Oscar Delgado is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 designations and eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has worked with Wells Fargo Bank NA since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and 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.

Norberto Frassa is a CFP® and Series 66 credentialed advisor with Morgan Stanley in La Jolla, CA, bringing 21 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to assist in financial decision-making.

Angelina Blackwell is a financial advisor with LPL Enterprise holding a Series 66 designation and two years of industry experience. She previously worked at Rocket Mortgage and The Prudential Insurance Company of America. Outside of her advisory role, she manages a mortgage and real estate services business, Avenue3 Realty, serving mainly family and friends. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, and third-party asset management with an integrated platform combining adviser programs and financial product sales.

Iliana Kline is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. She has been with LPL Financial since 2014. Outside of her advisory role, she works part-time at Pottery Barn. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions, offering a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Joleen Rose is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2022. Prior to this, she was with LPL Financial, LLC and Northwestern Mutual Investment Services LLC. Outside of advising, she is involved with Triangle Holdings LLC, a property management business in San Diego. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and serves a broad client base with a range of investment programs.

Nicholas Sanchez is a financial advisor at Equitable Advisors in San Diego, CA, with 10 years of industry experience. He holds a Series 66 designation and previously worked at My Lineage and Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to deliver tailored client services.

Ryan Kelly is a financial advisor with Fidelity Investments in San Diego, CA, holding Series 63 and Series 66 licenses and having two years of industry experience. Prior to joining Fidelity, he worked in various roles including positions at Lululemon Athletica and several restaurant establishments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its involvement with registered investment companies, the use of systematic methodologies, and its role in constructing model portfolios for Fidelity Institutional Wealth Adviser.

Christian Torres is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on areas including corporate benefits, education planning, employee benefits planning, international wealth management, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and small business strategies. Born in Northern California and raised in San Diego from the age of six, Christian developed an appreciation for community relationships and opportunity. He pursued financial planning after college to educate people and make a meaningful difference in the lives of the people and families he serves. Christian holds a Bachelor's Degree from the California State University System and a Master's Degree from the College for Financial Planning. His professional designations include Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In his personal time, he enjoys boxing, fishing, football, hiking, music, reading, soccer, spending time with his family, traveling, and watching movies.

Logan Wright is a financial advisor with LPL Financial in San Diego, CA. He holds a Series 66 designation and has experience working in various roles since 2016, including positions at San Diego Tax Service and Aya Healthcare. LPL Financial serves 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 advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management alongside research-supported model portfolios and alternative strategies.

Brenda Contreras is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 15 years of industry experience. She has been with Wells Fargo firms since 2009, including Wells Fargo Advisors LLC prior to her current role. Outside of her advisory work, she teaches exercise classes at 24 Hour Fitness and produces weekly videos on healthy lifestyle topics such as nutrition, exercise, budgeting, and stress reduction. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is driven by investment policy statements and modern portfolio theory, serving as an ERISA fiduciary and incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Evelyn Lara is a CFP® professional with 23 years of experience in the financial industry, currently working at Wells Fargo Clearing since 2016. She previously worked at Wells Fargo Advisors, LLC from 2013 to 2016. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Craig Solenzio is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA 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, such as insurance-related vehicles and bank deposit sweep options.

Brian Donaghy is a financial advisor with Merrill, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. He has been with Merrill since 2013, based in La Jolla, CA. Merrill, through its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Ivan Lopez is a Financial Advisor at Merrill Lynch Wealth Management. He provides advice and guidance to executives, small business owners, and families, helping align their investments with their life goals through tailored planning processes. Ivan employs risk management strategies designed to achieve his clients' financial objectives. With over 18 years of combined experience in investment, planning, banking, and client relations, Ivan's career encompasses work with small start-ups, large businesses, individual planning, trust and estate planning strategies, and wealth management. He holds the FINRA Series 7, 63, and 65 registrations, as well as the Chartered Retirement Planning Counselor (CRPC) designation. Ivan is fluent in English and Spanish. Born and raised in San Diego, Ivan has a passion for his faith and spends quality time with his family. He is involved in community organizations including Baja Bound Ministries, Diocese of San Diego, and San Diego Food Bank. His personal interests include baseball, biking, boxing, football, hiking, reading, soccer, traveling, and watching movies.

Nicholas Remer is a CFP® professional with 10 years of industry experience, currently serving at Cetera since 2019. He previously worked at Foresters Advisory Services LLC and Foresters Financial Services. Outside of his advisory role, he owns and operates Remer Filmmaking and serves as president of the Canyonview Homeowners Association board. Cetera Investment Advisers LLC is an SEC-registered firm offering a range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm supports a multi-manager platform with various program structures and serves over 800,000 clients through more than 10,000 advisors.

Roberto Vasquez is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2014, also working with JPMorgan Chase Bank since 2008. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis supported by a centralized due-diligence framework.

Steven Kerston is a financial advisor at LPL Financial with 16 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Redwood Credit Union and Cuso Financial Services LP prior to joining LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and retirement plan consulting, supported by both discretionary and non-discretionary management approaches.

Elizabeth Pille is a financial advisor at Morgan Stanley with 43 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as at Citigroup Global Markets since 1998. Outside of finance, she is involved with the Living Right Wellness Center, a healthcare and wellness facility. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.

Eugenio Pedraza is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 66 and Series 63 licenses. He has six years of industry experience and has previously worked at JPMorgan Chase Bank and Wells Fargo Clearing Services. His background includes roles in marketing and banking, as well as experience at New Mexico State University. 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.

Phillip Wendt is a CFP®-certified financial advisor with Wells Fargo Clearing, based in San Diego, CA, and has six years of industry experience. He has worked at various Wells Fargo entities since 2014. 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 advice with an IPS-driven approach grounded in modern portfolio theory. The firm includes a broader range of financial products than many peers, such as insurance-related vehicles and bank deposit sweep options.