George Smith is a CFA® charterholder and holds the Series 63 license, with 12 years of industry experience. He has been with LPL Financial since 2013. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a range of strategic and tactical investment approaches supported by advanced operational tools.

Michael Welch is a financial advisor at Morgan Stanley in San Diego, CA, holding CFP®, Series 63, and Series 65 designations with 25 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers planning services both directly and through Corporate Financial Planning agreements.

Skip Kelly serves as Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2026. He has extensive experience in the financial services industry, having worked with both institutional and high net-worth clients over several decades. Prior to his current position, he was a Financial Consultant at Fidelity Investments from 2020 to 2026, Vice President at Fisher Investments from 2003 to 2020, and held various Vice President and Senior Financial Consultant roles at Morgan Stanley, Smith Barney, and Merrill Lynch dating back to 1989. Throughout his career, Skip Kelly has focused on building financial relationships grounded in honesty and trust. He emphasizes providing simple, transparent guidance based on evolving financial plans tailored to different life stages. He holds a California Insurance License.

Ryan Domenico is Vice President and Wealth Planner at Fidelity Investments. He has over 10 years of experience working with high net-worth families and institutions, focusing on providing honest and transparent guidance built on trust. Ryan partners with clients to understand their goals and help plan and fortify their financial futures through different stages of life. Prior to his current role, Ryan held various positions including Financial Consultant at Fidelity Investments from 2020 to 2025, Senior Financial Consultant at TD Ameritrade in 2019, Wealth Advisor at Pariax Private Wealth Management in 2019, and several roles at Charles Schwab between 2011 and 2019. He holds a California Insurance License. Outside of his professional work, Ryan has personal interests in fitness, food, golf, hiking, music, and traveling.

Michael Wiley is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. He has been with LPL Financial since 2013, including a brief tenure at Anchor Bay Capital in 2015. 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 provides a wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by research tools and a broad offering of non-advisory financial products.

Michael Lincoln is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. He has worked at several firms, including LPL Financial and Raymond James Financial Services, and has been president of Lincoln Capital, Inc. since 2010. Outside of financial advising, he owns a line of BBQ-themed apparel and sells fixed insurance products. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party managers.

Brad Habbestad is a Planning Consultant with Fidelity Investments, where he currently works within the Wealth Management Team. In this role, he focuses on helping clients identify planning strategies tailored to their unique financial situations. Brad's professional background includes experience as a Paraplanner at Ameriprise Financial from 2021 to 2023 and as a Relationship Banker II at JP Morgan Chase from 2017 to 2020. He holds a California Insurance License. Outside of his professional work, Brad engages in activities such as family activities, fitness, playing musical instruments, outdoor adventures, spending time with pets, and running.

Ryan Roche is the Branch Leader at Fidelity Investments, a role he has held since 2025. He focuses on empowering Investor Center associates to engage in meaningful conversations with clients and supports them in developing the skills necessary to assist local families with financial planning. Ryan has accumulated extensive experience within Fidelity Investments, progressing through various positions including Financial Consultant (2022-2025), Planning Consultant (2021-2022), Relationship Manager (2020-2021), Financial Representative (2019-2020), and Investor Center Intern (2018-2019). He holds a California Insurance License. Outside of his professional responsibilities, Ryan enjoys baseball, golf, kayaking, skiing, traveling, and volunteering.

Christian Ng is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and seven years of industry experience. He has been with UBS Financial Services since 2012. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services and provides research, custody, underwriting, and capital markets services through its platform.

Santiago Huerta is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and 13 years of industry experience. He has worked with LPL Financial since 2018 and has also been involved with Independent Capital Management since 2013. Prior to LPL, he worked at SagePoint Financial for five years. 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, and institutional platforms, combining extensive research tools with a broad array of financial services.

Kevin Wilson is a CFA® charterholder and holds Series 65 and Series 63 licenses, with 21 years of industry experience. He has worked at RBC Capital Markets since 2026 and previously held positions at Bank of America and Columbia Management Advisors. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a variety of advisory programs featuring discretionary and non-discretionary portfolio management, tailored strategies based on client risk profiles, and access to both in-house and third-party investment managers.

Peter Falk is a financial advisor with OSAIC based in La Jolla, CA, holding a Series 66 designation and 25 years of industry experience. Before joining OSAIC in 2025, he spent 25 years with Lincoln Financial Advisors Corp. He serves as co-director of education for the San Diego-based nonprofit Scope Institute, which provides educational events for business owners. He is also a trustee designated for a family trust. OSAIC Wealth serves a diverse clientele including retail investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm utilizes a model-based investment approach incorporating asset allocation, portfolio optimization, and third-party management options.

Andrew Beckstrand is a financial advisor at Charles Schwab with eight years of industry experience. He holds a Series 66 designation and has previously worked at TD Ameritrade, Fidelity Brokerage Services LLC, Cuso Financial Services, LP, and E*Trade. He is based in San Diego, CA. Charles Schwab & Co., Inc. serves a large client base of 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 affiliated discretionary separately managed accounts, supported by multi-asset model portfolios and centralized operational infrastructure.

Raquel Fang is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 licenses and 15 years of industry experience. She has been with J.P. Morgan Securities and JPMC Bank NA (Southwest) since 2016. Outside of her advisory role, she has experience as a mobile notary and has worked with the Privilege/Momentum Talent Agency. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with an ESG eligibility framework and offers unique regulatory registrations and derivatives capabilities.

Jason Silberstein is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 21 years of industry experience. He has worked at Wells Fargo since 2016, after previous roles at Morgan Stanley and Merrill. 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Oliver Polo is a Wealth Management Advisor at Merrill Lynch Wealth Management and a partner with the Mohler Polo Mofty Group based in Del Mar, California. He has been in the financial advisory industry since 2007, providing services to a select group of families and businesses. Oliver's approach involves developing a clear understanding of his clients' financial situations, goals, timelines, and risk tolerances to create personalized and efficient financial strategies. He regularly reviews these strategies to adapt to clients' changing circumstances. Oliver's areas of expertise include portfolio management, investment analysis, market-linked investments, alternative investments, and various client focus areas such as corporate executive services, family wealth management strategies, LGBT wealth planning, philanthropy, socially responsible investing, tax minimization, and retirement income. He holds several professional designations including the Chartered Financial Analyst (CFA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Oliver is a graduate of San Diego State University, where he earned a Bachelor's Degree with an emphasis in Finance. He is fluent in Spanish and engages with professional organizations such as the CFA Society San Diego. Beyond his professional life, Oliver is involved in community organizations including Feeding San Diego and Junior Achievement. He has a variety of personal interests including basketball, boxing, dancing, hiking, music, reading, soccer, spending time with family, watching movies, and practicing yoga.

Saundra Gardner is a Wealth Management Advisor with Merrill Lynch Wealth Management, where she has been serving clients since 2007. She brings over 25 years of experience in creating comprehensive wealth management strategies. Prior to joining Merrill Lynch, Saundra worked at Smith Barney, Beverly Hills as a Senior Investment Management Consultant. Her career has spanned major markets including New York, Chicago, Miami, and Los Angeles, where she has served as a Branch Manager, Licensed Securities Principle, and Registered Investment Advisor. Saundra holds a Bachelor's Degree from New Mexico State University and is a CERTIFIED FINANCIAL PLANNER® certificant. She also carries designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Saundra specializes in personalized wealth management strategies tailored to clients' unique financial goals, including retirement planning, legacy planning, portfolio management, and tax minimization. In addition to her professional work, Saundra participates in community involvement through the Community Church. Her personal interests include biking, gardening, hiking, reading, spending time with her family, and traveling.

Todd Trusso is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Altegris Investments, PRUCO Securities, and Capital Investment Advisors. He serves as Secretary and is a member of the finance committee on the Board of the Boys and Girls Club of Northwest San Diego. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary advice focused on asset allocation, investment manager searches, and customized performance reporting. The firm’s advisory process uses centralized due diligence and combines quantitative and qualitative research to build model asset allocations.

Colton Punches is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at LPL Financial and Securities America Advisors. Fidelity, through its affiliate Strategic Advisers LLC, provides investment management and advisory services to both retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to create diversified model portfolios.

Glenn Mazzone is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. 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 tailored financial planning and integrates structured discovery conversations with firm-approved planning tools.