Ryan Scherer is a financial advisor with Cetera in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. He has been affiliated with multiple Cetera entities since 2018 and previously worked at Scottrade and Wells Fargo Clearing. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform that supports model portfolios, third-party managers, and customized strategies.

Selena Valencia is a Wealth Management Planning Consultant at Fidelity Investments, a role she has held since 2025. She has been with Fidelity Investments since 2018, progressing through various positions including Planning Consultant, Relationship Manager, Financial Representative, and Customer Experience Associate. Throughout her career, Selena focuses on helping families with their unique goals and strategies, emphasizing trust and honesty in her professional approach. She holds a California Insurance License. Outside of her professional work, Selena has interests that include attending concerts, outdoor adventures, spending time with pets, traveling, and practicing yoga.

Virginia Lawrence is a financial advisor at Morgan Stanley with 23 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and holds Series 63 and Series 66 licenses. 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 customized financial planning supported by structured discovery and advanced modeling tools.

Cameron Henderson is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides financial guidance and support to clients, helping them manage their wealth and achieve their financial objectives. Cameron Henderson holds a Bachelor's Degree from San Diego State University.

Charles Russell is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2024, he worked at Bank of America and Merrill. He also co-founded Mantra Yoga, Inc., a venture outside the financial sector. 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.

Carlos Alonso is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2010. Outside of his advisory role, he is a trustee of a family living trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Vincent Croom is a CFP® professional with 22 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2012. He operates a personal finance blog called The Financial Effect, where he is CEO and co-hosts related events. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, employing a range of investment strategies across multiple platforms.

Cristina Jimenez is an Investment Consultant currently working at Fidelity Investments since 2025. She focuses on helping clients make informed financial decisions through planning-focused conversations aimed at defining their goals and creating tailored strategies. Her professional experience includes roles as a Financial Advisor at Aurora Wealth Advisors from 2020 to 2025 and as a Paraplanner at Ameriprise from 2012 to 2020. Cristina holds a California Insurance License. Outside of her professional work, Cristina has personal interests that include baseball, cooking and baking, family activities, outdoor adventures, running, and traveling.

Bradley Schluter is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His prior roles include work at Angel Oak Capital Advisors and TD Ameritrade. 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 combination of non-discretionary advisory relationships and access to discretionary separately managed accounts supported by multi-asset model portfolios and centralized custody and operational services.

Ivan Schleder is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated firm since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Elia Mora is a Series 66 licensed financial advisor with nine years of industry experience, currently with Morgan Stanley in La Jolla, CA. Prior to joining Morgan Stanley in 2024, Mora worked at Merrill Lynch for twelve years and at American International Enterprises Inc DBA SD Commercial for five years. Outside of advisory work, Mora is a sole proprietor involved in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and economic modeling to support its financial planning services.

Matthew Nakamura is a financial advisor with Cetera who holds a Series 66 designation and has 20 years of industry experience. His prior work includes roles at M Holdings Securities and Commonwealth Financial Network. Outside of his advisory work, he owns a condominium in San Diego that is managed as a rental property. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, utilizing multiple program structures and a multi-manager platform.

Michael Spadea is a financial advisor at Morgan Stanley in La Jolla, CA, with one year of industry experience. He holds the Series 65 and Series 66 designations and has previously worked at Keller Williams and Epic Financial Strategies. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs and tailored financial planning using structured discovery conversations and firm-approved tools.

Iain Reilly is a CFP® professional affiliated with Cetera, holding Series 63 and Series 65 licenses, with 34 years of industry experience. He has been with Cetera in various capacities since 2013. Outside of his advisory role, he is involved in tax preparation and research through Telesis Tax and Financial. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm provides diverse portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party managers, supporting discretionary and non-discretionary account structures.

Jessica Konig is a financial advisor with LPL Financial based in La Jolla, CA. She holds a Series 66 designation and has experience in various roles including positions at GameStop and Symbio Financial Partners, as well as teaching roles at several educational institutions. 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 large network of investment adviser representatives.

Rachel Paulin is a financial advisor with RBC Capital Markets in San Diego, CA. She holds Series 63 and Series 65 designations and has 46 years of industry experience. She has been with RBC Capital Markets since 2014. 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 variety of wrap fee advisory programs with tailored strategies, combining in-house and third-party managers to provide discretionary and non-discretionary portfolio management and related financial services.

David Wiley is a Series 66-licensed financial advisor with LPL Financial, bringing three years of industry experience. He previously worked at Wells Fargo Advisors and SharesPost Inc., and held roles at the University of San Diego and De La Salle High School. Wiley is also involved with Advisors Choice Insurance Brokerage Services in a non-variable insurance capacity. 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, supported by a large network of over 22,800 advisors and advanced operational tools.

Matthew Behrendt is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2023. His prior roles include positions at LPL Financial, Commonwealth Financial Network, Aston Carter, Independent Capital Management, and Massmutual. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,700 financial advisors.

Lee Fox is a financial advisor at Edward Jones in Coronado, CA, holding a Series 66 designation with six years of industry experience. Prior to joining Edward Jones in 2020, he served 24 years in the United States Navy and has been a pilot for government contract air support since 2019. Outside of his advisory role, he is involved in managing rental properties and operates a sailboat shared among six members. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of financial advisors and branch offices.

Thomas Schoettle Jr. is a CFP®-designated financial advisor with 32 years of industry experience, currently affiliated with Cetera. He has been involved with Cetera and its related entities since 2013 and operates Schoettle Financial, his own financial services business, since 2004. In addition to his advisory work, Mr. Schoettle maintains a law practice as an attorney. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform that incorporates affiliated and third-party model portfolios, with assets under management exceeding $256 billion.