Monika Windle is a CFP® with 26 years of experience in the financial industry. She is currently with LPL Financial and previously worked at MW Asset Management Inc., Robert J. Woods, Incorporated, and Wamu Investments, Inc. Outside of her advisory work, she provides financial planning and consulting services through her independent firm, Financial Plan Design. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual and institutional clients through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management access, and retirement advice, supported by advanced operational tools and a broad array of affiliated financial activities.

Kevin Mcsweeny is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 23 years of industry experience. His prior roles include positions at Merrill from 2003 to 2012 and Stratos Wealth Partners from 2012 to 2019. He has been with LPL Financial since 2012. 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 and access to third-party asset management, utilizing a variety of investment strategies supported by research and technology tools.

George Smith is a CFA® charterholder and holds the Series 63 license, with 12 years of industry experience. He has been with LPL Financial since 2013. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a range of strategic and tactical investment approaches supported by advanced operational tools.

Michael Welch is a financial advisor at Morgan Stanley in San Diego, CA, holding CFP®, Series 63, and Series 65 designations with 25 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers planning services both directly and through Corporate Financial Planning agreements.

Skip Kelly serves as Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2026. He has extensive experience in the financial services industry, having worked with both institutional and high net-worth clients over several decades. Prior to his current position, he was a Financial Consultant at Fidelity Investments from 2020 to 2026, Vice President at Fisher Investments from 2003 to 2020, and held various Vice President and Senior Financial Consultant roles at Morgan Stanley, Smith Barney, and Merrill Lynch dating back to 1989. Throughout his career, Skip Kelly has focused on building financial relationships grounded in honesty and trust. He emphasizes providing simple, transparent guidance based on evolving financial plans tailored to different life stages. He holds a California Insurance License.

Ryan Domenico is Vice President and Wealth Planner at Fidelity Investments. He has over 10 years of experience working with high net-worth families and institutions, focusing on providing honest and transparent guidance built on trust. Ryan partners with clients to understand their goals and help plan and fortify their financial futures through different stages of life. Prior to his current role, Ryan held various positions including Financial Consultant at Fidelity Investments from 2020 to 2025, Senior Financial Consultant at TD Ameritrade in 2019, Wealth Advisor at Pariax Private Wealth Management in 2019, and several roles at Charles Schwab between 2011 and 2019. He holds a California Insurance License. Outside of his professional work, Ryan has personal interests in fitness, food, golf, hiking, music, and traveling.

Matthew Eovino is a Certified Financial Planner® at J.P. Morgan Securities with 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked concurrently at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling combined with centralized manager due diligence and an ESG eligibility framework. The firm’s advisory services are delivered on a non-discretionary basis by a select group of Wealth Advisors.

Michael Wiley is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. He has been with LPL Financial since 2013, including a brief tenure at Anchor Bay Capital in 2015. 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 a wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by research tools and a broad offering of non-advisory financial products.

Brad Habbestad is a Planning Consultant with Fidelity Investments, where he currently works within the Wealth Management Team. In this role, he focuses on helping clients identify planning strategies tailored to their unique financial situations. Brad's professional background includes experience as a Paraplanner at Ameriprise Financial from 2021 to 2023 and as a Relationship Banker II at JP Morgan Chase from 2017 to 2020. He holds a California Insurance License. Outside of his professional work, Brad engages in activities such as family activities, fitness, playing musical instruments, outdoor adventures, spending time with pets, and running.

Ryan Roche is the Branch Leader at Fidelity Investments, a role he has held since 2025. He focuses on empowering Investor Center associates to engage in meaningful conversations with clients and supports them in developing the skills necessary to assist local families with financial planning. Ryan has accumulated extensive experience within Fidelity Investments, progressing through various positions including Financial Consultant (2022-2025), Planning Consultant (2021-2022), Relationship Manager (2020-2021), Financial Representative (2019-2020), and Investor Center Intern (2018-2019). He holds a California Insurance License. Outside of his professional responsibilities, Ryan enjoys baseball, golf, kayaking, skiing, traveling, and volunteering.

Christian Ng is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and seven years of industry experience. He has been with UBS Financial Services since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and provides research, custody, underwriting, and capital markets services through its platform.

Santiago Huerta is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked with LPL Financial since 2018 and has also been involved with Independent Capital Management since 2013. Prior to LPL, he worked at SagePoint Financial for five years. 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 portfolio programs, and institutional platforms, combining extensive research tools with a broad array of financial services.

Kevin Wilson is a CFA® charterholder with 21 years of industry experience, currently serving as a financial advisor at RBC Capital Markets since 2026. His prior roles include positions at Bank of America from 2021 to 2026 and Columbia Management Advisors, LLC from 2005 to 2021. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to clients’ risk profiles and utilizing both in-house and third-party investment managers.

Peter Falk is a financial advisor at Osaic Wealth, Inc. in La Jolla, CA, with 25 years of industry experience. He holds a Series 66 designation and previously worked for Lincoln Financial Advisors Corp. for 25 years before joining Osaic in 2025. Falk is co-director of education at the nonprofit Scope Institute, which provides educational events for San Diego business owners focused on exit planning strategies. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools, risk-tolerance assessments, and automated rebalancing to build diversified portfolios managed on discretionary or non-discretionary bases.

Patrick Kearney is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his commitment to providing tailored investment guidance. Patrick earned a Bachelor's Degree from San Diego State University. His educational background, combined with his professional experience, supports his role in delivering comprehensive financial advisory services.

Andrew Beckstrand is a financial advisor at Charles Schwab with eight years of industry experience. He holds a Series 66 designation and has previously worked at TD Ameritrade, Fidelity Brokerage Services LLC, Cuso Financial Services, LP, and E*Trade. He is based in San Diego, CA. Charles Schwab & Co., Inc. serves a large client base 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 relationships and access to affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Raquel Fang is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. She has worked at J.P. Morgan Securities and JPMC Bank NA since 2016 and has held roles as a mobile notary and at the Privilege/Momentum Talent Agency. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Mark Yackey is a financial advisor with Charles Schwab, holding a Series 66 designation and over 10 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank SSB since 2015 and 2016, respectively. He is based in La Jolla, CA. 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 client relationship model that combines non-discretionary advisory guidance with access to discretionary separately managed accounts, supported by centralized supervisory, custody, and order-routing systems.

Rita Sanchez is a financial advisor with Morgan Stanley in La Jolla, CA, holding the Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with 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 a structured financial planning process supported by firm-approved tools and modeling techniques.

Saundra Gardner is a Wealth Management Advisor with Merrill Lynch Wealth Management. She has been with Merrill Lynch since 2007, after joining from Smith Barney in Beverly Hills where she served as a Senior Investment Management Consultant. Over her career, she has held various roles including Branch Manager, Licensed Securities Principal, and Registered Investment Advisor in markets such as New York, Chicago, Miami, and Los Angeles. With over 25 years of experience, Saundra specializes in wealth management strategies, including investment consulting for defined contribution plans, employee financial health, legacy planning, managing new wealth, personal retirement planning, portfolio management services, small business strategies, women and wealth, tax minimization, and retirement income. She is a CERTIFIED FINANCIAL PLANNER® certificant and holds additional designations such as CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). As a Senior Portfolio Advisor, Saundra provides traditional advice and also manages custom investment strategies and model portfolios, sometimes on a discretionary basis. Saundra earned a bachelor's degree from New Mexico State University. She participates in community activities including volunteering with Community Church. Her personal interests include biking, gardening, hiking, reading, spending time with family, and traveling.