Kendal Glatthorn is a financial advisor with UBS Financial Services in Philadelphia, PA, holding Series 63 and Series 65 registrations and bringing nine years of industry experience. Prior to joining UBS in 2021, he worked at Goldman Sachs & Co. from 2015 to 2021. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management offerings, leveraging proprietary research and market insights to tailor solutions for its clients.

Anne Howard is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and having 22 years of industry experience. She has worked at LPL Financial since 2006 and previously spent a year at Citigroup Global Markets. 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 plans, banks, trust companies, and institutions, offering a range of financial planning and asset management solutions supported by various proprietary and third-party investment strategies.

Kyle Kirkham is a financial advisor at Mass Mutual Investors Services in San Diego, CA, with 17 years of industry experience. He holds CFP® and Series 66 designations and has worked at firms including Charles Schwab, TD Ameritrade, Merrill, and Bank of America. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning and asset management services through collaborative, annual engagements using firm-approved analytical tools.

Laura Greenberg is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2017. She has been with Fidelity since 2013, progressing from Investment Consultant to Financial Consultant before assuming her current role. Prior to joining Fidelity, Laura worked as a Financial Advisor at Edward Jones from 2009 to 2013 and briefly at Merrill Lynch in 2009. In her role, Laura partners with high-net-worth individuals and families to help them clarify priorities and make informed financial decisions. She focuses on developing a deep understanding of clients' goals and values to provide thoughtful guidance and a disciplined planning framework aimed at supporting long-term financial well-being. Laura holds a California Insurance License. Outside of her professional work, Laura's personal interests include beach activities, family activities, football, social events with friends, scuba diving, and skiing.

Courtney Allen is a financial advisor with RBC Capital Markets in San Diego, holding Series 63 and Series 66 designations and 16 years of industry experience. She has been with RBC Capital Markets since 2012. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs and tailors investment strategies to clients’ advisory risk profiles using a combination of in-house and third-party managers, with options for tax management and responsible-investing screens.

Maria Maldonado is a financial advisor at Morgan Stanley with 17 years of industry experience. She holds the Series 63 and Series 66 credentials. Her prior roles include positions at J.P. Morgan Securities and Pier 1. 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, managing approximately $2.74 trillion in client assets.

Michael Brezovsky is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to understand their unique financial situations and goals, using Fidelity's resources and his expertise to build and implement comprehensive financial plans. He serves as a reliable source of information and support for clients through changing circumstances and evolving objectives. Michael has been with Fidelity Investments since 2018, progressing through multiple roles including Financial Consultant and Investment Consultant. His experience spans workplace planning and investment consulting, providing him with a broad perspective on financial advising. He holds a California Insurance License and is a CERTIFIED FINANCIAL PLANNER™ professional.

Laurie Burkhardt is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 20 years of industry experience. She has worked at Wells Fargo Clearing since 2006, with a four-year period at Morgan Stanley from 2011 to 2015. 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 supported by research from Wells Fargo Investment Institute and third-party databases.

Brian Dawidowicz is a CFP® and ChFC® with 24 years of industry experience. He has been with OSAIC since 2004 and also conducts independent insurance sales. In addition to his advisory work, he engages in tax preparation services and owns a small business focused on financial planning administration. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of advisory and brokerage services with an investment approach centered on model-based asset allocation, portfolio optimization, and multiple strategy options delivered through an extensive multi-advisor platform.

Gordon Sinkoff is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 63 designation and 46 years of industry experience. He has been with Morgan Stanley since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. 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 including financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Benjamin Chapman is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and five years of industry experience. His career includes roles at Edward Jones and GrantLinkx before joining LPL Financial in 2020. Between 2019 and 2020, he took a year for extended travel. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational and research tools.

Matthew Carmichael is a financial advisor at OSAIC with eight years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including New York Life Insurance Company and Eagle Strategies LLC. Carmichael serves as a board member of Operation Amped, a nonprofit that teaches surfing to wounded veterans. OSAIC Wealth serves a diverse client base including retail investors, retirement plans, charities, and corporations, offering both brokerage and advisory services through a multi-advisor platform. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by risk-tolerance assessments and various managed account strategies.

Lake Lapp is a Series 66-credentialed financial advisor with five years of industry experience. He is currently with J.P. Morgan Securities, where he has worked since 2021. His prior experience includes roles at Equitable Financial Life Insurance Co and Securities America Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research to develop model asset allocations, and it offers services supported by affiliates including J.P. Morgan Wealth Management Solutions.

Nicolas Amodeo is a financial advisor with Cetera holding a Series 66 designation and has been in the industry since 2026. His prior work includes roles at Northwestern Mutual and various educational institutions. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting various program structures and investment strategies.

Miryana Trgo is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 65 licenses and 16 years of industry experience. She previously worked at Ameriprise Financial Services, Inc. from 2015 to 2019. Outside of advisory services, she is involved in real estate rental activities in the San Diego area. 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 access, and institutional platforms, with solutions implemented through a large network of investment adviser representatives.

Geojoe Thomas is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 66 designation and has been with Merrill Lynch/Bank of America since 2011, based in San Diego, CA. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephen Lowery is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses. Prior to his current role, he worked at JPMorgan Chase Bank, N.A., and served at the YMCA of San Diego County. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting.

James Duncan is a financial advisor at Merrill with 23 years of industry experience. He holds the Series 63 and Series 65 designations. His prior work includes roles at Bank of America, U.S. Bank, and Wells Fargo. He also serves as a co-trustee on a family trust. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Vincent Rodriguez is a financial advisor at Fidelity with nine years of industry experience. He holds a Series 66 credential and previously worked at Stifel for six years before joining Fidelity Investments in 2021. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe, and it serves in formal advisory roles for multiple registered funds.

Mario Contreras is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. His prior roles include positions at Schwab Wealth Advisory, Charles Schwab, Envestnet PMC, J.P. Morgan Securities Inc., and Banc One Securities Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.