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 in La Jolla, CA, holding Series 63 and Series 65 licenses and 43 years of industry experience. His prior roles include positions at UBS Financial Services and Citigroup Global Markets, spanning over 14 years before joining Wells Fargo. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients through investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and offers a combination of discretionary and non-discretionary retirement plan services supported by research from the Wells Fargo Investment Institute.

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 at LPL Financial with Series 66 registration and one year of industry experience. She has held roles at 5x Solutions and Chryssostomides Financial Services since 2025. Outside of financial advising, she worked at the UCLA Undergraduate Writing Center from 2022 to 2024. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving 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.

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 in Chula Vista, CA, holding Series 63 and Series 65 designations and bringing 37 years of industry experience. Her prior roles include positions at San Diego County Credit Union, U.S. Bancorp Advisors, Merrill, WFP Securities, and Zions Capital Advisors. 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 portfolios, third-party asset management, and institutional platforms.

Ryan Scherer is a financial advisor with Cetera who holds a Series 66 designation and has 12 years of industry experience. His work history includes roles at Scottrade, Wells Fargo Clearing, and multiple Cetera entities since 2018. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supported by over 10,000 advisors and more than $256 billion in assets under management.

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 with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2011 and previously held roles at Wells Fargo Clearing, Wells Fargo Investments, LLC, and Banc of America Investment Services, Inc. Morgan Stanley Wealth Management is a large, SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and research to support its advisory process.

Cameron Henderson is a Financial Advisor with Merrill Lynch Wealth Management. He specializes in helping clients manage their wealth through personalized strategies tailored to their financial goals. Cameron's areas of focus include education planning, family wealth management strategies, personal retirement planning, tax minimization, and retirement income. He holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Cameron earned a bachelor's degree from San Diego State University. Outside of his professional work, he enjoys baseball, basketball, football, music, pickleball, spending time with his family, and watching movies.

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® with 22 years of experience in the financial industry, currently serving at Cambridge Investment Research Advisors since 2012. He previously worked at First Command Brokerage Services and First Command Bank. Outside of his advisory role, he operates a personal finance blog called The Financial Effect and serves as president of Croom Financial, a tax services business. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals. The firm provides access to multiple platforms, unaffiliated third-party advisers, and proprietary model strategies.

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.

Bradley Schluter is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His prior roles include work at Angel Oak Capital Advisors and TD Ameritrade. 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 advisory relationships and access to discretionary separately managed accounts supported by multi-asset model portfolios and centralized custody and operational services.

Ivan Schleder is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 25 years of industry experience. He has been with Ameriprise and its affiliated firm since 2005. Ameriprise Financial Services is a large, diversified advisory firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning advice focused on reliable income sources and tax-aware withdrawal strategies.

Beth Westburg is a financial advisor with LPL Financial, holding a Series 66 designation and 27 years of industry experience. She has worked at several firms, including Commonwealth Financial Network and Waddell & Reed. Westburg is a 50% owner of Lipman-Westburg Inc, a private entity involved in securities and advisory business. 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 supports its advisors with a range of investment strategies and operational tools while managing over $819 billion in discretionary assets through a large network of advisors.

Elia Mora is a Series 66 licensed financial advisor with nine years of industry experience, currently with Morgan Stanley in La Jolla, CA. Prior to joining Morgan Stanley in 2024, Mora worked at Merrill Lynch for twelve years and at American International Enterprises Inc DBA SD Commercial for five years. Outside of advisory work, Mora is a sole proprietor involved in property management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and economic modeling to support its financial planning services.

Matthew Nakamura is a financial advisor with Cetera who holds a Series 66 designation and has 20 years of industry experience. His prior work includes roles at M Holdings Securities and Commonwealth Financial Network. Outside of his advisory work, he owns a condominium in San Diego that is managed as a rental property. 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 range of portfolio management and financial planning services through a large network of independent advisors, utilizing multiple program structures and a multi-manager platform.

Michael Spadea is a financial advisor at Morgan Stanley with Series 65 and Series 66 credentials and one year of industry experience. His prior work includes roles at Keller Williams and Epic Financial Strategies, as well as earlier experience outside finance. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides a range of services including wrap programs and institutional investment options.