Enola Gay Kipte is a Series 66-registered financial advisor with Edward Jones in San Diego, CA, beginning her advisory career in 2025. Her prior experience includes roles at TD Bank N.A., Federal Savings Bank, and Andrews Federal Credit Union. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a nationwide network of financial advisors and branch offices.

John Skoblar is a financial advisor at Fidelity with one year of industry experience and holds the Series 66 designation. His prior work includes roles at Crowe LLC and Cal Poly Associated Students Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe.

Gabriel Ramirez is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes positions at JPMorgan Chase Bank, CEA CAPA, and Signet Strategic Wealth Management, as well as experience outside the financial industry. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan broker-dealer and banking organization.

Daniel Rosen is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he serves as an executor and co-executor for a trust in Massachusetts. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers diverse investment and financial product services through its extensive network.

Brandon Gill is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 65 licenses. His career includes positions at First Republic Bank and Wells Fargo, as well as a role at Mission Hills Church Inc. from 2019 to 2021. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Nicholas Lechuga is a Series 66-licensed financial advisor with Wells Fargo Clearing, based in Oceanside, CA, and has 16 years of industry experience. He has worked at various Wells Fargo entities since 2006, including Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. Outside of his advisory role, he co-owns an online business selling sports equipment, toys, baseball cards, comics, and cars. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment process is IPS-driven and incorporates modern portfolio theory, serving as an ERISA fiduciary and offering a range of financial products including insurance-related vehicles and bank deposit sweep options.

Michael Dose is a financial advisor at Cambridge Investment Research Advisors with 38 years of industry experience. He holds the ChFC® designation and Series 63 license. His prior firms include LPL Financial, Infinity Financial Services, Gradient Securities, Center Street Securities, and Dempsey Lord Smith, LLC. Dose is also involved with The Retirement Strategy Connection, an insurance and benefits agency. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charities, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement advisory services through independent financial professionals using a range of direct and model-based portfolio strategies across various custody platforms.

Keith Dilloway is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 licenses and 23 years of industry experience. His prior roles include positions at Morgan Stanley and Commonwealth Financial Network. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Toby Ferner is a financial advisor with Wells Fargo Clearing in Temecula, CA, holding a Series 66 designation and 24 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2010 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 services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in their investment menus.

Mary Moses is a financial advisor with RBC Capital Markets in La Jolla, CA, holding a Series 66 designation and 17 years of industry experience. She has worked at RBC Capital Markets since 2017 and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Mary serves as Treasurer of the Village Bloom Foundation, a charitable organization. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual, institutional, and charitable clients through various advisory programs. The firm offers tailored portfolio management solutions using both in-house and third-party managers and incorporates features such as tax management, responsible investing, and alternative investments.

William Boggs is a CFP®-designated financial advisor with 19 years of industry experience. He is currently with Wells Fargo Advisors in La Jolla, CA, having joined the firm in 2025. Prior to this, he worked for nine years with Pence Wealth Management Corporation and LPL Financial, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and fee-based financial planning services. The firm provides tailored recommendations supported by internal research and planning tools, covering diverse areas such as retirement, education, and specialized planning for business owners and other niche needs.

Wenduo Guo is a financial advisor at Cambridge Investment Research Advisors with 13 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Cambridge in 2019, he worked at First Command Advisory Services, First Command Financial Planning, Inc., and First Command Insurance Services, Inc. Guo also operates as an independent insurance agent in San Diego. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent professionals, with a range of portfolio management options across multiple platforms and both discretionary and non-discretionary strategies.

Tian Lin is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and two years of industry experience. Prior to joining Charles Schwab, Tian Lin was a homemaker and involved with the Frisco Community Bible Church Christian Preschool. Charles Schwab & Co., Inc. serves a broad client base, primarily high- and ultra-high-net-worth individuals, offering integrated advisory, brokerage, custody, and financial planning services through its Schwab Wealth Advisory program and related managed-account solutions.

Steven Lahre is a financial advisor with RBC Capital Markets in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 46 years of industry experience. He has worked at RBC Capital Markets since 2012 and at City National Bank since 2016. Lahre serves on the board of the San Diego High School Academy of Finance, where he mentors students and provides guidance. RBC Wealth Management, a division of RBC Capital Markets, LLC, offers a range of advisory programs and financial services to individuals, institutions, pension plans, corporations, and charitable organizations. The firm customizes investment strategies based on clients’ risk profiles and utilizes both in-house and third-party managers, with options for tax management and responsible-investing screens.

Luke Ervin is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves as a board member and Treasurer for the La Jolla Golden Triangle Rotary Club Foundation. 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 combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Brian Duckworth is a financial advisor with Equitable Advisors, holding a Series 66 designation and 17 years of industry experience. His prior roles include work at TIAA-CREF from 2016 to 2020 and earlier years at Equitable Advisors from 2009 to 2016. Outside of his advisory work, he serves as a trustee for both an immediate family trust and a personal living trust. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, offering financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives. The firm utilizes a range of advisory models and relies on third-party program sponsors and affiliated asset managers to deliver investment solutions.

Emilia Rivera is a financial advisor at Morgan Stanley with seven years of industry experience. She previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA, and earlier in her career at Skechers U.S.A. She holds the Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, using firm-approved tools and methodologies to support its advisory services.

Caden Kelley is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and six years of industry experience. He has worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank NA since 2021, with prior roles at Bank of America NA and Merrill. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that integrates quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and operates within the broader J.P. Morgan organization, offering access to a wide range of products through its institutional consulting services.

Ryan Rose is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. He is also involved in group insurance through Chubb. LPL Financial is a national broker-dealer and 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 a large network of advisors and various institutional platforms.

Alexander Voils is a financial advisor with Raymond James & Associates in San Diego, CA, holding Series 63 and Series 66 licenses and 18 years of industry experience. His prior roles include nine years with Wells Fargo Clearing and one year with Wells Fargo Advisors, LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and municipal advisory services.