Joseph Stenovec is a CFP® with 17 years of industry experience, currently serving as an advisor at LPL Financial. His prior experience includes roles at OSAIC and Lifetime Financial Advisors, Inc. He is also involved with Wealth Manager Group LLC, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of investment solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Michael Mammini is a financial advisor with LPL Financial in Solana Beach, CA, holding the CFP® and Series 63 designations and having 38 years of industry experience. His previous firms include Commonwealth Financial Network, Lincoln Investment, and Capital Analysts, Incorporated. He is also the owner and president of Mammini Properties, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions through a wide range of advisory and brokerage services. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Kristina Walden is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 63 designation and 11 years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2012 and with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions.

John Mc Laughlin is a financial advisor with Cetera in San Marcos, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior experience includes roles at Avantax Investment Services, Equitable Advisors, AXA Advisors, and several other firms. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform that provides access to affiliated and third-party managers across multiple program structures.

Menatalla Nada is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 10 years of industry experience. She has been with Merrill and Bank of America, N.A. since 2016. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Fredrick Wollman is a financial advisor with Cetera, holding the CFP® designation and Series 63 license, with 45 years of industry experience. He has worked at Cetera since 2021 and operated Wollman Wealth Designs, Inc. since 1998. Outside of his advisory work, he serves as chair of the board of trustees for the Ecolife Conservation nonprofit and is president of the Valley Center Trail Association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Anthony Gaines is a financial advisor at Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 credentials with 10 years of industry experience. He has previously worked at firms including JPMorgan Securities LLC, Merrill, and Bank of America, and maintains part-time roles as a driver for ride-share and food delivery services. Wells Fargo Advisors is a large national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm uses research and analytics to evaluate investment options and offers both brokerage and advisory solutions.

Michaela Brickley is a financial advisor with LPL Financial based in San Diego, CA, holding the Series 66 designation and bringing 12 years of industry experience. Her prior roles include positions at Independent Financial Group and Commonwealth Financial Network. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions with a broad range of advisory and brokerage services. The firm supports its network with various investment options and operational tools while maintaining oversight of significant discretionary assets and a large advisor network.

Robert Kinslow is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. He holds a Series 66 designation and has previously worked at Morgan Stanley Private Bank and Morgan Stanley. He is based in La Jolla, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Cassandra Rodriguez is a financial advisor at Wells Fargo Clearing with five years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Clearing since 2019, with prior roles at Citizens Securities, Inc. and CITIZENS Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Veronica Lizeth Montalvo is a financial advisor at UBS Financial Services with 18 years of industry experience. She holds a Series 66 designation and has been with UBS since 2016. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, providing a range of capital markets and research resources.

William Jones is a CFP®-certified financial advisor with 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Citigroup Global Markets and Morgan Stanley Dw Inc. He serves as co-trustee for a family trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, utilizing research and analytics to support diversified investment strategies.

Billy Chu is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, East West Bank, and Wells Fargo Bank, N.A. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, relying on research from Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory.

Sherifa El Mofty is a Wealth Management Advisor at Merrill Lynch Wealth Management and a member of the Mohler Polo Mofty Team. She has been with the firm since 2010 and focuses on client service, relationship management, and retirement income and distribution strategies. Sherifa's approach emphasizes building lifelong relationships with clients based on trust, transparency, and mutual respect. She specializes in providing financial guidance for areas including college education planning, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, socially responsible investing, women and wealth, and individual and corporate investment strategy. Sherifa brings a multi-generational perspective to her practice, aiming to ensure continuity of advice for high-net-worth families. Sherifa holds the Certified Financial Planner (CFP) designation, Certified Divorce Financial Analyst (CDFA) certification, Certified Plan Fiduciary Advisor (CPFA) designation, Personal Investment Advisor (PIA) credential, and Retirement Accredited Financial Advisor (RAFA) credential. She earned a Bachelor of Science degree in Business Administration with an emphasis in Finance from San Diego State University, where she was a Dean's List graduate. Sherifa is fluent in Arabic and English and is involved with Soroptimist International of Oceanside/Carlsbad. Her personal interests include scuba diving, tennis, traveling, and spending time with her family.

Jeffrey Levine is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior work includes nine years at UBS Financial Services and 20 years at Linsco/Private Ledger. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

James Hardifer is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in San Marcos, CA. He has 15 years of industry experience and has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012, following one year at Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Owen Stiefvater is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. His prior roles include positions at Dudm Real Estate Group and ongoing involvement with the San Diego Symphony. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform, supporting discretionary and non-discretionary strategies across diverse program structures.

Colby Shinholser is a financial advisor with LPL Financial based in San Diego, CA. He holds a Series 66 designation and has been working in the industry since 2025. Prior to his advisory role, he has served in the US Navy since 2016. 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, and institutional platforms, with a focus on both discretionary and non-discretionary account management.

George Smith is a CFA® charterholder and holds the Series 63 license, with 12 years of industry experience. He has been with LPL Financial since 2013. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a range of strategic and tactical investment approaches supported by advanced operational tools.

Michael Welch is a financial advisor at Morgan Stanley in San Diego, CA, holding CFP®, Series 63, and Series 65 designations with 25 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers planning services both directly and through Corporate Financial Planning agreements.