Karl Freeman is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting, managing approximately $671 billion in assets through more than 14,000 financial advisors.

Edwin Espinal is a financial advisor at Charles Schwab with 10 years of industry experience. He holds the CFP® and Series 66 designations and has been with Charles Schwab and its affiliated banking entity since 2015. Charles Schwab & Co., Inc. provides wealth advisory and managed-account services primarily to high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program. The firm offers a combination of non-discretionary investment guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

William Sparks is an International Wealth Advisor with Merrill Lynch Wealth Management. He specializes in family wealth management strategies, international wealth management, and portfolio management services. William holds a master's degree from the Thunderbird School of Global Management and a bachelor's degree from the California State University System. He holds the Personal Investment Advisor (PIA) designation. He is affiliated with the professional organization Los Angelitos de Encinitas and actively participates as a community volunteer. Outside of his professional work, William enjoys baseball, biking, camping, reading, swimming, traveling, and spending time with his family. His approach to advising centers on working one-on-one with clients to develop personalized financial strategies aligned with their long-term goals.

Laurie Lipman is a financial advisor with LPL Financial, holding a Series 66 designation and 25 years of industry experience. Her prior roles include positions at Commonwealth Financial Network and Waddell & Reed. She is a 50% owner of Lipman-Westburg Inc., a private entity involved in securities, advisory, and insurance business. 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.

Stephen Gelina is a financial advisor with Fidelity in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. His career includes roles at Fidelity Personal and Workplace Advisors, Fidelity Brokerage Services, U.S. Bancorp Advisors, and Wells Fargo. Outside of financial advising, he is the sole proprietor of CSMJS Great Adventures, LLC, a real estate funding company focused on location research and land analysis. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment process that incorporates proprietary research, quantitative analysis, and algorithmic portfolio construction. The firm offers discretionary and non-discretionary services, model portfolios, and oversight of sub-advisers, with distinctive features including registration as a commodity pool operator and advisory roles to multiple registered investment companies.

Archievhal Alvarado is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 designations and 13 years of industry experience. His prior roles include positions at Edward Jones, City National Bank, and JP Morgan Securities. Outside of finance, he is involved in BowtiedJ Events as a musician. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach, leveraging portfolios developed by its research team and third-party strategists, and offers access to financial planning, third-party asset managers, and affiliated insurance and trust services.

Anne Gotingco is a financial advisor with Raymond James & Associates based in San Diego, CA. She holds a Series 66 designation and has 19 years of industry experience, including prior roles at Wells Fargo Clearing. She has been with Raymond James & Associates since 2018. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional investors, and municipal entities, offering a range of financial planning and investment consulting services with tailored, non-discretionary client relationships.

Tomer Rabizadeh is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and 66 designations and bringing 15 years of industry experience. He has been with Morgan Stanley since 2013 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he serves as a general board member for Sephardic Temple Tifereth Israel in Los Angeles. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools, including the Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations.

Kevin Keil is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 license and five years of industry experience. His prior roles include positions at Securian Financial Services, Minnesota Life Insurance, North Star Resource Group, CRI Securities, and Health IQ. Outside of his advisory work, he is a business owner of Sail Bay Group, a non-investment-related venture. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolios, third-party asset management, and institutional platforms.

Alexander Howell is a financial advisor at UBS Financial Services with 21 years of industry experience. He holds the Series 66 designation and has been with UBS since 2008. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and a broad range of capital markets and lending programs.

Thomas Boles is a financial advisor at Cetera with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Telesis Financial Services, LPL Financial, and Ameriprise Advisor Services. Outside of advisory work, he serves as board treasurer for Coastal Dragons Rugby Inc., a community sports organization. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a range of discretionary and non-discretionary portfolio management and consulting services.

Shaurya Chauhan is a financial advisor at J.P. Morgan Securities in San Diego, CA, with five years of industry experience. He holds Series 63 and Series 66 designations and has held positions at JPMorgan Chase Bank, Northwestern Mutual, and Sagepoint Financial. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.

Robert DeVoe is a Financial Consultant at Fidelity Investments, a role he has held since 2021. In this position, he partners with clients to understand their personal and professional situations, conducts thorough analyses, and discusses tailored financial strategies that align with their preferences. Prior to his current role, Robert served as a Sales Manager specializing in Fixed Income at TD Ameritrade from 2014 to 2021. Robert holds a California Insurance License, supporting his ability to provide comprehensive financial guidance. Outside of his professional responsibilities, he has personal interests that include cars, family activities, hiking, pets, and table tennis.

Gabriel Garibay is a Wealth Management Senior Relationship Manager who partners with self-directed ultra-high-net-worth clients. In this role, he serves as the primary point of contact and provides comprehensive support to address both their financial and service needs. His professional experience includes positions at Fidelity Investments from 2020 to 2026, where he progressed from Financial Representative to Planning Consultant. Prior to that, he worked at JP Morgan Chase Bank N.A. from 2010 to 2020 in roles ranging from Relationship Banker to Private Client Banker. Gabriel holds a California Insurance License. Outside of his professional career, Gabriel has interests in comedy, hiking, music, parenthood, pets, and traveling.

Russell Handler is a financial advisor with LPL Financial based in San Diego, CA. He holds Series 63 and Series 65 designations and has 11 years of industry experience. Prior to joining LPL Financial in 2022, he worked for eight years with Putnam Retail 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of over 22,800 advisors.

Anthony Ceccacci is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Park Avenue Securities, Guardian Life Insurance Company, and Equitable Advisors. He has been with LPL Financial since 2018. 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 variety of financial planning and investment management services, leveraging model portfolios, third-party subadvisors, and technology tools to support its advisory network.

Kevin Dowell is a financial advisor with LPL Enterprise holding a Series 66 credential and two years of industry experience. Prior to joining LPL Enterprise in 2026, he worked at Edward Jones from 2023 to 2025. He serves on the board of the Aviaro Oaks PTA in Carlsbad, CA. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individuals, high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm emphasizes model-driven investment implementation and offers financial planning, access to third-party asset managers, and participation in wrapped portfolio programs.

David Moran is a Series 66-licensed financial advisor with Equitable Advisors, where he has worked for 23 years. Prior to Equitable Advisors, he was with Axa Advisors for 17 years. His outside activities include serving as a board member of the East County Chamber of Commerce and owning Five2 Studios, a non-investment-related business. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and a range of asset-management programs primarily delivered through a network of Investment Adviser Representatives and third-party asset managers.

Ahmed Elemary is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. His prior roles include positions at E*TRADE Securities, E*TRADE Capital Management, Bank of America, and Merrill. Outside of advising, he owns a donut bar franchise and is involved in developing a child safety device through his personal business ventures. Morgan Stanley Wealth Management serves both individual and institutional clients with a wide range of advisory programs, focusing on tailored financial planning supported by firm-approved tools and methodologies.

Diana Moreno is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. She has worked at Wells Fargo since 2016 and previously spent a year at RBC Capital Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.