Shaun Alzate is a financial advisor at RBC Capital Markets with seven years of industry experience. He holds a Series 66 designation and has worked previously at Wells Fargo Clearing, LPL Financial, Wayne Hummer Investments L.L.C., and RSM Insurance Agency Services. 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 range of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to clients’ risk profiles through a combination of in-house and third-party investment managers.

Joe Woods II is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes roles at Raymond James Financial and The Financial Planning Company, as well as founding Woods Inc. Outside of his advisory work, he coaches middle school soccer for the Coronado Unified School District. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations through numerous advisory programs and consulting services.

Melinda Woodell is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 28 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked within Wells Fargo Bank and Wells Fargo Advisors, LLC since 2011. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Victor Gonzalez is a financial advisor with Ameriprise in San Diego, holding Series 66 and Series 65 licenses and five years of industry experience. His prior roles include positions at Aya Healthcare, ALPS Distributors, and Brandes Investment Partners. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Kha Tran is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 65 designations and 23 years of industry experience. He has worked at Charles Schwab and its affiliates since 2022 and previously spent 15 years at TD AMERITRADE Inc. 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 combines non-discretionary advisory models with access to discretionary separate managed accounts and maintains a centralized operational platform for custody, order routing, and alternative investment due diligence.

Jonathan Mendoza is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with J.P. Morgan Securities since 2013 and concurrently associated with JPMorgan Chase Bank, N.A. since 2012. Outside of his advisory role, Mendoza operates an e-commerce business selling a personal collection of trading cards. J.P. Morgan Securities LLC 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 combines large institutional advisory operations with brokerage and investment management capabilities.

Jose Hernandez Jr. is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank since 2015. Outside of advising, he manages rental properties in the San Diego area. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and serves clients through a broad range of retail and institutional investment offerings.

Richard Reimers is a CFP® professional with 29 years of experience in the financial services industry. He currently works at LPL Financial, where he has been since 2023, following a 14-year tenure at Stifel Nicolaus & Co Inc. He serves as trustee for family trusts, including the Reimers Family Trust and the Reimers Revocable Trust. 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, retirement plan consulting, and brokerage services, employing both discretionary and non-discretionary management supported by proprietary and third-party research.

Laura Fetterman is a financial advisor at UBS Financial Services with 16 years of industry experience. She holds the Series 66 designation and has been with UBS since 2005. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advice using proprietary research and model-based asset allocations tailored to clients’ goals and risk tolerances.

Jonathan Bourgeois is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2011. Outside of financial advising, he serves as a business development consultant for HL Welding Inc. and owns JB Bourgeois LLC. 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 manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Hao Hoang is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. He is based in Escondido, CA. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Lisa Yang is a financial advisor with LPL Financial in La Jolla, CA, holding a Series 66 designation and 9 years of industry experience. She worked at the University of California, San Diego for one year before joining LPL Financial, where she has been since 2014. Yang is involved with Symbio Financial Partners, an entity related to her LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing model portfolios and research from both internal and third-party sources.

Joseph White is a CFP® with 23 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC for nine years. He co-owns a rental property in Escondido, CA, which he manages with minimal time commitment outside of trading hours. 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 a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jeffrey Nessia is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. Prior to joining Wells Fargo Clearing in 2023, he worked at J.P. Morgan Securities for 11 years. 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 grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ethan Lagasse is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors and The Spot. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, using a range of investment tools and third-party platforms to construct and manage portfolios across multiple asset classes.

Michael Marangola is a CFP® and ChFC® with 26 years of experience in the financial industry. He is currently affiliated with LPL Financial and also serves as president and owner of Marangola Financial Group, Inc., where he provides financial advice and income tax return preparation. His career includes prior experience at OSAIC and FSC Securities Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Karina Mendoza is a Series 66-licensed financial advisor at UBS Financial Services with seven years of industry experience. She has worked at UBS since 2019 and previously had brief tenures at Merrill Lynch. Outside of her advisory roles, she was involved with YMCA San Diego County for five years and San Diego State University for four years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, using proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Sharon Loero is a financial advisor with Charles Schwab, holding Series 66 and Series 63 designations and bringing 26 years of industry experience. She previously worked for TD Ameritrade from 2010 to 2022 before joining Charles Schwab in 2023. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management, along with custody and brokerage services. The firm is notable for its large client base and integrated operational structure that combines model portfolios, alternative investments, and centralized supervisory and order-routing arrangements.

Christopher Gregson is a financial advisor with LPL Enterprise holding a Series 66 designation and beginning his advisory career in 2025. His prior work experience includes roles in roofing and insurance services, and he maintains involvement with Emerald Street Capital and I-Surance Insurance Services. Gregson also acts in a fiduciary capacity for a family trust and will. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients by offering financial planning, advisory, and brokerage services through an integrated platform that includes insurance products and access to third-party asset managers.

David Smith is a Series 66-credentialed financial advisor at Merrill with 18 years of industry experience. He has worked at both Bank of America, N.A. and Merrill Lynch, Pierce, Fenner and Smith Incorporated since 2011. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm leverages its integration with Bank of America to provide access to a broad platform of products and services.