Michael Dose is a financial advisor at Cambridge Investment Research Advisors with 38 years of industry experience. He holds the ChFC® and Series 63 designations and has been affiliated with multiple firms including Dempsey Lord Smith, LLC and Center Street Securities. Dose is also involved as an agent in insurance and benefits-related activities and operates under the DBA The Retirement Strategy Connection. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement plan advisory services through independent financial professionals using a range of portfolio management and model-based strategies.

William Gaston is a financial advisor with Charles Schwab in La Jolla, CA, holding Series 63 and Series 66 licenses and with 19 years of industry experience. He has worked at Charles Schwab since 2011 and at Charles Schwab Bank since 2014. Outside of his advisory role, he is an owner of rental property. 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 and offers a multi-asset, model portfolio investment approach supported by Schwab Center for Financial Research.

Luis Franco Jr. is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 designations and has eight years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and MUFG Union Bank, and serves in the United States Navy. 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 applying an ESG eligibility framework in its investment recommendations.

Keith Dilloway is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 licenses and 23 years of industry experience. His prior roles include positions at Morgan Stanley and Commonwealth Financial Network. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Drew Slacum is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 credential and having 22 years of industry experience. He has been with Morgan Stanley and its affiliates since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he is a player in the National Pickleball League. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, including tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-sponsored financial plans.

Mary Moses is a financial advisor with RBC Capital Markets in La Jolla, CA, holding a Series 66 designation and 17 years of industry experience. She has worked at RBC Capital Markets since 2017 and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Mary serves as Treasurer of the Village Bloom Foundation, a charitable organization. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual, institutional, and charitable clients through various advisory programs. The firm offers tailored portfolio management solutions using both in-house and third-party managers and incorporates features such as tax management, responsible investing, and alternative investments.

William Boggs is a CFP®-designated financial advisor with 19 years of industry experience. He is currently with Wells Fargo Advisors in La Jolla, CA, having joined the firm in 2025. Prior to this, he worked for nine years with Pence Wealth Management Corporation and LPL Financial, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and fee-based financial planning services. The firm provides tailored recommendations supported by internal research and planning tools, covering diverse areas such as retirement, education, and specialized planning for business owners and other niche needs.

Estela Maria Carvalho Almeida is a financial advisor with Charles Schwab who holds a Series 66 designation. She has been in the industry since 2025 and previously worked at San Diego County Credit Union and Uber Eats. Based in La Jolla, CA, Almeida has experience in diverse fields including financial services and customer-focused roles. 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 offers a mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized operational support.

Wenduo Guo is a financial advisor at Cambridge Investment Research Advisors with 13 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Cambridge in 2019, he worked at First Command Advisory Services, First Command Financial Planning, Inc., and First Command Insurance Services, Inc. Guo also operates as an independent insurance agent in San Diego. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, with a range of portfolio management options across multiple platforms and both discretionary and non-discretionary strategies.

Tian Lin is a financial advisor with Charles Schwab & Co., Inc. in San Diego, CA, holding Series 66 and Series 63 licenses and having two years of industry experience. Prior to joining Charles Schwab, Tian was involved in homemaking and early childhood education, including work at Frisco Community Bible Church Christian Preschool. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Steven Lahre is a financial advisor with RBC Capital Markets in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 46 years of industry experience. He has worked at RBC Capital Markets since 2012 and at City National Bank since 2016. Lahre serves on the board of the San Diego High School Academy of Finance, where he mentors students and provides guidance. RBC Wealth Management, a division of RBC Capital Markets, LLC, offers a range of advisory programs and financial services to individuals, institutions, pension plans, corporations, and charitable organizations. The firm customizes investment strategies based on clients’ risk profiles and utilizes both in-house and third-party managers, with options for tax management and responsible-investing screens.

Luke Ervin is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves as a board member and Treasurer for the La Jolla Golden Triangle Rotary Club Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Brian Duckworth is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. He previously worked at TIAA-CREF from 2016 to 2020. Outside of his advisory role, he is involved as a trustee for personal and family trusts. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, offering a range of financial planning and brokerage services. The firm is dual-registered as an SEC investment adviser and broker-dealer and collaborates with third-party asset managers and sponsors to deliver advisory and brokerage solutions.

Emilia Rivera is a financial advisor at Morgan Stanley with seven years of industry experience. She previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA, and earlier in her career at Skechers U.S.A. She holds the Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, using firm-approved tools and methodologies to support its advisory services.

Ryan Rose is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. In addition to his advisory work, he is involved in group insurance through Chubb. 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 range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Mitchell Severe is a financial advisor with LPL Financial based in San Diego, CA. He holds the Series 66 designation and has been with LPL Financial since 2024. Prior to his current role, he has experience in various industries including education and the cannabis sector. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting with both discretionary and non-discretionary management supported by research and diversified investment strategies.

Nathan Medina is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with LPL Financial since 2003. In addition to advisory work, he operates a tax preparation and planning service under Nathan Medina Tax Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting with discretionary and non-discretionary management supported by proprietary and third-party research.

Jeffrey Hoehner is a financial advisor with Cetera, holding the Series 66 designation and bringing 20 years of industry experience. He has worked at Cetera and its related entities since 2020 and previously spent seven years at WBB Securities. Outside of advising, he is also involved in the sale of fixed insurance products, including life and annuities. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporations, and institutional accounts. The firm offers multi-manager investment platforms with discretionary and non-discretionary portfolio management, financial planning, and access to affiliated and third-party money managers across various program structures.

Marci Mauro is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and six years of industry experience. She has worked at Wells Fargo and its affiliates since 2017 and previously at Pacific Southwest Realty Services. Outside of her advisory role, she coaches a functional interval training program at Bay Club Carmel Valley. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment menus.

Lawrence Potomac is a financial advisor with LPL Financial in San Diego, holding Series 63 and Series 65 credentials and 46 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved in life and disability insurance as well as fixed annuities. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management and incorporates research from various sources to support diversified investment strategies.