Dirk Harris is a CFP® professional with 18 years of industry experience, currently affiliated with RBC Capital Markets. He previously worked at Bank of America, Merrill, and AlphaCore Capital, and has maintained a role with D&B Management since 2018. His other business activity includes holding power of attorney responsibilities. RBC Wealth Management, a division of RBC Capital Markets, serves individual and institutional clients with a range of advisory programs offering portfolio management, financial planning, custody, and brokerage services. The firm employs tailored investment strategies and a combination of internal and external managers to meet diverse client needs.

Arland Kelly is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at SCF Investment Advisors, INC. and SCF Securities, INC. He also operates Kelly Financial, which has been active since 2005. 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 representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management approaches alongside model portfolios and research from various sources.

Amy Palmer is a financial advisor at Edward Jones with 18 years of industry experience. She holds a Series 66 designation and has prior experience at Essential Edge Compliance Outsourcing, Independent Financial Group, M Holdings Securities, and Commonwealth Financial Network. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Teresa Garrett is a financial advisor with LPL Financial, holding a Series 66 license and bringing 10 years of industry experience. She has previously been affiliated with CUSO Financial Services, L.P. and Grove Point Licensing, LLC. Outside of her advisory role, she is a partner in Leatherback Supply Company, a retail and wholesale business where she assists with direct sales and marketing. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides various advisory programs, financial planning, and retirement consulting through a national network of investment adviser representatives.

Daniel Proctor is a financial advisor with LPL Enterprise, holding a Series 66 designation and 18 years of industry experience. He previously worked at Cuso Financial Services, LP for 15 years before joining LPL Financial in 2018. LPL Enterprise serves a diverse clientele including individuals, retirement plans, charitable organizations, corporations, and institutional clients. The firm offers financial planning, consulting, and access to model portfolios, third-party asset management programs, and a range of brokerage and insurance products through its integrated advisory and brokerage platform.

Walaiporn Adzema is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Clearing since 2016, following five years at Wells Fargo Advisors LLC and over 20 years at Wells Fargo Bank NA. 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. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.

Dylan Devin is a financial advisor at Cetera with eight years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Cetera since 2019. Prior to that, he was with Foresters Financial Services and has experience with MGM Resorts International and Aztec Shops. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining discretionary and non-discretionary services across various program structures.

Phoebe Huynh is a financial advisor at LPL Financial with a Series 66 designation and two years of industry experience. Before joining LPL Financial in 2023, she worked at Target for six years and at UC San Diego for three years. 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 and financial planning services, utilizing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Stephen Corbett is a financial advisor with Cetera, holding a Series 66 designation and 21 years of industry experience. His career includes roles at several Cetera entities since 2016, as well as prior experience with Girard Securities, Inc. and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered adviser serving a nationwide network of independent advisors and a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. 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.

Claryann Olofsson Loo is a financial advisor at LPL Financial with Series 66 credentials and four years of industry experience. Prior to joining LPL Financial in 2019, she worked at Patterson Dental Supply from 2017 to 2019 and has held various roles since 2016, including positions with Vela Nuoto Ancona and Club Natacion Boadilla. 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, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Darren Pfefferman is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 1994. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering 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 employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Sierra Gibson is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and three years of industry experience. She has worked at MML Investor Services LLC and MassMutual/Pacific Coast since 2019 and previously was employed at Primerica. Outside of advisory work, she serves as Chief Operating Officer of Troyo Mercedes Inc, a business consulting and operations management firm. Mass Mutual Investors Services is an SEC-registered broker-dealer and investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers ongoing, collaborative financial planning using firm-approved tools, with implementation of recommendations as optional and requiring separate arrangements.

Nathan Parviz is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley and its private bank since 2020, following prior roles at Wells Fargo Clearing, Wells Fargo Advisors, and Wells Fargo Bank. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutions, with an emphasis on tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Keri Kirchner is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 66 licenses and having nine years of industry experience. She has been with Ameriprise and its affiliate since 2016. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to produce written recommendation reports. The firm provides a wide range of advisory, brokerage, and insurance solutions through its affiliated entities.

Terry Lecompte is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and having two years of industry experience. Prior to joining Primerica Advisors in 2024, Terry worked at Transamerica Financial Advisors and World Financial Group, Inc. Terry’s business activities include sales of loan products and referrals for home security and automation services through affiliates of Primerica. Primerica Advisors manages a wrap-fee asset management program serving individual, corporate, and charitable clients, utilizing model-driven investment strategies supported by third-party asset managers and custodians.

Christine Day Reyes is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 14 years of industry experience. She previously worked at UnionBanc Investment Services and MUFG Union Bank. Outside of advising, she is involved in a family business, New Millennium Courier Service, Inc., where she serves as an accounts receivable specialist. 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, and retirement consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Christian Reuter is a financial advisor with LPL Financial, holding a Series 66 designation and 22 years of industry experience. He previously worked at RBC Capital Markets for 13 years before joining LPL Financial in 2025. Outside of his advisory role, he is involved with Forseti Enterprises LLC, a business entity for tax and investment purposes. 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, and retirement consulting, utilizing model portfolios, research, and various management approaches.

Rosamond Moylan is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and five years of industry experience. Her work history includes positions at UBS, GID, and Second Beach, as well as roles outside the financial sector such as at TwoTen Oyster Bar and Boston College. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, employing proprietary research and model-based asset allocations to customize financial plans. The firm combines institutional trading capabilities with wealth management services, offering a broad platform that includes brokerage, investment advisory, custody, and capital markets functions.

Gary Soble is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and bringing 38 years of industry experience. He has been with LPL Financial since 1993 and has been involved in direct sales with USANA since 1995, where he earns residual income from a nutritional network marketing company. 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 financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside model portfolios and research.

Spencer Johnston is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 15 years of industry experience. His prior roles include positions at The Gensler Group, Johnston Accountancy, Heritage Wealth Management, The Kocen Financial Group, and Financial Goal Securities. Outside of financial advising, he has worked as a driver for ride-sharing 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 provides a range of advisory programs, financial planning, and retirement consulting, offering both discretionary and non-discretionary management supported by research and model portfolios.