John Lohrenz is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. He worked at Merrill from 1997 to 2009 before joining LPL Financial, where he has been since 2009. Outside of his advisory role, Lohrenz is an author working on a book through The Prosperity Project. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its advisors with multiple investment strategies and technology tools while managing over $819 billion in discretionary assets through a large network of investment adviser representatives.

Ryan Peterson is a financial advisor at UBS Financial Services in San Diego, CA, holding a Series 66 designation with six years of industry experience. His work history includes multiple roles at UBS since 2017 and prior experience in various sectors including education and the U.S. Marine Corps. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary market research with model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets and advisory solutions.

Claire Shinholser is a CFP®-certified financial advisor with 10 years of industry experience, currently affiliated with LPL Financial in San Diego, CA. She has previously worked at firms including Overland and Shanahan and Voya Financial Partners. Outside of her advisory role, she is involved with independent insurance services through The Producer's Group and High Bluff Private Wealth. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Diana Molina is a financial advisor at Fidelity with Series 66 and Series 63 licenses and two years of industry experience. Her prior work includes roles at Wells Fargo Clearing and Wells Fargo Bank, NA. Before entering finance, she worked at Sushiya and Eastlake High School. Fidelity’s Strategic Advisers LLC division provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund-of-funds and model portfolios.

Angela Alldredge is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and having 28 years of industry experience. She previously worked at CitiGroup, Bank of America, and Merrill. Outside of her advisory role, she manages a rental property through a family trust. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Joseph Kitaen is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2022. Outside of finance, he has been involved in a short-term entrepreneurial venture named Rent a Frog. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm offers non-discretionary advice focused on asset allocation, investment manager searches, and customized performance reporting, supported by centralized due diligence and a range of affiliated portfolio services.

Carly Hall is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and five years of industry experience. She has been with Thrivent and its affiliates since 2020. Before her financial advisory career, Carly worked in healthcare-related roles at Hoag Hospital and Paloma Medical Group. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on holistic, goal-based planning across various topics and offers clients the option to combine planning with managed-account services under a consolidated billing program.

Walter Bowser II is a CFP® professional with 18 years of experience in the financial industry. He has been with Edward Jones Investments since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Tiy Oneal is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 license and over 34 years of industry experience. He previously worked at Lucia Securities, LLC, First Allied Advisory Services, Inc., and First Allied Securities, 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 variety of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Dean Zack is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 63 designation and 39 years of industry experience. He has worked at Raymond James since 2018 and previously held positions at Wells Fargo Clearing and Concurrent Advisors. He is the owner of Zack Wealth Management, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients, using analytical tools and non-discretionary advisory services tailored to client goals.

David Lu is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at Morgan Stanley & Co Inc for 10 years before joining Wells Fargo Clearing in 2019. 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 services grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Christopher Campbell is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and previously worked at Geico, Actalent, and Nordstrom Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.

Bekah Peterson is Vice President and Private Wealth Management Advisor at Fidelity Investments, a role she has held since 2025. Prior to this, she served as Vice President and Wealth Planner at Fidelity Investments from 2021 to 2025. In her current position, she partners with clients to develop tailored wealth management strategies that address the complexities and opportunities associated with significant wealth. She focuses on aligning financial plans with clients' evolving goals, including wealth preservation, philanthropic endeavors, and business transitions. Bekah holds a California Insurance License, supporting her advisory services in managing her clients' financial and insurance needs. Outside of her professional career, Bekah engages in fitness activities including scuba diving, snowboarding, yoga, and traveling.

Shannon Arballo is a Financial Advisor with Merrill Lynch Wealth Management. She is a FINRA registered advisor who emphasizes integrity and honesty while serving the best interests of her clients. Her professional approach is built on transparency, open communication, and trust, aiming to develop personal relationships with clients and provide impeccable customer service. Her expertise includes family wealth management strategies, managing new wealth, personal retirement planning, investment strategies for individuals and corporations, and a focus on women and wealth. Shannon leverages the investment insights of Merrill Lynch Wealth Management and the banking services of Bank of America to help clients pursue goals such as funding education, planning for retirement and healthcare costs, and creating personalized financial plans. She holds the designation of Personal Investment Advisor (PIA) and has completed education at Poway High School and Ashford University. In addition to her professional work, Shannon is engaged in community involvement, volunteering with organizations such as the Jacobs & Cushman San Diego Food Bank, Operation Homefront Inc., Support The Enlisted Project Inc., and the Surfrider Foundation San Diego County Chapter. Her personal interests include camping, cooking, golfing, music, spending time with family, and watching movies.

Kaitlyn Clark is Vice President and Branch Leader at Fidelity Investments, where she leads a team focused on delivering a great experience for clients. She works closely with advisers and team members to support their efforts in helping more people with their financial needs. Kaitlyn has extensive experience at Fidelity Investments, having held multiple roles since 2016. Her positions have included Financial Representative, Relationship Manager, Planning Consultant, Financial Consultant, Branch Leader, and now Vice President, Branch Leader. She holds a California Insurance License.

Maxwell Razzore is a financial advisor at Cetera with 19 years of industry experience. He holds the Series 66 designation and has worked with several firms, including LPL Financial from 2008 to 2021 and First Allied Securities from 2021 to 2022. Since 2021, he has been associated with multiple Cetera entities. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Steven Dematteo is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he has provided a short-term loan to a manufacturing business, Masterbuilt. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, employing model-based asset allocations and research to tailor client plans. The firm integrates institutional trading capabilities with wealth management services, including proprietary research and affiliated banking programs.

Raymond Seifritz is a financial advisor at LPL Financial with 17 years of industry experience. He holds the ChFC® designation and Series 66 license. Prior to joining LPL Financial, he worked at Advisor Group for 10 years and Lucia Capital Group for four years. Outside of his advisory work, he serves as a FINRA arbitrator and owns a technology and software consulting business. 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 services including financial planning, model portfolios, third-party asset management access, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by research tools.

David Stitt is a financial advisor at Charles Schwab with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2009. 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 primarily non-discretionary advisory services with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by Schwab’s Center for Financial Research.

Philip Harrison is a financial advisor with Ameriprise in San Diego, CA, holding a Series 63 designation and over 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Harrison serves on the Board of Directors for Big Brothers Big Sisters of San Diego County. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports. The firm also delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.