Iain Reilly is a CFP® professional affiliated with Cetera, holding Series 63 and Series 65 licenses, with 34 years of industry experience. He has been with Cetera in various capacities since 2013. Outside of his advisory role, he is involved in tax preparation and research through Telesis Tax and Financial. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm provides diverse portfolio management and financial planning services through a multi-manager platform featuring both affiliated and third-party managers, supporting discretionary and non-discretionary account structures.

Jessica Konig is a financial advisor with LPL Financial based in La Jolla, CA. She holds a Series 66 designation and has experience in various roles including positions at GameStop and Symbio Financial Partners, as well as teaching roles at several educational institutions. 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, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Rachel Paulin is a financial advisor with RBC Capital Markets in San Diego, CA. She holds Series 63 and Series 65 designations and has 46 years of industry experience. She has been with RBC Capital Markets since 2014. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs with tailored strategies, combining in-house and third-party managers to provide discretionary and non-discretionary portfolio management and related financial services.

David Wiley is a Series 66-licensed financial advisor with LPL Financial, bringing three years of industry experience. He previously worked at Wells Fargo Advisors and SharesPost Inc., and held roles at the University of San Diego and De La Salle High School. Wiley is also involved with Advisors Choice Insurance Brokerage Services in a non-variable insurance capacity. 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, supported by a large network of over 22,800 advisors and advanced operational tools.

Matthew Behrendt is a CFP® professional with 10 years of industry experience, currently serving as a financial advisor at Edward Jones since 2023. His prior roles include positions at LPL Financial, Commonwealth Financial Network, Aston Carter, Independent Capital Management, and Massmutual. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,700 financial advisors.

Lee Fox is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones and ODL Services. Outside of his advisory role, Lee is involved in managing a sailboat charter business and short-term rental properties with his wife. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and advisory programs supported by structured planning tools and broad investment capabilities.

Susan Hoyt is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. Her prior positions include roles at LPL Financial LLC, Cuso Financial Services, LP, and Valic Financial Advisors. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and employs a multi-manager platform with diverse program options and custodial relationships.

Thomas Schoettle Jr. is a CFP® with 32 years of industry experience, currently affiliated with Cetera. He has operated his own financial services firm, Schoettle Financial, since 2004 and maintains a law practice under the Law Office of Thomas J. Schoettle Jr. in San Diego. In addition to his advisory work, he is a licensed attorney and a notary public. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large network of independent advisors serving individual, corporate, charitable, and institutional clients. The firm offers a variety of portfolio management and financial planning services through multiple program structures, allowing advisors to implement model portfolios, select third-party managers, or create custom strategies.

Scott Mc Ghee is a financial advisor at Morgan Stanley with six years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2019. Prior to that, he was associated with Young Life from 2015 to 2019. Outside of his advisory role, he occasionally writes online product reviews for Recreation Equipment Incorporated (REI) based on field testing. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized planning groups.

Mignon De La Torre is a Series 66-licensed financial advisor with Morgan Stanley in La Jolla, CA, and has 20 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients by providing a wide range of advisory programs, 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.

David Mcdermott is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. He has been with LPL Financial since 2012 and concurrently works with San Diego County Credit Union, where he is involved in their investment services program. Prior to these roles, he spent several years with CUSO Financial Services, L.P. 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, offering a broad range of financial planning and portfolio management solutions supported by advanced operational and research tools.

Phetpilin Phetsanghane is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. She has been with Bank of America, N.A. and Merrill since 2015. 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 a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jessica Harrigan is a financial advisor at Fidelity with 13 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at various Fidelity entities since 2013. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction. The firm combines fundamental research with quantitative and algorithmic methods, serving multiple registered investment companies and offering formally structured advisory and governance services.

Robert Kennedy is a financial advisor with Cetera based in San Diego, CA, holding the Series 66 designation and 18 years of industry experience. He has worked with multiple entities within the Cetera network since 2018 and previously spent eight years at LPL Financial. Cetera Investment Advisers LLC is an SEC-registered firm that provides services to individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning solutions through a large nationwide network of independent advisors, using a multi-manager platform that includes affiliated and third-party model portfolios and bespoke investment strategies.

Magdiel Delgado is a Series 66-credentialed financial advisor with nine years of industry experience, currently serving at UBS Financial Services since 2018. Prior to UBS, he worked at BBVA Wealth Solutions and BBVA Securities, as well as COMPASS Bank. Delgado is also an employee of an affiliated bank where he is authorized to offer banking products and services. UBS Financial Services 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, delivering advisory work through a network of advisors supported by proprietary research and model-based asset allocations.

Stephen Lafata is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and 16 years of industry experience. He has been with UBS Financial Services since 2015. UBS Financial Services Inc. serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and capital markets products through its platform.

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 at Morgan Stanley with 11 years of industry experience. He holds the Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2022, following previous roles at Wells Fargo Clearing and Wells Fargo Bank, N.A. 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 with a structured financial planning process that incorporates firm-approved tools and analysis methods, including Monte Carlo simulations and Secular Return Estimates.

Grace Kilpatrick is a financial professional with 16 years of industry experience, currently affiliated with Cetera. She holds a Series 66 designation and has previously worked at Morgan Stanley and Securian Financial Services. Outside of her advisory role, Kilpatrick serves as a Sunday school coordinator at Clairemont Lutheran Church and is a board member of FINSECA’s Women’s Community Board of Advisors. Cetera Investment Advisers LLC is a large institutional firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services accessible through over 10,000 advisors nationwide.