Yoko Wickersham is a CFP® professional with 28 years of industry experience, currently with LPL Financial since 2013. She previously worked at Wells Fargo Clearing for 10 years and Prudential Equity Group, LLC for three years. Outside of advising, she maintains a business managing property rentals. 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 supported by various investment platforms and tools.

Jeffrey Ross is a financial advisor with Raymond James Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Prior to joining Raymond James in 2023, he worked at Transamerica Capital, Inc. for eight years. He is also engaged in a support role at Addison Avenue Investment Services, assisting a financial advisor team. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm emphasizes non-discretionary planning tailored to client goals and incorporates analytical tools such as risk profiling and probability modeling in its approach.

Jason Egnew is a financial advisor at J.P. Morgan Securities with 13 years of industry experience and holds a Series 66 designation. He has worked at Morgan Stanley and its affiliated entities before joining J.P. Morgan in 2019. Outside of his advisory role, he serves in the U.S. Army Reserve. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a nondiscretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporates ESG criteria, and offers access to broader derivatives and commodities capabilities.

Gregory Ratchuk is a financial advisor at LPL Financial with 48 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at Crowell, Weedon & Co. and A. G. Edwards & Sons, Inc. He also operates a business under the name Ratchuk Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions with a range of advisory and brokerage services.

Todd Clark is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. He has worked at Cambridge since 2010 and previously with OSAIC Services, Inc. and Sunamerica Securities, Inc. He is also the owner of Blanton Financial Group. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through multiple platforms and proprietary model strategies.

Zoran Selakovic is a financial advisor at LPL Financial with 18 years of industry experience. He holds a Series 66 designation and has been associated with LPL Financial since 2008. He currently serves as Treasurer on the board of the nonprofit YACHTAID GLOBAL. LPL Financial is a national broker‑dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and investment management solutions through a large network of investment adviser representatives.

Kirsten Roybal is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. She previously worked at Union Banc Investment Services and U.S. Bancorp Advisors before joining LPL Financial in 2020. Roybal also manages a separate investment-related business, Roybal Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and investment management services through a large network of advisory representatives.

Christopher Banta is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several notable firms including Merrill Lynch, Bank of America, and PNC Investments. Prior to his financial career, he worked with the San Diego Unified School District and as a self-employed consultant. 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 services. The firm offers a combination of non-discretionary and discretionary investment management, supported by multi-asset model portfolios and centralized operational infrastructure.

June Falales is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at Bank of America/Merrill, Prudential Financial, and Luiz H Boscardin. Falales also spent 19 years at Tiffany & Company prior to her financial services career. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective advisory program that offers non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with an ESG framework, supporting clients with specialized capabilities in derivatives and commodities.

Adrian Concepcion is a CFP® and ChFC® with 27 years of industry experience. He is currently with Ameriprise and has previously worked at WCG Wealth Advisors, LPL Financial, Bank of America, and Merrill. Outside of his advisory role, he serves as Vice President of the San Diego - Imperial Counties Kids Wrestling Association and as Kids Director for California USA Wrestling, Inc. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored recommendations through a centralized consulting team.

Stephen Gurley is a financial advisor at Morgan Stanley with 39 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Gurley holds Series 63 and Series 65 licenses. 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 using structured discovery and firm-approved tools.

William Tychsen II is a financial advisor at OSAIC with over 31 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at several firms including First Tech Federal Credit Union and Addison Avenue Investment Services. Tychsen is also the CEO of Tychsen Advisory Group, where he provides financial advice. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment process that emphasizes portfolio optimization and risk management.

Christopher Szot is a financial advisor with Wells Fargo Advisors who holds the ChFC® designation and has 21 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Szot owns Crown Wealth Management, LLC, an investment-related business based in Vista, California. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services. The firm’s approach includes tailored recommendations based on Wells Fargo research and planning tools, with services designed to address various financial planning needs, including niche areas such as business-owner transition and special-needs planning.

Kenneth Patterson Jr. is a CFP® and Series 66 credentialed financial advisor with Edward Jones, where he has worked since 2008. He has 17 years of industry experience. Outside of his advisory role, he serves as a head official and assists in training novice referees for adult recreational sports. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management, offering a range of discretionary and non-discretionary investment strategies and affiliated financial products through a large network of advisors and branch offices.

Steven Lerner is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and over 21 years of industry experience. He has worked at LPL Financial since 2004, with prior roles at Cetera Advisor Networks LLC, CWM, LLC, and Nautica Wealth Advisors. 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 portfolios, third-party asset management, and institutional platforms, supported by a network of more than 22,800 advisors.

Douglas Cole is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at SagePoint Financial, Inc., OSAIC Services, Inc., Cole Financial, LLC, and Sentra Securities Corporation. 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 access, and participant-level retirement advice, supported by a network of over 22,800 advisors.

Gary Glockzin is a CFP® professional affiliated with LPL Financial, based in San Diego, CA, with 40 years of industry experience. He worked for Crown Capital Securities, L.P. for 25 years before joining LPL Financial in 2024. In addition to his advisory role, he is a licensed real estate agent involved in mortgage and real estate services. 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 and access to model portfolios and third-party asset managers, with a focus on both discretionary and non-discretionary strategies.

Benjamin Kingsley is a CFP® professional with 11 years of industry experience, currently serving as a financial advisor at UBS Financial Services since 2019. Prior to joining UBS, he worked at Mercer Global Advisors Inc. from 2015 to 2019. He is a member of the board of directors for The Anza Borrego Foundation, where he advises on financial decisions and supports advocacy for the state park. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing model-based asset allocations and proprietary research to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, providing a wide range of capital markets and advisory solutions.

Justin Mc Donald is a CFP® professional with nine years of industry experience, currently serving at Charles Schwab in Carlsbad, CA. He has been with Charles Schwab Bank SSB since 2017 and with Charles Schwab since 2016. Charles Schwab & Co., Inc. provides wealth management services mainly to high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management alongside brokerage, custody, and financial planning services. The firm is notable for its scale, integrated structure, and use of multi-asset model portfolios supported by centralized operational and supervisory resources.

David Menashe is a financial advisor with Merrill in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated and Bank of America since 2009. 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, pension and profit-sharing plans, corporations, and charitable organizations.