Michael Wiley is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. He has been with LPL Financial since 2013, including a brief tenure at Anchor Bay Capital in 2015. 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 provides a wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by research tools and a broad offering of non-advisory financial products.

Michael Lincoln is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. He has worked at several firms, including LPL Financial and Raymond James Financial Services, and has been president of Lincoln Capital, Inc. since 2010. Outside of financial advising, he owns a line of BBQ-themed apparel and sells fixed insurance products. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party managers.

Ryan Roche is the Branch Leader at Fidelity Investments, a role he has held since 2025. He focuses on empowering Investor Center associates to engage in meaningful conversations with clients and supports them in developing the skills necessary to assist local families with financial planning. Ryan has accumulated extensive experience within Fidelity Investments, progressing through various positions including Financial Consultant (2022-2025), Planning Consultant (2021-2022), Relationship Manager (2020-2021), Financial Representative (2019-2020), and Investor Center Intern (2018-2019). He holds a California Insurance License. Outside of his professional responsibilities, Ryan enjoys baseball, golf, kayaking, skiing, traveling, and volunteering.

Anthony Camara is a financial advisor with Thrivent Investment Management, holding a Series 66 credential and 12 years of industry experience. He has been with Thrivent since 2014 and previously worked at THRIVENT Financial beginning in 2015. Outside of his advisory role, he is a landlord, managing a rental property in La Mesa, California. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors, focusing on holistic, goal-based financial planning without discretionary trading authority. The firm’s services include planning across various financial topics and offer options to integrate planning with managed accounts under a consolidated billing structure.

Santiago Huerta is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked with LPL Financial since 2018 and has also been involved with Independent Capital Management since 2013. Prior to LPL, he worked at SagePoint Financial for five years. 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 portfolio programs, and institutional platforms, combining extensive research tools with a broad array of financial services.

Kevin Wilson is a CFA® charterholder and holds Series 65 and Series 63 licenses, with 21 years of industry experience. He has worked at RBC Capital Markets since 2026 and previously held positions at Bank of America and Columbia Management Advisors. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a variety of advisory programs featuring discretionary and non-discretionary portfolio management, tailored strategies based on client risk profiles, and access to both in-house and third-party investment managers.

Jesse Menashe serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined the team in 2015, contributing to both financial advising and the firm's business development, marketing, and administrative efforts. Jesse focuses on areas such as employee benefits planning, executive compensation, equity compensation services, and investment consulting for defined contribution plans, among others. He holds a Bachelor of Science degree in business marketing from Arizona State University and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Jesse applies his education and experience to assist clients in leveraging financial opportunities. Outside of his professional work, Jesse engages in activities such as chess, golfing, hiking, and music, with a particular interest in playing guitar and composing and recording music.

Peter Falk is a financial advisor with OSAIC based in La Jolla, CA, holding a Series 66 designation and 25 years of industry experience. Before joining OSAIC in 2025, he spent 25 years with Lincoln Financial Advisors Corp. He serves as co-director of education for the San Diego-based nonprofit Scope Institute, which provides educational events for business owners. He is also a trustee designated for a family trust. OSAIC Wealth serves a diverse clientele including retail investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm utilizes a model-based investment approach incorporating asset allocation, portfolio optimization, and third-party management options.

Patrick Kearney is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his commitment to providing tailored investment guidance. Patrick earned a Bachelor's Degree from San Diego State University. His educational background, combined with his professional experience, supports his role in delivering comprehensive financial advisory services.

Mark Yackey is a financial advisor with Charles Schwab, holding a Series 66 designation and over 10 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank SSB since 2015 and 2016, respectively. He is based in La Jolla, 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 a client relationship model that combines non-discretionary advisory guidance with access to discretionary separately managed accounts, supported by centralized supervisory, custody, and order-routing systems.

Jason Silberstein is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 21 years of industry experience. He has worked at Wells Fargo since 2016, after previous roles at Morgan Stanley and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Rita Sanchez is a financial advisor with Morgan Stanley in La Jolla, CA, holding the Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by firm-approved tools and modeling techniques.

Oliver Polo is a Wealth Management Advisor at Merrill Lynch Wealth Management and a partner with the Mohler Polo Mofty Group based in Del Mar, California. He has been in the financial advisory industry since 2007, providing services to a select group of families and businesses. Oliver's approach involves developing a clear understanding of his clients' financial situations, goals, timelines, and risk tolerances to create personalized and efficient financial strategies. He regularly reviews these strategies to adapt to clients' changing circumstances. Oliver's areas of expertise include portfolio management, investment analysis, market-linked investments, alternative investments, and various client focus areas such as corporate executive services, family wealth management strategies, LGBT wealth planning, philanthropy, socially responsible investing, tax minimization, and retirement income. He holds several professional designations including the Chartered Financial Analyst (CFA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Oliver is a graduate of San Diego State University, where he earned a Bachelor's Degree with an emphasis in Finance. He is fluent in Spanish and engages with professional organizations such as the CFA Society San Diego. Beyond his professional life, Oliver is involved in community organizations including Feeding San Diego and Junior Achievement. He has a variety of personal interests including basketball, boxing, dancing, hiking, music, reading, soccer, spending time with family, watching movies, and practicing yoga.

Todd Trusso is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Altegris Investments, PRUCO Securities, and Capital Investment Advisors. He serves as Secretary and is a member of the finance committee on the Board of the Boys and Girls Club of Northwest San Diego. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary advice focused on asset allocation, investment manager searches, and customized performance reporting. The firm’s advisory process uses centralized due diligence and combines quantitative and qualitative research to build model asset allocations.

Stephane Hpay is a financial advisor with Cetera holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked at Cetera since 2021 and previously spent seven years with VOYA Financial Advisors. Outside of his advisory role, he is also an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Glenn Mazzone is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. 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 tailored financial planning and integrates structured discovery conversations with firm-approved planning tools.

Kristel Jocson is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Clearing since 2017, following five years at J.P. Morgan Securities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services tailored to plan objectives, demographics, and risk tolerances.

Sacha Mackels is a CFP® and ChFC® with 14 years of experience in financial services. He is affiliated with Cetera and has previously worked with Securian Financial Services and Minnesota Life Insurance. Mackels is also the owner of Mackels Advisory and Planning LLC, an expense management business. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing multiple program structures and access to both affiliated and third-party investment managers.

Zackery Bertrand is a CFP®-certified financial advisor with ten years of industry experience, currently with OSAIC since 2025. He previously worked at Lincoln Financial Advisors for nine years. Outside of advisory work, he is also licensed as an insurance agent offering accident and health insurance, disability insurance, fixed/indexed annuities, long-term care insurance, and traditional life insurance products. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform that offers brokerage and advisory services with an emphasis on model-based asset allocation and portfolio optimization.

Laura Smith is a CFP® professional with 29 years of industry experience. She is currently with Wells Fargo Clearing, where she has worked since 2016. Her prior experience includes roles at UBS Financial Services and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.