Thomas Yoon is a CFP®-credentialed financial advisor with 37 years of industry experience. He is currently with Ameriprise, where he has worked since 2023, following a 27-year tenure at Edward D. Jones & Co., L.P. and Edward Jones. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Chase Uejo is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their financial situations and introduces solutions available through Merrill and Bank of America. He focuses on empowering clients to take control of their financial lives and select platforms that align with their current needs. Chase holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his Bachelor's Degree from the California State University System. His approach involves helping clients identify what matters to them and their families to develop strategies aimed at pursuing their financial goals.

Scott Henderson is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. He has worked at Linsco/Private Ledger and Axa Advisors, LLC since 2005 and 2006 respectively. 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 portfolios, third-party asset management, and institutional platforms.

Eduardo Lemus Garcia is a financial advisor with Merrill in San Diego, CA. He holds a Series 66 designation and has 10 years with Merrill, including 4 years of industry experience. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Danielle May is a financial advisor with OSAIC in San Diego, CA, holding Series 63 and Series 65 licenses and having eight years of industry experience. She previously worked at TD Ameritrade and Brio Financial Group before joining OSAIC. OSAIC serves a diverse clientele including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs advanced asset-allocation tools and supports both discretionary and non-discretionary account management across a broad range of investment options.

Don Adrian Ventura is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 22 years of industry experience. His prior roles include positions at Sagepoint Financial, Inc., Independent Capital Management, and Ameriprise. He is also involved with Independent Capital Management, Inc. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with advanced research tools and a broad suite of financial products.

Eugene Cunningham is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Del Mar, California office. He develops investment portfolios for individuals, businesses, and tax-exempt organizations that prefer professional management of their assets. Gene serves a select group of clients, including individuals, families, and organizations with substantial wealth, providing confidential wealth management services that address both short-term and long-term needs. His approach emphasizes a disciplined, coordinated process designed to support informed decision-making while minimizing the influence of emotional factors on investment choices. Gene began his career with Merrill Lynch Wealth Management in April 1988. He holds a Bachelor of Science in Business Administration from Villanova University and has completed coursework at the Donald T. Regan School of Advanced Financial Management. He is a CERTIFIED FINANCIAL PLANNER® professional and holds additional designations including Certified Exit Planning Advisor (CEPA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Gene has also served as an officer in the United States Marine Corps and is a frequent lecturer to fellow Merrill Financial Advisors in southern California. He previously held a board member position with Physician Advocates for Veterans. Fluent in English and Spanish, Gene’s professional focus areas include college education planning, family wealth management strategies, tax minimization, retirement income planning, and socially responsible investing, among others. He resides in San Diego with his wife Mary and their children, Patrick and Claire. Outside of work, Gene enjoys baseball, basketball, biking, chess, football, golfing, reading, skiing, traveling, and spending time with his family.

Armand Bryant is a financial advisor at Charles Schwab with 15 years of industry experience. He holds a Series 66 designation and has previously worked at TD Ameritrade, Scottrade, Bank of America, and Merrill. 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 access to discretionary separately managed accounts and offers a multi-asset investment approach supported by centralized custody and due diligence on alternative investments.

Paul Neves is a financial advisor with LPL Financial based in San Diego, CA. He holds the CFP® and ChFC® designations and has 36 years of industry experience. Prior to joining LPL Financial in 2024, he worked with Securities America Advisors Inc. and Financial Strategies And Insurance Inc. He is involved in a wealth management business under FSI Wealth Management. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a wide range of investment strategies and tools.

Aaron Curtis is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2026. He began his career at Fidelity Investments in 2021, progressing through roles including Financial Representative, Investment Consultant, and Financial Consultant. In his role, Aaron partners with individuals and families to develop comprehensive financial plans by assessing current financial situations and future goals. He holds a California Insurance License. Outside of his professional work, Aaron's personal interests include golf, pets, reading, skiing, surfing, and table tennis.

Luis Izaguirre is a financial advisor at UBS Financial Services with 24 years of industry experience. He has been with UBS since 2015 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and mutual fund distribution. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor solutions to clients' goals and risk tolerances.

Anne Howard is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked at LPL Financial since 2006 and previously spent a year at Citigroup Global Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and asset management solutions supported by various proprietary and third-party investment strategies.

Kyle Kirkham is a financial advisor at Mass Mutual Investors Services in San Diego, CA, with 17 years of industry experience. He holds CFP® and Series 66 designations and has worked at firms including Charles Schwab, TD Ameritrade, Merrill, and Bank of America. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning and asset management services through collaborative, annual engagements using firm-approved analytical tools.

Laura Greenberg is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2017. She has been with Fidelity since 2013, progressing from Investment Consultant to Financial Consultant before assuming her current role. Prior to joining Fidelity, Laura worked as a Financial Advisor at Edward Jones from 2009 to 2013 and briefly at Merrill Lynch in 2009. In her role, Laura partners with high-net-worth individuals and families to help them clarify priorities and make informed financial decisions. She focuses on developing a deep understanding of clients' goals and values to provide thoughtful guidance and a disciplined planning framework aimed at supporting long-term financial well-being. Laura holds a California Insurance License. Outside of her professional work, Laura's personal interests include beach activities, family activities, football, social events with friends, scuba diving, and skiing.

Courtney Allen is a financial advisor with RBC Capital Markets in San Diego, holding Series 63 and Series 66 designations and 16 years of industry experience. She has been with RBC Capital Markets since 2012. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs and tailors investment strategies to clients’ advisory risk profiles using a combination of in-house and third-party managers, with options for tax management and responsible-investing screens.

Maria Maldonado is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at J.P. Morgan Securities and Pier 1. Her current role at Morgan Stanley began in 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee.

Michael Brezovsky is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to understand their unique financial situations and goals, using Fidelity's resources and his expertise to build and implement comprehensive financial plans. He serves as a reliable source of information and support for clients through changing circumstances and evolving objectives. Michael has been with Fidelity Investments since 2018, progressing through multiple roles including Financial Consultant and Investment Consultant. His experience spans workplace planning and investment consulting, providing him with a broad perspective on financial advising. He holds a California Insurance License and is a CERTIFIED FINANCIAL PLANNER™ professional.

Brian Dawidowicz is a financial advisor with OSAIC in La Mesa, CA, holding the CFP® and ChFC® designations and bringing 24 years of industry experience. He has been with OSAIC since 2004 and also operates a sole proprietorship focused on life and fixed annuity insurance products and personal income tax preparation. Dawidowicz is president and owner of ThruLine Planning, an S-Corp engaged in small business administration activities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage, investment advisory, financial planning, and retirement consulting services through a large network of affiliated advisers and multiple platforms. The firm uses various asset allocation and portfolio construction tools, supporting both discretionary and non-discretionary management with access to third-party money managers and wrap programs.

Gordon Sinkoff is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 63 designation and 46 years of industry experience. He has been with Morgan Stanley since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. 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 financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Benjamin Chapman is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and five years of industry experience. His career includes roles at Edward Jones and GrantLinkx before joining LPL Financial in 2020. Between 2019 and 2020, he took a year for extended travel. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational and research tools.