Shawna Partain is a financial advisor at LPL Financial with 25 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Merrill and Muirwood Private Wealth. Shawna is also associated with Mechanics Bank in a financial institution role. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios and research.

Debra Patterson is a financial advisor with Equitable Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and 39 years of industry experience. She has been with Equitable Advisors and its predecessor firm Axa Advisors since 1999. Patterson serves as a board member of the Copley-Price Family YMCA and is board member emeritus of the San Diego Humane Society. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm works through a network of Investment Adviser Representatives offering various advisory models, including third-party asset managers and LPL-sponsored programs.

Roy Woehrman is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with LPL Financial since 2005. Outside of his advisory role, he is a co-owner of a rental property. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm provides a broad range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources.

Tan Nguyen is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and 16 years of industry experience. His prior work includes roles at National Planning Corporation and Trilogy Financial Services. Outside of his advisory role, he is also an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base—including individuals, pension plans, charitable organizations, and trusts—offering financial planning, investment management, and retirement advisory services through a network of independent financial professionals. The firm provides multiple investment platforms and proprietary strategies, with both discretionary and non-discretionary management tailored to client objectives.

Kaseem Wisdom is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and eight years of industry experience. He previously worked at TD Ameritrade and Scottrade before joining Charles Schwab and Co., Inc. and Charles Schwab Bank, SSB. 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 guidance and access to discretionary separately managed accounts, using multi-asset model portfolios supported by centralized custody and order-routing systems.

Virginia Panjvani is a financial advisor with Stifel, holding a Series 63 designation and 49 years of industry experience. She has worked at Stifel Nicolaus & Co Inc since 2018 and previously spent 30 years at UBS Financial Services. Based in San Diego, CA, she currently serves clients through Stifel’s platform. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing asset allocation and financial planning analyses that support client decision-making.

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.

Brandon Gill is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 65 and Series 63 licenses and 14 years of industry experience. His prior roles include positions at First Republic Bank and Wells Fargo, as well as involvement with Mission Hills Church Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through a non-discretionary process that incorporates quantitative asset-allocation modeling and centralized due diligence, with an ESG eligibility framework applied in its investment recommendations.

Carla Osbourne is a financial advisor at Stifel with 17 years of industry experience and holds a Series 66 credential. She has worked at Stifel Nicolaus & Co. Inc. since 2015. Outside of her advisory role, she is also a travel advisor and influencer with InteleTravel. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies using forward-looking capital market assumptions and probabilistic modeling to assist clients in asset allocation and financial planning.

Jack Fox is a financial advisor with Ameriprise in Solana Beach, CA, holding Series 66 and Series 63 credentials and four years of industry experience. Prior to joining Ameriprise, he worked for Northwestern Mutual Wealth Management Company and its affiliated entities from 2021 to 2024. Outside of his advisory roles, he was involved with entrepreneurial ventures including Jack Fox Forager from 2003 to 2021. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and annual retirement-income planning advice focused on income sources and tax-aware withdrawal strategies.

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.

Nicola Vincent is a financial advisor with Mass Mutual Investors Services based in Encinitas, CA. She holds Series 63 and Series 65 licenses and has one year of industry experience. Her prior work includes roles at Northwestern Mutual and VIP Remote Health. Mass Mutual Investors Services, LLC is a subsidiary of MassMutual that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements utilizing firm-approved software and provides specialized programs such as divorce planning and employer-sponsored planning services.

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.

Jean Vincent is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has worked in various capacities within Morgan Stanley since 2004, including positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Morgan Stanley & Co. LLC. 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, managing approximately $2.74 trillion in client assets.

Dustin Rief is a CFP® with 23 years of experience in the financial services industry. He has worked at UBS Financial Services since 2019 and was previously employed at Mercer Global Advisors Inc. from 2016 to 2019. Dustin is based in San Diego, CA, and holds the Series 65 and Series 63 licenses. 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, leveraging proprietary research and model-based asset allocations to tailor strategies to client goals.

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.

Krista Goryl is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo Clearing and its predecessor entities since 2010. Outside of her advisory role, she is a 50% owner of Secrets of Superwomen, LLC, a sports company based in Del Mar, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s IPS-driven advisory process incorporates a broad range of investment products, including insurance-related vehicles and bank deposit sweep options.