Zachary Hansen is a financial advisor at Fidelity with Series 65 and Series 66 designations and seven years of industry experience. He previously worked at JP Morgan Securities LLC and JP Morgan Chase Bank. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe. The firm is notable for its use of systematic methodologies, AI-driven research, and formal advisory roles to multiple registered investment companies.

Evan Gaspar is a financial advisor at Fidelity with Series 65 and Series 63 licenses and three years of industry experience. His prior work includes roles at Torrey Holistics Inc., Ridgewells Catering, Shack Bar & Grill, Dick's Sporting Goods, and service in the United States Marine Corps. He also worked at California State University San Marcos. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including model portfolio construction based on proprietary fundamental research, quantitative analysis, and algorithmic methodologies. The firm serves multiple registered investment companies and employs systematic, long-term asset allocation strategies.

Dax Fletcher is a Series 66-licensed financial advisor with Morgan Stanley in La Jolla, CA, bringing 24 years of industry experience. He has been with Morgan Stanley and its affiliates since 2009, including his current role at Morgan Stanley Private Bank since 2015. Outside of his advisory work, he is a sole proprietor of a real estate rental business in Carlsbad, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services that incorporate firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Jane Braun is a CFP® professional with 39 years of experience in financial advising. She is currently with LPL Financial and has previously worked at firms including Commonwealth Financial Network and Manning Wealth Management, where she held a principal role. Outside of her advisory duties, she is president of Crown Financial Planning Corporation, an S-corporation facilitating securities firm activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives serving individuals, retirement plans, banks, and institutions. The firm offers a variety of investment programs and utilizes a wide range of strategies implemented by advisors, supported by advanced tools and a broad non-advisory financial services platform.

Ryan Green is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds a Series 66 designation and has been with UBS since 2013. Outside of his advisory role, he is also a commissioned Notary Public in San Diego, California. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Brian Young is a Series 66-credentialed financial advisor with 17 years of industry experience. He has been with UBS Financial Services Inc. in San Diego, CA, since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through 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 and model-based asset allocations to tailor client plans.

Kurt Spackman is a CFP® professional with 13 years of experience in the financial industry. He currently works with LPL Financial and has previously been associated with Securities America Advisors, Securities America, Capital Resource Management, and National Planning Corporation. 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 broad range of advisory and brokerage services, utilizing various investment strategies and technology tools, and supports a large network of over 22,800 advisors.

Douglas Kincart is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 27 years of industry experience. He has worked at UBS since 2010. Outside of his advisory role, he serves as a trustee assisting with real estate decisions for a family trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

David Reiss is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 28 years of industry experience. He has been with Wells Fargo Clearing since 2016, working out of La Jolla, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Jonathan Bobolia is a financial advisor at OSAIC with 46 years of industry experience. He holds a Series 63 designation and previously worked at FSC Securities Corporation for 28 years before joining OSAIC in 2023. Outside of advising, he is involved in a small business renting a room to a foreign exchange student. OSAIC serves a diverse client base, including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach with portfolio optimization and risk management tools, supporting a variety of account types and third-party managers.

Andrew Rose is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He collaborates with individuals and families to develop personalized wealth plans aimed at helping clients achieve their own definitions of financial success. Andrew has been with Fidelity Investments since 2015, progressing through various positions including Financial Consultant, Investment Consultant, Private Client Group Relationship Manager, International Trader, and High Net Worth Representative. His experience encompasses investment consulting and relationship management within diverse client segments. He holds a California Insurance License. Outside of his professional work, Andrew has interests in food, football, hiking, and traveling.

Garrett Merrill is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has worked at multiple Cetera entities since 2020 and previously spent eight years with First Allied Advisory Services. Outside of his advisory role, Merrill serves as an elder at Christ Presbyterian Church and is the committee chair for Boy Scout Troop 709. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining affiliated and third-party managers to provide tailored investment solutions.

Christopher Radici is a financial advisor with UBS Financial Services in La Jolla, CA, holding Series 63 and Series 65 designations and 28 years of industry experience. He has been with UBS since 2009. Outside of his advisory role, Radici is a proprietor of a real estate business in Mesa, AZ. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining wealth management with institutional trading capabilities and offering a range of financial planning and portfolio management solutions.

Heather Nicholas is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and over 25 years of industry experience. She previously worked at Commonwealth Financial Network, Manning Wealth Management, OneAmerica Securities, American United Life, and U.S. Bancorp Advisors. In addition to her advisory role, she is involved with The Manning Companies, providing fixed insurance sales and client insurance education as part of financial planning. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm provides tailored, non-discretionary planning using risk profiling and modeling tools, supports municipal and public-finance work, and offers specialized advisory programs including SIMPLE IRA Employer Advisory & Consulting Services.

Kharli Brockmeier is a financial advisor at Fidelity with Series 63 and Series 65 credentials and four years of industry experience. Prior to joining Fidelity, Kharli worked at the University of New Mexico for seven years. Outside of advising, Kharli operates an Etsy shop selling jellyfish umbrellas and serves as communications lead for Collaborative Women in Investment Management, producing their weekly and monthly newsletters. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, using a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios composed of mutual funds, ETFs, and ETPs.

Omar Sakr is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. He has been with J.P. Morgan Securities since 2020 and has also worked at JPMorgan Chase Bank and Macy’s. 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. The firm’s advisory process combines quantitative screening, qualitative research, and forward-looking capital market assumptions to develop model asset allocations.

Kyle Uthe is a CFP®-certified financial advisor with 15 years of industry experience, currently affiliated with Morgan Stanley in La Jolla, CA. He has worked at Morgan Stanley Private Bank and Morgan Stanley since 2019, following four years at UBS Financial Services. Uthe is involved with the Monarch School of San Diego outside of his advisory role. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a range of advisory programs. The firm employs a structured planning process and utilizes various modeling tools to assist clients, managing approximately $2.74 trillion in client assets.

Kiley Grunstad is a financial advisor at Edward Jones with 19 years of industry experience. She has held her current position at Edward Jones since 2006. Outside of her advisory role, she is involved in the pyrotechnics business as president of KG Pyro LLC and works as a pyrotechnician, scripting fireworks displays. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Michael Lawrence is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. He is based in San Diego, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools to support financial planning.

Lindsay Medland is a financial advisor at Cambridge Investment Research Advisors with Series 63 and Series 65 credentials. Medland has one year of industry experience and previously held roles at State Farm VP Management Corp and Zach Bay Insurance Agency. Cambridge Investment Research Advisors serves a diverse range of individual and institutional clients, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a network of thousands of financial professionals. The firm manages a multi-billion dollar asset base and operates multiple investment platforms while providing access to third-party advisers and proprietary model strategies.