Christian Ng is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and seven years of industry experience. He has been with UBS Financial Services since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and provides research, custody, underwriting, and capital markets services through its platform.

Santiago Huerta is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has been with LPL Financial since 2018 and previously worked at SagePoint Financial. Huerta also maintains a role at Independent Capital Management, which he has been involved with since 2013. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs and financial planning services, supported by research and model portfolios, and provides both discretionary and non-discretionary management options.

Kevin Wilson is a CFA® charterholder with 21 years of industry experience, currently serving as a financial advisor at RBC Capital Markets since 2026. His prior roles include positions at Bank of America from 2021 to 2026 and Columbia Management Advisors, LLC from 2005 to 2021. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to clients’ risk profiles and utilizing both in-house and third-party investment managers.

Peter Falk is a financial advisor at Osaic Wealth, Inc. in La Jolla, CA, with 25 years of industry experience. He holds a Series 66 designation and previously worked for Lincoln Financial Advisors Corp. for 25 years before joining Osaic in 2025. Falk is co-director of education at the nonprofit Scope Institute, which provides educational events for San Diego business owners focused on exit planning strategies. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to build diversified portfolios managed on discretionary or non-discretionary bases.

Patrick Kearney is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his commitment to providing tailored investment guidance. Patrick earned a Bachelor's Degree from San Diego State University. His educational background, combined with his professional experience, supports his role in delivering comprehensive financial advisory services.

Andrew Beckstrand is a financial advisor at Charles Schwab with eight years of industry experience. He holds a Series 66 designation and has previously worked at TD Ameritrade, Fidelity Brokerage Services LLC, Cuso Financial Services, LP, and E*Trade. He is based in San Diego, CA. Charles Schwab & Co., Inc. serves a large client base of 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 combination of non-discretionary advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Raquel Fang is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. She has worked at J.P. Morgan Securities and JPMC Bank NA since 2016 and has held roles as a mobile notary and at the Privilege/Momentum Talent Agency. J.P. Morgan Securities LLC 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 recommendations.

Mark Yackey is a financial advisor with Charles Schwab, holding a Series 66 designation and over 10 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank SSB since 2015 and 2016, respectively. He is based in La Jolla, CA. 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 client relationship model that combines non-discretionary advisory guidance with access to discretionary separately managed accounts, supported by centralized supervisory, custody, and order-routing systems.

Rita Sanchez is a financial advisor with Morgan Stanley in La Jolla, CA, holding the Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by firm-approved tools and modeling techniques.

Saundra Gardner is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been with Merrill Lynch since 2007, after joining from Smith Barney in Beverly Hills where she served as a Senior Investment Management Consultant. Over her career, she has held various roles including Branch Manager, Licensed Securities Principal, and Registered Investment Advisor in markets such as New York, Chicago, Miami, and Los Angeles. With over 25 years of experience, Saundra specializes in wealth management strategies, including investment consulting for defined contribution plans, employee financial health, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, tax minimization, and retirement income. She is a CERTIFIED FINANCIAL PLANNER® certificant and holds additional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). As a Senior Portfolio Advisor, Saundra provides traditional advice and also manages custom investment strategies and model portfolios, sometimes on a discretionary basis. Saundra earned a bachelor's degree from New Mexico State University. She participates in community activities including volunteering with Community Church. Her personal interests include biking, gardening, hiking, reading, spending time with family, and traveling.

Colton Punches is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at LPL Financial and Securities America Advisors. Fidelity, through its affiliate Strategic Advisers LLC, provides investment management and advisory services to both retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to create diversified model portfolios.

Glenn Mazzone is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. 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 and integrates structured discovery conversations with firm-approved planning tools.

Kristel Jocson is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Clearing since 2017, following five years at J.P. Morgan Securities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services tailored to plan objectives, demographics, and risk tolerances.

Sacha Mackels is a CFP® and ChFC® with 14 years of experience in financial services. He is affiliated with Cetera and has previously worked with Securian Financial Services and Minnesota Life Insurance. Mackels is also the owner of Mackels Advisory and Planning LLC, an expense management business. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing multiple program structures and access to both affiliated and third-party investment managers.

Zackery Bertrand is a CFP® professional with 10 years of industry experience. He is currently an advisor at OSAIC and previously worked for nine years at Lincoln Financial Advisors. He is also licensed to offer non-variable insurance and annuity products. Osaic Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and nonprofits through a broad network of advisers and platforms, providing integrated brokerage, advisory, and managed portfolio services.

Casey Caliva is a CFP® professional with 19 years of experience and has been with Edward Jones since 2007. He holds the Series 66 designation and is based in San Diego, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Ryan Friesen is a CFP® professional with three years of industry experience, currently affiliated with Cetera. He has held roles at several related firms including Celeste Financial Group and Vanderbyl Associates INC. Outside of his advisory work, he is involved with Celeste Financial Group, where he reviews client profiles and prepares client reviews. Cetera Investment Advisers LLC is a large, SEC-registered advisory firm that serves a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party investment options.

Laura Smith is a CFP® with 28 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors LLC from 2010 to 2016. 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 advisory solutions. The firm’s process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Christie Shaw is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. She has been with LPL Financial since 2011. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting supported by research and model portfolios from LPL and third-party subadvisors.

Casey Rader is a CFP® and Series 66 registered financial advisor with 22 years of industry experience. He has been with UBS Financial Services Inc. since 2013 and is based in La Jolla, CA. Outside of his advisory role, he serves as a notary public. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.