Paul Neves is a financial advisor with LPL Financial, holding CFP® and ChFC® designations and over 36 years of industry experience. His career includes long-term roles at Financial Strategies And Insurance Inc and Securities America Advisors Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Aaron Curtis is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2026. He began his career at Fidelity Investments in 2021, progressing through roles including Financial Representative, Investment Consultant, and Financial Consultant. In his role, Aaron partners with individuals and families to develop comprehensive financial plans by assessing current financial situations and future goals. He holds a California Insurance License. Outside of his professional work, Aaron's personal interests include golf, pets, reading, skiing, surfing, and table tennis.

Luis Izaguirre is a financial advisor at UBS Financial Services with 24 years of industry experience. He has been with UBS since 2015 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and mutual fund distribution. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor solutions to clients' goals and risk tolerances.

Kendal Glatthorn is a financial advisor with UBS Financial Services in Philadelphia, PA, holding Series 63 and Series 65 registrations and bringing nine years of industry experience. Prior to joining UBS in 2021, he worked at Goldman Sachs & Co. from 2015 to 2021. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management offerings, leveraging proprietary research and market insights to tailor solutions for its clients.

Anne Howard is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 designations and 22 years of industry experience. She has been with LPL Financial for 20 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to model portfolios, research, and alternative strategies.

Kyle Kirkham is a financial advisor at Mass Mutual Investors Services in San Diego, CA, with 17 years of industry experience. He holds CFP® and Series 66 designations and has worked at firms including Charles Schwab, TD Ameritrade, Merrill, and Bank of America. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning and asset management services through collaborative, annual engagements using firm-approved analytical tools.

Laura Greenberg is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2017. She has been with Fidelity since 2013, progressing from Investment Consultant to Financial Consultant before assuming her current role. Prior to joining Fidelity, Laura worked as a Financial Advisor at Edward Jones from 2009 to 2013 and briefly at Merrill Lynch in 2009. In her role, Laura partners with high-net-worth individuals and families to help them clarify priorities and make informed financial decisions. She focuses on developing a deep understanding of clients' goals and values to provide thoughtful guidance and a disciplined planning framework aimed at supporting long-term financial well-being. Laura holds a California Insurance License. Outside of her professional work, Laura's personal interests include beach activities, family activities, football, social events with friends, scuba diving, and skiing.

Courtney Allen is a financial advisor with RBC Capital Markets in San Diego, holding Series 63 and Series 66 designations and 16 years of industry experience. She has been with RBC Capital Markets since 2012. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs and tailors investment strategies to clients’ advisory risk profiles using a combination of in-house and third-party managers, with options for tax management and responsible-investing screens.

Maria Maldonado is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at J.P. Morgan Securities and Pier 1. Her current role at Morgan Stanley began in 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee.

Michael Brezovsky is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to understand their unique financial situations and goals, using Fidelity's resources and his expertise to build and implement comprehensive financial plans. He serves as a reliable source of information and support for clients through changing circumstances and evolving objectives. Michael has been with Fidelity Investments since 2018, progressing through multiple roles including Financial Consultant and Investment Consultant. His experience spans workplace planning and investment consulting, providing him with a broad perspective on financial advising. He holds a California Insurance License and is a CERTIFIED FINANCIAL PLANNER™ professional.

Laurie Burkhardt is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial products including insurance-related vehicles and bank deposit sweep options.

Brian Dawidowicz is a financial advisor with OSAIC in La Mesa, CA, holding the CFP® and ChFC® designations and bringing 24 years of industry experience. He has been with OSAIC since 2004 and also operates a sole proprietorship focused on life and fixed annuity insurance products and personal income tax preparation. Dawidowicz is president and owner of ThruLine Planning, an S-Corp engaged in small business administration activities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage, investment advisory, financial planning, and retirement consulting services through a large network of affiliated advisers and multiple platforms. The firm uses various asset allocation and portfolio construction tools, supporting both discretionary and non-discretionary management with access to third-party money managers and wrap programs.

Gordon Sinkoff is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 63 designation and 46 years of industry experience. He has been with Morgan Stanley since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs including financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Benjamin Chapman is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and five years of industry experience. He has been with LPL Financial since 2020, following roles at GrantLinkx and a year of extended travel. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by proprietary and third-party research.

Matthew Carmichael is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 66 designations and eight years of industry experience. He has worked with firms including New York Life Insurance Company and NYLIFE Securities LLC since 2017. Outside of his advisory role, he serves as a board member for Operation Amped, a nonprofit organization that teaches surfing to wounded veterans. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs a variety of asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.

Lake Lapp is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities and JPMC Bank NA since 2021. His prior experience includes roles at Equitable Financial Life Insurance Co., Securities America Inc., Advisor Group, Inc., and North Star Financial Partners. He also has a background at Creighton University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence. The firm emphasizes an ESG eligibility framework and offers services through its Institutional Consulting Services program on a non-discretionary basis.

Nicolas Amodeo is a financial advisor with Cetera holding a Series 66 designation and has been in the industry since 2026. His prior work includes roles at Northwestern Mutual and various educational institutions. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting various program structures and investment strategies.

Miryana Trgo is a financial advisor at LPL Financial with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Ameriprise Financial Services, Inc. from 2015 to 2019. Outside of advisory work, she is involved in real estate rental activities. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Geojoe Thomas is a financial advisor at Merrill with 15 years of industry experience. He holds the Series 66 designation and has been with Merrill Lynch/Bank of America since 2011, based in San Diego, CA. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Stephen Lowery is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing seven years of industry experience. He has been with J.P. Morgan Securities since 2018 and previously worked at JPMorgan Chase Bank, N.A. from 2018 to 2020. Prior to his financial services career, he was involved with the YMCA of San Diego County from 2012 to 2018. J.P. Morgan Securities LLC 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis with oversight from an in-house manager solutions team.