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 at LPL Financial with 14 years of industry experience. She holds a Series 66 designation and has been associated with LPL Financial since 2024. Prior to joining LPL, she worked at Geneos Wealth Management and has operated Kenny Clyde Financial since 2010, where she also serves as a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by internal and third-party research.

Darren J Lederfine is a financial advisor with UBS Financial Services in Minneapolis, MN, holding a Series 66 designation and 28 years of industry experience. He has been with UBS since 2007. Outside of his advisory role, he manages intellectual property holdings through Continuum IP Holdings LLC, an IP holding company preparing for provisional patent protection. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including portfolio management and fee-based financial planning. The firm combines institutional trading capabilities with wealth management, offering proprietary research and a broad suite of capital markets and custody services.

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 13 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2011. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative screening and qualitative research to construct diversified portfolios and uses various risk management strategies including tax-aware processes and defensive tactics.

William Fox is a financial advisor at LPL Financial with eight years of industry experience. He holds Series 63 and Series 65 licenses. His work history includes multiple roles at LPL Financial since 2017, along with experience at Educational Employees Credit Union and Fresno Pacific University. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from internal and third-party sources.

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.

Ezra Whipple is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and having 12 years of industry experience. Prior to joining LPL Financial in 2019, he worked for Dunham & Associates Investment Counsel from 2014 to 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management strategies supported by proprietary and third-party research.

Carlos Robert Guadalajara is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2010. He has 18 years of industry experience. He served on the board of the International Wine & Food Society of London Tijuana Chapter from 2014 to 2017. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm uses proprietary capital market assumptions and research to tailor portfolio management and financial planning services and combines institutional trading capabilities with wealth management.

Michael Legacy is a financial advisor at Thrivent Investment Management with 13 years of industry experience. He holds the Series 66 designation and has previously worked with Commonwealth Financial Network. Outside of advising, he serves as Vice President of Business Development at Legacy Realty in San Diego. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm focuses on holistic, goal-based financial planning without discretionary trading authority, and offers clients the option to combine planning with managed-account services under its WealthPlan program.

Nicholas Hillman is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and has been with LPL Financial since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base that includes individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management along with research-supported model portfolios and various investment strategies.

Aidan Holechek is a financial advisor at Wells Fargo Clearing in San Diego, CA, holding Series 65 and Series 63 licenses. He began his career at Wells Fargo in 2026 and has prior experience in various roles, including self-employment and full-time education. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing roughly $671 billion in assets across more than 14,000 advisors.

Sarah Martin is a financial advisor at Fidelity with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Fidelity Investments in multiple roles since 2008, including her current position since 2021. Her prior experience also includes tenure at Charles Schwab and Independent Financial Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a process combining fundamental research with quantitative analysis and algorithmic portfolio construction, serving a broad client base including registered investment companies and a Charitable Gift Fund.

Blake Davidson is a financial advisor at LPL Financial with seven years of industry experience. He holds a Series 66 designation and previously worked at Morgan Stanley and UBS Financial Services. His background also includes roles with Associated Students, Inc. and California Polytechnic State University. 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, and retirement plan consulting, supported by research and model portfolios.

Matthew Henry is a financial advisor at OSAIC with nine years of industry experience. He has held roles at independent capital management since 2016 and Sagepoint Financial, Inc. from 2016 to 2023. He serves on the board of directors for Water 4 Life Global, a nonprofit organization providing clean water to underprivileged communities worldwide. OSAIC Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services utilizing asset-allocation tools and access to third-party managers to construct diversified portfolios across various asset classes.

Cesar Padilla is a CFP®-designated financial advisor with Edward Jones in Chula Vista, CA, holding 30 years of industry experience. He has been with Edward Jones since 1995. Outside of his advisory role, he serves as a board member of the Kiwanis Club of Chula Vista. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets through a large network of advisors and branch offices nationwide.

Douglas Cochran is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA) and has a Bachelor's Degree from San Diego State University. He has more than three decades of experience in the financial industry, having started his career in 1992 as a Fixed Income Specialist at ML Stern & Company. He has held various leadership roles, including Vice President at ML Stern & Company and First Vice President at Smith Barney. At Morgan Stanley, he was promoted to Senior Vice President and later Executive Director. Currently, Douglas serves a range of clients including individuals, high-net-worth families, charitable organizations, and business clients. His expertise includes portfolio management, retirement and wealth strategies, pension consulting, and conducting educational seminars.