Ryan Albin is a Vice President, Financial Consultant at Fidelity Investments. He partners with individuals, families, and business owners to support them in working towards their unique financial goals. Ryan holds the designations of CERTIFIED FINANCIAL PLANNER™ and Chartered Financial Consultant, reflecting his advanced training and knowledge in financial planning. Ryan has been with Fidelity Investments since 2015, progressing through roles including Financial Representative, Relationship Manager, Investment Consultant, Financial Consultant, and currently Vice President Financial Consultant. Prior to joining Fidelity, he worked as a Financial Advisor at Edward Jones from 2014 to 2015. He holds a California Insurance License. Outside of his professional role, Ryan has personal interests in art, the beach, football, museums, sailing, and traveling.

Michael Gallop is a financial advisor at LPL Financial with 23 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 66 licenses. Gallop has worked at several firms, including Commonwealth Financial Network and SagePoint Financial, and is co-owner of Terramar Wealth, Inc., a private entity facilitating securities, advisory, and insurance business. 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 financial planning and investment management services, including access to model portfolios, third-party asset managers, and institutional platforms.

Scott O'Connell is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been contributing since 2008. In this role, Scott focuses on developing personalized financial strategies for high net-worth individuals, families, and institutions. His approach takes into account each client’s risk tolerance, time horizon, liquidity needs, investment goals, and cost considerations. Scott offers expertise across a broad range of services including cash management, custom financial strategies, risk management, retirement planning, educational savings plans, estate planning, corporate 401(k) plans, commercial real estate loans, and customized lending through Bank of America, N.A. (NMLS#1537122). Scott holds a Bachelor of Science degree from the College of Liberal Arts and Sciences at Arizona State University. He has earned the Accredited Asset Management Specialist™ (AAMS) certification awarded by the College for Financial Planning Institutes Corp and has completed the Longevity Training Program at the University of Southern California’s Davis School of Gerontology. Additionally, his professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Originally from Apple Valley, Minnesota, Scott currently lives in San Diego, California. Outside of work, he enjoys hiking, fishing, music, reading, and spending time with his family. Scott is engaged in community service and values volunteering with local organizations in alignment with Merrill’s tradition of community participation.

Kyle Tatro is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His prior work includes roles at Commonwealth Financial Network, Principal Securities, Principal Life Insurance Company, Northwestern Mutual Investment Management, and Morgan Stanley. He is also the owner of Think Financial Wealth Management, Inc., a private entity involved in securities, advisory, and insurance business. 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 broad range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive technology and a large network of advisors.

L Brokaw is a financial advisor at Wells Fargo Clearing with 55 years of industry experience. He holds a Series 63 designation and has been with Wells Fargo Clearing since 2016. Prior to that, he worked at various Morgan Stanley entities from 2000 to 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with services including investment advisory, 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.

Nhut Anh Dang is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 designations and has worked with JPMorgan entities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their advisory approach includes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and an ESG eligibility framework.

Kelly Legg serves as a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He began his career in financial services in 2021 at a boutique advisory firm that catered to retirees from Fortune 500 companies in San Diego. Since joining Merrill in 2022, Kelly has focused on building a practice centered around thoughtful planning, attentive service, and guiding clients through complex financial decisions with clarity and confidence. His expertise includes family wealth management strategies, legacy planning, managing new wealth, and personal retirement planning. Kelly earned a Bachelor's degree in Finance from San Diego State University and holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He has lived in San Diego for the past nine years. Beyond his professional work, Kelly is actively involved in community volunteer efforts, including Big Brother Big Sister, Breakthrough Type 1 Diabetes, and the San Diego Food Bank. He lives with Type 1 diabetes and dedicates time to education, advocacy, and outreach related to the condition. Outside of his advisory role, Kelly enjoys cooking, hiking, soccer, and surfing. He also supports the Buffalo Bills and is training for an upcoming Half Ironman event.

Spencer Birch is a financial advisor with Edward Jones in San Marcos, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining Edward Jones in 2017, he worked for nine years at Quantum Learning Network. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Clyde Chandler is a financial advisor with Fidelity in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. His career includes roles at Fidelity Brokerage Services since 2005 and five years at PRUCO Securities, LLC. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, leveraging proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage a variety of fund structures and model portfolios.

Taimur Baig is a Series 66-licensed financial advisor with Raymond James & Associates and has 16 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley, Wells Fargo Clearing, and Merrill. Outside of his advisory work, Baig holds a real estate brokerage license and is involved in real estate activities in San Diego. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers a range of financial planning and advisory services that emphasize tailored, non-discretionary consulting supported by firm research and a broad network of affiliated portfolio managers.

Joel Thorp is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2010. Outside of his advisory role, he is co-owner of ZJ Ranch LLC, a land management company focused on unimproved land used primarily for recreation and timber harvesting. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and scenario modeling.

Jaclyn Mazur is a CFP® with 22 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. She previously worked at Ruzam, LLC, Woodbury Financial Services INC, and RSG Partners. Mazur is the founder of the Financial Behavior Institute, a coaching and training program that teaches behavioral finance concepts and practice management tools to financial professionals. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and risk management.

Lea Ziesing is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and six years of industry experience. Prior to joining UBS, she worked in media at News 10 and held a position with Senator Dodd in California State Government. UBS Financial Services Inc. serves individual, corporate, and institutional clients with brokerage and advisory offerings, combining model-based asset allocations and proprietary research to tailor investment plans aligned with clients’ goals and risk tolerances. The firm offers a broad range of services, including discretionary portfolio management, financial planning, and capital markets activities.

Sheryl Stern is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA. She holds Series 63 and Series 65 licenses and has 14 years of industry experience. Prior to joining Cambridge in 2017, she worked at Trilogy Capital Inc and Trilogy Financial Services. Stern is also involved in coaching through her business, Simply Mentored, which she has operated since 2009. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs, managing a multi-billion dollar asset base through a wide network of financial professionals.

Brandon Dalgarno is a CFP® professional with 20 years of industry experience, currently serving at Cetera since 2025. His prior experience includes roles at Avantax Investment Services and Diehl Evans & Co. LLP. Dalgarno holds leadership positions in financial services entities, including director and managing member roles. Cetera Investment Advisers LLC is an SEC-registered adviser that offers a multi-manager platform serving individual, corporate, charitable, and institutional clients with portfolio management, financial planning, and retirement services. The firm supports a large nationwide network of advisors with access to diverse investment strategies and custodial arrangements.

Jordan Gales is a financial advisor at Morgan Stanley with a Series 66 designation and 10 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2020 and previously was affiliated with Sequoia Wealth Management, JMC Wealth Management, and LPL Financial. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market simulations.

Robin Alefi is a financial advisor at Charles Schwab with six years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank SSB, CHARLES SCHWAB and CO., INC., and TD Ameritrade. Outside of finance, Alefi is involved with Epic Volleyball Club, where he has been active for over a decade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory with access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Robin Bechtel is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 26 years of industry experience. Prior to joining Cetera, Bechtel worked at Independent Financial Group and also has experience with Pampered Chef. Outside of advising, Bechtel volunteers with the Foundation for Personal Financial Education, providing financial counseling and education on a pro bono basis. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with a variety of portfolio management options, financial planning services, and access to third-party money managers.

John Mckay is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and 25 years of industry experience. He worked at Morgan Stanley from 2002 to 2006 before joining LPL Financial, where he has been since 2006. In addition to his advisory role, he is involved in managing non-variable insurance products such as fixed disability insurance, fixed annuities, long-term care, and health insurance through Compass Investment Consulting Group. 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 wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advisor tools and extensive non-advisory financial activities.

Anthony Meade is a financial advisor at Edward Jones in Poway, CA, with four years of industry experience. He holds the Series 63 and Series 65 designations. Prior to his current role, he operated his own business, Anthony John Meade, from 2004 to 2020. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies and advisory services through a nationwide network of financial advisors and branch offices.