Carly Hall is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and five years of industry experience. She has been with Thrivent and its affiliates since 2020. Before her financial advisory career, Carly worked in healthcare-related roles at Hoag Hospital and Paloma Medical Group. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on holistic, goal-based planning across various topics and offers clients the option to combine planning with managed-account services under a consolidated billing program.

Walter Bowser II is a CFP® professional with 18 years of experience in the financial industry. He has been with Edward Jones Investments since 2007. 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 solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Tiy Oneal is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 license and over 34 years of industry experience. He previously worked at Lucia Securities, LLC, First Allied Advisory Services, Inc., and First Allied Securities, Inc. 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 variety of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Dean Zack is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 63 designation and 39 years of industry experience. He has worked at Raymond James since 2018 and previously held positions at Wells Fargo Clearing and Concurrent Advisors. He is the owner of Zack Wealth Management, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients, using analytical tools and non-discretionary advisory services tailored to client goals.

David Lu is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at Morgan Stanley & Co Inc for 10 years before joining Wells Fargo Clearing in 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

John Sundstedt is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2007. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm uses a structured financial planning process supported by firm-approved tools and provides investment advice without individual security recommendations as part of standalone planning.

Christopher Campbell is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and previously worked at Geico, Actalent, and Nordstrom Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.

Bekah Peterson is Vice President and Private Wealth Management Advisor at Fidelity Investments, a role she has held since 2025. Prior to this, she served as Vice President and Wealth Planner at Fidelity Investments from 2021 to 2025. In her current position, she partners with clients to develop tailored wealth management strategies that address the complexities and opportunities associated with significant wealth. She focuses on aligning financial plans with clients' evolving goals, including wealth preservation, philanthropic endeavors, and business transitions. Bekah holds a California Insurance License, supporting her advisory services in managing her clients' financial and insurance needs. Outside of her professional career, Bekah engages in fitness activities including scuba diving, snowboarding, yoga, and traveling.

Shannon Arballo is a Financial Advisor with Merrill Lynch Wealth Management. She is a FINRA registered advisor who emphasizes integrity and honesty while serving the best interests of her clients. Her professional approach is built on transparency, open communication, and trust, aiming to develop personal relationships with clients and provide impeccable customer service. Her expertise includes family wealth management strategies, managing new wealth, personal retirement planning, investment strategies for individuals and corporations, and a focus on women and wealth. Shannon leverages the investment insights of Merrill Lynch Wealth Management and the banking services of Bank of America to help clients pursue goals such as funding education, planning for retirement and healthcare costs, and creating personalized financial plans. She holds the designation of Personal Investment Advisor (PIA) and has completed education at Poway High School and Ashford University. In addition to her professional work, Shannon is engaged in community involvement, volunteering with organizations such as the Jacobs & Cushman San Diego Food Bank, Operation Homefront Inc., Support The Enlisted Project Inc., and the Surfrider Foundation San Diego County Chapter. Her personal interests include camping, cooking, golfing, music, spending time with family, and watching movies.

Kaitlyn Clark is Vice President and Branch Leader at Fidelity Investments, where she leads a team focused on delivering a great experience for clients. She works closely with advisers and team members to support their efforts in helping more people with their financial needs. Kaitlyn has extensive experience at Fidelity Investments, having held multiple roles since 2016. Her positions have included Financial Representative, Relationship Manager, Planning Consultant, Financial Consultant, Branch Leader, and now Vice President, Branch Leader. She holds a California Insurance License.

Maxwell Razzore is a financial advisor at Cetera with 19 years of industry experience. He holds the Series 66 designation and has worked with several firms, including LPL Financial from 2008 to 2021 and First Allied Securities from 2021 to 2022. Since 2021, he has been associated with multiple Cetera entities. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Steven Dematteo is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he has provided a short-term loan to a manufacturing business, Masterbuilt. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, employing model-based asset allocations and research to tailor client plans. The firm integrates institutional trading capabilities with wealth management services, including proprietary research and affiliated banking programs.

Raymond Seifritz is a financial advisor at LPL Financial with 17 years of industry experience. He holds the ChFC® designation and Series 66 license. Prior to joining LPL Financial, he worked at Advisor Group for 10 years and Lucia Capital Group for four years. Outside of his advisory work, he serves as a FINRA arbitrator and owns a technology and software consulting 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 services including financial planning, model portfolios, third-party asset management access, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by research tools.

David Stitt is a financial advisor at Charles Schwab with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2009. 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 offers a client relationship model that combines primarily non-discretionary advisory services with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by Schwab’s Center for Financial Research.

Philip Harrison is a financial advisor with Ameriprise in San Diego, CA, holding a Series 63 designation and over 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Harrison serves on the Board of Directors for Big Brothers Big Sisters of San Diego County. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports. The firm also delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Nicole Choi is a financial advisor with Morgan Stanley Wealth Management, holding a Series 66 designation and 17 years of industry experience. Her career includes roles at UBS Financial Services, Cetera, and LPL Financial. Outside of her advisory work, she serves as the sole trustee of a family trust and is involved in pet care services as an independent contractor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

David Ross is a financial advisor at Morgan Stanley with 26 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Prior to that, he spent 10 years at Citigroup Global Markets. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

Mark Robbins is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 licenses and over 34 years of industry experience. He previously worked at Morgan Stanley Dw Inc. and Morgan Stanley & Co. LLC, totaling 12 years before joining Wells Fargo in 2016. 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.

Abel Fitch is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 credentials and nine years of industry experience. His career includes positions at Wells Fargo Bank and JP Morgan Chase Bank, spanning various roles since 2017. Outside of finance, he operates a ticket-selling activity through StubHub. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from its Investment Institute and third-party sources to support diversified investment solutions across brokerage and advisory platforms.

Catherine Pietro is a Series 66-credentialed financial advisor at J.P. Morgan Securities with 14 years of industry experience. She has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2018, and previously held roles at Bank of America, Merrill, and Advanced Wealth Planning. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory program is non-discretionary and emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a research-driven process.