Gabriel Ramirez is a Series 66-licensed financial advisor at J.P. Morgan Securities with one year of industry experience. Prior to joining J.P. Morgan Securities, he held roles at JPMorgan Chase Bank, N.A., CEA CAPA, Signet Strategic Wealth Management, and spent three years at the University of Colorado Boulder. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative and qualitative research and may incorporate ESG criteria, with final investment decisions made by clients.

Daniel Rosen is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he serves as an executor and co-executor for a trust in Massachusetts. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers diverse investment and financial product services through its extensive network.

Brandon Gill is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds the Series 65 and Series 63 designations and has worked at firms including First Republic Bank, Wells Fargo, and Mission Hills Church Inc. in various capacities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program.

Nicholas Lechuga is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. He holds a Series 66 designation and has been with Wells Fargo Clearing since 2016, having also worked at Wells Fargo Bank, N.A. since 2006. Outside of his advisory role, he co-owns an online retail business selling sports equipment, toys, baseball cards, comics, and cars. 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.

Michael Dose is a ChFC® designated financial advisor with 38 years of industry experience. He is currently with Cambridge Investment Research Advisors, Inc. in San Diego, CA, having joined in 2025. His prior experience includes roles at Dempsey Lord Smith, LLC, Emerson Equity LLC, Center Street Securities, Gradient Securities, LLC, Infinity Financial Services, and LPL Financial. Outside of his advisory work, he is involved as an agent with The Retirement Strategy Connection, a business he has been associated with since 2000. Cambridge Investment Research Advisors, Inc. serves a diverse client base of individual and institutional investors, including pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages a multi-billion dollar asset base and provides access to multiple platforms and third-party advisers, including proprietary model strategies under the Founders Gate Capital brand.

Luz De Sol Olmeda Morgan is a Financial Advisor at Merrill Lynch Wealth Management. She holds the professional designation of CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA).

Keith Dilloway is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 licenses and 23 years of industry experience. His prior roles include positions at Morgan Stanley and Commonwealth Financial Network. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Toby Ferner is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 25 years of industry experience. His prior experience includes roles at UBS Financial Services and Morgan Stanley DW Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement consulting services, managing approximately $671 billion in assets and employing over 14,000 advisors.

Mary Moses is a financial advisor with RBC Capital Markets in La Jolla, CA, holding a Series 66 designation and 17 years of industry experience. She has worked at RBC Capital Markets since 2017 and previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC. Mary serves as Treasurer of the Village Bloom Foundation, a charitable organization. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves individual, institutional, and charitable clients through various advisory programs. The firm offers tailored portfolio management solutions using both in-house and third-party managers and incorporates features such as tax management, responsible investing, and alternative investments.

William Boggs is a CFP®-designated financial advisor with 19 years of industry experience. He is currently with Wells Fargo Advisors in La Jolla, CA, having joined the firm in 2025. Prior to this, he worked for nine years with Pence Wealth Management Corporation and LPL Financial, LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients, offering a broad range of investment and fee-based financial planning services. The firm provides tailored recommendations supported by internal research and planning tools, covering diverse areas such as retirement, education, and specialized planning for business owners and other niche needs.

Wenduo Guo is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He previously worked at First Command Advisory Services and its affiliated firms from 2016 to 2019 before joining Cambridge in 2019. Guo is also an independent insurance agent associated with Fortress Brokerage. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm operates through thousands of financial professionals and provides access to multiple investment platforms, proprietary model strategies, and third-party advisers.

Travis Lewis is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and over 23 years of industry experience. He has worked at several firms including Commonwealth Financial Network and Securities America Advisors, Inc. In addition to his advisory work, Lewis co-owns several businesses related to tourism and charter services in Ketchikan, Alaska. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers various financial planning and investment management solutions through a large network of advisors supported by research, technology tools, and a comprehensive platform including related financial products and services.

Dustin Rief is a Certified Financial Planner (CFP®) with 23 years of industry experience. He has worked at UBS Financial Services since 2019 and previously spent time at Mercer Global Advisors Inc. and Mercer Advisors. He is based in San Diego, CA. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management through proprietary research and a broad service platform.

Tian Lin is a financial advisor with Charles Schwab & Co., Inc. in San Diego, CA, holding Series 63 and Series 66 licenses and two years of industry experience. Prior to joining Charles Schwab, Lin spent time in full-time education and worked in early childhood education and homemaking roles. 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’s investment approach combines non-discretionary advisory relationships with access to discretionary separately managed accounts and multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Steven Lahre is a financial advisor with RBC Capital Markets in San Diego, CA, holding Series 63 and Series 65 designations and bringing 47 years of industry experience. His career includes roles at City National Bank, Morgan Stanley, and Citigroup Global Markets. He serves as a mentor and advisory board member for the San Diego High School Academy of Finance. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles using both in-house and third-party investment managers.

Luke Ervin is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves as a board member and Treasurer for the La Jolla Golden Triangle Rotary Club Foundation. 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, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Brian Duckworth is a financial advisor with Equitable Advisors, holding a Series 66 designation and 17 years of industry experience. His prior roles include work at TIAA-CREF from 2016 to 2020 and earlier years at Equitable Advisors from 2009 to 2016. Outside of his advisory work, he serves as a trustee for both an immediate family trust and a personal living trust. Equitable Advisors serves individual clients, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients, offering financial planning, retirement plan consulting, and various asset management programs through a network of Investment Adviser Representatives. The firm utilizes a range of advisory models and relies on third-party program sponsors and affiliated asset managers to deliver investment solutions.

Krista Goryl is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. She worked at Merrill from 2004 to 2009 before joining Wells Fargo in 2016. Outside of financial advising, she has a 50% ownership interest in a sports company called SECRETS OF SUPERWOMEN, LLC. 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 a range of brokerage and advisory solutions supported by research and analytics.

Emilia Rivera is a financial advisor at Morgan Stanley with 7 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm’s approach incorporates structured discovery conversations and firm-approved planning tools, utilizing various modeling techniques to support client planning.

Caden Kelley is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities LLC and J.P. Morgan Chase Bank NA since 2021, with prior experience at Bank of America NA and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a manager solutions team and integrates ESG considerations alongside traditional investment strategies.