Andrew Hernandez is a financial advisor with Charles Schwab, holding Series 66 and Series 63 licenses with two years of industry experience. His prior roles include positions at TD Ameritrade and Aimloan, and he completed four years of full-time education before entering the financial sector. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 advisory relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and due diligence from its financial research center.

Robert Celeste is a CFP® with 44 years of industry experience, currently serving as a financial advisor at Cetera. He has been with Cetera Wealth Services, LLC since 2013 and transitioned to Cetera in 2023. In addition to his advisory role, he is an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that serves individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Linda James is a financial advisor at LPL Financial based in San Diego, CA, with 26 years of industry experience. Her prior roles include positions at John Aust Real Estate Company, U.S. Bancorp Advisors, Northwestern Mutual Investment Management, and Fidelity. Outside of her advisory work, she is involved in real estate services through Real Broker LLC, assisting clients with buying and selling residential properties. 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 wide range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Nigeena Rahmanzai is a financial advisor with Charles Schwab based in San Diego, CA. She holds the Series 63 and Series 66 designations and has six years of industry experience. Her prior roles include positions at TD Ameritrade and Lexis Nexis. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering bundled advisory, brokerage, and custodial services with both non-discretionary and discretionary investment options.

Roberto Vila is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill, Bank of America, and Morgan Stanley in various roles since 1995. Vila is based in La Jolla, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools.

Jose Ramos is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2008. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement who meet certain asset thresholds, providing detailed, tax-smart withdrawal and Social Security claiming recommendations. The firm combines research, modeling, and algorithmic tools to generate personalized plans delivered through a centralized consulting team.

Rebecca Eastom is a financial advisor at LPL Financial with 14 years of industry experience. She holds a Series 66 designation and has worked at firms including Merrill, Edward Jones, and State Farm VP Management Corp. Eastom has been with LPL Financial in two separate periods totaling over a decade. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and extensive operational resources.

John Ellis is a CFP® professional with 18 years of industry experience, currently serving as an advisor at LPL Financial since 2018. His prior experience includes roles at Lucia Securities, LLC, RJL Wealth Management, LLC, and Raymond J. Lucia Companies, Inc. based in San Diego, CA. Outside of his advisory work, he operates Ellis Financial Group, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of financial planning and advisory services through a large network of representatives. The firm serves individuals, retirement plans, banks, and institutions with diverse investment strategies and integrated financial solutions.

Carolin Botzenhardt is a financial advisor with UBS Financial Services in La Jolla, CA, holding Series 65 and Series 66 licenses and bringing 26 years of industry experience. Her career includes roles at Deutsche Bank and Wells Fargo, spanning over 17 years before joining UBS in 2022. She serves on the finance committee of the Institute of Contemporary Art in San Diego, where she helps manage the organization’s financial health. 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 and utilizing proprietary research and model-based asset allocations to tailor client plans.

Gabrielle Dubick is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and seven years of industry experience. She has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2016. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative screens and qualitative research to develop model asset allocations, incorporating ESG eligibility frameworks and utilizing broader derivatives and commodities capabilities.

Mark Allen is a Planning Consultant within the Wealth Management Team at Fidelity Investments, a role he has held since 2025. He works closely with clients to develop financial strategies tailored to their individual situations, emphasizing trust and openness throughout the process. Prior to this, Mark served as a Relationship Manager at Fidelity Investments from 2024 to 2025 and began his career there as a Financial Representative in 2023. Mark holds a California Insurance License, supporting his expertise in financial planning and client advisory services. Outside of his professional work, he has interests in cars, fitness, gardening, motorcycles, pets, and tennis.

Stephan Kungl is a financial advisor at Merrill with a Series 66 designation and 10 years of industry experience. He has worked at Merrill and Bank of America since 2017 and was previously with Wells Fargo Clearing and Wells Fargo Bank. 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. The firm offers model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Mckenzie is a financial advisor at UBS Financial Services with 24 years of industry experience. He holds the Series 66 designation and has worked at UBS Financial Services since 2017, following a brief period at RBC Capital Markets. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research.

Kha Hoang is a financial advisor at LPL Financial with 10 years of industry experience and holds a Series 66 designation. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Edward Jones. He has a side involvement in real estate rental activities in Lakeside, California. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides financial planning, portfolio management, and institutional platforms to individuals, retirement plans, banks, and trust companies. The firm supports advisors with research, third-party subadvisors, and technological tools while offering an array of non-advisory financial services.

Debora Meskell is a financial advisor at Edward Jones with 14 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2012. Outside of her advisory role, she is a signatory for a real estate holding company involved in building a new office. 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 approximately $1.01 trillion in assets through a large nationwide network of advisors and branch offices, offering a range of advisory and investment solutions under a fiduciary standard.

Jack Plew is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Merrill Lynch and Northwestern Mutual. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and includes broader derivatives and commodities capabilities.

Jeffrey Morgan is a financial advisor at LPL Financial with two years of industry experience. He holds a Series 65 designation and has previously worked at Cetera and Avantax Advisory Services. In addition to his advisory role, he serves as a Tax Manager at Stern, Kory, Sreden and Morgan, an accountancy corporation, where he manages tax preparation, financial statement preparation, and tax planning. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, and institutions. The firm supports its network of over 22,800 advisors with model portfolios, third-party asset management, and a variety of investment strategies across discretionary and non-discretionary accounts.

Dan Surette is a Planning Consultant at Fidelity Investments, where he collaborates closely with Wealth Management Teams to develop and implement financial plans tailored to clients' goals, values, and financial needs. In this role, he partners with advisors to address client priorities throughout their relationship with the team. Dan has been with Fidelity Investments since 2023, progressing through roles including Financial Representative and Relationship Manager before his current position as Planning Consultant. He holds a California Insurance License. Outside of his professional work, Dan enjoys activities such as beach outings, football, golf, movies, snowboarding, and traveling.

Eric Runyon is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 65 and Series 63 licenses and seven years of industry experience. His career includes roles at firms such as JPMorgan Chase Bank, New York Life Insurance Company, and Western & Southern Life. He serves as a volunteer board member for the San Diego Rancho La Cresta Homeowners Association. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to guide portfolio management and offers a range of brokerage and advisory solutions.

Laura Pomeroy is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been in the financial services industry since 1998 and joined Merrill Lynch in 2006. Laura specializes in retirement planning, focusing on creating financial strategies for high-net-worth individuals, their families, and businesses to help them achieve both short- and long-term financial goals. Her approach to wealth management is consultative, involving thorough review of client financial situations, preferences, and objectives; providing tailored asset allocation recommendations; and conducting ongoing discussions on investments, retirement planning, estate services, and philanthropy as appropriate. Laura holds the Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and CERTIFIED FINANCIAL PLANNER (CFP) designations, along with Series 7 and 66 FINRA registrations. She earned a Bachelor of Science degree in History from Brigham Young University. Laura lives in San Diego with her husband, Tim, and their three children. In her personal time, she enjoys cooking, playing pickleball, reading, and spending time with her family.