Marcus Fitzpatrick is a financial advisor at Cetera with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Cetera and its related entities since 2019. Prior to that, he worked at Foresters Financial Services and Foresters Advisory Services LLC. Outside of his advisory role, he is involved in coaching soccer, including training players and managing teams. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supporting over 10,000 advisors and managing more than $256 billion in assets.

J Coghlan is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and 34 years of industry experience. His career includes positions at Merrill, Securities America, and his own firm, Coghlan Financial Group, where he has been active since 2007. He also works as an independent insurance agent specializing in fixed insurance products and provides living trust document services to clients. OSAIC Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach featuring asset allocation, portfolio optimization, and access to third-party managers and proprietary strategies.

Juan Fernandez is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior experience includes long tenures at E*TRADE Capital Management LLC and E*Trade Securities LLC, as well as a brief period at Morgan Stanley. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios alongside alternative investment options, supported by centralized custody and operational infrastructure.

Jesse Starr is a CFP® with 18 years of experience in the financial industry, currently serving at Morgan Stanley in San Diego, CA. His prior work includes roles at Wells Fargo Clearing and JPMorgan Securities LLC. Outside of his advisory work, he is a partner at Starr Ventures 1738 LLC, a real estate investment business based in Montana. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutions, including personalized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling to assist clients in their financial decisions.

Maverick Martin is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His work history includes roles at several organizations, including SD Adventures and The Sandbox. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive features such as registration as a commodity pool operator and formal advisory roles to multiple registered investment companies.

Monique Neal Corotis is a financial advisor at Edward Jones with 15 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and provides a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, tax-efficient services, and access to affiliated mutual funds and separately managed accounts.

Blake Foster is a CFP®-certified financial advisor with 30 years of industry experience, currently with Wells Fargo Clearing since 2016. He previously worked at Prudential Equity Group, LLC from 1997 to 2003. Foster is based in San Diego, CA. 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 a range of brokerage and advisory solutions supported by research and analytics.

Karen Mortimer is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2009, previously working at Citigroup Global Markets. Mortimer is involved in charitable activities through her leadership roles with the RB Sunrise Rotary in San Diego, including serving as President and Finance Committee Chair. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Timothy Gardner is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement recommendations and provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Ngai Pham is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His career includes roles at Merrill and First Republic Investment Management prior to joining J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary advice focused on asset allocation, investment manager searches, and performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking market assumptions and includes capabilities in derivatives and commodities.

Dean Pfremmer is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He has worked at various Morgan Stanley entities since 1997, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by advanced modeling tools.

Jessica Marchesini is a financial advisor with LPL Financial holding a Series 66 designation and has 14 years of industry experience. She previously worked at Commonwealth Financial Network for 17 years before joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions with a range of offerings including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Noelle Ohmann is a financial advisor with Equitable Advisors in San Diego, CA, holding the Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, she worked in various customer service roles including at The Cheesecake Factory, where she continues to work as a waitress alongside her advisory career. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Stasia Krahling is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo since 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 combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Chad Anderson is a financial advisor with LPL Financial in San Diego, CA. He holds a Series 66 designation and has four years of industry experience. His prior roles include positions at Digital Capital Management, Securian Financial Services, and Morgan Stanley. 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, and institutional platforms, supporting advisors with various strategic and tactical investment options.

Emmett Lichtenberg is an Investment Consultant currently working at Fidelity Investments since 2025. In this role, he partners with clients to help them build and maintain tailored financial plans designed to align with their financial goals. Prior to this, Emmett worked as a Financial Solutions Advisor at Merrill Lynch from 2024 to 2025. He holds a California Insurance License.

Jacob Yu is a Planning Consultant at Fidelity Investments, where he collaborates with wealth management teams to develop financial plans tailored to clients' goals and needs. He has held several roles within Fidelity Investments since 2020, including Relationship Manager, Central Relationship Manager, High Net Worth Associate, and Customer Relationship Advocate. Prior to joining Fidelity, he worked as an Associate Banker at Chase from 2019 to 2020. Jacob holds a California Insurance License, supporting his work in financial planning and client services. Outside of his professional responsibilities, he engages in activities such as camping, fitness, golf, skiing, tennis, and participates in social events with friends.

Matthew Schrady is a financial advisor at Ameriprise with 33 years of industry experience. He has held roles at Ameriprise Financial Advisors Inc. and Ameriprise Financial Services, LLC since 2016. His credentials include Series 63 and Series 65 licenses. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized retirement income service that provides written recommendations and ongoing planning focused on dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Danielle Martinez is a financial advisor at UBS Financial Services with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked previously at Morgan Stanley, Lincoln Financial Group, and the University of Hawaii at Manoa. 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 and supports advisors with proprietary research and model-based asset allocations.

Lindsey Feeney is a financial advisor with LPL Financial in San Diego, California, holding a Series 66 designation and 20 years of industry experience. She has been with LPL Financial since 2006. 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.