Matthew Henry is a financial advisor at OSAIC with nine years of industry experience. He has held roles at independent capital management since 2016 and Sagepoint Financial, Inc. from 2016 to 2023. He serves on the board of directors for Water 4 Life Global, a nonprofit organization providing clean water to underprivileged communities worldwide. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services utilizing asset-allocation tools and access to third-party managers to construct diversified portfolios across various asset classes.

Cesar Padilla is a CFP®-certified financial advisor with Edward Jones, based in Chula Vista, CA, and has 31 years of industry experience. He has been with Edward Jones since 1995. Outside of his advisory role, he serves as a board member of the Kiwanis Club of Chula Vista. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment solutions, managing over $1 trillion in assets through a large network of financial advisors and branch offices nationwide.

Douglas Cochran is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA) and has a Bachelor's Degree from San Diego State University. He has more than three decades of experience in the financial industry, having started his career in 1992 as a Fixed Income Specialist at ML Stern & Company. He has held various leadership roles, including Vice President at ML Stern & Company and First Vice President at Smith Barney. At Morgan Stanley, he was promoted to Senior Vice President and later Executive Director. Currently, Douglas serves a range of clients including individuals, high-net-worth families, charitable organizations, and business clients. His expertise includes portfolio management, retirement and wealth strategies, pension consulting, and conducting educational seminars.

Nathan Tournahu is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 license and two years of industry experience. His prior roles include positions at Redwood Credit Union, Bank of America, Merrill, and The Prudential Insurance Company of America. He also worked for over a decade at Graton Resort and Casino. 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 portfolio programs, third-party asset management, and institutional platforms.

John Eyer is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 credential and 11 years of industry experience. His prior experience includes roles at TD Ameritrade, Bank of America, and Merrill. 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 related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized supervision and custody arrangements.

Glenn Morey is a financial advisor with LPL Financial in La Mesa, CA, holding a Series 63 designation and bringing 43 years of industry experience. He has been with LPL Financial and its predecessor firms since 2004 and previously worked at WS Griffith Securities, Inc. from 1998 to 2004. Outside of his advisory work, he operates a real estate rental property that is managed externally. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to third-party asset management, leveraging model portfolios, customized strategies, and technology tools to support advisors.

Bryce Porter is a CFP® with 11 years of industry experience, currently serving at LPL Financial since 2016. He also operates DB Wealth Management Group, LLC, where he has been active since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser delivering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives.

Carson Cushing is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 66 and Series 63 designations. Prior to joining Fidelity Investments in 2025, he worked at Veritude from 2016 to 2019. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, including fund advisory and model portfolio construction. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves in formal advisory roles to multiple registered investment companies.

Oliver Kearney is a Financial Advisor with Merrill Lynch Wealth Management based in La Jolla. He provides advice and guidance tailored to clients' family goals and priorities, focusing on a client-centered approach rather than market trends. He collaborates with clients to adjust financial plans as their needs and market conditions evolve. Oliver specializes in areas including corporate benefits, corporate executive services, education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, sports and entertainment, and tax minimization. He follows a disciplined process that begins with understanding clients' financial situations and what matters to their families. Oliver holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his bachelor's degree from the University of Southern California. Outside of his professional work, Oliver has been involved with the USC Alumni Association from 2020 to 2023. His personal interests include golfing, pickleball, running, skiing, spending time with family, surfing, swimming, tennis, traveling, and volleyball.

Sandra Sanchez Heredia is a financial advisor with UBS Financial Services in San Diego, CA. She holds a Series 66 designation and has five years of industry experience, including seven years at UBS Wealth Management Mexico prior to joining UBS Financial Services in 2020. UBS Financial Services Inc. 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, supported by proprietary research and a broad range of capital markets solutions.

Peter Martin is a financial advisor at UBS Financial Services with 37 years of industry experience. He has been with UBS since 2006 and also has a background at Piper Jaffray & Co dating back to 2004. He holds Series 63 and Series 65 registrations. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management, offering a range of capital markets and investment solutions.

Brian Bickford is a financial advisor at Equitable Advisors with 17 years of industry experience. He holds the Series 66 designation and has been with Equitable Advisors since 2009, including time with its predecessor, AXA Advisors, LLC. Outside of his advisory role, he is a partner in Bickford Ltd., an entity used for tax purposes. Equitable Advisors serves a wide range of clients, including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes both proprietary and third-party advisory programs and provides ERISA fiduciary services through credentialed representatives.

Gary Bjornson is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 48 years of industry experience. He has been with LPL Financial since 2004. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, including model portfolios and third-party management, supported by advanced technology tools.

Octavio Tudela is a financial advisor with Morgan Stanley Wealth Management in San Diego, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Merit Financial Group, LPL Financial, Avantax Advisory Services, and Reason Financial. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and investment analysis, with approximately $2.74 trillion in client assets under management.

Michelle Anderson is a financial advisor with LPL Financial in San Diego, CA. She holds a Series 66 designation and has six years of industry experience, including 11 years with LPL Financial. 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.

Jorge Orozco is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2014. Outside of his advisory role, he serves on the Finance Council at Christ the King Catholic Church, a nonprofit organization focused on Catholic spirituality and cultural diversity. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized manager due diligence and applies an ESG eligibility framework when recommending investment strategies.

Max Zimet is a financial advisor at Ameriprise with four years of industry experience. He holds a Series 66 designation and previously worked at JP Morgan Chase and Palomar College. Outside of Ameriprise, he is employed by SD Socal Group LLC, where he manages an advisory business. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research and modeling with tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Jason Mochi is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Morgan Stanley and Raymond James Financial. His career includes extensive roles at Morgan Stanley Private Bank and Morgan Stanley. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning, asset management, and institutional platforms, utilizing both proprietary and third-party strategies supported by advanced operational tools.

Mark Marcelo is a financial advisor at J.P. Morgan Securities with Series 63 and Series 65 licenses and four years of industry experience. He previously worked at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Services from 2021 to 2023. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework when recommending strategies.

Michael Kelly is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and over 30 years of industry experience. He previously worked at SCF Investment Advisors, INC. and SCF Securities, INC. for eight years and has operated Kelly Financial since 1995. Outside of his advisory work, he owns a pet care business called Pampered Pooch. 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 advisory and brokerage services, including financial planning, third-party asset management access, and institutional platforms, combining scale with a broad suite of financial and credit products.