Walter D'souza is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63, 65, and 66 designations and has worked at firms including Commonwealth Financial Network, Manning Wealth Management, Mutual of America Securities Corporation, and Valic Financial Advisors. Based in San Diego, CA, he occasionally provides clients annuities and life insurance upon request. OSAIC serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based asset allocation process and supports a range of portfolio management strategies delivered via affiliated broker-dealer and RIA relationships.

Sheila Braun is a financial advisor at LPL Financial with five years of industry experience and a Series 66 designation. Her prior roles include ten years at PricewaterhouseCoopers LLP and five years at Commonwealth Financial Network. She also co-founded Plan to Prosper, an ongoing business 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 financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Craig Hunter is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He worked with Wells Fargo Investments, LLC from 2001 to 2011 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he serves as a trustee and executor for a friend's estate. 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 research-driven investment strategies with a broad platform of brokerage and advisory solutions.

Theresa Kumar is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. She previously worked at U.S. Bancorp Investments and U.S. Bank for seven years before joining Wells Fargo Bank and Wells Fargo Clearing in 2023. Wells Fargo Advisors serves individual, corporate, and institutional clients by offering investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research and analytics to support diversified investment strategies.

Jennifer Clyde is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. She previously worked at Geneos Wealth Management for 14 years and has been associated with Kenny Clyde Financial since 2010, where she also serves as a notary. 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 institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies alongside various operational tools and extensive non-advisory financial activities.

Darren J Lederfine is a Series 66-credentialed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2007. He has 29 years of industry experience. Outside of his advisory role, he manages intellectual property for Continuum IP Holdings LLC, a company involved in securing provisional patent protection for an invention. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including portfolio management and financial planning. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets and investment solutions.

Alan Dehesa is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. He previously worked at E*TRADE Capital Management LLC and E*TRADE Securities LLC before joining Morgan Stanley Private Bank and Morgan Stanley in 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through various investment and planning strategies.

Matthew Hillman is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Bret Cleveland is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that include planning through its Financial Advisors and Estate Planning Strategies Group.

Kelly Egan-Thorpe is a Financial Consultant at Fidelity, where she collaborates with clients to develop financial plans tailored to their individual needs and goals. She utilizes Fidelity's resources to educate clients, enabling them to make informed financial decisions that align with their personal plans. Kelly aims to ensure that clients feel confident and comfortable with their financial strategies. Her professional experience includes serving as a Financial Consultant at Fidelity since 2025, previously working as an Investment Consultant at Fidelity Investments from 2023 to 2025, and as a Financial Advisor at Edward Jones from 2021 to 2023. She holds a California Insurance License. Outside of her professional work, Kelly has interests in beach activities, camping, food, music, pets, and soccer.

Brian Gemmell is a financial advisor at UBS Financial Services with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill and Bank of America. Outside of his advisory role, he owns Gemmell Enterprises, a sole proprietorship providing notary services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans according to clients' goals and risk tolerances.

Drue Cicchetto is a financial advisor at Fisher Investments with 14 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2011. Fisher Investments provides discretionary portfolio management to a global client base that includes institutional and private investors such as pension plans, foundations, and high-net-worth individuals. The firm employs a centralized investment approach combining quantitative screening and qualitative research to manage diversified portfolios across equity, fixed-income, and blended mandates.

William Fox is a financial advisor at LPL Financial with eight years of industry experience. He holds Series 63 and Series 65 designations and has been affiliated with LPL Financial and Educational Employees Credit Union since 2016. 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 solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and a variety of investment strategies.

Kevin Lee is a CFP® with seven years of industry experience and has been with Edward Jones since 2018. Prior to joining Edward Jones, he worked at Grassroots Outdoor Alliance and had a brief period of unemployment in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a large network of financial advisors and branch offices across the country.

Ezra Whipple is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 12 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Dunham & Associates Investment Counsel for four years and Merrill for one year. 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, supported by extensive operational and research tools.

Carlos Robert Guadalajara is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2010. He has 18 years of industry experience. He served on the board of the International Wine & Food Society of London Tijuana Chapter from 2014 to 2017. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm uses proprietary capital market assumptions and research to tailor portfolio management and financial planning services and combines institutional trading capabilities with wealth management.

Michael Legacy is a Series 66–licensed financial advisor with 13 years of industry experience, currently with Thrivent Investment Management. He previously worked at Commonwealth Financial Network for 12 years and Morgan Stanley for one year. Outside of his advisory role, Legacy serves as Vice President of Business Development at Legacy Realty, a real estate sales firm in San Diego. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive goal-based analyses without offering discretionary portfolio management or institutional advisory services.

Nicholas Hillman is a financial advisor at LPL Financial with 22 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2016. Prior to that, he worked at Securian Financial Services, Inc. from 2004 to 2006. 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, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Aidan Holechek is a financial advisor at Wells Fargo Clearing with Series 63 and Series 65 credentials. He is based in San Diego, CA, and has recently begun his career in the industry. Prior to joining Wells Fargo, his background includes roles outside finance, including work in the food service industry and periods dedicated to full-time education. 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 research from Wells Fargo Investment Institute with third-party analytics to support its investment approach.

Sarah Martin is a financial advisor at Fidelity with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Fidelity Investments in multiple roles since 2008, including her current position since 2021. Her prior experience also includes tenure at Charles Schwab and Independent Financial Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a process combining fundamental research with quantitative analysis and algorithmic portfolio construction, serving a broad client base including registered investment companies and a Charitable Gift Fund.