David Foster is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked with Cuna Mutual Group, Cuna Brokerage Services, Southland Credit Union, and University & State Employees Credit Union. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and a variety of portfolio strategies.

Bryan Plank is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing 35 years of experience to his role. Born in Queens, New York, he has been part of a team serving clients in California for over four decades. Bryan specializes in family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor’s Degree from the University of Southern California and a Professional Investment Advisor (PIA) designation. Bryan emphasizes creating personalized financial strategies that align with clients’ long-term goals, offering access to the investment insights of Merrill and the banking and lending solutions of Bank of America. Committed to community involvement, he participates in local volunteer activities in keeping with Merrill’s tradition. Outside of work, Bryan enjoys gardening, music, and writing.

Jose Trevino is a financial advisor at Edward Jones with 33 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Trevino has been with Edward Jones since 1992. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of investment advisory programs and affiliated financial services through a large nationwide network of advisors and branch offices.

Lawrence Andrews Jr. is a CFP®-certified financial advisor with over 41 years of industry experience. He is currently with Morgan Stanley in La Jolla, CA, having previously worked at City National Bank and RBC Capital Markets LLC. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets through a structured discovery process and advanced planning tools.

Hue Simone is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial in 2018, they held positions at B of I Federal Bank and Amazon Prime Now, and worked at the University of San Diego. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Michele Colon is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and having one year of industry experience. She has been with UBS Financial Services since 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor advice to clients' goals and risk tolerances.

Marisa Clayton is a financial advisor with Wells Fargo Clearing in La Jolla, CA, holding a Series 66 designation and 24 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services 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.

Lance Pelky is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior experience includes roles at VOYA Financial Advisors and America’s Tax Solutions. Outside of his advisory work, he is involved with Fine Wine Purveyors, a business he owns that is unrelated to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a broad range of advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party providers.

Christina Cleveland is a financial advisor at LPL Financial with 13 years of industry experience. She holds a Series 66 designation and previously worked for Lincoln Financial Securities for nine years. Outside of her advisory role, Cleveland is also active as an administrative representative at SDIS, Inc., and serves as an administrative assistant for Piano Financial & Insurance Services. 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, retirement plan consulting, and brokerage services, supported by model portfolios, third-party research, and various investment strategies.

Gabriel Ruz is a financial advisor at Edward Jones with a Series 66 designation and six years of industry experience. Prior to joining Edward Jones in 2019, he worked at Tesla Inc and Solar City. Outside of his advisory role, he is involved in managing a rental property in Chula Vista, California. 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 strategies, supported by a large network of financial advisors and branch offices nationwide.

Christopher Ouimet is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked with various Cetera entities since 2019 and was previously associated with Foresters Financial Services. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with diverse investment program options.

Alejandro Valle is a financial advisor at Morgan Stanley with 33 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. He holds the Series 63 designation. 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 tailored financial planning, managing approximately $2.74 trillion in client assets.

Faustina Kerr is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 15 years of industry experience. Her background includes roles at First Allied Advisory Services and multiple Cetera entities. Beyond her advisory work, she serves on the board of directors for North Park Little League and is an inspirational author and coach through her business, Guided Connections. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Jennifer Appel is a financial advisor with LPL Financial, holding a Series 66 designation and eight years of industry experience. She has been with LPL Financial since 2016. Outside of her advisory role, she operates McKenna Financial, an entity affiliated with her LPL business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and various investment programs supported by LPL Research and third-party subadvisors.

William Mc Gowan is a financial advisor with Charles Schwab, holding a Series 66 license and six years of industry experience. His prior work includes roles at P&G, Macy's Inc., and Indiana University before joining Charles Schwab and Co., Inc. and Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering brokerage, custody, and advisory services through its Schwab Wealth Advisory wrap fee program. The firm’s model combines non-discretionary advisory services with access to affiliated discretionary separately managed accounts and uses multi-asset model portfolios supported by extensive research and due diligence.

Tom Gengler is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, and Customer Relationship Advocate. Prior to joining Fidelity, he worked as an Internal Wholesaler at American Funds Distributors and held positions at Janus Capital and Oppenheimer Funds. Tom holds a California Insurance License. His approach centers on gaining a thorough understanding of clients' personal and financial priorities, assessing their risk tolerance, and creating customized plans to help achieve their goals. Outside of his professional work, Tom enjoys activities such as golf, traveling, outdoor adventures, spending time at the beach, exploring culinary experiences, and cars.

Jason Lavely is a CFP® and holds a Series 66 license, with 11 years of experience in the financial industry. He has been with Edward Jones since 2015, working out of San Diego, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

David Loughlin is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2011. He has been with Fidelity Investments since 2009, progressing through roles including Financial Consultant, Investment Representative, and Financial Representative. Prior to joining Fidelity, he served as AVP, Financial Advisor at Banc of America Investment Services from 2007 to 2009, and held financial advisor roles at TD Ameritrade, Inc. and AXA Advisors, LLC. With over two decades of experience in financial planning, David has worked with a diverse range of clients to develop, implement, and maintain long-term financial plans. He holds a California Insurance License, supporting his work in financial consulting. Outside of his professional work, David enjoys baseball, football, golf, puzzles, reading, and traveling.

Trent Seybold is a CFP® and CFA® with seven years of experience in the financial industry. He is currently with LPL Financial and has prior experience at OSAIC, FSC Securities Corporation, and Marangola Financial Group. Outside of advisory work, he prepares taxes as part of his role at Marangola Financial Group. 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 wide range of advisory programs, financial planning services, and access to model portfolios and research from multiple sources.

Simon Petro is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2018. Outside of his advisory role, he has been involved with Access Destination Services since 2015 and previously worked in event production at SD Event Production. 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 tailored financial planning that utilizes firm-approved tools and modeling techniques.