Adam Seperack is a financial advisor at UBS Financial Services in San Diego, CA with 11 years of industry experience. He has been with UBS since 2014 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and offers research and lending programs as part of its platform.

Patricia Bennett is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Wells Fargo and JPMorgan Chase Bank. Outside of her advisory role, she is involved with M&A Pickle Performance LLC, operating under Kitchen Club LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program supported by centralized due diligence and a forward-looking investment approach.

Dan Foster is a CFP® with 42 years of industry experience, currently serving as a financial advisor at Cetera. He has been associated with Cetera Advisors LLC since 2014 and leads AIM Financial Consulting Group Inc, which he founded in 1984. Outside his advisory role, Foster is involved in nonprofit work through The Alley Food Ministry, providing food assistance to homeless and food-insecure individuals, and volunteers pro bono financial advice to disabled veterans via Homes For Our Troops. Cetera Investment Advisers LLC is a large SEC-registered firm that supports a nationwide network of independent advisors serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and retirement services, operating a multi-manager platform that allows advisors to implement model portfolios or bespoke strategies under various program structures.

Justin Steers is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at UBS Financial Services and Wells Fargo Clearing. Steers serves as a board member of the Exit Planning Institute, an educational organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools.

Alexander Brewer is a financial advisor at Morgan Stanley in La Jolla, CA, holding a Series 66 license with one year of industry experience. His prior roles include positions at RBC Capital Markets, The Vanguard Group, and RiverSource. Outside of advising, he is a partner in Malu Co LLC, a retail and online sales business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.

Erin Child is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. Her prior work includes positions at Graham Child LLC and JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program structure.

Jesus Loje Sanchez is a financial advisor affiliated with Merrill Lynch Wealth Management. He has over eight years of experience in the financial services industry, leveraging his background in banking with both personal and institutional clients. Jesus specializes in providing tailored financial planning strategies to help individuals and families preserve and grow their assets. His areas of expertise include family wealth management strategies, managing new wealth, personal retirement planning, portfolio management services, small business strategies, socially responsible and ESG investing, tax minimization, and retirement income. As a bilingual professional fluent in both Spanish and English, Jesus serves a diverse clientele, offering ways to optimize financial health and achieve long-term priorities. Jesus holds the Certified Plan Fiduciary Advisor (CPFA) designation. He earned his High School Diploma from Santana High School and an Associate's Degree from Grossmont College. Born and raised in San Diego's East County, he enjoys an active lifestyle, including activities such as cooking, music, skiing, surfing, and watching movies.

Jose Cuellar is a CFP® professional with 18 years of industry experience, currently associated with Wells Fargo Clearing since 2025. Prior to this, he worked at JP Morgan Chase Bank and JP Morgan Securities from 2019 to 2025, and at UBS Financial Services from 2015 to 2019. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and supports a broad range of brokerage and advisory solutions.

Ian Jones is a financial advisor with LPL Financial in La Jolla, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Investments, LLC. Outside of advising, he is involved with ESGology, Inc., an investment-related business, and participates with Saybrus Partners, an insurance agency. 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 portfolios, third-party asset management, and institutional platforms, supported by technology tools and a broad scope of financial activities.

Ana Cuadras is a financial advisor at Morgan Stanley with five years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley since 2019. Her prior work experience includes roles at Uber, Petsmart, The Container Store, and the University of Arizona. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs. The firm emphasizes structured financial planning supported by proprietary tools and offers services that integrate global market insights without providing individual security recommendations as part of standalone planning.

Jackson Cusick is a financial advisor at Wells Fargo Clearing with five years of industry experience. He holds the Series 66 designation and has previously worked at Cetera Wealth Services, North Star Resource Group, and Minnesota Life Insurance Co. His work history also includes experience at Securian Financial Services Inc and CRI Securities LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting, relying on research and analytics from Wells Fargo Investment Institute and third-party sources.

Gretchen Kibbe is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to her current role, she worked at Power Digital, Nike, and Free People, and has teaching experience at various educational institutions including the University of San Diego and local schools. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and a wide range of advisory programs supported by structured discovery processes and firm-approved planning tools.

John Hardin II is a financial advisor at Primerica Advisors with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Primerica since 1998. His prior work includes roles at San Pasqual Academy, New Alternatives Group Home, the California Department of Corrections & Rehabilitation, and WinCo Foods. Primerica Advisors sponsors a wrap-fee asset management program serving primarily individual investors and charitable clients. The firm employs model-delivery strategies managed by third-party asset managers and offers a range of investment approaches including strategic, tactical, and tax-managed models.

Reynaldo Pajarillo is a financial advisor with Cetera, holding a Series 66 designation and 28 years of industry experience. His prior roles include positions at TD Ameritrade, Thrivent Advisor Network, and Apex Fintech Solutions. He currently serves as an advisor at multiple Cetera entities. Cetera Investment Advisers LLC is an SEC-registered firm that supports a nationwide network of independent advisors, serving a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through multiple program structures and manager options.

Kelley Lee is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. Lee has been with Wells Fargo Bank, N.A. since 1996 and with Wells Fargo Clearing 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 supports a large network of advisors, offering both brokerage and advisory solutions.

Amanda Bonomi is a CFP® with 18 years of industry experience, currently serving at Osaic. She has previously worked at Securities America Advisors and Foothill Securities, among other firms. Outside of advisory work, she is involved as Vice President of Jade San Diego, a nonprofit supporting youth athletics in low-income areas. Osaic Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach includes model-based asset allocation, portfolio optimization, and access to third-party money managers and proprietary strategies.

Luken Wilson is a financial advisor at Charles Schwab with Series 66 credentials and one year of industry experience. His prior work includes roles at 3E Company and Gremlin, as well as involvement with the University of San Diego’s University Ministry. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management, financial planning, and custodial services supported by centralized operations and extensive alternative investment due diligence.

Britain Kern is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo in 2025, Kern held various roles including positions at Applied Minds and Nextbite. 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.

Carl Findley III is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. He has held various roles including positions at JPMorgan Chase Bank, UC San Diego, and the University of San Diego. He is also involved with JFIN Collective LLC and manages interests in Nigel Investments LLC and Bauhaus Capital LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research with forward-looking market assumptions and incorporates a range of investment strategies supported by affiliated implementation services.

Kyle Campa is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 licenses and 14 years of industry experience. His prior roles include positions at J.P. Morgan Securities, Chase Investment Services Corp, TD Ameritrade, and Charles Schwab Bank. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a mix of non-discretionary and discretionary investment management along with brokerage and custody services. The firm is notable for its scale and integrated structure, combining advisory relationships with access to affiliated discretionary separately managed accounts and a formal alternative-investment program.