Mario Rosas is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. He has been with UBS Financial Services since 2010 and has worked with UBS International Inc. since 2006. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Richard Duarte is a financial advisor with UBS Financial Services who holds Series 63 and Series 65 credentials and has 28 years of industry experience. His prior employers include Morgan Stanley Private Bank and Wells Fargo Advisors. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and manages a broad range of capital markets activities.

Cheryl Cousino is a CFP® with 29 years of industry experience, currently advising at Cetera since 2019. She previously worked at Foresters Financial Services and Foresters Advisory Services. She serves as the Women's Initiative Chair for the Financial Planning Association San Diego chapter and volunteers with the National Charity League. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, corporate, and institutional clients nationwide, offering diverse portfolio management and financial planning services through a multi-manager platform.

Luis Beltran is a financial advisor at Edward Jones with 15 years of industry experience and holds a Series 66 designation. His prior roles include positions at Bank of America, Merrill Lynch, and JPMorgan Chase Bank and Securities. Outside of his advisory work, he manages a short-term rental business in San Diego. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and corporate entities. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of advisors and branch offices.

Gregory Reynolds is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 credentials and 17 years of industry experience. He has worked at Cetera since 2019 and previously spent six years with Foresters Advisory Services. Outside of his advisory work, he serves as an executor of an estate. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of over 10,000 advisors serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring affiliated and third-party strategies.

Joshua Hudecek is a financial advisor at RBC Capital Markets in San Diego, CA, holding a Series 66 designation. He joined RBC Capital Markets in 2026 after roles at Bank of America and San Diego County Credit Union. He has less than one year of industry experience. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charities. The firm offers various wrap fee advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, providing both discretionary and non-discretionary portfolio management alongside financial planning and brokerage services.

Stephen Schwarz is a financial advisor at Morgan Stanley with 43 years of industry experience. He has worked with Morgan Stanley Private Bank since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets beginning in 1994. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individual and institutional clients. The firm provides financial planning using structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Gildete Holt is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2020. Prior to that, she was affiliated with Equitable Advisors and Axa Advisors and has experience as a homemaker. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Courtney Liddy is a financial advisor at UBS Financial Services with 32 years of industry experience. She has been with UBS since 2013 and holds Series 63 and Series 65 credentials. Outside of her advisory work, she is a fractional owner of an airplane through Piper One Media LLC. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory solutions, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services to offer a broad range of investment products and capital markets services.

Benjamin Krzyzewski is a CFP® professional affiliated with LPL Financial in San Diego, CA, with seven years of industry experience. Prior to joining LPL Financial in 2019, he worked for Voith Hydro Inc. from 2007 to 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL Research and third-party subadvisors.

Ryan Maul is a CFP® with 26 years of industry experience, currently serving at Cetera in San Diego, CA. His career includes roles at multiple Cetera affiliates since 2009 and prior positions with First Allied Advisory Services and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of over 10,000 independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management options and reported over $256 billion in assets under management.

Nina Duprat is an Investment Consultant at Fidelity Investments, where she focuses on delivering retirement planning, investment strategy, and tax-efficient investing tailored to clients' long-term goals and unique needs. She has held her current role since 2025, following a position as a Planning Consultant at Fidelity Investments from 2024 to 2025. Prior to joining Fidelity Investments, Nina was an Associate Wealth Manager Group from 2020 to 2024 and worked as an Associate at Edward Jones from 2019 to 2020. She holds a California Insurance License, supporting her work in financial planning and investment consulting. Outside of her professional career, Nina enjoys camping, outdoor adventures, traveling, and spending time with her pets.

Darrin Santos is a financial advisor with LPL Financial, holding the CFP® designation and Series 63 and 65 licenses, with 33 years of industry experience. He previously worked at Financial Strategies, Inc., Stj And Company Inc, and Securities America Advisors Inc, among others. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management strategies supported by in-house and third-party research.

Ashley Crane is a CFP® professional with 15 years of industry experience, currently affiliated with Cetera. She has worked at Cetera Wealth Services, LLC since 2015 and also holds a role at Affluence.com, a financial services business. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, using a multi-manager platform with diverse program options and investment strategies.

Sylvia Sendoda is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has been with UBS and UBS International Inc. since 2009 and 2010, respectively. Outside of her advisory role, she serves as co-trustee of a family revocable trust. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans aligned with clients’ goals and risk tolerances.

Victoria Utecht is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she co-owns a rental property in Imperial Beach, California, with her spouse. 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 from Wells Fargo Investment Institute and third-party data.

Mark Gerardi is a CFP® professional with 31 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has held prior roles at Cetera, U.S. Bancorp Investments, and UnionBanc Investment Services. Outside of his advisory work, he coaches high school wrestling and works as a mortgage loan originator. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research from internal and third-party sources.

Stephen Geribo Jr. is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. Prior to joining Ameriprise in 2021, he worked for eight years at Independent Financial Group. Outside of his advisory role, he serves as Vice-President on the Board of Directors for his homeowners association and coordinates Financial Peace University at his church. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Jamileth Saleh is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley in 2025, she worked at Advice Analytics, Inc. and Charles Schwab & Co., Inc. She has a background in education spanning several years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and broad investment resources in its services.

Liliana Rurup is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and eight years of industry experience. She previously worked at Edward Jones from 2017 to 2021. Outside of advising, she is involved in energy healing through her business, Inlight Intuitive Wisdom-Lili of the Valley. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and other organizations through a national network of representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, supporting clients with discretionary and non-discretionary management, model portfolios, and various investment strategies.