Justin Mc Grath is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and two years of industry experience. He has held prior roles at The Motley Fool, Proficio, and several other organizations in various capacities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a broad range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios.

Rebecca Dempsey is a financial advisor at Raymond James & Associates with two years of industry experience. She holds a Series 66 credential and previously worked at Stifel Financial Corp. Outside of her advisory role, she is employed part-time as a bartender at Hennessey's Tavern. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Donna Luna De La Fuente is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 40 years of experience in the financial services industry. She began her career with Merrill in 1978 and has developed a comprehensive approach to wealth management that starts with understanding each client's individual goals. Her expertise includes family wealth management strategies, personal retirement planning, portfolio management services, women and wealth, and retirement income. Donna holds Series 7 and 66 FINRA registrations as well as the Personal Investment Advisor (PIA) designation. Donna earned her High School Diploma from Patrick Henry. Outside of her professional work, she enjoys gardening, spending time with her family, traveling, and practicing yoga.

Andrew Costanzo is a financial advisor at Cetera with 54 years of industry experience and holds the ChFC® and Series 63 credentials. He has been affiliated with Cetera Advisors LLC since 2013 and operates Costanzo Consulting LLC, providing financial services including client reviews and onboarding. Costanzo also runs Costanzo Financial Group, a securities and fixed insurance business. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and various program structures supported by affiliated and third-party managers.

Jonathan Friess is a financial advisor at LPL Financial with 16 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2019, following three years at Woodbury Financial Services. Based in San Diego, CA, he is part of a national network of advisors serving a broad client base. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, employing both discretionary and non-discretionary management supported by research, model portfolios, and various technology-driven tools.

Guy Zamohi is a financial advisor at LPL Enterprise with one year of industry experience. He holds a Series 66 designation and has been involved in the locksmith business as the owner of Pro Locksmith since 2010. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering a range of advisory and brokerage services supported by model portfolios, third-party asset managers, and insurance products through affiliated entities.

Jordan Bellows is a Financial Consultant currently at Fidelity Investments, where he has been serving since 2025. He has held various roles within Fidelity, including Investment Consultant from 2024 to 2025 and Planning Consultant from 2021 to 2024. Prior to joining Fidelity, Jordan worked as a Financial Planner at Goldman Sachs from 2019 to 2021. Jordan focuses on helping families achieve their financial goals by developing personalized investment strategies that align with their priorities. He holds a California Insurance License, which supports his ability to provide comprehensive financial guidance. Outside of his professional work, Jordan has interests in cars, fitness, hiking, outdoor adventures, pets, and traveling.

Ann Marie Tyrrell is a CFP®-certified financial advisor at LPL Financial with 18 years of industry experience. She previously worked at Stifel Nicolaus for 11 years before joining LPL Financial in 2024. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Rachel Gibson is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Linsco/Private Ledger Corp, affiliated with LPL Financial, since 2004. 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, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by comprehensive research and technology solutions.

David Wine is a financial advisor with Primerica Advisors in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Primerica Advisors since 2000 and has been affiliated with Primerica Financial Services since 1984. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on a range of investment models including Strategic, Tactical, Tax-Aware, and Income Distribution approaches.

Andrew Cap is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 licenses and 14 years of industry experience. His career includes roles at Charles Schwab Bank, Realty Income, and self-employment, with prior work in real estate-related businesses. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and advisory infrastructure.

Nina Nitti is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds the Series 63 designation and has been with Morgan Stanley Private Bank, N.A. since 2015, having worked at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning based on structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides planning services supported by the Global Investment Committee’s return estimates and Monte Carlo simulations.

Jonathan Nash is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior roles include positions at JP Morgan Chase Bank, JP Morgan Securities, CalChoice, Covered California, Dickerson Employee Benefits, and The Prudential Insurance Company of America. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and risk tolerances. The firm’s offerings include a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs, distinguishing it among large institutional advisers.

Kevin Hoskins is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to create, implement, and monitor customized financial plans, aiming to provide a world-class planning experience through genuine, straightforward, and attentive service. Kevin has been with Fidelity Investments since 2014, progressing through positions including Financial Representative, Investment Consultant, and Financial Consultant before his current role. Prior to joining Fidelity, he worked as an Investment Consultant at Scottrade from 2013 to 2014. He holds a California Insurance License. Outside of his professional work, Kevin has interests in baseball, fitness, football, social events with friends, and reading.

Ashley Helrich is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds the Series 66 designation and has worked within various roles at J.P. Morgan entities since 2022. Outside of finance, she has worked in the food service and retail sectors, including at Tatte Bakery & Cafe and District Hookah. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm offers non-discretionary advice through a selective group of Wealth Advisors, focusing on approved funds and strategies.

Mia Amos is a financial advisor with Charles Schwab in Carlsbad, CA, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She previously worked at TD Ameritrade for 17 years before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves a large client base primarily made up of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining centralized custody and brokerage services with multi-asset portfolio management and alternative investment due diligence.

Joseph Desantis is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Karl Freeman is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Clearing since 2016, following eight years at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a distinctive inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Archievhal Alvarado is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. Prior to joining LPL Enterprise in 2025, he worked at Edward Jones, City National Bank, and JP Morgan Securities. In addition to his advisory career, he is involved in a music business, BowtiedJ Events, as an artist and musician. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, consulting, and access to model portfolios and third-party asset management through both advisory and brokerage channels. The firm combines adviser programs with active sales of financial products, including insurance, supported by LPL’s integrated platform.

Anne Gotingco is a financial advisor with Raymond James & Associates in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. She has worked at Raymond James & Associates since 2018 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting with an emphasis on tailored, non-discretionary advice supported by extensive research and multiple portfolio management styles.