James Waddell is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. He is based in La Jolla, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients. The firm’s financial planning process utilizes structured tools and models, delivering tailored plans through its Financial Advisors and Estate Planning Strategies Group.

Mark Hyma is a financial advisor with Cetera, holding a Series 63 credential and bringing 37 years of industry experience. He has served in various roles at firms including Avantax Advisory Services and PFS Wealth Advisors and is also involved in tax preparation and management of commercial rental properties. Hyma is the president of PFS Wealth Advisors, Inc. and the CEO of PFS Acq Corporation, which oversees financial services acquisitions. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors and serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with both discretionary and non-discretionary program structures.

Damian Olivas is a financial advisor with Merrill based in San Diego, CA. He holds the Series 66 designation and has 23 years of industry experience. He has been with Merrill since 1994. Merrill, together 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kyle Schmidt is a Financial Consultant at Fidelity Investments, where he assists clients in constructing customized financial plans tailored to their individual financial goals. He focuses on creating trusted relationships to help clients navigate everyday financial challenges and make sound investment decisions. Kyle has held several roles in the financial industry, including positions at Fidelity Investments and Natixis Investment Managers, LLC. His experience spans from investment consulting to regional directorship, reflecting a depth of knowledge in financial planning and investment management. He holds a California Insurance License. Outside of his professional work, Kyle enjoys activities such as the beach, concerts, fitness, social events, golf, and traveling.

Masha Efros is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 credential and 16 years of industry experience. She previously worked at UBS Financial Services before joining Morgan Stanley in 2017. Outside of her advisory role, she serves as Treasurer and Finance Committee Board Member for the San Diego Cooperative Preschool. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and delivers services through financial advisors and specialized planning groups.

Michelle Hollaender is a financial advisor at UBS Financial Services with 25 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has been with UBS since 2016. Prior to joining UBS, she was involved with My Home for one year. UBS Financial Services Inc. 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 provides proprietary research and capital markets solutions.

Michael Faltico is a CFP® professional with 22 years of industry experience, currently serving at Cetera since 2021. His prior experience includes roles at Voya Financial Advisors and LifePro Financial Services. He is also treasurer of the Point Loma High School Boys Basketball Booster Board. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary options.

Christopher Cohn is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Ameriprise since 2020. His prior roles include positions at Wells Fargo Advisors and Wells Fargo Clearing. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional provider.

Steven Ford is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in offering a comprehensive approach to managing wealth that begins with understanding a client's financial situation and priorities. Steven helps clients create customized wealth management strategies that are adaptable to changing needs and market conditions. He provides access to Merrill's investment insights as well as Bank of America's banking and lending services to support various aspects of clients' financial lives. Steven has over ten years of experience at Merrill Lynch following a career as an IMAX cameraman. During this time, he has developed expertise in serving endowments, foundations, and non-profits; legacy planning; managing new wealth; portfolio management; tax minimization; and retirement income. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from San Francisco State University. Outside of his professional work, Steven is active in community organizations, including the Solana Beach Little League and Solana Beach Soccer Club. He has also been involved as a coach and board member in youth sports. His personal interests include surfing, mountain biking, tennis, chess, fishing, golfing, hiking, music, photography, skiing, swimming, and spending time with his family.

Gina Scafani is a financial advisor at LPL Enterprise with a Series 66 designation and two years of industry experience. Prior to joining LPL Enterprise, she worked at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of her advisory role, she is involved in teaching yoga and supporting new instructors at CorePower Yoga in San Diego. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model wealth portfolios, third-party asset management, and a range of brokerage and insurance products, leveraging an integrated platform that combines advisory services with active sales of financial products.

Jennifer Mauldin is a financial advisor at LPL Financial with 12 years of industry experience. She holds the Series 66 designation and has worked at LPL Financial since 2011, aside from one year at First Allied Securities, Inc. from 2016 to 2017. Based in San Diego, CA, she maintains her practice within a large national firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, brokerage services, and access to model portfolios and third-party research, supporting both discretionary and non-discretionary management approaches.

Miles Fleming is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and bringing 10 years of industry experience. His prior roles include work with Waddell & Reed, Employer Services Group, and operating Lumena Financial Strategies, Inc. He has also been involved with community organizations such as the Rotary Club of Del Mar and the San Diego Council on Aging. LPL Financial serves a broad client base including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and brokerage services supported by research and technology-driven portfolio management.

Kevin Christensen is a financial advisor at LPL Financial with 15 years of industry experience. He holds a Series 66 designation and previously worked at Overland & Shanahan for four years. Christensen is involved with Align Planning LLC, a separate business entity used 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 nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, providing discretionary and non-discretionary management supported by proprietary and third-party research.

Lacy Rutter is a Series 66 licensed financial advisor with UBS Financial Services in La Jolla, CA, beginning in 2024. Prior to joining UBS, Rutter held roles at the San Diego Humane Society and the Helen Woodward Animal Center. She also worked at Geppetto's Toys for four years. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and a research-driven investment approach.

Salvador Guzman is a financial advisor at Cetera with one year of industry experience and holds the Series 66 designation. Prior to joining Cetera, he worked at E.W. Scripps and has been involved in the entertainment industry as a disc jockey and MC with Epic Entertainment and Almost Famous Entertainment. Outside of his advisory role, he is active in event entertainment, providing DJ and MC services for weddings and events. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a broad network of independent advisors. The firm offers a range of portfolio management strategies and financial planning services using multiple program platforms and a variety of discretionary authorities.

Dwana Baumann is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. She has been with LPL Financial since 2007. 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 model portfolios and retirement plan consulting, utilizing both discretionary and non-discretionary management approaches.

Alexis Furr is a financial advisor at LPL Financial with 18 years of industry experience. She holds a Series 66 designation and has been associated with Linsco/Private Ledger since 2001. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by research and third-party subadvisors.

Annika Polanco is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. She has been with LPL Financial since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting through a national network of investment adviser representatives.

Annette Handevidt is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. She has been with LPL Financial since 2005. Outside of her advisory role, she works as an independent skin care consultant. 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 both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Nicholas Ng is a financial advisor at LPL Enterprise with a Series 66 credential and less than one year of industry experience. Prior to his current role, he worked in tax-related positions and owned a bakery. LPL Enterprise serves a broad mix of clients, including individuals, retirement plans, charitable organizations, corporations, and institutional clients, offering financial planning, advisory services, and access to various investment programs through its integrated platform.