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®-certified financial advisor with ten years of industry experience, currently with OSAIC since 2025. He previously worked at Lincoln Financial Advisors for nine years. Outside of advisory work, he is also licensed as an insurance agent offering accident and health insurance, disability insurance, fixed/indexed annuities, long-term care insurance, and traditional life insurance products. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform that offers brokerage and advisory services with an emphasis on model-based asset allocation and portfolio optimization.

Laura Smith is a CFP® professional with 29 years of industry experience. She is currently with Wells Fargo Clearing, where she has worked since 2016. Her prior experience includes roles at UBS Financial Services and Citigroup Global Markets. 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 employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

Tanner Curtiss is a Wealth Management Advisor with Merrill Lynch Wealth Management and a third-generation Merrill Advisor, working alongside his father at the Curtiss and Associates group. He helps clients pursue their long-term financial goals through personalized wealth management strategies, drawing on Merrill's investment insights and the banking and lending solutions of Bank of America. His client focus areas include college education planning, legacy planning, personal retirement planning, and retirement income. Before joining the Curtiss and Associates team, Tanner gained experience as a financial analyst at both a local startup and a Fortune 100 technology company. His team emphasizes delivering consistent resources and practical analysis across various industries to help clients achieve financial freedom despite changing environments. Tanner holds a Bachelor's Degree from Tulane University and holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) professional designations. He is involved in professional organizations such as Junto and Startup San Diego. In addition to his professional work, Tanner participates in community volunteering aligned with Merrill's tradition of community service. His personal interests include camping, golfing, hiking, racquetball, running, surfing, tennis, and yoga.

Steven Varghese is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 credential and bringing one year of industry experience. Prior to his current role, he has held several positions including at EagleStone Tax & Wealth Advisors and multiple roles within the University of California, San Diego. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, noted for its Premier Retirement Income service that provides tailored retirement income planning through ongoing advice and written recommendation reports. The firm’s approach integrates proprietary investment research and third-party data within a product ecosystem that includes affiliated sub-advisers and managed accounts.

Waheeda Noor is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 65 and Series 63 licenses and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she serves as treasurer for the San Diego Afghan Refugees Aid Group. 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 employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

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 broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and investment management solutions.

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.

Melissa Mills is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 10 years of industry experience. She has worked at LPL Financial since 2019 and previously held positions at Royal Alliance Associates, INC. and Genovese Burford & Brothers. 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, and institutional platforms, supported by advanced operational and research tools.

Jack Patague Jr. is a financial advisor with LPL Financial in San Diego, CA, holding the Series 63 and Series 66 designations and bringing 18 years of industry experience. Prior to joining LPL Financial in 2021, he worked at Matthew Plocher and Northwestern Mutual Investment Services, LLC from 2014 to 2021. Outside of his advisory role, he is a content creator and streamer for Gold Sparrow Gaming. 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 third-party asset management, supported by a large network of investment adviser representatives.

Ria Gost is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 23 years of industry experience. Her prior roles include positions at Commonwealth Financial Network, SCF Investment Advisors, and Sprott Asset Management USA, among others. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Karlee Johnson is a financial advisor with Charles Schwab in La Jolla, CA, holding a Series 63 designation and 29 years of industry experience. She has worked at Charles Schwab & Co., Inc. since 2003 and at Charles Schwab Bank, SSB since 2005, with prior experience at Morgan Stanley DW Inc. from 1998 to 2003. Charles Schwab & Co., Inc. serves a large client base of primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab offers both non-discretionary and discretionary investment options, supported by a multi-asset model portfolio approach and centralized operational infrastructure.

Andrew Goins is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and 12 years of industry experience. His career includes roles at PFS Investments Inc. and Primerica Financial Services, as well as work with In Home Supportive Services, Uber, and Lyft. He is involved in sales of investment-related products and also engages in part-time referrals for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts under a tiered wrap-fee structure. The firm curates third-party asset managers and retains authority over model availability, using independent due diligence and delegated trading by BNY Mellon Advisors.

Farnaz Tajadod is a financial advisor at Ameriprise in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Ameriprise in 2025, she was with LPL Financial LLC from 2021 to 2025. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement planning, dependable income sources, and tax-aware withdrawal strategies.

Pablo Serna is a financial advisor with LPL Financial, holding Series 63, 65, and 66 licenses and bringing 21 years of industry experience. His prior roles include positions at Silicon Valley Bank, Boston Private Wealth LLC, and Banc of America Investment Services. 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 portfolio programs, third-party asset management, and institutional platforms.

Marianna Sada is a financial advisor at LPL Financial with 26 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Commonwealth Financial Network, Cuso Financial Services, and TD Ameritrade. 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.

Taylor Parrillo is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He has worked at Cetera and its affiliated entities since 2020 and previously at Bayview Asset Management. Parrillo serves on the advisory board of a nonprofit organization at the University of California, Riverside, and is involved in tax preparation services through a separate business. Cetera is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to affiliated and third-party managers.

Charles Kraft III is a financial advisor at Cetera with 33 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at Wells Fargo Clearing and Credit Suisse Securities (USA) LLC. He is also the owner of Kraft Wealth Management, a business operating under the Cetera umbrella. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Zachary Anthony is a financial advisor at Stifel with one year of industry experience. He previously worked at Whole Foods for five years before joining Stifel. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services guided by a proprietary investment methodology developed by its Investment Strategy Group.