De Anne Steele is a financial advisor at UBS Financial Services with six years of industry experience. She holds a Series 66 designation and has previously worked at Merrill and Bank of America Private Bank. Steele participates in the San Diego Angel Conference at SDSU and is a member of Wharton Alumni Angels, where she reviews early-stage investment opportunities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, combining institutional trading capabilities with wealth management. The firm offers tailored financial planning and portfolio management based on proprietary research and capital market assumptions.

Douglas Robinson is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. His prior work includes roles at Nanocellect Biomedical Inc and the Institute of Risk and Safety Analyses. 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 recommendations with access to discretionary separately managed accounts and employs multi-asset model portfolios alongside centralized custody and order-routing arrangements.

Thomas Krumenacker is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 63 designation and over 32 years of industry experience. He has been with UBS since 1998. Outside of his advisory role, he is involved with the American Liver Foundation and serves as a patient advocate for the Liver Coalition of San Diego. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor plans for clients. The firm combines institutional trading capabilities with wealth management services, operating in multiple capacities including broker-dealer, investment adviser, and futures commission merchant.

Ronald Sisk is a CFP® with 24 years of industry experience, currently serving at Edelman Financial Engines in San Diego, CA. His prior roles include positions at Financial Engines Advisors L.L.C., EF Legacy Securities, LLC, and Edelman Financial Services LLC. Edelman Financial Engines delivers technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering diversified model portfolios with a long-term investment approach.

Whitney Brillon is a Financial Consultant at Fidelity Investments. In this role, she works closely with clients to develop personalized financial plans that align with their goals and values, aiming to provide a roadmap for achieving financial confidence and peace of mind. She has accumulated extensive experience in the financial services industry, holding multiple positions at Fidelity Investments since 2013, including Financial Representative, Relationship Manager, Investment Consultant, and Vice President, Financial Consultant. Whitney also served as Vice President, Financial Consultant at Charles Schwab from 2022 to 2024 before returning to Fidelity in her current role. Whitney holds a California Insurance License. Outside of her professional work, she enjoys cooking and baking, family activities, exploring food as a foodie, and traveling.

Javier Malfavon is an International Wealth Advisor at Merrill Lynch Wealth Management, where he holds the position of Vice President. He began his career in 2006 at UBS and joined Merrill Lynch Wealth Management in 2010. Javier specializes in areas including Family Wealth Management Strategies, International Wealth Management, Managing New Wealth, Personal Retirement Planning, and Sports & Entertainment. Javier has over 10 years of experience in the financial services industry. He holds FINRA Registrations 7 and 66, as well as a California Insurance License. Additionally, he is a CERTIFIED FINANCIAL PLANNER® certified by the Certified Financial Planner Board of Standards, Inc., and holds the Personal Investment Advisor (PIA) designation. Born in Guadalajara, Mexico, Javier earned a Bachelor's degree in International Business from ITESM, Guadalajara. In 2005, he obtained a Master's degree in Globalization and Development from The University of Warwick in the United Kingdom. He is trilingual, fluent in English, Spanish, and French. Outside of his professional work, Javier's personal interests include hiking, racquetball, soccer, tennis, traveling, and yoga.

Michelle Balatero is a CFP® professional with 16 years of industry experience, currently with LPL Financial since 2021. She previously worked at TD AMERITRADE from 2016 to 2021. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, 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 with discretionary and non-discretionary management options.

Jennifer Kruger is a Certified Financial Planner (CFP®) with over 21 years of industry experience. She is currently with Fidelity Investments, where she has worked since 2006 in various roles including brokerage services and advisory. Jennifer is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund advisory and model portfolios.

Chad Anderson is a financial advisor at Cetera with 20 years of industry experience and holds a Series 66 designation. He has worked at various Cetera entities since 2016 and was previously employed at First Allied Advisory Services, Inc. and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting both discretionary and non-discretionary accounts.

Jessie Deck is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and 16 years of industry experience. She has been with UBS Financial Services since 2006. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and providing research-based, model-driven financial planning and portfolio management.

Kevin Mayer is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He works with a diverse client base, including active and retired physicians and business owners, many of whom are members of the LGBTQ community, across San Diego, California, and over ten other states. His advisory services focus on areas such as corporate benefits, family wealth management strategies, services for defined benefit plans, LGBT wealth planning, personal retirement planning, socially responsible investing, and tax minimization. Kevin holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation, awarded by the Certified Financial Planner Board of Standards, Inc., and is a Personal Investment Advisor (PIA). He earned his Bachelor's degree from the University of Phoenix. Leveraging his banking background and comprehensive expertise, Kevin develops multi-pronged strategies that include risk-managed investing, retirement planning, estate planning, insurance, Social Security and Medicare planning, as well as long-term care considerations. He emphasizes educating clients and works collaboratively to align financial plans with their goals and values. In addition to his professional activities, Kevin is involved with the Financial Planning Association and volunteers for San Diego Pride. He enjoys adventure sports, skiing, spending time with his family, and traveling.

Maria Maldonado is a Series 66-registered financial advisor with UBS Financial Services in San Diego, CA, and has 11 years of industry experience. Her career includes over a decade at UBS, interrupted by a brief tenure at AlphaCore Wealth Advisory. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of capital markets and advisory solutions.

Leo Walker Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for discretionary management and a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Mitra Rafii is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting 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 incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Daniel Fuentes is a Series 66-registered financial advisor with Charles Schwab, based in San Diego, CA, and has two years of industry experience. His prior work includes roles at Mutual of Omaha and Pacific Home Care, as well as five years in full-time education. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios backed by research from the Schwab Center for Financial Research.

David Jones is a Series 66 licensed financial advisor at Edward Jones with 10 years of industry experience. He has been with Edward Jones since 2015, working in El Cajon, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Randy Schechter is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 63 designation and 38 years of industry experience. He has been with Charles Schwab since 1996 and Charles Schwab Bank since 2005. 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, offering both non-discretionary and discretionary investment options within an integrated operational structure.

Steven Simmons is a financial advisor with Osaic Wealth, Inc. in San Diego, CA. He holds Series 63 and Series 65 credentials and has 29 years of industry experience. Prior to joining Osaic in 2023, he worked at AIG Financial Advisors for 21 years. His outside activities include providing estate planning services and mortgage origination loans. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with a focus on asset allocation tools, risk assessment, and a broad range of investment options across multiple platforms.

Rachel Arendt is a financial advisor with UBS Financial Services in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with UBS since 2016. Outside of her advisory work, she owns and manages rental properties. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary research and model-based asset allocations to tailor portfolios. The firm integrates institutional trading capabilities with wealth management, offering a wide range of financial products and services.

Maria Granlund is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services and Morgan Stanley. Outside of her advisory role, she serves as a Notary Public in San Diego County, California. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with a broad range of brokerage and advisory solutions.