Angela Alldredge is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and having 28 years of industry experience. She previously worked at CitiGroup, Bank of America, and Merrill. Outside of her advisory role, she manages a rental property through a family trust. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Joseph Kitaen is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2022. Outside of finance, he has experience working with Rent a Frog and Jimmy's Famous American Tavern. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Carly Hall is a financial advisor with Thrivent Investment Management, holding a Series 66 designation and five years of industry experience. She has been with Thrivent and its affiliates since 2020. Before her financial advisory career, Carly worked in healthcare-related roles at Hoag Hospital and Paloma Medical Group. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm focuses on holistic, goal-based planning across various topics and offers clients the option to combine planning with managed-account services under a consolidated billing program.

Walter Bowser II is a CFP® professional with 18 years of experience in the financial industry. He has been with Edward Jones Investments since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Tiy Oneal is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 33 years of industry experience. Prior to joining LPL Financial in 2020, Tiy worked at Lucia Securities, LLC for five years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, with investment options supported by research from both internal and third-party sources.

Dean Zack is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 63 designation and 39 years of industry experience. He has worked at Raymond James since 2018 and previously held positions at Wells Fargo Clearing and Concurrent Advisors. He is the owner of Zack Wealth Management, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients, using analytical tools and non-discretionary advisory services tailored to client goals.

David Lu is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at Morgan Stanley & Co Inc for 10 years before joining Wells Fargo Clearing in 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

John Sundstedt is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2007. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm uses a structured financial planning process supported by firm-approved tools and provides investment advice without individual security recommendations as part of standalone planning.

Christopher Campbell is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and previously worked at Geico, Actalent, and Nordstrom Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.

Bekah Peterson is Vice President and Private Wealth Management Advisor at Fidelity Investments, a role she has held since 2025. Prior to this, she served as Vice President and Wealth Planner at Fidelity Investments from 2021 to 2025. In her current position, she partners with clients to develop tailored wealth management strategies that address the complexities and opportunities associated with significant wealth. She focuses on aligning financial plans with clients' evolving goals, including wealth preservation, philanthropic endeavors, and business transitions. Bekah holds a California Insurance License, supporting her advisory services in managing her clients' financial and insurance needs. Outside of her professional career, Bekah engages in fitness activities including scuba diving, snowboarding, yoga, and traveling.

Shannon Arballo is a Financial Advisor affiliated with Merrill Lynch Wealth Management. She focuses on developing personal relationships with clients, emphasizing transparency, open communication, integrity, trust, and ethics in her approach. As a FINRA registered advisor, Shannon serves the best interests of her clients by integrating Merrill Lynch's investment insights with the banking services of Bank of America. Her expertise includes family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, and individual and corporate investment strategy. Shannon strives to understand clients' priorities and goals at every stage of life to create tailored strategies aimed at achieving those objectives. Shannon holds a Personal Investment Advisor (PIA) designation and has completed education at Poway High School and Ashford University. She actively participates in her community through volunteering with organizations such as Jacobs & Cushman San Diego Food Bank, OPERATION HOMEFRONT INC, SUPPORT THE ENLISTED PROJECT INC, and Surfrider Foundation San Diego County Chapter. Outside of work, her personal interests include camping, cooking, golfing, music, spending time with her family, and watching movies.

Kaitlyn Clark is Vice President and Branch Leader at Fidelity Investments, where she leads a team focused on delivering a great experience for clients. She works closely with advisers and team members to support their efforts in helping more people with their financial needs. Kaitlyn has extensive experience at Fidelity Investments, having held multiple roles since 2016. Her positions have included Financial Representative, Relationship Manager, Planning Consultant, Financial Consultant, Branch Leader, and now Vice President, Branch Leader. She holds a California Insurance License.

Maxwell Razzore is a financial advisor at Cetera with 19 years of industry experience. He holds the Series 66 designation and has worked with several firms, including LPL Financial from 2008 to 2021 and First Allied Securities from 2021 to 2022. Since 2021, he has been associated with multiple Cetera entities. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Steven Dematteo is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he has provided a short-term loan to a manufacturing business, Masterbuilt. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, employing model-based asset allocations and research to tailor client plans. The firm integrates institutional trading capabilities with wealth management services, including proprietary research and affiliated banking programs.

Raymond Seifritz is a financial advisor with LPL Financial in San Diego, holding ChFC® and Series 66 designations and possessing 17 years of industry experience. He previously worked at Advisor Group for 10 years and OSAIC for one year before joining LPL Financial in 2024. Outside of his advisory role, he is a FINRA arbitrator and owns a technology and software consulting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, combining proprietary and third-party research with discretionary and non-discretionary management.

David Stitt is a financial advisor at Charles Schwab with 22 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Charles Schwab Bank since 2009. 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 offers a client relationship model that combines primarily non-discretionary advisory services with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by Schwab’s Center for Financial Research.

Philip Harrison is a financial advisor with Ameriprise in San Diego, CA, holding a Series 63 designation and over 30 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Harrison serves on the Board of Directors for Big Brothers Big Sisters of San Diego County. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendation reports. The firm also delivers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Nicole Choi is a financial advisor with Morgan Stanley Wealth Management, holding a Series 66 designation and 17 years of industry experience. Her career includes roles at UBS Financial Services, Cetera, and LPL Financial. Outside of her advisory work, she serves as the sole trustee of a family trust and is involved in pet care services as an independent contractor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

David Ross is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and was previously employed at Citigroup Global Markets starting in 1999. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, emphasizing structured financial planning supported by firm-approved tools and methodologies.

Mark Robbins is a financial advisor at Wells Fargo Clearing with 34 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Wells Fargo entities since 2009. He is based in Carlsbad, CA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advice. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a broader range of financial product offerings that include insurance-related vehicles and bank deposit sweep options.