Gabriel Ruz is a Series 66-credentialed financial advisor at Edward Jones with seven years of industry experience. He has worked at Edward Jones since 2019 and previously held positions at Tesla Inc and Solar City. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment and advisory solutions, supported by a nationwide network of more than 23,000 financial advisors. The firm manages over $1 trillion in assets and offers discretionary and non-discretionary strategies, separately managed accounts, affiliated mutual funds, and other financial services.

Christopher Ouimet is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked with various Cetera entities since 2019 and was previously associated with Foresters Financial Services. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with diverse investment program options.

Jennifer Appel is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and eight years of industry experience. She has been with LPL Financial since 2016. Jennifer is also involved with McKenna Financial, a business entity related to her LPL activities. 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, third-party asset management, and institutional platforms, utilizing various investment strategies and technology tools to support advisors.

William Mc Gowan is a financial advisor at Charles Schwab with seven years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. since 2019 and Charles Schwab Bank, SSB since 2020. Prior to his financial services career, he held positions at P&G, Macy’s Inc., and Indiana University. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management solutions. The firm is notable for its large scale, integrated structure, and combination of advisory, brokerage, custody, and cash-sweep services.

Tom Gengler is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, and Customer Relationship Advocate. Prior to joining Fidelity, he worked as an Internal Wholesaler at American Funds Distributors and held positions at Janus Capital and Oppenheimer Funds. Tom holds a California Insurance License. His approach centers on gaining a thorough understanding of clients' personal and financial priorities, assessing their risk tolerance, and creating customized plans to help achieve their goals. Outside of his professional work, Tom enjoys activities such as golf, traveling, outdoor adventures, spending time at the beach, exploring culinary experiences, and cars.

Jason Lavely is a CFP® and holds a Series 66 license, with 11 years of experience in the financial industry. He has been with Edward Jones since 2015, working out of San Diego, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Rene Gonzalez is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has previously worked at Bank of America, N.A. and Lending Club. Merrill, along 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 for a range of clients, including individuals, high-net-worth clients, and pension plans.

David Loughlin is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2011. He has been with Fidelity Investments since 2009, progressing through roles including Financial Consultant, Investment Representative, and Financial Representative. Prior to joining Fidelity, he served as AVP, Financial Advisor at Banc of America Investment Services from 2007 to 2009, and held financial advisor roles at TD Ameritrade, Inc. and AXA Advisors, LLC. With over two decades of experience in financial planning, David has worked with a diverse range of clients to develop, implement, and maintain long-term financial plans. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional work, David enjoys baseball, football, golf, puzzles, reading, and traveling.

Trent Seybold is a CFP® and CFA® with seven years of experience in the financial services industry. He is currently affiliated with LPL Financial and has previously worked with OSAIC, FSC Securities Corporation, and Marangola Financial Group. Outside of his advisory role, he has experience in tax preparation and insurance sales through Marangola Financial Group. 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 model portfolio programs, supported by a broad platform of technology and affiliated financial services.

Simon Petro is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2018. Outside of his advisory role, he has been involved with Access Destination Services since 2015 and previously worked in event production at SD Event Production. 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, including tailored financial planning that utilizes firm-approved tools and modeling techniques.

Torrey Olson is a financial advisor with Ameriprise in San Marcos, CA. He holds a Series 66 designation and has recent experience at Ameriprise beginning in 2026. Prior to his advisory role, Olson worked at California State University San Marcos and Academy of Art University. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, supported by a centralized consulting team and algorithmic automation overseen by a Retirement Income Oversight Committee.

Ronnie Sanchez is a financial advisor at LPL Financial with 18 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Lucia Securities, LLC and RJL Wealth Management, LLC. 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 advisory services including financial planning, model portfolios, and institutional platforms, supporting advisors with research and operational tools.

Eugene Berg is a financial advisor at LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses with 25 years of industry experience. He has been with LPL Financial since 2005. 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, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Jason Mango is a financial advisor at LPL Financial in San Diego, California, holding a Series 66 designation with seven years of industry experience. He has worked with LPL Financial since 2015. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm supports its network of over 22,800 advisors with a range of offerings including financial planning, third-party asset management, model portfolios, and institutional platforms.

Ekaterina Predeina is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and eight years of industry experience. She has worked at Wells Fargo Clearing and Morgan Stanley, and she is also the sole proprietor of Allure Beauties, a business focused on sales, marketing, and customer service. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in an IPS-driven process and modern portfolio theory. The firm’s offerings include a broad range of investment options, including insurance-related products and bank deposit sweep programs.

Sarah Herrington is a financial advisor with LPL Financial in San Diego, CA. She holds the Series 66 designation and has 11 years of industry experience, having been with LPL Financial since 2011. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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.

Devin Berkowitz is a financial advisor at Charles Schwab with Series 63 and Series 65 licenses and four years of industry experience. His prior roles include positions at Fidelity Investments, 49 Wealth Management, and Purshe Kaplan Sterling Investments. Outside of financial services, he worked with the Las Vegas Raiders and taught at Boise State University. 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 discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized operational and custody infrastructure.

Washington Nabong is a financial advisor with J.P. Morgan Securities based in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also has a background at JPMorgan Chase Bank, N.A. since 2008. Outside of his advisory role, he is an owner and partner of Posh Living and Housing Services, a real estate business he manages with his husband. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research methods.

Jose Garcia is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and with 9 years of industry experience. He has been with LPL Financial since 2007. 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 services including financial planning, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors and more than $819 billion in discretionary assets.

David Kelter is a financial advisor with Ameriprise in San Diego, CA, holding a Series 63 designation and 32 years of industry experience. His prior work includes 11 years at A. G. Edwards & Sons, Inc. and six years at Wells Fargo Clearing. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement. The firm’s approach combines investment research and algorithmic tools to provide personalized, non-discretionary recommendations within an investment universe shaped by affiliated product relationships.