Natalie Stenehjem is a Series 66-licensed financial advisor with eight years of industry experience. She is currently with OSAIC, having previously worked at Royal Alliance. Outside of her advisory role, she coaches a nonprofit junior high girls volleyball team in San Diego. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporations. The firm employs a model-based investment approach emphasizing asset allocation and portfolio optimization across a range of advisory and brokerage services.

Armand Magcalas is a financial advisor at Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses with 12 years of industry experience. He has been with Morgan Stanley since 2014 and has worked at Morgan Stanley Private Bank, N.A. since 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that includes firm-approved tools and modeling techniques.

Melissa Frazier is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 17 years of industry experience. She previously worked at UBS Financial Services for 13 years before joining LPL Financial. Frazier also maintains notary services as an outside business activity. 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 portfolios, third-party asset management, and institutional platforms.

George Feliciano is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 designations and bringing nine years of industry experience. He previously worked at TD Ameritrade for seven years before joining LPL Financial in 2022. 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, supported by a network of over 22,800 advisors and extensive operational and research tools.

Jacquelyn Walker is a financial advisor at Wells Fargo Advisors with six years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Advisors since 2015. Outside of her advisory role, she is involved in modeling and brand representation, serves as a yoga instructor, works as a notary public, and provides pet care services through Rover. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services, utilizing proprietary research and tools to develop tailored recommendations for its clients.

Reza Taraz is a financial advisor with Ameriprise in Carlsbad, CA, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 1999. Outside of his advisory role, he is a board member of the Rancho Santa Fe Rotary Club and owns Taraz Administrative Services, LLC, a management consulting business. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary retirement recommendations through a centralized consulting team.

David McDonald is a financial advisor with LPL Financial, holding a Series 66 designation and 21 years of industry experience. Prior to joining LPL Financial in 2025, he worked at Eagle Strategies, NYLIFE Securities LLC, New York Life Insurance Company, and Wells Fargo Clearing and Investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers various financial planning and portfolio management services through a large network of investment adviser representatives, utilizing both proprietary and third-party strategies.

Shawna Such is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been providing financial and wealth management advice and services since 1997, serving individuals, families, businesses, and non-profit organizations. Her responsibilities include identifying and delivering financial strategies tailored to clients' financial goals and objectives. Shawna's client base includes business owners, medical professionals, non-profits, and entertainment clients. Her approach emphasizes developing lifelong business and personal relationships while delivering service with integrity and timeliness. Shawna earned her bachelor's degree from the University of San Diego. She holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She is affiliated with the San Diego Sports Association and contributes to community initiatives such as the Fowler Business Concept Challenge and the Million Meals Project. Shawna resides in Carlsbad, California, with her husband and three children. In her free time, she enjoys surfing with her family, skiing, hiking, softball, and traveling.

Laheeb Karana is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, having worked at Wells Fargo Bank since 2008. 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 sources.

Susan Fargo is a CFP® with 25 years of experience in the financial services industry. She has been affiliated with LPL Financial since 2006 and also works with San Diego County Credit Union. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Deanna Hang is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. She has been with Ameriprise and its predecessor firm since 2006. Outside of her advisory role, she has interests in real estate ownership. Ameriprise is an institutional firm that offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.

Ryan Tertel is a financial advisor at J.P. Morgan Securities in San Diego, CA, holding a Series 66 designation with one year of industry experience. His prior work includes roles at JPMorgan Chase Bank, N.A., RBC Wealth Management, and University Growth Fund. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework.

Pejhmon Kalantar is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. His prior work includes roles at U.S. Bancorp Investments, U.S. Bank, and Wells Fargo Clearing. 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, and institutional platforms, supported by extensive advisor tools and a broad array of financial products.

Christopher Lelli is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and previously spent six years with UBS Financial Services. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and methodologies.

Brian Grigg is a financial advisor with LPL Financial, holding the PFS™ designation and Series 66 license, and has 17 years of industry experience. His career includes roles at Avantax Insurance Services, Hughes Ferguson Grigg LLP, and managing his own firms such as Grigg Financial Group and Brian Grigg CPA. He is also involved in tax preparation and accounting through his ownership of related business entities. 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 portfolios, third-party asset management, and institutional platforms.

Lisa Behun is a financial advisor with RBC Capital Markets in La Jolla, CA, holding a Series 66 designation and 18 years of industry experience. She previously worked at Merrill for 17 years and Bank of America, N.A. for 19 years. RBC Wealth Management serves a broad client base, including individual investors, institutions, corporations, and charitable organizations. The firm offers a variety of advisory programs with tailored investment strategies, utilizing both in-house and third-party managers, and provides comprehensive portfolio management, financial planning, custody, and brokerage services.

Chloe Williams is a financial advisor at OSAIC with four years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors Corporation for four years. Williams attended UC Berkeley from 2017 to 2021. OSAIC serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement consulting. The firm’s investment process utilizes model-based asset allocation and portfolio optimization supported by risk assessments and rebalancing tools.

Carlos Getino is a financial advisor with LPL Financial and holds the CFP® designation along with a Series 63 license. He has 35 years of industry experience, including 31 years at Ameriprise Financial Services and four years at LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, third-party asset management access, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Shannon Cruz is a financial advisor at Morgan Stanley in La Jolla, CA, holding a Series 66 designation with three years of industry experience. She has been with Morgan Stanley and its affiliate for nine years, beginning her career at Morgan Stanley & Co. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and models to assist clients.

Stefan Hartung is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and four years of industry experience. He has worked at Ameriprise since 2020 with a brief gap between 2025 and 2026, and previously spent 13 years at the City of Wuerzburg. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service, which provides tailored reports and ongoing advice focused on reliable income and tax-aware withdrawal strategies.