Austin Kuetgens Brooks is a financial advisor at Equitable Advisors with one year of industry experience. He holds the Series 66 designation and has a diverse work background including roles at Puesto Bar and Grill, LA Fitness, and Chipotle Mexican Grill prior to joining Equitable Advisors. Austin is based in San Diego, CA. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients by offering financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as a dual-registered SEC investment adviser and broker-dealer, utilizing LPL-sponsored programs and endorsed TAMPs to provide advisory and brokerage solutions.

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.

Devin Berkowitz is a financial advisor at Charles Schwab with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Fidelity Investments, 49 Wealth Management, and Purshe Kaplan Sterling Investments. Outside of finance, he has experience in sports and education, including roles with the Las Vegas Raiders and 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset investment approach and extensive operational infrastructure.

Washington Nabong is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2012. Outside of his advisory role, he is a partner in a real estate business, Posh Living and Housing Services, which he co-manages with his husband. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm integrates advisory services with affiliated brokerage, distribution, and investment management capabilities.

Jose Garcia is a Series 66-licensed financial advisor with LPL Financial in San Diego, CA, and has nine years of industry experience. He has been with LPL Financial since 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and nonprofits through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and consulting services.

David Kelter is a Series 63-registered financial advisor with Ameriprise in Encinitas, CA, with 31 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC for a combined 13 years before joining Ameriprise in 2022. Ameriprise provides a retirement-income planning service tailored to individuals approaching or in retirement, typically those with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate personalized recommendation reports. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Kimberly Guha is a CFP® and holds a Series 66 license with 10 years of experience in the financial services industry. She has worked at UBS Financial Services for 10 years before joining Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC in 2025. She is based in San Diego, CA. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering financial planning that incorporates structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and corporate financial planning agreements.

Madeleine Smith is the Vice President, Wealth Planner at Fidelity Investments. In this role, she focuses on providing clients with a comprehensive understanding of the services offered by Fidelity, aiming to support them in achieving their financial goals. She prioritizes understanding the unique needs of each client and their family to deliver tailored financial planning. Before her current position, Madeleine served as a Financial Consultant at Fidelity Investments from 2020 to 2025, and prior to that, she was a Senior Financial Consultant at TD Ameritrade from 2017 to 2020. She holds a California Insurance License, which supports her work in financial planning and consulting. Madeleine is dedicated to educating and empowering clients throughout their financial planning journey, emphasizing a client experience-focused approach.

Frank Messenger Jr. is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved in accounting and tax preparation through Messenger Wealth Management. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios, third-party research, and technology-driven investment strategies.

Leila Castaneda is a financial advisor at RBC Capital Markets with eight years of industry experience. She previously worked at UBS for eight years and Rincon Technology, Inc for seven years. Outside of her advisory role, she is the founder and CEO of Screen Free Kids, a private company focused on educating parents about the effects of screen time on children through community events and speaking engagements. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with portfolio management, financial planning, and brokerage services tailored to clients’ risk profiles, utilizing both in-house and third-party investment managers.

Jacob Mahony is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Arup and Atrendia ApS, and he has been with Morgan Stanley since 2020, including the Morgan Stanley Private Bank since 2024. Outside of his advisory work, he is involved with Happening Times LLC, a restaurant and nightlife business based in San Diego. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning using firm-approved tools and strategies.

Murray Hougen is a financial advisor at LPL Financial with 20 years of industry experience. He holds the CFP® and ChFC® designations, as well as the Series 66 license. Prior to joining LPL Financial in 2019, he spent 11 years with Waddell & Reed and various insurance carriers. Hougen is co-trustee of the Murray & Elizabeth Hougen Family Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Britney Lundgren is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 designations and bringing 10 years of industry experience. Her prior roles include positions at Wells Fargo Clearing and Wells Fargo Bank, where she worked for a combined eight years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning services, and retirement plan consulting through a national network of investment adviser representatives.

Saul Juarez is a financial advisor at LPL Financial with 13 years of industry experience. He holds a Series 66 designation and has previously worked at J.P. Morgan Securities, CUNA Brokerage Services, and Allstate Financial Services. From 2023 to 2025, he operated Platinum Mortgage. 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, including discretionary and non-discretionary management supported by model portfolios and research.

Robbin Preciado is a financial advisor at LPL Financial with 19 years of industry experience. They hold the Series 66 designation and have worked previously at UnionBanc Investment Services and Union Bank for 13 years. Preciado is also associated with Flagstar Bank and Members Trust Co. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, research, and various management strategies.

Jared Hegardt is a Senior Financial Advisor at Merrill Lynch Wealth Management, joining the Hegardt, Steelman, Carroll & Associates team in 2019. His professional experience includes roles in finance at AEG Facilities, a major owner and operator of sports and music venues, and sales development at OneRent Inc., a Silicon Valley property management startup integrating technology into tenant and landlord experiences. Jared holds a Bachelor's Degree in Finance from Santa Clara University, where he also played Division I soccer, and a Master's Degree in Finance from the University of San Diego. He has earned the Personal Investment Advisor (PIA) designation. A native of San Diego, Jared is involved in his community through volunteer work with Make-a-Wish San Diego. His personal interests include soccer, hiking, and skiing in California.

Gina Wu is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2015 to 2020. Wu holds a real estate license in California. 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.

Steven Finley is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2014. Outside of his advisory role, he is involved in several baseball-related activities, including consulting for the San Diego Padres, teaching at Major League Baseball camps internationally, and broadcasting for Fox Sports San Diego. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured financial planning process supported by firm-approved tools and offers both direct and employer-based financial planning solutions.

Devon Hawley is a Series 66 licensed advisor with Merrill, based in Rancho Santa Fe, CA, and has seven years of industry experience. His prior roles include positions at the University of San Diego and the California Innocence Project. He serves as a trustee for a private trust. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Huy Nguyen is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Girard Securities, Inc. and Cetera Advisor Networks LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, and institutions through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by various model portfolios and research resources.