Zachary Gignac is a financial advisor with Fidelity Investments in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. Prior to joining Fidelity, he worked at The Vanguard Group from 2013 to 2023 and has experience working in hospitality as a bartender. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to a diverse clientele including retail and institutional investors, with an investment process that integrates proprietary research, quantitative analysis, and algorithmic portfolio construction.

Celine Doucet is a CFP®-designated financial advisor with 15 years of industry experience. She is currently with Cetera and has held various roles within affiliated entities since 2018. Her prior experience includes positions at Unionbanc Investment Services. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. It offers a range of portfolio management and financial planning services through a multi-manager platform, supporting discretionary and non-discretionary accounts across multiple program structures.

Todd Johnson is a financial advisor at Cetera with 25 years of industry experience. He holds a Series 66 designation and has been associated with Cetera and its affiliated firms since 2013. Johnson is also involved with Celeste Financial Group, a financial services DBA, where he performs client relations and administrative duties. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and oversees more than $256 billion in assets across a network of over 10,000 advisors.

Carey Anderson is Vice President and Financial Consultant at Fidelity Investments, a role held since 2024. Prior to this, Carey served as a Financial Consultant at Fidelity from 2019 to 2024. In this capacity, Carey works with clients to develop wealth plans and investment strategies tailored to their personal financial goals, utilizing Fidelity's platforms, research, and resources. Carey holds a California Insurance License, supporting the ability to advise clients on insurance-related financial matters. Outside of professional responsibilities, Carey enjoys activities such as beach outings, comedy, family activities, fitness, outdoor adventures, and spending time with pets.

Gregory Park is a financial advisor with LPL Financial in San Diego, CA, holding two years of industry experience. His career includes roles at Legacy Park Advisors and Considine & Considine. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services with both discretionary and non-discretionary management supported by research and model portfolios.

Christianne Hutchinson is a financial advisor at Fidelity with two years of industry experience. She holds a Series 66 designation and has worked at several firms, including Northwestern Mutual Investment Services LLC and Jonathan Murphy. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research and quantitative analysis to construct model portfolios from mutual funds, ETFs, and ETPs. The firm is noted for its use of algorithmic methods and AI in research, its registered commodity pool operator status, and its advisory role to multiple registered investment companies.

Dennis Falkowski is a financial advisor at UBS Financial Services with 36 years of industry experience. He holds a Series 63 designation and has been with UBS since 2008. Falkowski is also involved with the Falkowski Family Trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services. The firm combines institutional trading capabilities with wealth management, offering services such as fee-based financial planning, discretionary portfolio management, and capital markets activities.

Patrick Ahern is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2014 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings than typical among large institutional advisers.

Tony Truong is a financial advisor with Thrivent Investment Management in San Diego, CA. He holds a Series 66 designation and has 12 years of industry experience. Truong has been with Thrivent and its affiliated entities since 2013. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based financial planning across a broad range of topics, allowing clients to combine planning with managed-account programs under a consolidated billing option called “WealthPlan,” while keeping planning and investment management separate.

Sara De Torres is a financial advisor with LPL Financial, holding a Series 66 designation. She has been with LPL Financial since 2026 and has prior experience working with 5x Solutions and Chryssostomides Financial Services. Outside of her advisory roles, she worked at the UCLA Undergraduate Writing Center for two years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, and institutions. The firm provides a range of advisory programs, financial planning, and retirement consulting with both discretionary and non-discretionary management options, supported by research and third-party investment strategies.

Andrew Ratner is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 63 designation and 39 years of industry experience. He has been with UBS since 1994. Outside of his advisory role, he serves on the boards of the National Conflict Resolution Center and the Jewish Community Foundation, where he also chairs a committee, and participates in the finance committee of La Jolla Country Day School. 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 leverages proprietary research and model-based asset allocations to tailor client solutions.

Rhonda Mills is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 37 years of industry experience. She has worked at San Diego County Credit Union and LPL Financial since 2016. 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 of investment adviser representatives. The firm offers a range of financial planning and advisory services, including model portfolios, retirement plan consulting, and brokerage services.

Ryan Scherer is a Series 66-credentialed financial advisor with 11 years of industry experience. He has worked with Cetera and its affiliated entities since 2018, following prior roles at Scottrade and Wells Fargo Advisors. He is currently based in San Diego, CA. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, operating a multi-manager platform that includes affiliated and third-party model portfolios, automated allocations, and bespoke strategies.

Selena Valencia is a Wealth Management Planning Consultant at Fidelity Investments, a role she has held since 2025. She has been with Fidelity Investments since 2018, progressing through various positions including Planning Consultant, Relationship Manager, Financial Representative, and Customer Experience Associate. Throughout her career, Selena focuses on helping families with their unique goals and strategies, emphasizing trust and honesty in her professional approach. She holds a California Insurance License. Outside of her professional work, Selena has interests that include attending concerts, outdoor adventures, spending time with pets, traveling, and practicing yoga.

Virginia Lawrence is a financial advisor at Morgan Stanley with 23 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including customized financial planning supported by structured discovery and advanced modeling tools.

Cameron Henderson is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides financial guidance and support to clients, helping them manage their wealth and achieve their financial objectives. Cameron Henderson holds a Bachelor's Degree from San Diego State University.

Charles Russell is a financial advisor at LPL Financial with four years of industry experience and holds a Series 66 designation. He previously worked at Merrill and Bank of America, and before entering finance, he was involved with Mantra Yoga, Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a national network of advisers. The firm offers a broad range of advisory programs and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Carlos Alonso is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2010. Outside of his advisory role, he is a trustee of a family living trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Vincent Croom is a CFP® professional with 22 years of industry experience, currently serving at Cambridge Investment Research Advisors since 2012. He operates a personal finance blog called The Financial Effect, where he is CEO and co-hosts related events. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent Financial Professionals, employing a range of investment strategies across multiple platforms.

Cristina Jimenez is an Investment Consultant currently working at Fidelity Investments since 2025. She focuses on helping clients make informed financial decisions through planning-focused conversations aimed at defining their goals and creating tailored strategies. Her professional experience includes roles as a Financial Advisor at Aurora Wealth Advisors from 2020 to 2025 and as a Paraplanner at Ameriprise from 2012 to 2020. Cristina holds a California Insurance License. Outside of her professional work, Cristina has personal interests that include baseball, cooking and baking, family activities, outdoor adventures, running, and traveling.