David Afzal is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at SagePoint Financial, Inc. and National Planning. Outside of advising, he serves as a board member and Treasurer of the Stonecrest Village Homeowners Association, where he reviews and presents financial statements. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs a range of investment strategies supported by proprietary tools and multiple advisory platforms.

Anthony Baker is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Courtney Breen is a Wealth Management Advisor at Merrill Lynch Wealth Management. She joined Merrill Lynch as an intern in 2017 and started full-time in 2018, working with individuals, families, business owners, and nonprofit organizations to achieve their financial goals. Her approach emphasizes building long-term relationships based on trust, transparency, and understanding her clients' goals and values. Courtney specializes in comprehensive financial planning across various life stages, including wealth accumulation, retirement planning, estate preservation, and legacy planning. She holds several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Certified Financial Planner (CFP), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Additionally, Courtney holds the California Life, Accident & Health license and Series 7 & 66 FINRA registrations. She earned a Bachelor's Degree in Business Administration with an emphasis in Finance from San Diego State University. Born and raised in San Diego, Courtney resides with her fiancé Chris and their rescue dog, Willow. Outside of her professional work, she enjoys boating, camping, hiking, pickleball, skiing, tennis, yoga, traveling, and spending time with her family.

Kristina Lingo is a financial advisor at Cetera with 20 years of industry experience. She holds the Series 66 designation and previously worked at LPL Financial for 22 years before joining Cetera in 2025. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform that includes affiliated and third-party money managers.

Jacqueline Pederson is a financial advisor at Wells Fargo Clearing with four years of industry experience. She holds the Series 66 designation and previously worked at Equitable Advisors. Outside of her advisory roles, she has experience with the Cal Poly Low Income Taxpayer Clinic and California Polytechnic State University. 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 IPS-driven approach incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Bradley Berman is a financial advisor at Edward Jones with 25 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. Prior to joining Edward Jones, he spent 20 years at Reilly Financial Advisors, LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory strategies and investment products supported by a nationwide network of over 23,000 advisors and manages approximately $1.01 trillion in assets under management.

Evan Cantalupo is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at Cetera Investment Services and Foresters Advisory Service. Outside of advisory work, he is active as an Airbnb host. 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 a network of over 22,800 advisors and various operational tools.

Daniel Igartua is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan Chase entities since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis with a centralized due-diligence framework.

Maxwell Mccallop is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. His prior work includes roles at First National Capital and various non-financial positions, such as employment at Tutto Fresco Kitchen & Bar and teaching at Boise State University and Tesoro High School. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction using mutual funds, ETFs, and ETPs.

Caitlyn Reed is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Equitable Advisors in 2021, she held positions at the University of California, Davis, Health Evolution, and Santa Barbara City College. She is also involved with the BNI Networking Group in San Diego. Equitable Advisors serves individual and institutional clients, including high-net-worth individuals and qualified retirement plans, offering financial planning, retirement plan consulting, and asset management programs. The firm utilizes a variety of advisory models and third-party asset managers to deliver personalized investment solutions.

Joubin Rahimi is a financial advisor at Merrill with four years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at East West Bank, Banc of California, and First Foundation Bank. Outside of his advisory role, he manages a rental property through an entity called Innovative Enterprises, Inc. 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.

Brady Foley is a financial advisor at LPL Financial with 27 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2009, previously spending eight years at Raymond James Financial Services and one year at Raymond James Financial. Outside of his advisory role, Foley is involved with Foley Financial Services, Inc., a business entity used for tax and investment purposes. 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 range of services including financial planning, model portfolios, and institutional platforms, with advice delivered by investment adviser representatives who utilize a variety of investment strategies and operational tools.

Gregory Wisniew is a CFP®-designated financial advisor with 28 years of industry experience. He currently works at LPL Financial, having previously served at Lincoln Investment Planning for 10 years and Kestra Investment Services for 13 years. He is based in San Diego, CA. 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 provides advisory and brokerage services through a broad network of representatives, offering financial planning, model portfolios, third-party asset management, and institutional platforms.

Kevin Appelbaum is a financial advisor at OSAIC with 29 years of industry experience. He holds a Series 63 designation and previously worked for Woodbury Financial Services, Inc. for 11 years. His other business activities include selling fixed insurance products and working with long-term care insurance through a sole proprietorship. OSAIC serves a diverse client base, including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory services and utilizes various tools and third-party platforms to construct and manage portfolios across multiple asset classes.

Jeffrey Wilson is a financial advisor at RBC Capital Markets with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at TD Ameritrade and multiple sportfishing-related businesses. Outside of finance, he works as an independent contractor for Uber Eats, delivering food locally. RBC Wealth Management serves a wide range of clients including individuals, institutions, and charitable organizations, offering advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm integrates in-house and third-party investment managers and provides customizable portfolio strategies tailored to clients’ risk profiles.

Benjamin Grad is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. Prior to joining Ameriprise, he worked at First Command Advisory Services and First Command Financial Planning. He is also the owner of SFCS, Inc., a business unrelated to investment activities. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, offering tailored written recommendations on income, Social Security, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support retirement planning, with a focus on assets held in Ameriprise-managed accounts.

Joseph Tacto is a financial advisor with Charles Schwab based in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has worked at Charles Schwab since 2023 and maintains long-term affiliations with New Vision International and A.L. Williams. Outside of finance, he works in retail sales at Nordstrom. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a large, integrated operational structure.

Rob Sanders is the Vice President, Wealth Planner at Fidelity Investments. He has been with Fidelity since 2012, holding various roles including Investment Consultant, Financial Consultant, Investment Solutions Consultant, and currently serving as a Wealth Planner since 2022. His professional experience centers on wealth planning and investment consulting. Rob holds insurance licenses in Arkansas and California. He emphasizes experience, dedication, and integrity in his work, aligning with Fidelity's brand, ethics, and access. Outside of his professional responsibilities, Rob's personal interests include cars, cooking and baking, family activities, parenthood, sailing, and soccer.

Glenn Mosier is a financial advisor at UBS Financial Services with 53 years of industry experience. He has been with UBS since 1983. Mosier serves as an advisory board member for a 501(c)(3) foundation and is a member of the board of directors for a trade or industry association focused on accelerating innovation in the San Diego area. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of capital markets services.

Nicholas Schoettle is a CFA® charterholder and holds a Series 66 license, with four years of experience in the financial services industry. He currently serves as an associate at Schoettle Financial and works with Cetera since 2022. Outside of his advisory role, he is the treasurer for Casa de los Pobres USA, a nonprofit organization based in San Diego. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and retirement services. The firm serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts.