Joshua Billauer is a financial advisor with Wells Fargo Clearing in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Billauer also serves as a trustee for a family trust. 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 IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Jason O Reilly is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. His prior roles include positions at HSBC Bank USA, HSBC Securities (USA) Inc., Wells Fargo, and Citibank. He has also served as a bank officer for HSBC Bank (USA) N.A., where he engaged in the sale of bank-related products and services alongside his registered representative duties. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a broad network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management approaches supported by proprietary and third-party research.

Erik Karlson is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Naief Al Chaikh is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. He previously worked at Ameriprise and Comerica Securities, Inc., where he spent nine years. Al Chaikh is also engaged in outside business activities related to investment platforms connected to Comerica Bank. LPL Financial serves a broad client base including 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 brokerage services supported by research and multiple portfolio management options.

Nicholas Fragoso is a financial advisor at Osaic with five years of industry experience. He holds Series 63 and Series 66 credentials and has worked at San Diego Tax & Wealth Management and under his own sole proprietorship, providing financial planning, income tax preparation, and life insurance services. Fragoso also operates an S-Corporation offering investment advice, financial planning, and tax preparation. OSAIC serves a broad range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to manage portfolios across multiple asset classes on both discretionary and non-discretionary bases.

David Cynkin is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and two years of industry experience. His background includes roles at UBS since 2023 and academic positions at the University of Oregon from 2019 to 2023. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets and fiduciary services.

Julia Farag is a financial advisor with Cetera in San Diego, CA, holding a Series 66 designation and one year of industry experience. She has previously worked at Fonte Financial Advisors and served as a philanthropist before joining Cetera. Outside of her advisory role, she serves as vice president of the nonprofit board of directors for the Kai Elua Outrigger Canoe Club. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of investment management and consulting services through a nationwide network of independent advisors, utilizing multiple program structures and third-party managers.

Ryan Barnhill is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. He previously worked at Edward Jones for nine years before joining LPL Financial in 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual, institutional, and retirement clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management and a variety of model portfolios and research resources.

James Roeske is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch. He began his career in wealth management in 2000 and has since developed relationships with a diverse clientele. In 2016, James was appointed Resident Director of the La Jolla office, taking on responsibilities that include training and coaching Merrill financial advisors and supporting experienced advisors in identifying appropriate products and services for their clients. James holds several professional credentials, including the CERTIFIED FINANCIAL PLANNER (CFP) designation awarded by the CFP Board, the Certified Investment Management Analyst (CIMA) certification from the Investments & Wealth Institute, and is recognized as a Personal Investment Advisor (PIA). He earned a Bachelor of Science degree from Saint Mary's College of California. His client focus areas encompass executive compensation, family wealth management strategies, portfolio management services, ESG investing, tax minimization, retirement income, and other financial planning services. Residing in San Francisco and La Jolla with his wife and two children, James is active in his local community, particularly with La Jolla's public school system. He is a member of the La Jolla Historical Society and contributes to La Jolla Elementary. Outside of work, James enjoys boating, boxing, football, running, skiing, swimming, tennis, traveling, and volleyball.

Grant Kalmanovitz is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Cetera. His prior firms include Charles Schwab, LPL Financial, LendingClub, and EquityBee. In addition to his advisory role, he works as an assistant basketball coach for San Dieguito Union High School District and consults on sales strategy and market research for local businesses. Cetera Investment Advisers LLC is a nationwide registered adviser supporting individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform that offers model portfolios, third-party managers, and bespoke strategies. The firm manages over $256 billion in assets with more than 10,000 advisors and around 800,000 clients.

Iola Xiao is a Financial Advisor at Merrill Lynch Wealth Management and The ROK Advisory Group since 2023. She has 15 years of experience in the financial services industry, providing personalized guidance to individuals and families. Iola is fluent in Mandarin Chinese and speaks basic Cantonese, facilitating communication with a diverse clientele. Iola follows a disciplined process that begins with understanding clients' needs and goals, enabling her to create flexible financial strategies adaptable to changing market conditions. She leverages investment insights from Merrill and banking and lending solutions from Bank of America. Iola holds the Certified Divorce Financial Analyst (CDFA) designation and the Personal Investment Advisor (PIA) credential. Based in San Diego, Iola enjoys spending time with her son, Tyler, and engaging in activities such as traveling and golfing.

Daniel La Page is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo in various capacities since 2004. Outside of his advisory role, he owns a rental property in Cottontown, Tennessee. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm uses an IPS-driven advisory process grounded in modern portfolio theory and offers both discretionary and non-discretionary services, including investment policy statement preparation, investment recommendations, and participant education.

Cheryl Giustiniano is a CFP® professional with 33 years of experience in financial advising. She is currently affiliated with LPL Financial and has previously worked at Giustiniano Wealth Strategies, Cavanaugh Financial Group, D Canada Financial, and Raymond James Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, with access to model portfolios, third-party research, and various portfolio management services.

Diane Bienke is a CFP® and Series 66 credentialed financial advisor with four years of industry experience. She is currently with J.P. Morgan Securities and has previous experience at First Republic Investment Management, Wells Fargo Clearing Services, and Wells Fargo Bank. 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. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering services on a non-discretionary basis.

Daniel Testa is a financial advisor at Cetera with three years of industry experience and holds a Series 66 designation. Prior to joining Cetera, he worked at Edward Jones, Bank of America, Merrill, and Navy Federal Financial Group. Outside of advising, he is a partner and owner of BNT Metals, a metals recycling company based in Chula Vista, California. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party strategies.

Shanel Dubique is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and eight years of industry experience. Her prior roles include positions at CUSO Financial Services and First Command Financial Planning. 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 provides financial planning, various advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options.

Devin Mcdonald is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines fundamental research with quantitative and algorithmic portfolio construction, offering discretionary and non-discretionary services as well as model portfolios built from mutual funds, ETFs, and ETPs.

Marcus Fitzpatrick is a financial advisor at Cetera with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Cetera and its related entities since 2019. Prior to that, he worked at Foresters Financial Services and Foresters Advisory Services LLC. Outside of his advisory role, he is involved in coaching soccer, including training players and managing teams. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supporting over 10,000 advisors and managing more than $256 billion in assets.

J Coghlan is a financial advisor with OSAIC in San Diego, CA, holding Series 63 and Series 65 designations and over 33 years of industry experience. His prior roles include long tenures at Securities America Advisors, Inc. and Coghlan Financial Group, Inc. Outside of advisory services, he operates as an independent agent selling fixed insurance products and provides living trust document services to clients. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services, financial planning, and access to third-party managers. The firm utilizes asset-allocation tools and automated rebalancing to manage diverse portfolios and supports multiple advisory platforms and legacy program transitions.

Jeffrey Carlos Jr. is a financial advisor with LPL Financial in La Mesa, CA, holding a Series 66 designation and bringing 18 years of industry experience. He has been with LPL Financial since 2013. LPL Financial serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and brokerage services.