Estela Maria Carvalho Almeida is a financial advisor with Charles Schwab who holds a Series 66 designation. She has been in the industry since 2025 and previously worked at San Diego County Credit Union and Uber Eats. Based in La Jolla, CA, Almeida has experience in diverse fields including financial services and customer-focused roles. Charles Schwab & Co., Inc. serves primarily 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 offers a mix of non-discretionary and discretionary investment guidance using multi-asset model portfolios and centralized operational support.

Wenduo Guo is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He previously worked at First Command Advisory Services and its affiliated firms from 2016 to 2019 before joining Cambridge in 2019. Guo is also an independent insurance agent associated with Fortress Brokerage. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and provides access to multiple investment platforms, proprietary model strategies, and third-party advisers.

Travis Lewis is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and over 23 years of industry experience. He has worked at several firms including Commonwealth Financial Network and Securities America Advisors, Inc. In addition to his advisory work, Lewis co-owns several businesses related to tourism and charter services in Ketchikan, Alaska. 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 other institutions. The firm offers various financial planning and investment management solutions through a large network of advisors supported by research, technology tools, and a comprehensive platform including related financial products and services.

Dustin Rief is a Certified Financial Planner (CFP®) with 23 years of industry experience. He has worked at UBS Financial Services since 2019 and previously spent time at Mercer Global Advisors Inc. and Mercer Advisors. He is based in San Diego, CA. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management through proprietary research and a broad service platform.

Tian Lin is a financial advisor with Charles Schwab & Co., Inc. in San Diego, CA, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Charles Schwab, Lin spent time in full-time education and worked in early childhood education and homemaking roles. Charles Schwab & Co., Inc. serves primarily 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’s investment approach combines non-discretionary advisory relationships with access to discretionary separately managed accounts and multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Steven Lahre is a financial advisor with RBC Capital Markets in San Diego, CA, holding Series 63 and Series 65 designations and bringing 47 years of industry experience. His career includes roles at City National Bank, Morgan Stanley, and Citigroup Global Markets. He serves as a mentor and advisory board member for the San Diego High School Academy of Finance. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles using both in-house and third-party investment managers.

Luke Ervin is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves as a board member and Treasurer for the La Jolla Golden Triangle Rotary Club Foundation. UBS Financial Services 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, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Brian Duckworth is a financial advisor with Equitable Advisors, holding a Series 66 designation and 17 years of industry experience. His prior roles include work at TIAA-CREF from 2016 to 2020 and earlier years at Equitable Advisors from 2009 to 2016. Outside of his advisory work, he serves as a trustee for both an immediate family trust and a personal living trust. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, offering financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives. The firm utilizes a range of advisory models and relies on third-party program sponsors and affiliated asset managers to deliver investment solutions.

Emilia Rivera is a financial advisor at Morgan Stanley with 7 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s approach incorporates structured discovery conversations and firm-approved planning tools, utilizing various modeling techniques to support client planning.

Ryan Rose is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. He is also involved in group insurance through Chubb. LPL Financial is a national broker-dealer and 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 and model portfolio programs, supported by a large network of advisors and various institutional platforms.

Chris Jalonen is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Sagepoint Financial, Inc., OSAIC Services, Inc., and Sentra Securities Corporation. In addition to his advisory work, he sells life and health insurance to mostly existing clients through a sole proprietorship. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations. The firm offers a multi-advisor platform with services ranging from comprehensive financial planning to advisor-managed portfolios, emphasizing model-based asset allocation and portfolio optimization.

Adrijan Lubura is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity in 2025, he worked at DoorDash and operated a music recording studio, Switchboard Studios, where he was the sole proprietor. He continues to operate Switchboard Studios, providing music recording and mixing services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory work for registered investment companies and charitable funds. The firm employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction.

Mitchell Severe is a financial advisor with LPL Financial based in San Diego, CA. He holds the Series 66 designation and has experience spanning various industries, including education and cannabis-related businesses, before joining LPL Financial in 2024. Prior to his current role, he worked with firms such as No Till Kings, Columbia Care, and MedMen. 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 services, including model portfolios, third-party asset management, and institutional platforms.

Nathan Medina is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. He previously worked at Merrill from 2001 to 2003 before joining LPL Financial in 2003. Medina is also involved in tax preparation and planning through his separate business, Nathan Medina Tax Services. 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 and access to various managed portfolio programs, utilizing both proprietary research and third-party strategies.

Jeffrey Hoehner is a financial advisor with Cetera, holding the Series 66 designation and bringing 20 years of industry experience. He has worked at Cetera and its related entities since 2020 and previously spent seven years at WBB Securities. Outside of advising, he is also involved in the sale of fixed insurance products, including life and annuities. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporations, and institutional accounts. The firm offers multi-manager investment platforms with discretionary and non-discretionary portfolio management, financial planning, and access to affiliated and third-party money managers across various program structures.

Marci Mauro is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and six years of industry experience. She has worked at Wells Fargo and its affiliates since 2017 and previously at Pacific Southwest Realty Services. Outside of her advisory role, she coaches a functional interval training program at Bay Club Carmel Valley. 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 advice. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options within its investment menus.

Lawrence Potomac is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked with LPL Financial since 2009 and previously spent 14 years at Financial Insight Corporation. 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 portfolio programs, third-party asset management, and institutional platforms.

Danielle Stanton is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has been with LPL Financial and its predecessor firms since 1999. Outside of her advisory work, Stanton is involved in direct sales of jewelry through Plunder Designs and serves as a representative for Blossom Valley Residential Care. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plans, 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 technology and operational resources.

Michael Heidtbrink is a financial advisor with Thrivent Investment Management in Santee, CA, holding Series 63 and Series 66 licenses and 35 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory work, he serves as a lay minister at Atonement Lutheran Church, assisting with monthly communion services and participating in church board meetings. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based analyses and written recommendations across a broad range of financial planning topics. The firm offers these services through a network of advisors but does not provide discretionary trading authority or institutional portfolio management.

Ryan Chavez is a CFP® certificant with nine years of industry experience. He is currently with Wells Fargo Clearing Services and has been affiliated with Wells Fargo Bank since 2008. Based in San Diego, CA, he holds multiple securities licenses including Series 63, 65, and 66. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.