Valerie Saucedo is a CFP® with seven years of industry experience, currently an advisor at LPL Enterprise. Her prior roles include positions at The Prudential Insurance Company of America, UBS Financial Services, and Harbour Investments, Inc. She is based in San Diego, CA. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients, including individuals, high-net-worth investors, and institutional entities. The firm’s investment approach is model-driven, using portfolios developed internally or by third-party strategists, and offers access to a variety of financial planning and asset management solutions.

Veronica Lizeth Montalvo is a financial advisor at UBS Financial Services with 18 years of industry experience. She holds a Series 66 designation and has been with UBS since 2016. 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, providing a range of capital markets and research resources.

William Jones is a CFP®-certified financial advisor with 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Citigroup Global Markets and Morgan Stanley Dw Inc. He serves as co-trustee for a family trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, utilizing research and analytics to support diversified investment strategies.

Billy Chu is a financial advisor at Wells Fargo Clearing with two years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, Merrill, East West Bank, and Wells Fargo Bank, N.A. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, relying on research from Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory.

Sherifa El Mofty is a Wealth Management Advisor at Merrill Lynch Wealth Management and a member of the Mohler Polo Mofty Team. She has been with the firm since 2010 and focuses on client service, relationship management, and retirement income and distribution strategies. Sherifa's approach emphasizes building lifelong relationships with clients based on trust, transparency, and mutual respect. She specializes in providing financial guidance for areas including college education planning, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, personal retirement planning, socially responsible investing, women and wealth, and individual and corporate investment strategy. Sherifa brings a multi-generational perspective to her practice, aiming to ensure continuity of advice for high-net-worth families. Sherifa holds the Certified Financial Planner (CFP) designation, Certified Divorce Financial Analyst (CDFA) certification, Certified Plan Fiduciary Advisor (CPFA) designation, Personal Investment Advisor (PIA) credential, and Retirement Accredited Financial Advisor (RAFA) credential. She earned a Bachelor of Science degree in Business Administration with an emphasis in Finance from San Diego State University, where she was a Dean's List graduate. Sherifa is fluent in Arabic and English and is involved with Soroptimist International of Oceanside/Carlsbad. Her personal interests include scuba diving, tennis, traveling, and spending time with her family.

Jeffrey Levine is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior work includes nine years at UBS Financial Services and 20 years at Linsco/Private Ledger. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Michael McNeill is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 credentials and bringing 35 years of industry experience. His career includes roles at Prudential Insurance Company of America and Pruco Securities, LLC, spanning over three decades, as well as service at the California Health Benefit Exchange. He also operates McNeill Insurance and Financial Services, a property and casualty insurance business in San Diego. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, and institutional clients through a network of investment adviser representatives. The firm employs model-driven investment strategies and offers financial planning, access to third-party asset managers, and insurance product sales through affiliated entities.

Owen Stiefvater is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. His prior roles include positions at Dudm Real Estate Group and ongoing involvement with the San Diego Symphony. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform, supporting discretionary and non-discretionary strategies across diverse program structures.

Megan Gunn is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 registrations and bringing 20 years of industry experience. Her prior work experience includes roles at First Republic Bank, J.P. Morgan Securities, and JPMorgan Chase Bank. Outside of her advisory work, she serves as an independent consultant mystery shopper for several consumer service companies. 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, offering a combination of non-discretionary and discretionary investment solutions supported by extensive research and integrated operational capabilities.

Monika Windle is a CFP® with 26 years of experience in the financial industry. She is currently with LPL Financial and previously worked at MW Asset Management Inc., Robert J. Woods, Incorporated, and Wamu Investments, Inc. Outside of her advisory work, she provides financial planning and consulting services through her independent firm, Financial Plan Design. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual and institutional clients through a large network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management access, and retirement advice, supported by advanced operational tools and a broad array of affiliated financial activities.

Colby Shinholser is a financial advisor with LPL Financial based in San Diego, CA. He holds a Series 66 designation and has been working in the industry since 2025. Prior to his advisory role, he has served in the US Navy since 2016. 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, and institutional platforms, with a focus on both discretionary and non-discretionary account management.

George Smith is a CFA® charterholder and holds the Series 63 license, with 12 years of industry experience. He has been with LPL Financial since 2013. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing a range of strategic and tactical investment approaches supported by advanced operational tools.

Michael Welch is a financial advisor at Morgan Stanley in San Diego, CA, holding CFP®, Series 63, and Series 65 designations with 25 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers planning services both directly and through Corporate Financial Planning agreements.

Skip Kelly serves as Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2026. He has extensive experience in the financial services industry, having worked with both institutional and high net-worth clients over several decades. Prior to his current position, he was a Financial Consultant at Fidelity Investments from 2020 to 2026, Vice President at Fisher Investments from 2003 to 2020, and held various Vice President and Senior Financial Consultant roles at Morgan Stanley, Smith Barney, and Merrill Lynch dating back to 1989. Throughout his career, Skip Kelly has focused on building financial relationships grounded in honesty and trust. He emphasizes providing simple, transparent guidance based on evolving financial plans tailored to different life stages. He holds a California Insurance License.

Ryan Domenico is Vice President and Wealth Planner at Fidelity Investments. He has over 10 years of experience working with high net-worth families and institutions, focusing on providing honest and transparent guidance built on trust. Ryan partners with clients to understand their goals and help plan and fortify their financial futures through different stages of life. Prior to his current role, Ryan held various positions including Financial Consultant at Fidelity Investments from 2020 to 2025, Senior Financial Consultant at TD Ameritrade in 2019, Wealth Advisor at Pariax Private Wealth Management in 2019, and several roles at Charles Schwab between 2011 and 2019. He holds a California Insurance License. Outside of his professional work, Ryan has personal interests in fitness, food, golf, hiking, music, and traveling.

Matthew Eovino is a CFP® professional with 14 years of industry experience, currently serving as an advisor at J.P. Morgan Securities in La Jolla, CA. He has been with J.P. Morgan Securities since 2012 and has worked at JPMorgan Chase Bank, N.A. since 2011. 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 framework. Their advisory process incorporates both quantitative and qualitative research and utilizes an ESG eligibility framework as part of their investment approach.

Michael Wiley is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. He has been with LPL Financial since 2013, including a brief tenure at Anchor Bay Capital in 2015. 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 provides a wide range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by research tools and a broad offering of non-advisory financial products.

Michael Lincoln is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 38 years of industry experience. He has worked at several firms, including LPL Financial and Raymond James Financial Services, and has been president of Lincoln Capital, Inc. since 2010. Outside of financial advising, he owns a line of BBQ-themed apparel and sells fixed insurance products. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of third-party managers.

Brad Habbestad is a Planning Consultant with Fidelity Investments, where he currently works within the Wealth Management Team. In this role, he focuses on helping clients identify planning strategies tailored to their unique financial situations. Brad's professional background includes experience as a Paraplanner at Ameriprise Financial from 2021 to 2023 and as a Relationship Banker II at JP Morgan Chase from 2017 to 2020. He holds a California Insurance License. Outside of his professional work, Brad engages in activities such as family activities, fitness, playing musical instruments, outdoor adventures, spending time with pets, and running.

Ryan Roche is the Branch Leader at Fidelity Investments, a role he has held since 2025. He focuses on empowering Investor Center associates to engage in meaningful conversations with clients and supports them in developing the skills necessary to assist local families with financial planning. Ryan has accumulated extensive experience within Fidelity Investments, progressing through various positions including Financial Consultant (2022-2025), Planning Consultant (2021-2022), Relationship Manager (2020-2021), Financial Representative (2019-2020), and Investor Center Intern (2018-2019). He holds a California Insurance License. Outside of his professional responsibilities, Ryan enjoys baseball, golf, kayaking, skiing, traveling, and volunteering.