Cheryl Lopez is a financial advisor with Ameriprise Financial Services, holding a Series 66 credential and 22 years of industry experience. She has worked with Ameriprise and its affiliates since 2004. Lopez co-owns and manages her financial practice through an LLC and an S-Corporation, handling business operations and payroll functions. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes tailored recommendation reports and ongoing advice focused on income and tax-aware withdrawal strategies.

Manuel Castilla is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has been with UBS Financial Services since 2010 and previously worked at UBS International Inc. and Banc of America Investment Services, Inc. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client plans.

Quinn O'Connor is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, O'Connor held roles at New York Life and worked in various other capacities including at the Mineta Transportation Institute and the YMCA. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios, including multi-manager and fund-of-funds structures, and is notable for its use of systematic methodologies and a formal advisory role to multiple registered investment companies.

Dominic Randazzo is a CFP® with eight years of experience in the financial services industry. He is currently with LPL Financial and has previously worked at Oasis Wealth Partners, Commonwealth Financial Network, Lincoln Financial Advisors Corporation, and Voya Financial Advisors. Randazzo also spent 17 years at Barona Casino. He conducts fixed insurance sales as a secondary business activity. 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 technology and a large network of advisors.

Natasha Newman is a financial advisor at J.P. Morgan Securities with six years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2019, with prior roles including positions at JPMorgan Chase Bank, N.A. and 3PlxSalsa. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Benjamin Otte is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and having 10 years of industry experience. His prior firms include Commonwealth Financial Network and Kestra Financial, Inc. 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 broad range of advisory and brokerage services with various portfolio management options and utilizes technology tools to support its advisors.

Tommy Tominna is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1995. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on investment models implemented with oversight from BNY Mellon Advisors.

James Carideo III is a financial advisor with RBC Capital Markets in La Jolla, CA, holding Series 63 and Series 65 licenses and 34 years of industry experience. His career includes roles at UBS Financial Services, Robert Baird & Co., Morgan Stanley, and Citigroup Global Markets. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, tailored to clients’ risk profiles and utilizing a blend of in-house and third-party investment managers.

Christopher Pratt is a CFP® with 44 years of industry experience, currently affiliated with OSAIC since 2023. His prior roles include positions at Sagepoint Financial, Inc., Wolters, Hagar & Pratt Financial Planning, Inc., and Sentra Securities Corporation. He is president of CAP Financial Planning, a firm through which he provides personalized financial planning and portfolio management. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporate clients, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools. The firm is notable for its scale, multi-advisor platform, and complex affiliate network.

Robert Mcclinton is a financial advisor with Primerica Advisors in Spring Valley, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Primerica Advisors since 1989 and Primerica Financial Services since 1991. Outside of advising, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Leila Sharghi is a financial advisor with Equitable Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and 35 years of industry experience. She has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. She serves as vice president on the board of directors for her homeowners association and acts as co-trustee for her immediate family. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm delivers its services through a network of Investment Adviser Representatives, utilizing both firm-offered and third-party advisory programs, with a focus on matching clients to appropriate investment models and discretionarily managed portfolios.

William Perri is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 licenses and having 21 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. Outside of finance, he is a part owner of Jacobsen Perri Cellars LLC, a winery that produces and sells wine from grapes sourced in California’s Central Coast. 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. Their advisory process utilizes centralized due diligence and combines quantitative and qualitative research, with recommendations limited to eligible strategies and the potential inclusion of an ESG eligibility framework.

Deborah West is a financial advisor with Merrill and holds a Series 66 designation. She has 21 years of industry experience, including 15 years at Bank of America and Merrill. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies managed by internal investment teams and third-party style managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Manning is a financial advisor at Raymond James Financial with 40 years of industry experience. He holds a Series 63 designation and previously spent 15 years with Commonwealth Financial Network. In addition to his advisory role, he is the CEO and majority owner of The Manning Companies, which provides wealth management and retirement plan services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, high-net-worth clients, corporate pension plans, and institutional investors. The firm utilizes tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

June David Caalaman is a Series 66-licensed financial advisor with three years of industry experience. She is currently affiliated with LPL Financial and Mechanics Bank. Her prior experience includes roles at Cetera, Securities America, California Coast Credit Union, and United Cerebral Palsy. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of investment adviser representatives who utilize a variety of portfolio strategies and third-party asset management solutions.

Tracey Davis is a financial advisor at Ameriprise with 39 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Ameriprise and its affiliate since 2014. Davis serves on the Eller Alumni Advisory Council, which supports the University of Arizona's business college. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

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.