Ekaterina Predeina is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and eight years of industry experience. She has worked at Wells Fargo Clearing and Morgan Stanley, and she is also the sole proprietor of Allure Beauties, a business focused on sales, marketing, and customer service. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in an IPS-driven process and modern portfolio theory. The firm’s offerings include a broad range of investment options, including insurance-related products and bank deposit sweep programs.

Leslee Armstrong is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 24 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Sarah Herrington is a financial advisor with LPL Financial in San Diego, CA. She holds the Series 66 designation and has 11 years of industry experience, having been with LPL Financial since 2011. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Devin Berkowitz is a financial advisor at Charles Schwab with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Fidelity Investments, 49 Wealth Management, and Purshe Kaplan Sterling Investments. Outside of finance, he has experience in sports and education, including roles with the Las Vegas Raiders and Boise State University. 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 and financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset investment approach and extensive operational infrastructure.

Jose Garcia is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and with 9 years of industry experience. He has been with LPL Financial since 2007. 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 services including financial planning, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors and more than $819 billion in discretionary assets.

David Kelter is a Series 63-registered financial advisor with Ameriprise in Encinitas, CA, with 31 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 13 years before joining Ameriprise in 2022. Ameriprise provides a retirement-income planning service tailored to individuals approaching or in retirement, typically those with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Kimberly Guha is a CFP® and holds a Series 66 license with 10 years of experience in the financial services industry. She has worked at UBS Financial Services for 10 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2025. She is based in San Diego, CA. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning that incorporates structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Leila Castaneda is a financial advisor at RBC Capital Markets with eight years of industry experience. She previously worked at UBS for eight years and Rincon Technology, Inc for seven years. Outside of her advisory role, she is the founder and CEO of Screen Free Kids, a private company focused on educating parents about the effects of screen time on children through community events and speaking engagements. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Jacob Mahony is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Arup and Atrendia ApS, and he has been with Morgan Stanley since 2020, including the Morgan Stanley Private Bank since 2024. Outside of his advisory work, he is involved with Happening Times LLC, a restaurant and nightlife business based in San Diego. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning using firm-approved tools and strategies.

Murray Hougen is a financial advisor with LPL Financial in San Diego, CA, holding the CFP® and ChFC® designations and over 20 years of industry experience. His prior roles include positions at Waddell & Reed, Inc. and various insurance carriers. He also serves as co-trustee of the Murray & Elizabeth Hougen Family Trust. 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 portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Britney Lundgren is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 10 years of industry experience. Her career includes seven years at Wells Fargo Clearing and additional roles within Wells Fargo affiliates. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Saul Juarez is a financial advisor at LPL Financial with 13 years of industry experience and holds a Series 66 designation. His prior experience includes roles at Allstate Financial Services, CUNA Brokerage Services, J.P. Morgan Securities, and Merrill. He also operated a mortgage business under Saul Juarez/Platinum Mortgage from 2023 to 2025. 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 model portfolio programs, supported by technology tools and a diverse platform of investment options.

Robbin Preciado is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. Prior to joining LPL Financial in 2025, Robbin worked at Unionbanc Investment Services and Union Bank from 2010 to 2023, and Wells Fargo Investments from 2005 to 2010. 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 such as the Bank Wealth Program.

Jared Hegardt is a Senior Financial Advisor at Merrill Lynch Wealth Management, joining the Hegardt, Steelman, Carroll & Associates team in 2019. His professional experience includes roles in finance at AEG Facilities, a major owner and operator of sports and music venues, and sales development at OneRent Inc., a Silicon Valley property management startup integrating technology into tenant and landlord experiences. Jared holds a Bachelor's Degree in Finance from Santa Clara University, where he also played Division I soccer, and a Master's Degree in Finance from the University of San Diego. He has earned the Personal Investment Advisor (PIA) designation. A native of San Diego, Jared is involved in his community through volunteer work with Make-a-Wish San Diego. His personal interests include soccer, hiking, and skiing in California.

Gina Wu is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2015 to 2020. Wu holds a real estate license in California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Steven Finley is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2014. Outside of his advisory role, he is involved in several baseball-related activities, including consulting for the San Diego Padres, teaching at Major League Baseball camps internationally, and broadcasting for Fox Sports San Diego. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured financial planning process supported by firm-approved tools and offers both direct and employer-based financial planning solutions.

Devon Hawley is a Series 66 licensed advisor with Merrill, based in Rancho Santa Fe, CA, and has seven years of industry experience. His prior roles include positions at the University of San Diego and the California Innocence Project. He serves as a trustee for a private trust. 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 investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Huy Nguyen is a Series 66 licensed financial advisor with 19 years of industry experience, currently associated with LPL Financial in San Diego, CA. His career includes roles at Girard Securities, First Allied Advisory Services, and Cetera Advisor Networks prior to joining LPL Financial. 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 financial planning and advisory services through a large network of investment adviser representatives, utilizing model portfolios, third-party subadvisors, and customized strategies.

Danielle Vigneault is a financial advisor with LPL Financial, holding a Series 66 designation and nine years of industry experience. She has worked at Ameriprise Financial Services and Merrill prior to joining LPL. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers various investment solutions including financial planning, model portfolio programs, and institutional platforms, supporting its network of over 22,800 advisors.

Paulina Morales is a Series 66-credentialed financial advisor with 21 years of experience, currently affiliated with LPL Financial in San Diego, CA. She has worked at Linsco/Private Ledger since 2005. In addition to her advisory role, she holds a notary public license in California and provides notary services to both clients and non-clients. 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 advanced operational and research tools.