James Atwood is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at Merrill and LPL Financial. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad 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, including discretionary and non-discretionary services, supported by a nationwide network of over 10,000 advisors.

Julian Bartolomei is a financial advisor with J.P. Morgan Securities in La Jolla, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with J.P. Morgan Securities since 2013, except for a one-year period at Morgan Stanley from 2014 to 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by a centralized manager solutions team.

Cynthia Cairo is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and bringing 30 years of industry experience. Her prior roles include positions at Securities America Advisors, Securities America Inc, and National Planning Corporation. Outside of finance, she is the owner of Studio Fusion, a dance and fitness studio in Huntington Beach, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions through a broad range of advisory and brokerage services. The firm offers various investment programs and institutional platforms, supporting advisors with research tools and multiple asset management options.

Dirk Harris is a CFP®-designated financial advisor with 18 years of industry experience. He is currently with RBC Capital Markets and City National Bank, having previously worked at Bank of America, Merrill, AlphaCore Capital, and Stanford Group Company. He holds Series 66 and Series 63 licenses. 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 multiple advisory programs with customizable investment strategies implemented through in-house and third-party managers, supported by a broad range of financial planning and custody services.

Arland Kelly is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 12 years of industry experience. He has worked at LPL Financial since 2024 and previously spent eight years with SCF Investment Advisors and SCF Securities. Kelly also operates Kelly Financial, a business he has managed since 2005, and is licensed as a non-variable insurance agent. 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 financial planning and investment management solutions, utilizing various model portfolios and third-party strategies, with support from advanced operational and research tools.

Amy Palmer is a financial advisor at Edward Jones with 18 years of industry experience. She holds a Series 66 designation and has prior experience at Essential Edge Compliance Outsourcing, Independent Financial Group, M Holdings Securities, and Commonwealth Financial Network. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Teresa Garrett is a financial advisor with LPL Financial based in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. She previously worked for CUSO Financial Services, L.P. for 12 years before joining LPL Financial in 2025. Outside of her advisory role, she is a partner in Leatherback Supply Company, a retail and wholesale business where she assists with direct sales and marketing on weekends. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advisory services delivered through a large network of investment adviser representatives using a variety of investment strategies.

Daniel Proctor is a financial advisor at LPL Enterprise with 18 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial since 2018, following a 15-year tenure at Cuso Financial Services, LP. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach and offers access to third-party asset managers, financial planning, and various affiliated financial products and services.

Walaiporn Adzema is a financial advisor at Wells Fargo Clearing with 16 years of industry experience. She holds the Series 63 designation and has been with Wells Fargo in various capacities since 2006. Based in San Diego, CA, Adzema has spent over a decade focused on advisory services within Wells Fargo Clearing. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap‑fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Dylan Devin is a financial advisor at Cetera with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2019. Prior to that, he was with Foresters Financial Services and has experience with MGM Resorts International and Aztec Shops. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining discretionary and non-discretionary services across various program structures.

Phoebe Huynh is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2023, she worked at Target for six years and was affiliated with UC San Diego for three years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive technology and operational resources.

Stephen Corbett is a financial advisor with Cetera, holding a Series 66 designation and 21 years of industry experience. His career includes roles at several Cetera entities since 2016, as well as prior experience with Girard Securities, Inc. and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered adviser serving a nationwide network of independent advisors and a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers.

Claryann Olofsson Loo is a Series 66-licensed financial advisor with LPL Financial in San Diego, CA, where she has worked since 2019. She has seven years of industry experience, including prior roles outside of financial services at Patterson Dental Supply and Vela Nuoto Ancona. 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 portfolios, third-party asset management, and institutional platforms, with technology tools supporting advisors in managing over $819 billion in discretionary assets.

Thomasina Sanchez is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Morgan Stanley Smith Barney LLC from 2009 to 2022 and Morgan Stanley & Co. LLC in 2008-2009. She also serves as a trustee for T B B Trust in Encinitas, California. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Darren Pfefferman is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets from 1994 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Sierra Gibson is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and three years of industry experience. She has worked at MML Investor Services LLC and MassMutual/Pacific Coast since 2019 and previously was employed at Primerica. Outside of advisory work, she serves as Chief Operating Officer of Troyo Mercedes Inc, a business consulting and operations management firm. Mass Mutual Investors Services is an SEC-registered broker-dealer and investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers ongoing, collaborative financial planning using firm-approved tools, with implementation of recommendations as optional and requiring separate arrangements.

Nathan Parviz is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Bank NA. He is based in La Jolla, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Xiomara Vielman is a financial advisor at LPL Financial with 24 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at firms including Clarity Financial Management, Commonwealth Financial Network, and Independent Financial Group. 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 services including financial planning, model portfolio programs, third-party asset management, and participant-level retirement advice.

Keri Kirchner is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 66 licenses and having nine years of industry experience. She has been with Ameriprise and its affiliate since 2016. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to produce written recommendation reports. The firm provides a wide range of advisory, brokerage, and insurance solutions through its affiliated entities.

Terry Lecompte is a financial advisor with Primerica Advisors based in San Diego, CA. He holds the Series 65 and Series 63 licenses and has three years of industry experience. His prior roles include work with Transamerica Financial Advisors and World Financial Group, Inc., and he has also been self-employed. Outside of advising, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors, as well as corporate and charitable clients. The firm uses model-driven strategies overseen by third-party asset managers and supports account custody through Pershing, managing approximately $15.5 billion in assets under management.