Patricia Bribiesca is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and bringing 25 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and capital markets solutions.

Patricia Fleming is a CFP® professional with 36 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. Her prior experience includes roles at Waddell & Reed, Inc., various insurance carriers, and Lumena Financial Strategies, Inc., which she founded and operated from 2017 to 2021. She also served on the Women In Blue Executive Cabinet and was involved with Act Today (Autism Care & Treatment). LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers comprehensive financial planning and advisory programs with both discretionary and non-discretionary management supported by research and model portfolios.

Jeffrey Naiman is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 65 designations and having 26 years of industry experience. He has been with LPL Financial since 2004. Additionally, he is involved in a non-variable insurance business under the name Treble Financial. 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 advisers. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research.

Richard Whalen is a financial advisor at UBS Financial Services with 42 years of industry experience. He has been with UBS since 2008 and holds Series 63 and Series 65 licenses. Whalen has also served on a committee overseeing foundation assets for the Scottsdale Boys & Girls Clubs Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services and offers access to proprietary research and capital markets solutions.

Dan Atkin is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and previously worked in various roles including six years at Sunstate Equipment Co. and positions at Mona Lisa Italian Foods and San Diego State University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, multi-manager structures, and regulatory registrations that support its advisory role across multiple registered investment companies.

Fany Hirales is a CFP®-designated financial advisor with 16 years of industry experience, currently serving at OSAIC since 2023. Previously, she worked at SagePoint Financial and Independent Capital Management for 13 years. She is also the owner of Hirales Wealth Solutions, an LLC involved in administrative activities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services using asset allocation tools, risk tolerance assessments, and multiple investment strategies across discretionary and non-discretionary accounts.

Allyson Flournoy Wooten is a Series 66 licensed financial advisor with LPL Financial, based in San Diego, CA, with three years of industry experience. Prior to joining LPL Financial, she worked at Chatmeter and The Active Network. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Morgan Ryan is a Wealth Management Planning Consultant at Fidelity Investments. In this role, Morgan partners with clients to develop and implement comprehensive wealth strategies focused on growth, preservation, and transfer of wealth, guided by clients' values and priorities. Morgan has been with Fidelity Investments since 2015, initially serving as a Relationship Manager before transitioning to the current consultant role in 2017. Morgan holds a California Insurance License, supporting the ability to provide informed financial planning and advice.

Loc Vo is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Bank of America and Merrill since 2019 and has prior experience with firms including Vinfast, SagePoint Financial, Independent Capital Management, and HSBC. Outside of his advisory role, he is a co-owner of family rental properties in the San Diego area. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individual, high-net-worth, and institutional clients.

Martha Berumen is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63, 65, and 66 licenses and with 17 years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers a wide range of retail and institutional investment products.

Jose Lopez is a financial advisor at Morgan Stanley with six years of industry experience. His career includes positions at Wells Fargo Bank NA and Wells Fargo Clearing Services LLC before joining Morgan Stanley Smith Barney LLC in 2022. Lopez holds Series 63 and Series 66 licenses and is based in San Diego, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using firm-approved tools and models, and manages approximately $2.74 trillion in client assets.

Layla Kouriri is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and having eight years of industry experience. Her prior roles include positions at RBC Capital Markets, TD Ameritrade Institutional, Lyft, and Pacific Beach Restaurant Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Evan Thomas is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. His prior work includes roles at several technology companies. OSAIC serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers. The firm utilizes asset-allocation tools and automated rebalancing to construct diversified portfolios across various asset classes.

Braden Botkin is a CFP® and CFA® with 18 years of industry experience. He has worked at LPL Financial since 2019 and previously spent 11 years at Madison Avenue Securities, Inc. He operates out of San Diego, CA. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a broad 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 with access to model portfolios and research.

Usman Ahmed is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. Prior to that, he was employed by DoorDash from 2016 to 2018. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

David Bretz is a CFP® professional with 27 years of industry experience, currently affiliated with Cetera. He has worked at Cetera and its related entities since 2013 and is owner and president of Everstead Financial Group, a financial services firm. Bretz also serves as president of Bretz Financial Group, which focuses on tax and expense management, and holds a role as an insurance agent for fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Jason Lyons is Vice President and Branch Leader at Fidelity Investments, a position he has held since 2023. In this role, he focuses on understanding client needs through planning and helping wealth management teams create customized strategies. His objective is to help clients gain confidence in their financial plans to support their life goals. Prior to joining Fidelity Investments, Jason served as Branch Manager at E*TRADE from Morgan Stanley from 2009 to 2023. He holds a California Insurance License. Outside of his professional work, Jason has interests in biking, fitness, gardening, parenthood, pets, and surfing.

Heath Haggerty II is a financial advisor at LPL Financial with one year of industry experience. He also operates HJH Professional Services, Inc., doing business as Pacific Beach Tax Center, a tax service business he has been involved with for over a decade. 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 financial planning and advisory services, including discretionary and non-discretionary portfolio management, model portfolios, and retirement plan consulting.

Aaron Montez is a CFP®-certified financial advisor at LPL Financial with 26 years of industry experience. He worked at Lincoln Financial Advisors Corporation for nine years before joining LPL Financial in 2023. Montez is involved in several non-investment business entities for tax and investment purposes. 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. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Alvaro Macias Gonzalez is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab since 2023, previously employed at TD Ameritrade from 2021 to 2023. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, using multi-asset model portfolios and centralized operational and supervisory structures.