Joseph White is a CFP® with 23 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Investments, LLC and Ameriprise. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm uses research and analytics to guide investment decisions and offers a range of brokerage and advisory solutions.

Christopher Schwartz is a financial advisor with LPL Financial, holding a Series 66 designation and bringing 11 years of industry experience. He previously worked at Commonwealth Financial Network for 10 years and OneAmerica Securities, Inc. for one year. Based in San Diego, CA, he joined LPL Financial in 2026. 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 a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by both discretionary and non-discretionary investment strategies.

Tim Pantaleon is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. His prior roles include positions at Commonwealth Financial Network and Cuso Financial Services. 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 portfolio programs, and institutional platforms.

Jeffrey Nessia is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 25 years of industry experience. Prior to joining Wells Fargo Clearing in 2023, he worked at J.P. Morgan Securities for 11 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Ethan Lagasse is a financial advisor at Osaic with one year of industry experience. He holds a Series 66 designation and has worked at Lincoln Financial Advisors and The Spot prior to joining Osaic. He completed his education at Santa Clara University and St. Augustine High School. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach utilizes model-based asset allocation and portfolio optimization supported by various analytical tools and offers a range of managed and third-party strategies.

Michael Marangola is a CFP® and ChFC® with 26 years of industry experience. He is currently an advisor at LPL Financial and has previously been associated with FSC Securities Corporation and OSAIC. He is the owner and president of Marangola Financial Group, which also provides income tax preparation services. 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 a range of advisory services including financial planning, model portfolio programs, and third-party asset management across various platforms.

Karina Mendoza is a Series 66-licensed financial advisor at UBS Financial Services with seven years of industry experience. She has worked at UBS since 2019 and previously had brief tenures at Merrill Lynch. Outside of her advisory roles, she was involved with YMCA San Diego County for five years and San Diego State University for four years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, using proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Sharon Loero is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 66 and Series 63 designations and bringing 26 years of industry experience. Her prior work includes roles at Charles Schwab and Co., Inc. and TD Ameritrade Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services, managing roughly $671 billion in assets across more than 14,000 advisors.

Christopher Gregson is a financial advisor with LPL Enterprise in San Diego, CA, holding a Series 66 credential. He has been with LPL Enterprise since 2025 and has prior experience in roofing and insurance services. Gregson is involved with Emerald Street Capital and has a longstanding role at I-Surance Insurance Services. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, employer-sponsored retirement plans, banks, corporate, and charitable entities. The firm primarily uses model-driven investment implementation and offers access to third-party asset managers, financial planning, and affiliated insurance and trust services.

David Smith is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch for the past 15 years. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Edward Vita is a Series 66-licensed financial advisor with six years of industry experience. He currently works at LPL Financial and has previously held roles at Commonwealth Financial Network, UBS Financial Services, and Fortrend Securities. Outside of his advisory career, he has experience in wine consulting and spent time working at McP's Irish Pub. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a network of over 22,900 investment adviser representatives.

Joshua Billauer is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Prudential Equity Group and Morgan Stanley. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Jason O Reilly is a financial advisor with LPL Financial based in San Diego, CA. He holds Series 63 and Series 66 licenses and has seven years of industry experience. Prior to joining LPL, he worked at HSBC Bank USA, N.A., HSBC Securities (USA) Inc., Wells Fargo, and Citibank. He is also dual-hatted as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products and services alongside his registered representative role. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supporting advisors with research and operational tools while managing over $819 billion in discretionary assets.

Erik Karlson is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. 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, operating under a fiduciary standard.

Naief Al Chaikh is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and having 15 years of industry experience. His prior experience includes roles at Ameriprise and Comerica Securities, where he worked for nine years. He is also involved with Comerica Bank through outside employment related to financial advisory activities. 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 range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing model portfolios, customized strategies, and various operational tools across a broad network of investment adviser representatives.

Nicholas Fragoso is a financial advisor at OSAIC with five years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at San Diego Tax & Wealth Management. In addition to his advisory role, he provides income tax preparation and financial planning services through his own S-Corporation and seasonal sole proprietorship. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with a model-based investment approach that emphasizes asset allocation, portfolio optimization, and risk management.

David Cynkin is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and two years of industry experience. His background includes roles at UBS since 2023 and academic positions at the University of Oregon from 2019 to 2023. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets and fiduciary services.

Julia Farag is a CFP® and Series 66 licensed financial advisor with one year of industry experience. She is currently with Cetera and previously worked at Fonte Financial Advisors for three years. Outside of her advisory role, she serves as Vice President of the nonprofit board for Kai Elua Outrigger Canoe Club. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various program options, including discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Tracie Dasilva is a Wealth Management Advisor associated with Merrill Lynch Wealth Management. She contributes to personal planning and wealth management with a focus on integrity, transparency, and client education to foster long-term multigenerational relationships. While specific details about her individual experience, education, or community involvement were not provided, Tracie's role situates her within a practice that emphasizes comprehensive, client-centric strategies tailored to personal goals and values.

Ryan Barnhill is a Series 66 licensed advisor at LPL Financial with 12 years of industry experience. He previously worked at Edward Jones for nine years before joining LPL Financial in 2023. Barnhill also operates Barnhill Wealth Management, a DBA for his LPL business. 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 a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.