Kevin Kirlin is a financial advisor with Charles Schwab, holding a Series 66 designation and two years of industry experience. His prior roles include positions at Morgan Stanley and several beach patrol organizations. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals, offering managed-account and financial planning services through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory guidance with access to affiliated discretionary separately managed accounts and provides integrated brokerage, custody, and cash-sweep services.

Dominic Bruno is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and six years of industry experience. He has worked at several related firms, including First Republic Bank and First Republic Investment Management Inc., before joining J.P. Morgan in 2023. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Randy Pickering is a financial advisor at LPL Financial with 42 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at ProEquities, Inc. for 17 years. He is also president of Pickering Insurance Services, an insurance agency specializing in health and 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 and model portfolio programs, and supports its network of over 22,800 advisors with a variety of investment platforms and operational tools.

Terrence Woo is a financial advisor at LPL Financial with 12 years of industry experience. He holds the Series 66 designation and has worked at LPL Financial in various capacities since 2014. Outside of his advisory role, he is involved with LDGN UNLTD, LLC, a non-investment-related business based in San Diego, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of investment solutions including financial planning, wrap and model portfolio programs, and institutional platforms, supported by various technology and research tools.

Athena Plencner is a Series 66 licensed financial advisor with LPL Financial in San Diego, CA, where she has worked since 2004. She has 20 years of industry experience. Outside of her advisory work, she teaches rock climbing through a company called Wilderness Outings on weekends and is an author. LPL Financial is a nationally recognized broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services, including financial planning and access to third-party asset management, utilizing both discretionary and non-discretionary strategies supported by advisor-facing technology.

Shafik Tadros is a financial advisor with LPL Financial in San Diego, CA. He holds the Series 66 designation and has 17 years of industry experience, including prior work at Morgan Stanley & Co. LLC. Tadros has been with LPL Financial since 2010. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment programs, supported by a large network of advisors and various technology tools.

Christopher Carter is a financial advisor at LPL Financial with 12 years of industry experience. His prior roles include positions at J.P. Morgan Securities and Redwood Credit Union. Outside of his advisory work, he operates as an Airbnb host. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives.

Thomas Garretson is a financial advisor at RBC Capital Markets with 12 years of industry experience. He holds a Series 66 credential and has been with RBC Capital Markets since 2013. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services, with investment strategies tailored to clients’ risk profiles.

Flavio Castillo is a financial advisor at Edward Jones in San Diego, CA, with six years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Bank. Outside of his advisory role, Castillo owns and operates Castle Endeavors, LLC, a cleaning company based in Chula Vista, CA. 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 offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Patrick Howard is a financial advisor with LPL Financial in El Cajon, CA, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial in 2023, he worked at Avantax Investment Services and Avantax Advisory Services from 2019 to 2023, and earlier at 1st Global Advisors and 1st Global Capital in 2018 and 2019. Howard also has a longstanding career in accounting as a CPA at Wade, Howard & Associates, CPAs LLP since 2006 and is involved in operating a tax and accounting firm in Austin, TX. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, and institutional platforms, with advice delivered primarily by investment adviser representatives using a variety of investment strategies and tools.

Heather Broderick is a financial advisor with LPL Financial, holding Series 63 and Series 65 registrations and possessing 22 years of industry experience. She has been with LPL Financial since 2013 and previously worked at Foresters Equity Services, Inc. from 2008 to 2013. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and extensive operational resources.

Steven Talia is a Series 66-licensed financial advisor with Morgan Stanley, based in San Diego, CA, and has 15 years of industry experience. He previously worked at J.P. Morgan Securities and JPMorgan Chase Bank for 11 years before joining Morgan Stanley in 2023. Outside of his advisory role, he is involved with several private business ventures in real estate and technology through his positions with SRT REAL ESTATE LLC, 3T Brothers, LLC, and SRT FAMILY HOLDINGS LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, focusing on tailored financial planning and utilizing firm‑approved tools for modeling potential outcomes. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Mariana Mazon is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and four years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2021. Outside of her advisory role, she serves on the investment committee of the Mingei International Museum, a cultural institution in San Diego. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutions. The firm utilizes structured financial planning tools and serves clients through both direct and corporate financial planning agreements.

Kyle Younan is a financial advisor at Wells Fargo Clearing with two years of industry experience. He previously worked at StepStone Group and has a background that includes roles at the University of California - San Diego and Valhalla High School. Outside of his advisory work, he holds a minority ownership stake in a car wash business in Tustin, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, offering both discretionary and non-discretionary services tailored to plan objectives and risk tolerances.

Tanner Carter is a CFP®-designated financial advisor with seven years of industry experience. He is currently with LPL Financial in San Diego, CA, having previously worked at City National Bank and RBC Capital Markets, LLC. Outside of his advisory role, he is involved with Cowboy Carter LLC and Dividend Capital LLC, business entities used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers various financial planning and investment management solutions, supported by a broad platform and technology tools.

Laura Taylor is a CFP® professional with 10 years of experience in the financial services industry. She is currently affiliated with Cetera and Everstead Financial Group, having worked at Cetera Wealth Services, LLC since 2016. Her prior roles include positions at Cetera and Everstead Financial Group. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients through a network of over 10,000 independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with various program options and custodial relationships.

Michael Gondek is a financial advisor at Charles Schwab with 22 years of industry experience. He holds a Series 66 designation and previously worked at TD Ameritrade for 18 years before joining Charles Schwab. Outside of his advisory role, he is a part owner of Nomad Donuts, a retail cafe in San Diego. 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. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and operational infrastructure.

Haris Gailani is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 66 licenses and having five years of industry experience. He previously worked at Wells Fargo in various roles before joining Merrill and Bank of America in 2022. Outside of his advisory work, he is the owner of a rental property. 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, and institutional investors.

Evan Angone is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. He previously worked at TD Ameritrade and Family First Life, among other firms, and has experience in both advisory and financial services roles. Outside the financial sector, he has worked in hospitality services at the Beverly Hills Hotel. 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 investment guidance and access to discretionary separately managed accounts. The firm is notable for its large scale, integrated service model, and a range of advisory, brokerage, and custody solutions.

Kristen Vande Bossche is a CFP®-certified financial advisor with 12 years of industry experience. She has worked at LPL Financial since 2021 and previously spent seven years with Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Management. She also operates a financial planning and wealth management business under her own name. 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, leveraging both proprietary model portfolios and third-party subadvisors, supported by technology tools for research and operations.