Michael Bradshaw is a financial advisor at Raymond James & Associates with 52 years of industry experience. He previously worked at Merrill for 45 years and Bank of America for 12 years. Bradshaw holds Series 63 and Series 65 licenses and is based in San Diego, CA. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Jana Gingerich is a financial advisor at LPL Financial with 11 years of industry experience. She holds the ChFC® and Series 66 designations. Prior to joining LPL Financial in 2024, she worked at RBC Capital Markets, Wells Fargo Clearing, and Ameriprise 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, offering a range of advisory programs, retirement plan consulting, and brokerage services.

Andrew Roybal is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 30 years of industry experience. Prior to joining LPL Financial in 2020, he spent 24 years at Uboc Investment Services, Inc. Based in San Diego, CA, he operates Roybal Wealth Management in conjunction with his LPL business. 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 financial planning and advisory programs, including both discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.

Dustin Grimm is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity for over a decade, working in various capacities including Financial Consultant, Investments Representative, and Financial Representative. Prior to joining Fidelity, he worked as a Personal Banker at Bank of America from 2006 to 2008. Dustin's experience spans wealth planning and working with clients and families in diverse financial situations. He holds a California Insurance License, supporting his work in financial consulting and planning. He is committed to helping clients pursue their financial goals through comprehensive wealth planning services.

Joseph Morse II is a CFP® professional with 33 years of industry experience, currently affiliated with LPL Financial since 2019. He previously spent a decade at Wells Fargo Advisors Financial Network LLC. Morse operates Morse Wealth Management, LLC, an investment-related business based in La Mesa, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting through a national network of investment adviser representatives.

Julio Olague is a financial advisor with LPL Financial in San Diego, CA. He holds a Series 66 designation and has five years of industry experience. Prior to joining LPL Financial, he worked at Aerotek and Allstate. 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 financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and third-party subadvisors.

Eric Hutz is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management, bringing over 25 years of experience in the financial services industry. He began his career in 1999 in retail banking, progressing through various frontline and leadership roles including Teller and Branch Manager. His extensive background encompasses loan origination, small business banking, and private client advisory, which provides him with a comprehensive perspective on both personal and business finances. Since becoming a Financial Advisor in 2014, Eric has served clients primarily in the South San Diego market before expanding his practice to support clients across California and nationally. He focuses on detailed financial planning and communication, taking time to understand each client's goals and building personalized financial strategies. His approach emphasizes collaboration and long-term planning. Eric holds a Bachelor's Degree in Economics from the University of California, San Diego, and has earned several professional credentials including Certified Plan Fiduciary Advisor® (CPFA®), Retirement Accredited Financial Advisor (RAFA), Certified Exit Planning Advisor (CEPA®), and Senior Portfolio Advisor in Merrill Lynch's Investment Advisory Program. He is involved with Make-A-Wish San Diego and resides in Chula Vista with his wife and two children. Outside of his professional responsibilities, Eric enjoys practicing yoga, exploring new dining options, traveling internationally, and spending time with his family.

Michael Valentini is a financial advisor at J.P. Morgan Securities LLC with four years of industry experience. He holds Series 65 and Series 66 licenses. Prior to joining J.P. Morgan, he worked at Bank of America and Merrill Lynch. Outside of his advisory role, he occasionally performs as a bassist with a corporate and wedding band in San Diego. J.P. Morgan Securities 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.

James Nuzzi is a financial advisor with OSAIC in San Diego, CA, holding the ChFC® and Series 63 designations and having 43 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 11 years. He also operates Nuzzi Financial Network, which provides insurance products including accident, health, disability, fixed annuities, and life insurance. OSAIC 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 advisory services, utilizing asset-allocation tools and multiple advisory platforms to manage portfolios across various asset classes.

Travis Makings is a financial advisor with LPL Financial in San Diego, CA, holding Series 66 and Series 63 credentials and possessing 26 years of industry experience. He has been with LPL Financial since 2011. 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, combining discretionary and non-discretionary management with model portfolios and research from multiple sources.

Holly Peterson Hall is a financial advisor with Ameriprise in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2009. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset thresholds, providing detailed, annual written Recommendation Reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers these services through a centralized consulting team working alongside financial advisors.

Thomas Wyckoff is a financial advisor with LPL Financial in San Diego, CA, holding CFP® and CFA® designations and the Series 66 license. He has 15 years of industry experience, including prior roles at Validus Growth Investors, Pinhook Capital, and Lucia Securities. Wyckoff is involved in investment-related business activities through affiliated entities connected to his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services, with access to model portfolios, third-party research, and technology-based investment solutions.

Natalia Ledesma Hodoyan is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 credential. She joined Morgan Stanley in 2026 and has a diverse background including roles in higher education and brand-related positions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning emphasizes structured discovery and firm-approved tools without specific security recommendations in standalone plans.

Dominic Mares Do is a financial advisor at Equitable Advisors with one year of industry experience. He holds a Series 66 designation and previously worked in education at Cal Poly, Pasadena High School, and Singapore American School. Equitable Advisors serves individual, high-net-worth, retirement plan, corporate, charitable, and institutional clients, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing LPL-sponsored programs and third-party managers to deliver advisory and brokerage solutions.

Carmel Spiteri is a Series 65-licensed financial advisor with Cambridge Investment Research Advisors, providing advisory services since 2014. She has 16 years of industry experience and also serves as a branch manager at Benchmark Mortgage. In addition, she instructs courses for the California Association of Realtors and is an adjunct professor at Woodbury University. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent financial professionals, utilizing a variety of portfolio management and model-based strategies.

Javier Leon is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. He has been with LPL Financial since 2017 and previously worked at Westmont Retirement Living for one year. 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 financial planning and advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party providers.

Thomas Mcmullen is a financial advisor at UBS Financial Services with 37 years of industry experience. He holds Series 63 and Series 65 designations and has been with UBS since 2013. Outside of his advisory role, he assists with a family-run gourmet popcorn business owned by his wife. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Austin Tipp is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has four years of industry experience and previously worked at First Republic Securities Company, LLC, and First Republic Investment Management, Inc. Tipp serves as an officer in the U.S. Navy Reserve. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Laura Khorshid is a Private Wealth Manager with Merrill Private Wealth Management. She works with individuals, families, businesses, and philanthropies to provide tailored financial planning and advisory services. Laura collaborates closely with clients and their other advisors to develop customized plans and leverages a team of specialists to enhance the guidance she delivers. Her areas of focus include college education planning, family wealth management strategies, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, and tax minimization. Laura is committed to ongoing learning and regularly seeks client feedback to improve her practice, aiming to clarify investment opportunities and navigate changing market conditions while providing solutions aligned with clients' goals. Laura holds a Bachelor's Degree from the University of Southern California and has earned professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). She is fluent in English, Chinese, and Arabic. Outside of her professional work, Laura enjoys antiquing, boxing, football, horseback riding, reading, running, spending time with family, swimming, traveling, and yoga. She is also involved with the Alternative Spring Break (ASB) Death Valley organization.

Paul Curnutte is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he is a business owner at Townes & Co, a non-investment related venture. 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 research and model portfolios.