Stephen Seidel is a financial advisor at Morgan Stanley with a Series 66 credential and seven years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following a three-year tenure at American Funds Distributors. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools but does not include individual security recommendations as part of standalone planning services.

Jonathan Doering is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 licenses and bringing 34 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory role, he has collected residual income from prior health insurance sales with Blue Cross/Anthem. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based analyses and written recommendations on a variety of financial planning topics. The firm’s approach separates planning from portfolio management and emphasizes client engagement through its WealthPlan consolidated billing option.

Emily Nguyen is a financial advisor at Equitable Advisors with Series 66 registration and one year of industry experience. Prior to joining Equitable Advisors in 2026, she worked at the San Diego Registrar of Voters and attended San Diego State University. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model and offers advisory and brokerage/insurance channels to implement client recommendations.

Susan Bowers is a CFP® professional with eight years of industry experience, currently advising at LPL Financial. She previously worked at Seapoint Wealth Advisors LLC and AlphaCore Capital LLC, and has been involved with the Future Legends Scholarship Fund. Outside of her advisory role, she is associated with Red Grass Partners Inc. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from multiple sources.

Barin De La Torre is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities since 2024, having worked at JPMorgan Chase Bank, N.A. since 2014. 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 team of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Justin Timko is a financial advisor at Fidelity with two years of industry experience and holds the Series 66 designation. Prior to joining Fidelity, he worked in fitness and coaching roles, including with CAM Fitness SD LLC and Studio Outside. He also hosts and edits a podcast focused on fantasy topics. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios, including fund advisory and model portfolios, and serves as an adviser to registered investment companies.

Johnny Aguilar is a financial advisor at Charles Schwab with one year of industry experience. Prior to joining Schwab in 2022, he spent several years in education and operated Janet's Cafe & Deli. 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, offering a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts.

Marco Godwin is a financial advisor with LPL Financial, holding Series 63 and 65 licenses and bringing 26 years of industry experience. Prior to joining LPL Financial in 2021, he spent seven years at Equitable and its affiliated entities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and brokerage services supported by model portfolios, research, and technology-driven solutions.

Ian Holmes is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and having seven years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2019 and has also worked with Wells Fargo Bank NA since 2016. 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 combines brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Mengyao Lin is a financial advisor at Merrill in San Diego, CA, with five years of industry experience. Lin has held positions at Bank of America and JPMorgan Chase Bank and Securities. Outside of finance, Lin previously worked briefly in retail and in a dessert business. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Kenneth Shaw is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing 32 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, Shaw is involved with SAFR Sports, where he educates friends and former NFL colleagues about helmet safety and reducing head and brain trauma. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven, incorporates modern portfolio theory, and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

Gabriel Mendoza is a financial advisor at Morgan Stanley with six years of industry experience. He previously worked at UBS Financial Services for eight years and has held roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2025. Mendoza is the managing member of Ticket Chomp LLC, a technology firm based in Carlsbad, California. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and employer-based financial planning agreements.

Gavin Holmes is a financial advisor at Morgan Stanley with a Series 66 credential and no prior industry experience. Before joining Morgan Stanley, he worked at RemoteLink Solutions and has experience in educational roles at San Diego State University and High Tech High Chula Vista. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Joshua Rayburn is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2006, he has held various leadership roles within the organization. In his current position, Joshua and his team serve a multi-generational client base consisting of individuals, families, business owners, and executives, providing wealth planning solutions tailored to client goals and circumstances. Joshua’s approach centers on connecting clients to personalized strategies that address their unique ambitions, such as planning for education funding, retirement lifestyle, and potential healthcare costs. His team emphasizes clear and concise advice that considers more than just financial numbers, translating client goals into actionable steps toward desired outcomes. He earned a Bachelor’s Degree from the State University of New York System and a Juris Doctorate from Syracuse University College of Law. Joshua holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). In his role at Merrill, Joshua does not provide legal advice.

Elizabeth Kilmer is a financial advisor with LPL Financial and holds Series 63 and Series 66 credentials. She has 23 years of industry experience, including roles at JFC Advisor Network, Bank of America, Merrill, and U.S. Bancorp Investments. 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 retirement consulting, supported by research and technology-driven portfolio management.

Richard Rojeck is a financial advisor at Osaic Wealth, Inc. with 45 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 27 years before joining Osaic in 2025. Outside of his advisory role, Rojeck is an author and promotes his book through public speaking. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, and access to various managed account platforms using a range of asset-allocation tools and third-party solutions.

Bao Truong is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and its affiliated entities since 2019. Outside of his advisory work, he is involved in several other business activities including car rentals and gardening. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Aaron Mulvaney is a financial advisor with Edelman Financial Engines in San Diego, CA. He holds Series 63 and Series 65 licenses and has 31 years of industry experience. He has been with Edelman Financial Engines and its predecessor entities since 2015. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and both discretionary and non-discretionary management options.

Valerie Reyes is an Investment Consultant at Fidelity Investments, where she partners with clients to develop personalized financial plans that align with their goals. She aims to ensure clients feel informed, supported, and empowered to make decisions regarding their financial future. Valerie has held several roles at Fidelity Investments, including Planning Consultant from 2022 to 2025 and Relationship Manager from 2021 to 2022. Prior to joining Fidelity, she worked as a Financial Consultant at LA Pension Planners and Equitable Advisors. She holds a California Insurance License. Outside of work, Valerie enjoys board games, cooking and baking, spending time with pets, Pilates, snowboarding, and traveling.

Dylan King is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and three years of industry experience. His prior roles include positions at Edward Jones and JPMorgan Chase Bank, N.A., as well as a non-financial background working at Giovanni's Italian Restaurant. J.P. Morgan Securities 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 large institutional advisory operations with additional market-facing registrations and functions, delivering non-discretionary advisory services supported by an in-house manager solutions team and centralized due diligence.