Heidi Fifield is a financial advisor with Ameriprise in Solana Beach, CA, holding a Series 66 designation and bringing eight years of industry experience. Her prior roles include positions at OSAIC, Woodbury Financial Services, and First Command. In addition to her advisory work, she is a Certified Divorce Financial Analyst and assists clients with Medicare enrollment and insurance needs. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through a written Recommendation Report and ongoing advice.

Benjamin Nussbaum is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 66 licenses and with 14 years of industry experience. He has been with UBS since 2012. Nussbaum serves as treasurer and board member of the Rancho Bernardo Pop Warner 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 and offers proprietary research and affiliated banking programs.

Torrance Chaplin is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 19 years of industry experience. He previously worked for Primerica Advisors and Primerica Financial Services for over 20 years. Outside of his advisory role, he is involved in the sale of loan products and home-related services through affiliated companies. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes affiliated and third-party model portfolios.

David Wilson is a CFP® and holds a Series 66 license, with 13 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at 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. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives, demographics, and risk tolerances.

Zachary Allums is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and approximately one year of experience at the firm. Prior to joining Equitable Advisors, he worked at Allums Law, APC and was involved with OC Paddlesports. 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 LPL programs and third-party asset managers. The firm uses a hybrid referral and implementation model, tailoring services based on client goals, risk tolerance, and time horizon.

Rachel Keisling is a financial advisor at Merrill with 19 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2011. Merrill, together 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 investment strategies developed by internal Chief Investment Office teams and third-party style managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Natalie Stenehjem is a financial advisor at Osaic with eight years of industry experience. She holds a Series 66 designation and previously worked at Royal Alliance for five years. In addition to her advisory role, she is a licensed residential real estate agent and coaches a junior high girls’ volleyball team. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm combines brokerage and advisory services across multiple platforms, utilizing asset-allocation tools and third-party managers to offer customized investment solutions.

Armand Magcalas is a financial advisor at Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses with 12 years of industry experience. He has been with Morgan Stanley since 2014 and has worked at Morgan Stanley Private Bank, N.A. since 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process that includes firm-approved tools and modeling techniques.

Melissa Frazier is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 17 years of industry experience. She previously worked at UBS Financial Services for 13 years before joining LPL Financial in 2025. Frazier is also a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisers. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management approaches.

George Feliciano is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing nine years of industry experience. He previously worked at TD Ameritrade for seven years before joining LPL Financial in 2022. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and nonprofits through a national network of representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, with access to various model portfolios and research.

Jacquelyn Walker is a financial advisor at Wells Fargo Advisors with six years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Advisors since 2015. Outside of her advisory role, she is involved in modeling and brand representation, serves as a yoga instructor, works as a notary public, and provides pet care services through Rover. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services, utilizing proprietary research and tools to develop tailored recommendations for its clients.

Reza Taraz is a financial advisor with Ameriprise in Carlsbad, CA, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 1999. Outside of his advisory role, he is a board member of the Rancho Santa Fe Rotary Club and owns Taraz Administrative Services, LLC, a management consulting business. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary retirement recommendations through a centralized consulting team.

Earl Thompson III is a Series 66 licensed financial advisor at UBS Financial Services with 18 years of industry experience. He has been with UBS since 2008 and serves on the Finance Committee of Our Lady of The Rosary Catholic Church, where he participates in budgeting and financial decision-making. UBS Financial Services provides brokerage and investment advisory services to individual, corporate, and institutional clients, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services, including fiduciary financial planning and capital markets activities.

David McDonald is a financial advisor at LPL Financial with 21 years of industry experience and holds a Series 66 designation. Prior to joining LPL Financial in 2025, he worked for nine years at Eagle Strategies, NYLIFE Securities LLC, and New York Life Insurance Company. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning and a range of advisory programs, including discretionary and non-discretionary management, supported by proprietary and third-party research.

Jeremiah Doran III is a ChFC® with 41 years of industry experience. He is currently with OSAIC and previously worked at Securities America Advisors, Inc. and Securities America, Inc. for over two decades combined. Outside of his advisory role, he advises and sells insurance and annuities through his involvement with Capital Benefits. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of integrated brokerage and advisory services, employing various asset allocation tools and third-party platforms to manage portfolios across multiple asset classes.

Jeffrey Ott is a financial advisor with Cetera who holds a Series 63 designation and has 42 years of industry experience. He has worked at various firms including First Allied Advisory Services and Volker Financial. Outside of his advisory work, he serves as treasurer of the Tierrasanta Kiwanis Club/Foundation, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a large network of independent advisors and utilizes a multi-manager platform with diverse program options and affiliated partnerships.

Laheeb Karana is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. He holds a Series 66 designation and has worked with various Wells Fargo entities since 2008. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Kelly Rhine is a financial advisor with LPL Financial in Spring Valley, CA, holding Series 65 and Series 63 credentials and 12 years of industry experience. Prior to joining LPL Financial in 2025, Kelly worked at CUSO Financial Services, LP for nine years and has also been affiliated with NASA Federal Credit Union since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a large network of investment adviser representatives. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with model portfolios and research from various sources.

Susan Fargo is a CFP®-certified financial advisor with 25 years of industry experience. She is currently affiliated with LPL Financial and San Diego County Credit Union, where she has held roles since 2006 and 2021, respectively. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by a range of model portfolios and research.

Deanna Hang is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. She has been with Ameriprise and its predecessor firm since 2006. Outside of her advisory role, she has interests in real estate ownership. Ameriprise is an institutional firm that offers retirement-income planning services primarily for individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficient strategies to provide tailored, non-discretionary recommendations, supported by a centralized consulting team and algorithmic tools.