Jan Pretorius is a financial advisor at Ameriprise with 25 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliates since 2005. Outside of advisory work, he owns and manages business entities related to office condominium ownership and serves as an attorney-in-fact. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, known for its Premier Retirement Income service that provides customized retirement income planning through written recommendation reports and ongoing advice focused on income stability and tax-aware withdrawal strategies.

Douglas Williams is a financial advisor with Edward Jones in Alpine, CA, holding a Series 66 designation and 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jorge Gonzalez is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank, NA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Grace Kilpatrick is a financial advisor with Cetera, holding a Series 66 designation and 15 years of industry experience. She has previously worked at Morgan Stanley and Securian Financial Services and currently serves as a Sunday School Coordinator at Clairemont Lutheran Church. Kilpatrick is also a board member of Finseca’s Women’s Community Board of Advisors. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services across discretionary and non-discretionary programs.

Rick Meiss is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and 20 years of industry experience. He previously worked for SCF Investment Advisors, INC. and SCF Securities, Inc. for 10 years. Meiss also operates Meiss Wealth Management, Inc., a DBA for his LPL business. 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 consulting, supported by model portfolios, research, and various technology-driven solutions.

Kathryn Alvarez is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill since 2008. Outside of her advisory role, she serves as a notary public. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Marque Cohen is a financial advisor at UBS Financial Services with 33 years of industry experience. He has worked at UBS since 2009 and holds Series 63 and Series 65 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research, custody, underwriting, and capital markets services.

Dennis Bell is a CFP® professional at LPL Financial with 39 years of industry experience. He has been with LPL Financial since 2015 and holds Series 63 and Series 66 licenses. Outside of his advisory role, he volunteers at a nonprofit organization in San Diego. LPL Financial is an SEC-registered investment adviser and broker-dealer that provides services to individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing a range of model portfolios and research resources.

Matthew Hanson is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at Wells Fargo Clearing, J Kelly & Associates, and Sterling Wealth Strategies. He has also been affiliated with the United Church of Christ of La Mesa. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios consisting of mutual funds, ETFs, and ETPs.

Alexander Stanescu is a Series 66-licensed financial advisor at Raymond James & Associates with two years of industry experience. Prior to joining Raymond James in 2025, he worked at Commonwealth Financial Network for three years and LPL Financial for one year. He also spent nine years at San Diego State University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a nationwide adviser network.

Michael Fendley is a Wealth Management Advisor and Portfolio Manager at Merrill Lynch's Global Wealth Management Group. He works with families to help them achieve their financial goals through comprehensive wealth management, including planning, investment management, loan management, and financial services. His approach focuses on ensuring families clearly articulate and document their financial philosophies around earning, spending, saving, investing, and sharing money, aligning their financial and estate strategies with their core values. He addresses both opportunities and challenges surrounding wealth management with tailored strategies. Michael began his career with nearly ten years as a Portfolio Manager and Wealth Management Advisor at Morgan Stanley in Chicago and La Jolla before joining Merrill's San Diego office in 2008. He holds a Bachelor of Arts degree from Purdue University (1994) and earned a Certificate in Financial Planning from DePaul University in 2003. He obtained his CERTIFIED FINANCIAL PLANNER® practitioner certification in 2004, qualified for the Morgan Stanley Custom Portfolio program as a Portfolio Manager in 2007, and holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In his role, Michael manages personalized investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment approaches. When providing services through the firm's Investment Advisory Program, he may manage strategies on a discretionary basis. Outside of work, Michael's personal interests include music, spending time with family, traveling, volleyball, watching movies, and practicing yoga.

Johnathon Tang is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2022, initially serving as a Financial Consultant. Prior to that, he worked at Columbia Threadneedle Investments in roles including Regional Advisor Consultant from 2021 to 2022 and Internal Advisor Consultant from 2019 to 2021. His earlier experience includes positions at Eaton Vance and State Street. As a Certified Financial Planner®, Johnathon partners with clients to understand their financial goals and develop customized plans to help achieve them. He focuses on helping individuals and families feel comfortable and confident in their short and long term financial objectives. He holds a California Insurance License. Outside of his professional work, Johnathon's personal interests include fitness, golf, photography, running, volunteering, and yoga.

Sandy Bayne is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including First Republic Investment Management and Unionbanc Investment Services. Outside of her advisory role, she also serves as a notary on a limited basis. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Mark Sanchez is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has been with Cetera and its affiliated entities since 2026, following prior roles at Madison Avenue Securities, Mass Mutual Investors Services, MassMutual, and LPL Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform. The firm offers a range of portfolio management and financial planning services, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Jamshid Hoorfar is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. He previously worked at Prudential Insurance Company of America and PRUCO Securities, LLC for 39 years. He is president of an insurance agency affiliated with his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and research from LPL Research.

Thomas Trax is a financial advisor at LPL Financial with 32 years of industry experience and holds Series 63 and Series 66 credentials. He has been with LPL Financial since 2001. He serves as a board member for the Hillside Professional HOA, a nonprofit organization in San Diego. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by extensive research and model portfolios.

Christopher Wells is a financial advisor with RBC Capital Markets, holding a Series 66 designation and bringing 21 years of industry experience. He has worked at RBC Capital Markets since 2014 and at City National Bank since 2017. Outside of his advisory role, he is a passive owner of a real estate development and management business. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Steven Castillo is a Senior Financial Advisor based in La Jolla, California. He specializes in guiding clients through all aspects of their financial lives by utilizing a goal-based planning approach. His methodical process focuses on wealth accumulation, preservation, and transfer, integrating investment and risk management, tax minimization, and asset preservation. Steven emphasizes the importance of lifetime retirement income streams and provides tailored insurance strategies for estate planning, income replacement, and business succession. He prioritizes building long-term, multigenerational relationships with his clients and their families. Before entering financial services in 2003, Steven served as a Naval Officer for 11 years, flying the F-14 Tomcat, and continued his service as a reservist in the U.S. Navy for another 12 years, retiring as a Commander in 2010. His financial career began at MassMutual Life Insurance Company and Smith Barney before joining Merrill Lynch in 2009. He holds an Associate's Degree from the College of San Mateo and a Bachelor's Degree from San Diego State University, and he is a Personal Investment Advisor (PIA). Outside of work, Steven enjoys landscape photography and staying active through activities such as CrossFit, running, skiing, and backpacking. He lives in the Carmel Valley neighborhood of San Diego with his wife Tamara and their four children, raising twin sons and cherishing time with their older daughters.

Hector Ramirez is a financial advisor with Primerica Advisors in Chula Vista, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior work includes roles at Century 21 Award, Edward Jones, and Berkshire Hathaway Home Services. He holds a real estate license in California, currently inactive. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Jeffrey Dunigan is a financial advisor at UBS Financial Services with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2010. Dunigan serves on the audit committee of the Balboa Park Cultural Partnership and acts as Secretary and CFO for The William Hall & Ruth Rathell Tippett Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides portfolio management, financial planning, and capital markets services supported by proprietary research and model-based asset allocations.