Nicole Carner is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding a Series 66 designation and bringing 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling as part of its financial planning process.

Lisa Licini is a financial advisor with UBS Financial Services in La Jolla, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with UBS Financial Services since 2008. 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 utilizes proprietary research and model-based asset allocations to tailor investment strategies.

Mario Pometta III is a Series 66-licensed financial advisor with 11 years of industry experience, currently with LPL Financial. His prior experience includes roles at Redwood Credit Union, CUSO Financial Services, Sorrento Pacific Financial, and Edward Jones. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, corporations, and nonprofits. The firm offers a range of financial planning and advisory programs, utilizing model portfolios, third-party subadvisors, and technology-driven strategies.

Nicholas Mattlin is a financial advisor with LPL Financial based in San Diego, CA. He holds the Series 66 designation and has nine years of industry experience, including ten years with LPL Financial since 2016. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Danyelle Comer is a financial advisor at J.P. Morgan Securities with a Series 66 designation and over a decade of experience at JPMorgan Chase Bank, N.A. She has been with J.P. Morgan Securities since 2025. 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Patrick Vande Bossche is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining LPL Financial in 2021, he worked at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Services LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services with access to model portfolios, research, and various portfolio management options.

Christian Ortiz Gonzalez is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Bank of America and Merrill from 2019 to 2024. Outside of finance, he is involved in education and the arts, serving as a marching band coach and as an officer with a youth arts nonprofit organization. Morgan Stanley Wealth Management is a large institutional firm offering a wide array of advisory programs to individual and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery processes and firm‑approved planning tools.

Monica Bezy is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She previously worked at TD Ameritrade Institutional for 11 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets through a network of more than 23,700 advisors. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Crystal Locklear is a financial advisor at LPL Financial with two years of industry experience. She holds a Series 66 designation and has prior experience at Charles Schwab and ICON plc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from both internal and third-party sources.

Michael Peterson is a financial advisor at Osaic with nine years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Osaic in 2025, he worked at Lincoln Financial Advisors, Confidence Wealth Management, and Edward Jones, among other firms. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services and utilizes a range of asset-allocation tools and third-party platforms to manage portfolios across various investment types.

James Gallagher is a financial advisor at Charles Schwab & Co., Inc. He holds a Series 66 designation and has been with Charles Schwab since 2022. His prior experience includes roles at Peripli Trading and Zep Inc. 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 combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by its scale and integrated operational structure.

Sean Muth is a CFP®-certified financial advisor with 16 years of industry experience. He has worked at Wells Fargo Clearing since 2016, following a prior role at J.P. Morgan Securities from 2013 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Edward Finnegan is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2020 and was promoted to his current role in 2023. In this capacity, he collaborates closely with clients to develop and implement personalized financial plans that align with their individual goals, utilizing Fidelity's resources to explore various financial options. Prior to joining Fidelity, Edward held several positions at Charles Schwab & Co. from 2012 to 2020, including Vice President, Financial Consultant. His professional experience spans over a decade in financial consulting and client service roles. Edward holds a California Insurance License. Outside of his professional commitments, Edward enjoys activities such as beach visits, fitness, football, snowboarding, surfing, and traveling.

Jonathan Kelly is a financial advisor with J.P. Morgan Securities holding a Series 66 designation. He has less than one year of industry experience and previously held positions at firms including LPL Enterprise, California Coast Credit Union, and Novos. Outside of his advisory role, he is involved with El Viejon in San Diego. 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 investment process.

Yen Ho is a financial advisor at Merrill with a Series 66 designation and four years of experience in the industry. Prior to joining Merrill, Yen worked at Bank of America, N.A. and CVS, and also held positions at Diazyme Laboratories Affiliated and Mesa Community College. 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 investment strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Joshua Silverman is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He has worked at J.P. Morgan Securities and JPMORGAN Chase Bank since 2018 and was previously with TD Ameritrade Investment Management and TD Ameritrade from 2009 to 2018. Outside of finance, he works as a disc jockey at occasional events in Southern California and is involved in locating and trading used cars. 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 broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Patrick Klacka is a financial advisor with LPL Financial based in San Diego, CA. He holds the CFP® designation and has nine years of industry experience. Prior to joining LPL Financial in 2024, he worked at Graham Investment Management Inc. and operated as a self-employed advisor. Outside of advising, he is involved in several non-investment-related business ventures, including Thoroughfare Logistics LLC and auto maintenance companies in San Diego. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a wide range of clients, including individuals, retirement plans, banks, and corporations. The firm offers financial planning, advisory programs, and retirement consulting through a national network of investment adviser representatives.

Claudio Villarroel Gutierrez is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds the Series 66 designation and previously worked at Jpmorgan Securities LLC for eight years. 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 advisory services grounded in modern portfolio theory. The firm’s approach includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Brian Hoyt is a CFP® and PFS™ credentialed financial advisor with 23 years of industry experience. He is currently with LPL Financial and has worked at Tax & Capital Management 360 since 2011 and OSAIC Wealth Inc. from 2004 to 2025. In addition to his advisory role, he is involved in tax preparation and tax planning through his work at Tax & Capital Management 360. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, and institutional clients. The firm offers a range of advisory programs and financial planning services supported by model portfolios, third-party research, and advanced portfolio management technologies.

Emily Dearborn is a financial advisor at LPL Financial with 12 years of industry experience. She holds Series 63 and Series 66 credentials and has previously worked at Cetera Investment Services and Foresters Financial Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, 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, utilizing model portfolios and research from multiple sources to support various investment strategies.