Courtney Liddy is a financial advisor at UBS Financial Services with 32 years of industry experience. She has been with UBS since 2013 and holds Series 63 and Series 65 credentials. Outside of her advisory work, she is a fractional owner of an airplane through Piper One Media LLC. UBS Financial Services serves individual, corporate, and institutional clients by providing brokerage and investment advisory solutions, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services to offer a broad range of investment products and capital markets services.

Benjamin Krzyzewski is a CFP® professional with seven years of experience serving clients through LPL Financial since 2019. Prior to his financial advisory career, he worked at Voith Hydro Inc. for twelve years. LPL Financial is a national broker‑dealer and SEC-registered investment adviser providing a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm supports its network with multiple investment platforms, including model portfolios, third-party asset management, and institutional programs, emphasizing a broad suite of strategic and tactical allocation options.

Ryan Maul is a CFP® with 26 years of industry experience, currently serving at Cetera in San Diego, CA. His career includes roles at multiple Cetera affiliates since 2009 and prior positions with First Allied Advisory Services and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of over 10,000 independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management options and reported over $256 billion in assets under management.

Nina Duprat is an Investment Consultant at Fidelity Investments, where she focuses on delivering retirement planning, investment strategy, and tax-efficient investing tailored to clients' long-term goals and unique needs. She has held her current role since 2025, following a position as a Planning Consultant at Fidelity Investments from 2024 to 2025. Prior to joining Fidelity Investments, Nina was an Associate Wealth Manager Group from 2020 to 2024 and worked as an Associate at Edward Jones from 2019 to 2020. She holds a California Insurance License, supporting her work in financial planning and investment consulting. Outside of her professional career, Nina enjoys camping, outdoor adventures, traveling, and spending time with her pets.

Darrin Santos is a CFP®-certified financial advisor with over 34 years of industry experience. He is currently with LPL Financial and has previously worked at Financial Strategies, Inc., Stj And Company Inc, and Securities America Advisors Inc. Santos is also involved in a marketing business outside of his advisory role. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management solutions to individual and institutional clients.

Ashley Crane is a financial advisor with Cetera, holding CFP® and Series 66 credentials and bringing 16 years of industry experience. She has held positions at Cetera and Ameriprise and currently operates a financial services business, Affluence.com. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts, offering a multi-manager platform with various portfolio management and financial planning services.

Sylvia Sendoda is a financial advisor at UBS Financial Services with 19 years of industry experience. She holds a Series 66 designation and has worked with UBS since 2009, including at UBS International Inc., following a prior role at Merrill. She is co-trustee of a family revocable trust used for wealth transfer purposes. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocations.

Victoria Utecht is a financial advisor with Wells Fargo Clearing in San Diego, CA. She holds Series 63 and Series 65 licenses and has 39 years of industry experience. Her prior experience includes 11 years at A. G. Edwards & Sons, Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm provides investment advisory services, financial planning, retirement plan consulting, and offers both brokerage and advisory solutions.

Mark Gerardi is a CFP® with 31 years of experience in the financial services industry. He is currently affiliated with LPL Financial and has held previous roles at Cetera, U.S. Bancorp Investments, Raymond James Financial, J.P. Morgan Private Wealth Advisors, and First Republic Wealth Advisors. Outside of his advisory work, he coaches high school wrestling and works as a mortgage loan originator. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies supported by advisor-facing technology tools.

Stephen Geribo Jr. is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. Prior to joining Ameriprise in 2021, he worked for eight years at Independent Financial Group. Outside of his advisory role, he serves as Vice-President on the Board of Directors for his homeowners association and coordinates Financial Peace University at his church. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Jamileth Saleh is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley in 2025, she worked at Advice Analytics, Inc. and Charles Schwab & Co., Inc. She has a background in education spanning several years. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and broad investment resources in its services.

Kristina Klamer is a financial advisor at Merrill with 10 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 2019, following nine years at Bank of America NA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies developed by internal and third-party managers.

Monica Timmons is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 66 credentials. Her prior work includes multiple tenures at Merrill and a period at Stifel Nicolaus & Co Inc. Outside of her advisory role, she owns and operates a family business called Rics BarkHaus, where she boards and trains dogs. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutions.

Liliana Rurup is a financial advisor with LPL Financial, holding a Series 66 designation and nine years of industry experience. She previously worked at Edward Jones from 2017 to 2021. Outside of her financial advisory role, she is involved in energy healing through Inlight Intuitive Wisdom-Lili of the Valley. 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 services including financial planning, model portfolio programs, and institutional platforms, with advice delivered through a large network of investment adviser representatives using both proprietary and third-party strategies.

Joshua Stein is a Series 66 licensed financial advisor at UBS Financial Services in San Diego, CA, with 12 years of industry experience. He has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor financial plans.

Amanda Weese is a financial advisor at Cetera with four years of industry experience. She holds the Series 63 and Series 65 designations. Her prior experience includes roles at Guardian Life Insurance, Park Avenue Securities, and Wealth Navigation Advisors. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a large nationwide network of independent advisors serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services, utilizing multiple program structures and affiliated and unaffiliated third-party managers.

Ryan Kirby is a financial advisor with LPL Financial in San Diego, CA, holding CFP® and Series 66 designations and bringing 19 years of industry experience. He previously worked at Unionbanc Investment Services for 17 years and Ameriprise for one year. Outside of his advisory role, he is co-owner of two business entities unrelated to investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, including model portfolios and third-party asset management, supported by advanced operational tools.

Jacob Soinski is a financial advisor at Morgan Stanley in San Diego, CA, holding CFP® and CFA® designations with seven years of industry experience. His prior roles include positions at USI Advisors, USI Consulting Group, and Valmark Securities, Inc. He joined Morgan Stanley in 2025. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools to support its financial advisory services.

Adam Baldridge is a Financial Consultant currently working at Fidelity Investments since 2021. He specializes in collaborating with clients to develop personalized financial plans and strategies that adapt to their evolving circumstances and goals. Adam focuses on delivering guidance and resources to help clients make informed financial decisions aligned with their objectives. Prior to his current role, Adam gained experience as a Fixed Income Specialist II at TD Ameritrade from 2018 to 2021 and as a Financial Services Representative at Scottrade from 2017 to 2018. He holds a California Insurance License, supporting his capability to provide comprehensive financial advice. Outside of his professional work, Adam has interests in golf, outdoor adventures, pets, skiing, snowboarding, and surfing.

Serene Burbidge is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and over one year of industry experience. She previously worked for First Command Financial Services for ten years before joining Ameriprise. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. This service provides written recommendations and annual advice focused on dependable income sources and tax-aware withdrawal strategies.