Karlee Johnson is a financial advisor with Charles Schwab, holding a Series 63 designation and 28 years of industry experience. She has been with Charles Schwab & Co., Inc. since 2003 and Charles Schwab Bank, SSB since 2005. 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 combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios, alternative investment due diligence, and integrated custody and brokerage services.

Andrew Goins is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and 12 years of industry experience. His career includes roles at PFS Investments Inc. and Primerica Financial Services, as well as work with In Home Supportive Services, Uber, and Lyft. He is involved in sales of investment-related products and also engages in part-time referrals for home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management primarily through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts under a tiered wrap-fee structure. The firm curates third-party asset managers and retains authority over model availability, using independent due diligence and delegated trading by BNY Mellon Advisors.

Pablo Serna is a financial advisor with LPL Financial in San Diego, CA, holding Series 63, 65, and 66 designations and 21 years of industry experience. His previous roles include positions at Silicon Valley Bank, SVB Wealth LLC, Boston Private Wealth LLC, and First Citizens Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services, including financial planning, retirement plan consulting, and model portfolio management supported by LPL Research and third-party subadvisors.

Taylor Parrillo is a financial advisor with Cetera, holding a Series 66 designation and seven years of industry experience. He has worked at Cetera and its affiliated entities since 2020 and previously at Bayview Asset Management. Parrillo serves on the advisory board of a nonprofit organization at the University of California, Riverside, and is involved in tax preparation services through a separate business. Cetera is an SEC-registered adviser serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and consulting services through a multi-manager platform with access to affiliated and third-party managers.

Jeremy Shaffer is a financial advisor with Charles Schwab in Vista, California, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. He has worked primarily at Charles Schwab since 2016, with brief tenures at several other firms in 2019 and 2020. Outside of his advisory role, he performs independent contracting work with Uber and DoorDash and rents vehicles through Turo. Charles Schwab & Co., Inc. serves a large client base of 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 both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a formal alternative investment process within a centralized operational framework.

Zachary Anthony is a financial advisor at Stifel with one year of industry experience. He previously worked at Whole Foods for five years before joining Stifel. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services guided by a proprietary investment methodology developed by its Investment Strategy Group.

Joseph Adamo is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory work, he is the sole proprietor of Adamo Braun LLC, a restaurant and nightclub business in Kings Beach, Lake Tahoe. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including personalized financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by structured discovery processes and firm-approved tools.

Steven Nartker is a CFP® and PFS™ professional with 17 years of industry experience. He is currently affiliated with LPL Financial and has previously worked at firms including Avantax, Cambridge Investment Research, and Cetera. Nartker also maintains a tax preparation and accounting practice in San Diego, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Robert Gilbert 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 has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Gilbert is a 50% owner of the Gilbert Family Partnership, an investment-related business he shares with his brother. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for discretionary management and a broader range of financial products than many institutional advisers.

Christopher Demmler is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he has been working since 2003. He brings over twenty years of experience in the financial services industry to his role. His areas of expertise include family wealth management strategies, institutional investment consulting, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, portfolio management services, socially responsible, values-based, and ESG investing, sports and entertainment, individual and corporate investment strategy, and retirement income. Christopher holds an MBA in Finance from Loyola Marymount University and has earned the Certified Private Wealth Advisor® designation in 2019 and the Chartered Retirement Planning Counselor™ designation in 2008. He has been recognized on the Forbes "Best-in-State Wealth Advisors" list from 2022 to 2024. Outside of his professional work, Christopher volunteers in youth sports. He enjoys playing golf and lives with his wife, Allison, and their two sons.

Nicole Carner is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding a Series 66 designation and bringing 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling as part of its financial planning process.

Lisa Licini is a financial advisor with UBS Financial Services in La Jolla, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with UBS Financial Services since 2008. 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 utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Mario Pometta III is a Series 66-licensed financial advisor with 11 years of industry experience, currently with LPL Financial. His prior experience includes roles at Redwood Credit Union, CUSO Financial Services, Sorrento Pacific Financial, and Edward Jones. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and nonprofits. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and technology-driven strategies.

Nicholas Mattlin is a financial advisor with LPL Financial based in San Diego, CA. He holds the Series 66 designation and has nine years of industry experience, including ten years with LPL Financial since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, 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 programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Danyelle Comer is a financial advisor at J.P. Morgan Securities with a Series 66 designation and over a decade of experience at JPMorgan Chase Bank, N.A. She has been with J.P. Morgan Securities since 2025. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Patrick Vande Bossche is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining LPL Financial in 2021, he worked at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Services LLC. 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 a range of advisory programs, financial planning, retirement consulting, and brokerage services with access to model portfolios, research, and various portfolio management options.

Christian Ortiz Gonzalez is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Bank of America and Merrill from 2019 to 2024. Outside of finance, he is involved in education and the arts, serving as a marching band coach and as an officer with a youth arts nonprofit organization. Morgan Stanley Wealth Management is a large institutional firm offering a wide array of advisory programs to individual and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery processes and firm‑approved planning tools.

Monica Bezy is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She previously worked at TD Ameritrade Institutional for 11 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets through a network of more than 23,700 advisors. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Crystal Locklear is a financial advisor at LPL Financial with two years of industry experience. She holds a Series 66 designation and has prior experience at Charles Schwab and ICON plc. 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 various advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from both internal and third-party sources.

Daniel Avan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a one-year tenure at Wells Fargo Advisors, LLC. Outside of his advisory role, he serves as a trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.