John Prehatny is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and six years of industry experience. He has worked at LPL Financial since 2019 and previously held roles at Axos Bank and California State University Channel Islands. His experience also includes conducting an independent research project at Cal State Channel Islands and a brief involvement with ThinGap LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options supported by extensive research and diverse investment strategies.

Ari Feldman is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Maureen Huttel is a financial advisor at OSAIC with 12 years of industry experience. She holds a Series 66 designation and previously worked for Lincoln Financial Advisors Corporation for 11 years. In addition to her advisory role, she is licensed as an insurance agent offering accident and health insurance, disability insurance, fixed and indexed annuities, health savings accounts, long-term care insurance, and traditional life insurance products. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and multiple platforms to construct portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Cheryl Lopez is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 credential and 21 years of industry experience. She has been with Ameriprise and its affiliated entities since 2007. Outside of her advisory role, she co-owns an LLC that manages the operations of her financial practice. Ameriprise offers retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency strategies to create personalized recommendation reports. The firm also provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Manuel Castilla is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 66 credentials and 24 years of industry experience. He has been with UBS Financial Services since 2010 and also associated with UBS International Inc. since 2009. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides research-driven, tailored investment strategies.

Quinn O'Connor is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, O'Connor held roles at New York Life and worked in various other capacities including at the Mineta Transportation Institute and the YMCA. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios, including multi-manager and fund-of-funds structures, and is notable for its use of systematic methodologies and a formal advisory role to multiple registered investment companies.

Natasha Newman is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and six years of industry experience. Her work history includes roles at JPMorgan Chase Bank, N.A., and 3PlxSalsa. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Tommy Tominna is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1995. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on investment models implemented with oversight from BNY Mellon Advisors.

James Carideo III is a financial advisor at RBC Capital Markets with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at UBS Financial Services for 14 years prior to joining RBC Capital Markets and City National Bank in 2025. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs with tailored investment strategies and access to both in-house and third-party managers, leveraging RBC’s capital-markets capabilities and integrated financial services.

Christopher Pratt is a CFP® professional with 44 years of industry experience. He currently works at OSAIC and has held prior roles at Sagepoint Financial, Inc. and Wolters, Hagar & Pratt Financial Planning, Inc. In addition to his advisory work, he is president of CAP Financial Planning, a firm where he oversees operations and develops personalized financial plans for clients. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, retirement consulting, and access to third-party money managers. The firm utilizes advanced portfolio construction tools and supports both discretionary and non-discretionary account management.

Robert Mcclinton is a financial advisor with Primerica Advisors in Spring Valley, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Primerica Advisors since 1989 and Primerica Financial Services since 1991. Outside of advising, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Leila Sharghi is a financial advisor with Equitable Advisors in San Diego, CA, holding Series 63 and Series 65 designations and bringing 34 years of industry experience. She has been with Equitable Advisors since 1999, including its predecessor AXA Advisors, LLC. Outside of her advisory role, she serves as vice president on the board of directors for a homeowners association and acts as a co-trustee for an immediate family trust. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and a range of third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

William Perri is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 21 years of industry experience. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. Outside of his advisory work, he is a 28.75% owner and partner in Jacobsen Perri Cellars LLC, a winery that purchases grapes and produces wine in California. J.P. Morgan Securities provides consulting services to institutional clients including corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage, distribution, and investment management capabilities.

Deborah West is a financial advisor at Merrill with 21 years of industry experience. She holds a Series 66 designation and has worked at Bank of America and Merrill since 2011. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Michael Manning is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Diego, CA, holding a Series 63 designation and bringing 40 years of industry experience. Prior to joining Raymond James in 2025, he spent 15 years at Commonwealth Financial Network. Outside of his advisory role, Manning is the CEO and majority owner of The Manning Companies, a firm providing wealth management and retirement plan services. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, pension plans, charitable organizations, corporations, and municipal entities. The firm emphasizes non-discretionary financial planning and investment consulting, supported by asset-allocation analysis, modeling tools, and firm research, often working in an advisory capacity rather than as a delegated manager.

June David Caalaman is a financial advisor at LPL Financial with three years of industry experience. He holds a Series 66 designation and has worked at several firms, including Mechanics Bank, Cetera, Securities America, and California Coast Credit Union. His background also includes roles outside the financial industry, such as positions at United Cerebral Palsy and Southwestern College. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients, including high-net-worth individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Tracey Davis is a financial advisor at Ameriprise with 39 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Ameriprise and its affiliate since 2014. Davis serves on the Eller Alumni Advisory Council, which supports the University of Arizona's business college. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendations. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

James Atwood is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. His prior roles include positions at Merrill and LPL Financial. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary services, supported by a nationwide network of over 10,000 advisors.

Julian Bartolomei is a financial advisor with J.P. Morgan Securities in La Jolla, CA, holding Series 63 and Series 66 licenses and having 14 years of industry experience. He has been with J.P. Morgan Securities since 2015. 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 through a team of Wealth Advisors. As a subsidiary of J.P. Morgan, the firm combines institutional advisory services with brokerage, distribution, and investment management capabilities.

Cynthia Cairo is a financial advisor with LPL Financial and holds a Series 63 designation. She has 29 years of industry experience, including prior roles at Securities America Advisors, Securities America Inc, and National Planning Corporation. Outside of finance, she owns Studio Fusion, a dance and fitness studio in Huntington Beach, CA. 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 advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.