John Ronan IV is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 65 and Series 63 designations and bringing 18 years of industry experience. His prior roles include positions at LPL Financial, Trilogy Capital Inc., Trilogy Financial Services Inc., and National Planning Corporation. Outside of his advisory work, he has experience as an agent in insurance, benefits, and human resources. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management across multiple platforms and provides proprietary model strategies through its Founders Gate Capital brand.

Jacob Kohut is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 licenses and 13 years of industry experience. He previously worked at U.S. Bancorp Investments, JPMorgan Chase Bank, and J.P. Morgan Securities. Outside of his advisory role, he owns and operates a t-shirt company, designing and selling apparel at farmers markets and wholesale. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in modern portfolio theory. The firm includes insurance-related products and bank deposit sweep options within its investment menus, serving a broad range of institutional clients.

Kurt Schleehauf is a Planning Consultant at Fidelity Investments, where he partners with clients to understand their financial situations and collaborates with planning teams to develop financial plans tailored to clients' goals. He has held several roles at Fidelity Investments, including Relationship Manager and Financial Representative, both in 2024. Prior to joining Fidelity, Kurt worked as an Account Specialist at AIG Corebridge Financial from 2017 to 2023. He holds a California Insurance License.

Serena Kim is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and 12 years of industry experience. Her prior experience includes roles at SRK Consulting Services, Dickerson, Word & Brown Health, the CA Health Benefit Exchange, and Prudential Insurance Company of America. She is also the owner of SRK Consulting Services, a marketing and business administrative consulting firm. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable organizations. The firm employs a model-driven investment approach using portfolios developed internally and by third-party strategists, and offers financial planning, access to asset managers, and insurance product facilitation through affiliated entities.

Rachel Currington is a CFP® professional with nine years of industry experience, all with Edward Jones. She is based in Escondido, CA and has been with Edward Jones since 2015. Outside of advisory work, she owns a graphic design hobby business called Doodleoo, which provides custom items to schools and non-profits. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a broad range of advisory services supported by a large network of financial advisors and branch offices nationwide.

Sydney Jang is a financial advisor at UBS Financial Services with one year of industry experience. They hold a Series 66 designation and have held positions at UBS Financial Services and the University of California, San Diego Economics Department. Sydney was also involved with the UCSD Student Sustainability Collective during their time at the university. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research to tailor investment plans to client goals and risk tolerances.

Mica Lam is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 26 years of industry experience. Prior to joining UBS in 2021, Lam held roles at First Republic Securities Company, LLC, First Republic Investment Management, Inc., Bank of America, N.A., and Merrill. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans and provides a broad range of capital markets services.

Theresa Houle is a financial advisor with LPL Financial in Del Mar, CA, holding Series 63 and Series 65 credentials and seven years of industry experience. Her prior experience includes roles at PlanMember Securities Corporation and CalPro Network Financial Services, as well as operating as a self-employed advisor since 2015. She also owns a non-investment business entity, Franklin Marie Financial, for tax and investment purposes. 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 and access to third-party asset managers, and supports its advisors with research tools while overseeing over $819 billion in discretionary assets.

Lisa Pacheco is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role she has held since 2018. She works closely with women business owners, corporate executives, and individuals experiencing significant financial transitions such as retirement, divorce, career changes, or the loss of a spouse. Lisa specializes in creating customized wealth management, retirement, education, and investment strategies to help her clients preserve, manage, and grow their wealth over time. With over 20 years of experience in financial services, Lisa previously spent 14 years in corporate management and financial consulting. She holds the CERTIFIED FINANCIAL PLANNER® certification, the Certified Divorce Financial Analyst® (CDFA®) designation, and the Personal Investment Advisor (PIA) designation. Lisa earned a Bachelor of Science degree in Management Science from the University of California, San Diego, and an MBA from the University of California, Irvine's Paul Merage School of Business. Outside of her professional responsibilities, Lisa enjoys spending time with her family, attending her son’s soccer games, participating in women's business organizations, playing soccer, mountain biking, and traveling. She is also involved with community organizations such as Guide Dogs of the Desert, Paul Merage School of Business, and Poinsettia Elementary.

Thomas Stout is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 credentials and 19 years of industry experience. His prior experience includes roles at Navy Federal Brokerage Services, California Credit Union, and Comerica Securities. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides annual retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Saba Solomon is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds a Series 66 designation and has worked at several firms including UBS Financial Services, First Republic Bank, and Wells Fargo. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research to build model asset allocations and incorporates an ESG eligibility framework.

Alejandro Sardon is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has prior experience at First Citizens Bank and the Vienna University of Economics and Business. Merrill, along 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Mark Kohn is a financial advisor with LPL Financial based in Carlsbad, CA, holding a Series 63 designation and over 34 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 1997. Outside of investment advising, he is involved in non-variable insurance through Kohn Wealth Management and as an insurance agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and participant-level retirement advice, supported by technology tools and a broad network of over 22,800 advisors.

Ronald Thomas is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2013 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutions. The firm offers tailored financial planning services supported by structured discovery and advanced planning tools, managing approximately $2.74 trillion in client assets.

Huiling Zhang is a financial advisor at Morgan Stanley with a Series 66 credential and one year of experience at the firm. Prior to joining Morgan Stanley in 2025, Zhang was with Zenth View Inc for six years. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and firm-approved planning tools to support clients in developing and implementing financial plans.

Debra Avina is a financial advisor at UBS Financial Services with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley Smith Barney and Morgan Stanley & Co. Incorporated. She is based in San Diego, CA. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services. The firm integrates proprietary research and model-based asset allocations to tailor client plans and combines institutional trading capabilities with wealth management.

Karim Gadalla is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 66 and Series 63 licenses. His prior work experience includes roles at TD Ameritrade, Doordash, Caliclean, ESERP Business School, and Careem. Charles Schwab & Co., Inc. serves a large client base, 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 combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Chelsea Bullen is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. She has held roles at Voyager Wealth Advisors and Raymond James Financial Services, Inc. since 2026. Outside of her advisory work, she has been involved with SpotOn since 2017. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting supported by analytical tools and also provides specialized services such as municipal advisory work and SIMPLE IRA Employer Advisory & Consulting Services.

Douglas Peart is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2016. Prior to that, he was with Prudential Equity Group, LLC for six years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets. The firm provides a range of brokerage and advisory solutions and employs research-driven investment evaluation methods.

Stephen Anderson is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior work includes positions at Fsc Securities Corp and OSAIC Services, Inc. Anderson is also the owner and president of Anderson Wealth Management Corp, a firm providing tax and legal liability services. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through various platforms and proprietary model strategies.