Mark Huhn is a financial advisor with Charles Schwab, holding Series 63 and Series 66 licenses and having 31 years of industry experience. He has worked at Charles Schwab since 2001 and Charles Schwab Bank since 2005. Outside of his advisory role, he is involved in rental property ownership, which is primarily managed by his wife. Charles Schwab 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, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and a formal alternative-investment program.

Frank Baldwin is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 63 designation and bringing 41 years of industry experience. He has been with UBS since 2008 and previously worked at Morgan Stanley and Morgan Stanley DW Inc. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services to tailor strategies to clients’ goals and risk tolerances.

Jeffrey Brown is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and 30 years of industry experience. He previously worked at Stratos Wealth Partners, Ltd and LPL Financial, LLC. Outside of his advisory role, he is an author and book writer through JB Enterprises and serves as an advisory board member for Income Lab, a retirement income management software company, as well as a faculty member for Advisor Coaching at Client Wise. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm utilizes research and analytics from Wells Fargo Investment Institute and third parties to evaluate investment options and offers both brokerage and advisory solutions.

Jared Papin is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and over 23 years of industry experience. He has been with UBS since 2002. Outside of advising, he owns and manages short-term and long-term rental properties. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, combining institutional trading capabilities and wealth management. The firm offers proprietary research-based portfolio management and fee-based financial planning through a large network of advisors.

Anton Tkachenko is a financial advisor at UBS Financial Services with 14 years of industry experience and a Series 66 designation. His prior roles include positions at Commonwealth Financial Network, Wallick Wealth Management, LPL Enterprise, Wealthfront, and Wedbush Securities. He is based in La Jolla, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services supported by proprietary research and model-based asset allocation.

Gay Reeves is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with LPL Financial since 2003 and previously worked at UBS Financial Services from 2001 to 2003. Outside of advising, she is involved with affiliated insurance agencies connected to her advisory business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing various models and strategies alongside operational and research support tools.

Shawna Partain is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. Her prior roles include positions at Merrill, Muirwood Private Wealth, and Wells Fargo Investments. She is also engaged with Mechanics Bank alongside her advisory work. LPL Financial is a national broker-dealer and registered investment adviser serving individuals, institutions, and retirement plan participants, offering a range of financial planning and investment management services through a large network of advisors.

Debra Patterson is a financial advisor with Equitable Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and 39 years of industry experience. She has been with Equitable Advisors and its predecessor firm Axa Advisors since 1999. Patterson serves as a board member of the Copley-Price Family YMCA and is board member emeritus of the San Diego Humane Society. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management programs to individuals, pension and profit-sharing plans, corporations, and charitable organizations. The firm works through a network of Investment Adviser Representatives offering various advisory models, including third-party asset managers and LPL-sponsored programs.

Inna Kelly is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and with 28 years of industry experience. Her prior work history includes roles at Citigroup Global Markets before joining Morgan Stanley in 2009. She is also involved in property management through several real estate LLCs. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning approach includes structured discovery conversations and firm-approved tools, serving clients primarily in an advisory capacity.

Tan Nguyen is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 credentials and bringing 16 years of industry experience. His career includes roles at Cambridge Investment Research Advisors since 2017 and prior experience at National Planning Corporation and Trilogy Financial Services. Outside of his advisory role, Nguyen is an independent insurance agent. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors such as pension and charitable organizations. The firm offers financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of Financial Professionals and manages a multi-billion dollar asset base across multiple platforms and custodians.

Nathaniel Ihm is a financial advisor with LPL Financial, holding a Series 66 designation and 12 years of industry experience. He has been with LPL Financial since 2014 and briefly worked at Independent Financial Group, LLC the same year. Outside of advising, he is involved with Crown City Financial Services, LLC dba Westax, a tax preparation and accounting business. 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 portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Brian Kettmann is a financial advisor at Wells Fargo Advisors with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Morgan Stanley and J.P. Morgan Securities. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services and integrates advisory offerings with other financial products and referral channels.

Enola Gay Kipte is a Series 66-registered financial advisor with Edward Jones in San Diego, CA, beginning her advisory career in 2025. Her prior experience includes roles at TD Bank N.A., Federal Savings Bank, and Andrews Federal Credit Union. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies supported by a nationwide network of financial advisors and branch offices.

John Skoblar is a financial advisor at Fidelity with one year of industry experience and holds the Series 66 designation. His prior work includes roles at Crowe LLC and Cal Poly Associated Students Inc. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including discretionary portfolio management and fund advisory. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe.

Daniel Rosen is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he serves as an executor and co-executor for a trust in Massachusetts. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers diverse investment and financial product services through its extensive network.

Nicholas Lechuga is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, having also worked at Wells Fargo Bank, N.A. since 2006. Outside of his advisory role, he co-owns an online retail business selling sports equipment, toys, baseball cards, comics, and cars. 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.

Michael Dose is a ChFC® designated financial advisor with 38 years of industry experience. He is currently with Cambridge Investment Research Advisors, Inc. in San Diego, CA, having joined in 2025. His prior experience includes roles at Dempsey Lord Smith, LLC, Emerson Equity LLC, Center Street Securities, Gradient Securities, LLC, Infinity Financial Services, and LPL Financial. Outside of his advisory work, he is involved as an agent with The Retirement Strategy Connection, a business he has been associated with since 2000. Cambridge Investment Research Advisors, Inc. serves a diverse client base of individual and institutional investors, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and provides access to multiple platforms and third-party advisers, including proprietary model strategies under the Founders Gate Capital brand.

Luz De Sol Olmeda Morgan is a Financial Advisor at Merrill Lynch Wealth Management. She holds the professional designation of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA).

William Gaston is a financial advisor with Charles Schwab in La Jolla, CA, holding Series 63 and Series 66 licenses and with 19 years of industry experience. He has worked at Charles Schwab since 2011 and at Charles Schwab Bank since 2014. Outside of his advisory role, he is an owner of rental property. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset, model portfolio investment approach supported by Schwab Center for Financial Research.

Luis Franco Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and eight years of industry experience. His work history includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, MUFG Union Bank, and service in the United States Navy. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by centralized due diligence and offers broader derivatives and commodities capabilities compared to many institutional advisory programs.