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.

Sandra Bazan is a financial advisor at Merrill with 22 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2006. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, pension plans, and charitable organizations. The firm’s integration with Bank of America’s broader platform allows access to a wide range of financial products and services.

Karen Mortimer is a financial advisor at Merrill with 24 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Merrill since 2009 and Bank of America since 2011. Mortimer is also involved in the San Diego community through her leadership roles in the nonprofit organization RB Sunrise Rotary, including serving as President and Finance Committee Chair. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Timothy Gardner is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement recommendations and provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Noelle Ohmann is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, she held various roles including customer service positions at The Cheesecake Factory and other companies. Outside of her advisory work, she continues to work as a waitress and delivery driver. 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 a variety of third-party programs. The firm operates a hybrid referral and implementation model, leveraging external asset managers and offering both advisory and brokerage channels.

Stasia Krahling is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors, LLC from 2012 to 2016. 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 and grounded in modern portfolio theory, with investment options that include insurance-related vehicles and bank deposit sweep programs.

Chad Anderson is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. His prior roles include positions at Digital Capital Management, Minnesota Life Insurance Co, and Morgan Stanley. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services supported by research from LPL Research and third-party subadvisors.

Joshua Dunphy is a financial advisor at Fidelity with a Series 66 credential and two years of industry experience. His background includes roles at Northwestern Mutual and Securities America, as well as experience outside finance in the food service industry and entrepreneurial ventures. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm serves as a registered commodity pool operator, advises multiple investment companies, and utilizes systematic methodologies and AI tools in its investment process.

Matthew Schrady is a financial advisor at Ameriprise with 33 years of industry experience. He has held roles at Ameriprise Financial Advisors Inc. and Ameriprise Financial Services, LLC since 2016. His credentials include Series 63 and Series 65 licenses. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized retirement income service that provides written recommendations and ongoing planning focused on dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Danielle Martinez is a financial advisor at UBS Financial Services with 8 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Morgan Stanley, Lincoln Financial Group, and the University of Hawaii at Manoa. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Lindsey Feeney is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and bringing 20 years of industry experience. She has been with LPL Financial since 2006. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Bradford Best is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 26 years of industry experience. He has held roles with several firms including First Allied Securities, Inc. and Summit Brokerage Services, Inc. He serves on the advisory council for the University of California, Irvine, reviewing continuing education programs for professionals. Additionally, he hosts a pinball streaming channel focused on entertainment and education. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services across multiple program platforms, utilizing both affiliated and third-party managers.

Alexandra Vidal is a financial advisor with LPL Financial in San Diego, CA, holding Series 65 and Series 63 credentials and bringing 22 years of industry experience. She has previously worked with firms including 1ST Global Advisors, Inc. and Householder Group Estate & Retirement Specialists. Outside of advising, she is an ordained minister and owns Trident's Theories, LLC, a research business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Stephen Cote is a Senior Financial Advisor with Merrill Lynch Wealth Management. He provides proactive financial advice and guidance to help clients manage their goals, focusing on retirement planning, investment selection, and cash management. Stephen works with affluent individuals, families, and business owners to manage, preserve, and grow their wealth in a tax-efficient manner, addressing areas such as executive compensation, legacy planning, family wealth management strategies, socially responsible investing, and retirement income. Stephen has obtained the Certified Portfolio Manager (CPM®) designation through a collaboration between the Academy of Certified Portfolio Managers and NYU Stern. He also holds the Chartered Retirement Planning Counselor™ (CRPC™) designation, emphasizing the pre- and post-retirement needs of individuals, in addition to the Personal Investment Advisor (PIA) credential. He earned a bachelor's degree from Roger Williams University. Residing in La Jolla, California, Stephen maintains a residence in the Bay Area. In his personal time, he enjoys outdoor activities including golf, volleyball, running, baseball, cooking, fishing, and competition. He is also committed to community involvement, volunteering with organizations in the communities he serves.

Victoria Sazunic is a financial advisor at Morgan Stanley with seven years of industry experience and holds the Series 66 designation. She has been affiliated with Morgan Stanley since 2003 and has served on the board of San Diego Civic Theaters since 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide array of advisory programs to individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets.

Cindy Le is a financial advisor at LPL Financial with 12 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo and San Diego County Credit Union prior to her current role. Cindy also serves as a Regional Manager at San Diego County Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs and financial planning services.

Erin Arellano is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. She has been with LPL Financial since 2014. Outside of her advisory role, she owns a transportation business that serves disabled adults and is a tax preparer and enrolled agent. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, supported by in-house and third-party research and technology-driven portfolio strategies.

Peter Mc Mahon is a financial advisor at OSAIC with 21 years of industry experience. He holds the CFP® designation and Series 63 and 66 licenses. His prior roles include positions at Lincoln Financial Advisors and J.P. Morgan Securities. In addition to his advisory work, he is licensed as an insurance agent offering disability and traditional life insurance as well as fixed and indexed annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services with a range of portfolio construction tools and access to third-party money managers and managed-account solutions.

Lisa Koyama is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. She previously worked at Wells Fargo Clearing and several firms within the Cetera network, among others. She is also a licensed notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and third-party research to support diversified investment strategies.

Michelle Gray is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. She has been with Morgan Stanley and its Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers financial plans developed through a structured process using firm-approved tools.