Catherine Edwards is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 63 designation and bringing 38 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning using firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct client relationships and Corporate Financial Planning agreements.

Hana Jo is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. She has worked at Bank of America, N.A. since 2023 and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2016. Outside of her advisory role, she serves as a co-trustee of The J-A Family Trust in San Diego. 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 a range of model-based and discretionary investment strategies for individual, high-net-worth, corporate, and charitable clients, supported by internal and third-party investment management teams.

Morgan Elliott is a financial advisor at Morgan Stanley with 20 years of industry experience. He has worked at Morgan Stanley since 2009, including a current role with Morgan Stanley Private Bank, N.A., and previously spent three years at Citigroup Global Markets. He holds the Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services supported by structured processes and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Jennifer Werve is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 designation and has worked at various Morgan Stanley affiliates since 2009. Outside of her advisory role, she is involved in an investment-related bookkeeping business based in San Diego. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Victoria Horowitz is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in personalized financial planning, tax-efficient wealth strategies, and smart portfolio management tailored to clients' long-term goals and evolving financial landscapes. Her approach is relationship-driven, focusing on understanding each client's individual goals, values, and concerns to build effective financial plans. Victoria holds a Bachelor's Degree from the University of Texas at Dallas and has earned professional designations including Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). She is actively involved in professional and community organizations such as Better Money Habits, the Junior League of San Diego, and has served as President of the Women Exchange San Diego Chapter. Her community involvement extends to organizations like Doors of Change San Diego, Food Bank San Diego, as well as participation in events including the Genesis Invitation Golf Tournament and the Hoag Classic Golf Tournament. Outside of her professional commitments, Victoria enjoys activities such as cooking, hiking, reading, running, spending time with family, swimming, tennis, traveling, writing, and yoga.

Michael Zepeda Jr. is a financial advisor with Mass Mutual Investors Services in La Jolla, CA, holding Series 63 and Series 65 licenses and having 31 years of industry experience. He has worked with Mass Mutual since 1995 and MML Investors Services since 1997. He serves as a member of the Carlsbad Community-Police Engagement Commission, promoting communication between the police department and the community. MML Investors Services operates as a subsidiary of MassMutual, providing financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers through collaborative, annual financial planning engagements.

Michael Capeder is a financial advisor at LPL Financial in San Diego, CA, holding a Series 66 designation with six years of industry experience. His prior roles include positions at RBC Capital Markets and UBS Financial Services. Outside of his advisory work, he is associated with Forseti Enterprises LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a variety of financial planning and investment management services through a network of advisors using model portfolios, third-party subadvisors, and customized strategies.

John Fieberg Jr. is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Edward Jones since 1998. Outside of his advisory role, he is involved with WaveMaker 360 Health III, an early-stage private health care company. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Gerad Mowrey is a Certified Financial Planner® with 27 years of experience, currently associated with LPL Financial and Summit Financial Group in La Mesa, CA. He has worked with LPL Financial since 2000 and with Summit Financial Group since 2016. Outside of his advisory work, he is involved in tax preparation and accounting through Summit Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Ramiro Gomez Rincon is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Ramiro earned his High School Diploma/GED from Universidad La Salle.

Mateo Zoroza Larcade is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals to develop personalized financial strategies that align with their goals, values, and stages of life. His services encompass areas such as investment management, retirement planning, and guiding clients through financial decisions related to life's unexpected events. Mateo holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a Bachelor of Science in Engineering from Arizona State University. He communicates with clients in both English and Spanish.

Christopher Barstow is a Series 66 licensed financial advisor with LPL Financial in San Diego, CA, where he has worked since 2015. He has 10 years of industry experience. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides financial planning, asset management programs, and institutional platforms, supporting advisors with a range of customizable investment strategies and technology tools.

Matthew Mcclure is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and bringing 10 years of industry experience. Prior to his current role, he worked at Axa Advisors and was involved with La Jolla Beach & Tennis Club. Equitable Advisors serves a diverse client base, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and various asset-management programs through a network of Investment Adviser Representatives and third-party asset managers. The firm emphasizes personalized risk assessment and employs a range of investment vehicles, including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Nadeene Itani is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. She has worked at both Merrill and Bank of America since 2012. Outside of her advisory role, she is a co-owner of a family rental property business. 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 for a range of clients including individuals, high-net-worth clients, and institutions.

Austin Gilbertson is a financial advisor at UBS Financial Services with four years of industry experience. He holds a Series 66 designation and has held various roles, including positions at Pace University and involvement with GMC Basketball Academy, LLC. Gilbertson’s background includes both financial services and educational environments. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, leveraging proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, providing a broad range of offerings including fee-based financial planning and portfolio management.

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 at LPL Enterprise with two years of industry experience. She holds a Series 66 designation and has prior work history with Prudential Insurance Company of America, Pruco Securities LLC, and Rocket Mortgage. Outside of her advisory role, she maintains a broker office at Avenue3 Realty, focusing on mortgage and real estate services for family and friends. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and a wrap program.

Iliana Kline is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and 28 years of industry experience. Her career includes two separate tenures at LPL Financial, totaling 14 years, and eight years at Commonwealth Financial Network. Outside of her advisory work, she is employed part-time at Pottery Barn. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services, utilizing both proprietary and third-party strategies, supported by technology tools for research and operations.

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.