Rogelio Ponce is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and 12 years of industry experience. His prior roles include positions at J.P. Morgan Securities and Wells Fargo Bank, NA. 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Brett Clement is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Scottrade and TD Ameritrade. Clement is based in San Diego, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and portfolio management options, utilizing model portfolios, third-party subadvisors, and customized strategies.

Jacklyn Manner is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and having four years of industry experience. She has been with LPL Financial since 2018 and previously worked for ten years at Starbucks. She also operates a home-based non-investment related business. 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, utilizing model portfolios and third-party subadvisors, and supports its advisors with advanced operational and research tools.

Ia Phan Jones is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. Prior to joining Cetera in 2020, Jones worked at Wells Fargo Clearing, Merrill, and Morgan Stanley. Outside of advising, Jones is involved with the PTA at Hearst Elementary School. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes both affiliated and third-party investment models.

Megan Polizzi is a financial advisor with Cetera in San Diego, CA, holding Series 65 and Series 66 licenses and 15 years of industry experience. She has worked at Cetera and its affiliated entities since 2025 and previously with CUSO Financial Services from 2021 to 2025. Outside of her advisory role, she serves as a Girl Scouts troop leader and an auditor for a local charity league. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutions through a large nationwide network of advisors. The firm offers a variety of portfolio management and financial planning services via a multi-manager platform that includes discretionary and non-discretionary options, model portfolios, third-party managers, and bespoke strategies.

Peter Holm is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and nine years of industry experience. He has been with LPL Financial since 2012. 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 a large network of investment adviser representatives and advanced operational tools.

Darin Beeghley is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. He has been with UBS since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Summer Pretzer is a financial advisor at Cetera with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been affiliated with various Cetera entities since 2017. Outside of her advisory role, she volunteers with Lions, Tigers, and Bears, a nonprofit where she conducts group visits, educates, and helps care for animals. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services using multiple program structures and access to both affiliated and third-party managers.

Gabriel Garcia is a financial advisor at Ameriprise Financial Services with eight years of industry experience. He holds a Series 66 designation and previously worked at Mariner Independent Advisor Network, LPL Financial, and Edward Jones. Garcia also served in the United States Marine Corps Reserves for 12 years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. Its approach includes a centralized service team that collaborates with advisors to provide written Recommendation Reports based on proprietary research and third-party data.

Timothy Mehrer is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Mehrer serves as a board member for Kids First at Sunset View, a nonprofit focused on children and youth education. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutions. The firm emphasizes structured financial planning supported by approved tools and serves clients through both direct relationships and corporate financial planning agreements.

Kamron Bahrami is a financial advisor with LPL Financial in San Diego, CA, holding Series 66 and Series 63 licenses and possessing 12 years of industry experience. He previously worked at SagePoint Financial and Independent Capital Management and is involved with ICM Lending and KJB Financial Services LLC in capacities outside of investment advising. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plans, and institutions, utilizing various portfolio strategies and technology tools to support its more than 22,900 advisors.

Deborah Macneil is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 30 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously held roles at Invest Financial Corporation and Wells Fargo Investments. Outside of her advisory work, she is an independent consultant for Pampered Chef and co-owns a real estate management business with her spouse. 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 combines research from Wells Fargo Investment Institute and third-party sources to evaluate investment options and offers both brokerage and advisory solutions.

Sheryl Raetz is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 29 years of industry experience. She has worked at LPL Financial since 2024 and previously held roles at Lincoln Financial Securities Corporation, Pilot Financial/PRD Ventures, LLC, RD Financial Services, and Osaic FS, Inc. In addition to her advisory work, she is involved in selling fixed annuities and non-variable life insurance. 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 tools such as machine learning for research and operational purposes.

Justin Smith is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 12 years of industry experience. Prior to joining LPL Financial in 2018, he worked at Thrivent Investment Management and THRIVENT Financial from 2014 to 2017, and Wells Fargo Clearing in 2014. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm supports its network of investment adviser representatives with a range of financial planning and portfolio management options, including model portfolios, third-party subadvisors, and institutional platforms.

Christopher Conn is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation. He has one year of industry experience with previous roles including Asset Security Consulting and Colonial Life. Conn also has a background that includes time at Alex Brown and studied at the University of Colorado Boulder. 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 and access to third-party asset management programs, supported by technology tools and a large network of over 22,800 advisors.

Leslie Castillo is a CFP® with 20 years of experience in the financial services industry. Currently with Wells Fargo Advisors, Leslie has previously worked at firms including LPL Financial, Mariner Independent Advisor Network, and D.A. Davidson & Co. Outside of traditional advisory roles, Leslie is involved with several business activities including an independent investment advisory firm, Mariner Independent Advisor Network. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad planning menu covering areas such as retirement, education, and business-owner transition planning, using proprietary research and tools to develop tailored client recommendations.

Tom Nicholl is a financial advisor at Edward Jones with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he worked in the automotive industry with Mercedes Benz of San Diego and Sunroad Automotive. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory and investment services, supported by a large nationwide network of financial advisors and branch offices. The firm offers various managed strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

William Kim is a financial advisor with Cetera and holds Series 63 and Series 66 licenses, bringing 14 years of industry experience. He has worked at firms including Morgan Stanley, JPMorgan Chase, and Securian Financial Services. Outside of his advisory role, Kim serves as secretary of the Korean American Coalition San Diego and as an elected board member of the Construction Financial Management Association’s San Diego Chapter. Cetera Investment Advisers LLC provides investment advisory services through a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across a variety of program structures.

Alexander Broughton is a financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A., Hach - A Danaher Company, Equipment Depot - A Mitsubishi Company, Exterran, and Pentair. Outside of his advisory role, he serves as a power of attorney for his parents. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individual and high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

J Essman is a financial advisor with Mass Mutual Investors Services in San Diego, CA, holding the ChFC® designation with 28 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities, Inc. and Metropolitan Life Insurance Co. from 2007 to 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations through annual collaborative planning engagements.