Christina Coles is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and three years of industry experience. Prior to joining LPL Financial, she worked for ten years at Barona Resort and Casino. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational tools and oversight of more than $819 billion in discretionary assets.

Christian Edward Seiber is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Prior to joining UBS, he worked at CETERA Advisor Networks LLC and has held roles outside finance at Sully Entertainment Group and The BXNG Club. He also has experience with the City of Del Mar. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining model-based asset allocations and proprietary research to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets solutions.

Irene Albon is a financial advisor at Cetera with 12 years of industry experience. She holds a Series 65 credential and has worked at several firms including LPL Financial for 16 years and First Allied Advisory Services. She is based in San Diego, CA. Cetera Investment Advisers LLC serves individuals, employer-sponsored 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, utilizing multiple program structures and a multi-manager platform.

Bayley Thomas is a financial advisor at UBS Financial Services with five years of industry experience. He holds the Series 66 designation and has worked at UBS and Thrivent Financial since 2021. His prior roles include positions with Hardwood Society, Sawdust Festival, and University of California, Irvine. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor financial plans to clients’ goals and risk tolerances.

Maksim Ivanchuk is a financial advisor with Edward Jones in San Diego, CA, holding Series 66 and Series 63 licenses and totaling five years of industry experience. His prior roles include positions at Ameriprise, North Island Credit Union, BBVA/PNC, and US Bank. Outside of his advisory work, he is starting a side business focused on buying and selling used cars on weekends. Edward Jones is a full-service wealth management firm that serves individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a large network of advisors and branch offices nationwide.

March Doolittle is a Series 66 credentialed financial advisor with LPL Financial, based in San Diego, CA. She has eight years of experience at LPL Financial and three years of industry experience overall. 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, model portfolio programs, third-party asset management, and institutional platforms.

Fred Berry is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 1995, he has worked with high net-worth clients to address their complex financial needs, specializing in portfolio construction and retirement income planning. Fred's approach emphasizes a personalized strategy designed to help clients pursue their long-term goals through a comprehensive understanding of their full financial picture. With over 30 years of industry experience, Fred provides tailored wealth management strategies focused on portfolio development, liability management, tax minimization, and asset preservation. His expertise encompasses areas such as college education planning, divorce transition planning, family wealth management, defined benefit plan services, personal retirement planning, portfolio management, special needs planning, women and wealth, tax minimization, and retirement income. Fred holds the Professional Investment Advisor (PIA) designation. Fred earned his bachelor's degree in Economics with an emphasis in International Finance from the University of California, Santa Barbara. He lives in Encinitas, California with his wife and two daughters. Outside of work, he enjoys golfing, skiing, and spending time with his family. He is actively involved in his community through volunteer work.

Walter D'souza is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63, 65, and 66 designations and has worked at firms including Commonwealth Financial Network, Manning Wealth Management, Mutual of America Securities Corporation, and Valic Financial Advisors. Based in San Diego, CA, he occasionally provides clients annuities and life insurance upon request. OSAIC serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based asset allocation process and supports a range of portfolio management strategies delivered via affiliated broker-dealer and RIA relationships.

Sheila Braun is a financial advisor at LPL Financial with five years of industry experience and a Series 66 designation. Her prior roles include ten years at PricewaterhouseCoopers LLP and five years at Commonwealth Financial Network. She also co-founded Plan to Prosper, an ongoing business venture. 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 management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customized strategies.

Craig Hunter 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 worked with Wells Fargo Investments, LLC from 2001 to 2011 before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he serves as a trustee and executor for a friend's estate. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines research-driven investment strategies with a broad platform of brokerage and advisory solutions.

Theresa Kumar is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. She previously worked at U.S. Bancorp Investments and U.S. Bank for seven years before joining Wells Fargo Bank and Wells Fargo Clearing in 2023. Wells Fargo Advisors serves individual, corporate, and institutional clients by offering investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research and analytics to support diversified investment strategies.

Jennifer Clyde is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. She previously worked at Geneos Wealth Management for 14 years and has been associated with Kenny Clyde Financial since 2010, where she also serves as a notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies alongside various operational tools and extensive non-advisory financial activities.

Darren J Lederfine is a Series 66-credentialed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2007. He has 29 years of industry experience. Outside of his advisory role, he manages intellectual property for Continuum IP Holdings LLC, a company involved in securing provisional patent protection for an invention. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including portfolio management and financial planning. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets and investment solutions.

Alan Dehesa is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. He previously worked at E*TRADE Capital Management LLC and E*TRADE Securities LLC before joining Morgan Stanley Private Bank and Morgan Stanley in 2022. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides services through various investment and planning strategies.

Matthew Hillman is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Bret Cleveland is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that include planning through its Financial Advisors and Estate Planning Strategies Group.

Kelly Egan-Thorpe is a Financial Consultant at Fidelity, where she collaborates with clients to develop financial plans tailored to their individual needs and goals. She utilizes Fidelity's resources to educate clients, enabling them to make informed financial decisions that align with their personal plans. Kelly aims to ensure that clients feel confident and comfortable with their financial strategies. Her professional experience includes serving as a Financial Consultant at Fidelity since 2025, previously working as an Investment Consultant at Fidelity Investments from 2023 to 2025, and as a Financial Advisor at Edward Jones from 2021 to 2023. She holds a California Insurance License. Outside of her professional work, Kelly has interests in beach activities, camping, food, music, pets, and soccer.

Drue Cicchetto is a financial advisor at Fisher Investments with 14 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2011. Fisher Investments provides discretionary portfolio management to a global client base that includes institutional and private investors such as pension plans, foundations, and high-net-worth individuals. The firm employs a centralized investment approach combining quantitative screening and qualitative research to manage diversified portfolios across equity, fixed-income, and blended mandates.

William Fox is a financial advisor at LPL Financial with eight years of industry experience. He holds Series 63 and Series 65 designations and has been affiliated with LPL Financial and Educational Employees Credit Union since 2016. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and a variety of investment strategies.

Kevin Lee is a CFP® with seven years of industry experience and has been with Edward Jones since 2018. Prior to joining Edward Jones, he worked at Grassroots Outdoor Alliance and had a brief period of unemployment in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a large network of financial advisors and branch offices across the country.