Carla Campbell is a CFP® with 27 years of industry experience, currently serving at Cetera. She has held roles at Sterling by Mejia LLC and Avantax firms, and is involved as a trustee managing a family trust and as president of Clarion Tax & Wealth Strategies, where she focuses on company organization and strategic planning. Additionally, she serves as co-executor for a family estate and operates a tax preparation and accounting business. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary strategies, supporting a large network of advisors and clients.

Dominic Myers is a financial advisor at Cetera with 20 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at firms including Lincoln Capital Inc and Independent Financial Group. Myers is also an educational speaker for the Foundation for Personal Financial Education, providing financial education to the general public. Cetera Investment Advisers LLC serves a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with various program structures and custodial relationships.

Joanne Wong is a financial advisor with Merrill based in San Diego, CA, holding a Series 66 designation and bringing 20 years of industry experience. She has worked at Merrill since 2003 and has been with Bank of America, N.A. since 2011. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ara Freedman is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Lucia Capital Group and Lucia Securities from 2011 to 2020. 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 portfolio programs, third-party asset management, and institutional platforms.

Dushyanth Reddy is a financial advisor at Cetera with 16 years of industry experience and holds a Series 66 designation. He has worked at Lincoln Capital, Inc. since 2007 and was previously with Independent Financial Group before joining Cetera. He volunteers with the Foundation for Personal Financial Education, providing one-on-one financial counseling. Cetera Investment Advisers LLC serves a wide range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with discretionary and non-discretionary program options.

Raseca Eustaquio is a financial advisor with UBS Financial Services in Los Angeles, holding a Series 66 designation and four years of industry experience. She has been with UBS Financial Services since 2020, following a 20-year tenure at Bank of America. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Bradley Cooperman is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and 26 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Chase Investment Services Corp., Wamu Investments, Inc., and Wells Fargo Investments, LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Patrick Meskell is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Edward Jones since 1999. Outside of his advisory role, he is an investor and shareholder in Bainbridge HNC, a health maintenance center. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional accounts. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supported by a large network of financial advisors and branch offices nationwide.

John Taylor is a CFP® with 27 years of industry experience, currently serving at Merrill in Carlsbad, CA. He has been with Merrill and Bank of America, N.A. for the past 12 years. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth investors, and institutions, utilizing model-based and discretionary strategies developed by internal and third-party managers.

Athena Constant is a financial advisor with Ameriprise in San Diego, CA, holding a Series 63 designation and bringing 33 years of industry experience. She has worked at Ameriprise and Ameriprise Financial Services, Inc. since 2005. Outside of her advisory role, she is involved in managing a business entity, Tyto Alba LLC. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients. It offers a Premier Retirement Income service focused on dependable income sources and tax-aware withdrawal strategies, supported by a centralized team and proprietary research tools.

Jonathan Savona is a Series 66-licensed financial advisor with 19 years of industry experience. He has been with LPL Financial since 2020 and previously worked at Lucia Securities, LLC, Lucia Capital Group, and Raymond J. Lucia Companies, Inc. In addition to his advisory work, he is involved as a non-variable insurance agent with Westland Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of representatives, offering a range of financial planning, portfolio management, and institutional platforms.

Sandra Cohn is a financial advisor at LPL Financial with six years of industry experience. She previously worked at Independent Financial Group and Intuit and has operated the Cohn Tax Company, specializing in tax preparation and accounting, for over ten years. 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, and institutional platforms, combining extensive non-advisory activities with oversight of more than $819 billion in discretionary assets.

Andrew Hathaway is a financial advisor with Ameriprise in Oceanside, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2014. Hathaway serves as Treasurer and a member of the Board of Directors for the UM Club of San Diego. Ameriprise offers retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to create personalized, non-discretionary recommendation reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Anita Boghoussian is a financial advisor at Edward Jones in Carlsbad, CA, holding a Series 66 designation with three years of industry experience. Her prior roles include positions at GoSecure, EdgeWave, and Dassault Systemes. Outside of financial advising, she is a co-owner of rental property and raw land investments. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Dennis Brewster is a financial advisor with OSAIC in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. His prior work includes roles at SagePoint Financial, Inc., OSAIC Services, Inc., and Sentra Securities Corporation. He is a co-trustee for his parents' irrevocable trust. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations through a multi-advisor platform offering brokerage and advisory services. The firm emphasizes model-based asset allocation, portfolio optimization, and offers a range of managed account programs and third-party investment options.

Irene Gomez Ramirez is a financial advisor with LPL Financial in Vista, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Her prior experience includes nine years at Wells Fargo Clearing before joining LPL Financial in 2025. 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 financial planning, model portfolio programs, and access to third-party asset managers, supporting advisors with a range of discretionary and non-discretionary strategies across various asset classes.

Robert Binkowski is a financial advisor with Ameriprise in Vista, CA, holding a Series 66 designation and 16 years of industry experience. Prior to joining Ameriprise in 2023, he worked at Arete Wealth Management LLC and Axxcess Wealth Management LLC from 2015 to 2023. He is also involved in independent insurance brokering, specializing in universal life insurance. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm provides written recommendation reports combining research, modeling, and tax-efficiency analysis, with a focus on assets managed within Ameriprise accounts.

Radia Hunter is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Ameriprise since 2013. She holds Series 63 and Series 66 licenses and is based in Carlsbad, CA. Hunter serves as Community Service Chair on the Board of Directors for Encinitas Rotary. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Andrew Apple is a financial advisor at Merrill in San Diego, CA, with 16 years of industry experience. He holds a Series 66 designation and has worked at Bank of America, Merrill, Allstate Financial Advisors, and Waddell & Reed. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kristi Brooks is a financial advisor at Fidelity with eight years of industry experience. She holds a Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2018, previously spending five years at Bonotel Exclusive Travel. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm combines proprietary fundamental research with quantitative and algorithmic portfolio construction to deliver model portfolios, and it engages in active oversight and advisory roles uncommon among large institutional peers.