Mcrae Kirmse is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and bringing six years of industry experience. His prior roles include positions at Fidelity, Nationwide Investment Services Corp, and Osaic. He is also a commissioned notary and holds a non-variable insurance license. 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 portfolios, third-party asset management, and institutional platforms.

Kevin Branham is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has worked at firms including TD Ameritrade and Ronald Joe Branham, Inc. Outside of his advisory role, he is a partner in Let's Go Sales Co., a snack food distribution business. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Robert Lester is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and 45 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. Outside of his advisory work, he owns and operates PFC Lester, Inc., a fixed insurance business. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to provide tailored written recommendations. The firm serves a broad client base through a wide range of advisory, brokerage, and insurance solutions.

Jasmine Turner is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 credentials and has 29 years of industry experience. She has been with UBS since 1998. Outside of advising, Turner is involved in several real estate rental activities, including properties in Puerto Rico and the U.S. Virgin Islands. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, combining proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management, offering a broad range of financial and capital markets services.

David Maurer is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Sagepoint Financial, Inc. and Sentra Securities Corporation. Maurer is president of the board of directors at Ofite Corporation, where he collaborates on business strategies. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolios. The firm’s investment process focuses on model-based asset allocation and portfolio optimization supported by various analytical tools.

Sean Reynolds is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with 10 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm uses structured planning tools and investment modeling while offering a broad range of retail and institutional services.

Keith Paglierani is a financial advisor with Ameriprise in La Mesa, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Ameriprise and its affiliate since 2010. Outside of his advisory work, Paglierani serves on the Board of Directors for Hope NH Inc., a nonprofit organization in Manchester, NH. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies delivered through a centralized consulting team in partnership with financial advisors. The firm provides a broad range of advisory, brokerage, and insurance solutions typical of large institutional firms.

Elissa Knaebel is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and having eight years of industry experience. Her prior roles include positions at TD Ameritrade, First Hawaiian Bank, Raymond James Financial Services, Edward Jones, Cetera Investment Services, and J.P. Morgan Chase Bank. She is based in Coronado, 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 both non-discretionary advisory recommendations and access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a centralized operational structure.

Luis Ayala Bautista is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and three years of industry experience. His prior work includes roles at Primerica Financial Services, Landscape, and Honeycutt Farms. In addition to his advisory role, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure for its services.

Giang Tran is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. Prior to joining LPL Financial in 2025, Tran worked at Cetera, Wells Fargo Clearing, Chase Investment Services Corp., and Wamu Investments. 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 services including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and oversight of substantial discretionary assets.

Levi Cass is a financial advisor at LPL Financial with 13 years of industry experience. He holds a Series 66 designation and has previously worked at Ameritas Advisory Services, Ameritas Investment Corp, and Securities America. 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 portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and a large network of over 22,800 advisors.

Douglas Karney is a financial advisor at Equitable Advisors with 31 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. Karney holds the Series 63 and Series 65 licenses. He is also a trustee of a personal family trust shared with his spouse. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, offering financial planning, retirement plan consulting, and various asset-management programs. The firm’s approach includes matching clients to program models or discretionary managers, often utilizing third-party asset managers and LPL-sponsored advisory programs.

Matthew Ryan is a Series 66 licensed financial advisor with UBS Financial Services in San Diego, CA. He has six years of experience at UBS and four years of prior experience at Arizona State University. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans according to clients’ goals and risk tolerances.

Christopher Brown is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and five years of industry experience. He has worked at Bank of America, N.A. and Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2017, and previously at Difference Financial. Outside of his advisory role, he is a co-owner of a family rental property business. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients through managed account programs, third-party manager selection, discretionary portfolio management, and brokerage execution. The firm emphasizes managed accounts and manager-selection capabilities, supported by integration with Bank of America affiliates and a range of tax-efficient investment services.

Arun Rajaram is a financial advisor at LPL Enterprise with eight years of industry experience. He holds Series 66 and Series 63 licenses and has worked with firms including Merrill Lynch, The Prudential Insurance Company of America, and Thrivent Financial. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual investors, employer-sponsored retirement plans, and charitable entities. The firm uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

Jesse Aragon is a financial advisor with LPL Financial in La Jolla, CA, holding a Series 66 designation and three years of industry experience. He has also worked in accounting and tax preparation through his role at Chakarian & Associates, CPAs, Inc., which he has been involved with for over 20 years. Outside of advisory work, Aragon is engaged in tax preparation and accounting services as a CPA and operates a golf-related sole proprietorship. 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.

Kevin Kirlin is a financial advisor at Charles Schwab with three years of industry experience and a Series 66 designation. His prior work includes roles at Morgan Stanley and Virginia Tech. He has also held seasonal positions with various beach patrol organizations. 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 both non-discretionary and discretionary investment solutions supported by a multi-asset portfolio approach and centralized operational infrastructure.

Dominic Bruno is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds the Series 66 designation and has worked at several related entities, including First Republic Bank and First Republic Securities Company. His current role has spanned three years within J.P. Morgan entities in San Diego, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm's advisory process combines quantitative and qualitative research supported by a manager solutions team and incorporates an ESG eligibility framework.

Randy Pickering is a financial advisor at LPL Financial with 42 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at ProEquities, Inc. for 17 years. He is also president of Pickering Insurance Services, an insurance agency specializing in health and life insurance. 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, and supports its network of over 22,800 advisors with a variety of investment platforms and operational tools.

Terrence Woo is a financial advisor at LPL Financial with 12 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial in various capacities since 2014. Outside of his advisory role, he is involved with LDGN UNLTD, LLC, a non-investment-related business based in San Diego, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of investment solutions including financial planning, wrap and model portfolio programs, and institutional platforms, supported by various technology and research tools.