Victor Gonzalez is a financial advisor at Ameriprise with Series 65 and Series 66 licenses and five years of industry experience. He has previously worked at Aya Healthcare, ALPS Distributors, Brandes Investment Partners, The Old Spaghetti Factory, and California State University San Marcos. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income and tax-aware withdrawal strategies.

Kha Tran is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 65 designations and 23 years of industry experience. He has worked at Charles Schwab and its affiliates since 2022 and previously spent 15 years at TD AMERITRADE Inc. 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. The firm combines non-discretionary advisory models with access to discretionary separate managed accounts and maintains a centralized operational platform for custody, order routing, and alternative investment due diligence.

Jose Hernandez Jr. is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank since 2015. Outside of advising, he manages rental properties in the San Diego area. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and serves clients through a broad range of retail and institutional investment offerings.

Richard Reimers is a CFP® with 30 years of industry experience, currently serving as a financial advisor at LPL Financial since 2023. He previously worked at Stifel Nicolaus & Co Inc for 14 years, Wells Fargo Clearing for one year, and A. G. Edwards & Sons, Inc. for 11 years. He also acts as a trustee for family investment trusts. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives.

Jonathan Bourgeois is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2011. Outside of financial advising, he serves as a business development consultant for HL Welding Inc. and owns JB Bourgeois LLC. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Matthias Jimenez is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at JPMorgan Securities LLC and JPMorgan Chase Bank, N.A. He is based in Coronado, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager and fund searches, and customized performance reporting through its Institutional Consulting Services program. The firm uses quantitative asset-allocation modeling paired with centralized due diligence and applies an ESG eligibility framework in its recommendations.

Hao Hoang is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 16 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC and Wells Fargo Bank, N.A. He is based in Escondido, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Joseph White is a CFP® with 23 years of industry experience, currently serving at Wells Fargo Clearing since 2016. Prior to this, he worked at Wells Fargo Advisors LLC for nine years. He co-owns a rental property in Escondido, CA, which he manages with minimal time commitment outside of trading hours. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Jeffrey Nessia is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. Prior to joining Wells Fargo Clearing in 2023, he worked at J.P. Morgan Securities for 11 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ethan Lagasse is a financial advisor at OSAIC with one year of industry experience. He holds a Series 66 designation and has previously worked at Lincoln Financial Advisors and The Spot. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, using a range of investment tools and third-party platforms to construct and manage portfolios across multiple asset classes.

Michael Marangola is a CFP® and ChFC® with 26 years of industry experience. He is currently an advisor at LPL Financial and has previously been associated with FSC Securities Corporation and OSAIC. He is the owner and president of Marangola Financial Group, which also provides income tax preparation services. 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 services including financial planning, model portfolio programs, and third-party asset management across various platforms.

Christopher Gregson is a financial advisor with LPL Enterprise in San Diego, CA, holding a Series 66 credential. He has been with LPL Enterprise since 2025 and has prior experience in roofing and insurance services. Gregson is involved with Emerald Street Capital and has a longstanding role at I-Surance Insurance Services. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, corporate, and charitable entities. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

David Smith is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch for the past 15 years. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jason O Reilly is a financial advisor with LPL Financial based in San Diego, CA. He holds Series 63 and Series 66 licenses and has seven years of industry experience. Prior to joining LPL, he worked at HSBC Bank USA, N.A., HSBC Securities (USA) Inc., Wells Fargo, and Citibank. He is also dual-hatted as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products and services alongside his registered representative role. 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, and institutional platforms, supporting advisors with research and operational tools while managing over $819 billion in discretionary assets.

Erik Karlson is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Naief Al Chaikh is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and having 15 years of industry experience. His prior experience includes roles at Ameriprise and Comerica Securities, where he worked for nine years. He is also involved with Comerica Bank through outside employment related to financial advisory activities. 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 range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing model portfolios, customized strategies, and various operational tools across a broad network of investment adviser representatives.

Nicholas Fragoso is a financial advisor at Osaic with five years of industry experience. He holds Series 63 and Series 66 credentials and has worked at San Diego Tax & Wealth Management and under his own sole proprietorship, providing financial planning, income tax preparation, and life insurance services. Fragoso also operates an S-Corporation offering investment advice, financial planning, and tax preparation. OSAIC serves a broad range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to manage portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Julia Farag is a CFP® and Series 66 licensed financial advisor with one year of industry experience. She is currently with Cetera and previously worked at Fonte Financial Advisors for three years. Outside of her advisory role, she serves as Vice President of the nonprofit board for Kai Elua Outrigger Canoe Club. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various program options, including discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Tracie Dasilva is a Wealth Management Advisor associated with Merrill Lynch Wealth Management. She contributes to personal planning and wealth management with a focus on integrity, transparency, and client education to foster long-term multigenerational relationships. While specific details about her individual experience, education, or community involvement were not provided, Tracie's role situates her within a practice that emphasizes comprehensive, client-centric strategies tailored to personal goals and values.

Ryan Barnhill is a Series 66 licensed advisor at LPL Financial with 12 years of industry experience. He previously worked at Edward Jones for nine years before joining LPL Financial in 2023. Barnhill also operates Barnhill Wealth Management, a DBA for his LPL business. 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.