico and the U.S. Virgin Islands. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, combining proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management, offering a broad range of financial and capital markets services.

Sean Reynolds is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with 10 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm uses structured planning tools and investment modeling while offering a broad range of retail and institutional services.

Elissa Knaebel is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and having eight years of industry experience. Her prior roles include positions at TD Ameritrade, First Hawaiian Bank, Raymond James Financial Services, Edward Jones, Cetera Investment Services, and J.P. Morgan Chase Bank. She is based in Coronado, CA. 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 both non-discretionary advisory recommendations and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Luis Ayala Bautista is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and three years of industry experience. His prior work includes roles at Primerica Financial Services, Landscape, and Honeycutt Farms. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.