Raphael Aziz is Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 2022, initially serving as a Financial Consultant. Prior to that, he worked as an Associate Wealth Advisor at Mercer Advisors (formerly Epstein & White Financial) from 2020 to 2022. His earlier experience includes roles as a Financial Advisor at Merrill Lynch from 2019 to 2020 and as a Banker at JPMorgan Chase Bank, N.A. from 2012 to 2019. In his role, Raphael focuses on helping clients feel comfortable, educated, and empowered to make financial decisions aligned with their goals. He emphasizes understanding clients' ambitions and situations, conducting comprehensive portfolio analyses, and discussing opportunities that fit their strategies. Raphael holds a California Insurance License. Outside of work, Raphael enjoys baseball, spending time at the beach, cooking and baking, engaging in family activities, and parenthood.

Mayte Albert is a financial advisor at Merrill with Series 63 and Series 66 credentials and 32 years of industry experience. She has been with Merrill since 1989. Merrill, along 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 individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

David Lee is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Stifel since 2012. He holds Series 63 and Series 65 licenses. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Michael Andreotti is a CFP® professional with 32 years of experience in the financial industry. He has worked at Morgan Stanley and its Private Bank since 2021, following five years at Wells Fargo Clearing and two years with Prudential Equity Group, LLC. He holds Series 63 and Series 65 licenses and is based in San Diego, CA. He is affiliated with Morgan Stanley Wealth Management, an SEC-registered adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and analytical tools.

Matthew Hansen is a CFP®-certified financial advisor with 20 years of industry experience. He is currently with Morgan Stanley in Poway, CA, having previously worked at UBS Financial Services, Lucia Capital Group, and Raymond J. Lucia Companies. Outside of his advisory role, Hansen is a partner in H Five Holdings LLC, a real estate investment and property management business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and a wide range of advisory programs. The firm utilizes structured planning tools and investment research to support tailored financial strategies.

Samuel Altamirano Ramirez is a financial advisor at Merrill with Series 63 and Series 65 registrations. He has one year of industry experience, including current roles at Merrill and Bank of America. Prior to his career in finance, he held positions outside the industry, including work at Tino and Sons Drywall Finishers and Rudolph and Sletten, Inc. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional entities.

Tiffany Roussis is a Series 66 licensed advisor with six years of industry experience, currently with J.P. Morgan Securities in San Diego, CA. Her work history includes roles at JPMorgan Chase Bank, N.A. and Wells Fargo. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and manager research.

Ashley Hines is a Financial Consultant at Fidelity Investments, a role she has held since 2023. She has been with Fidelity Investments since 2019, previously serving as an Investment Consultant from 2021 to 2023 and as a Financial Representative from 2019 to 2021. Prior to joining Fidelity Investments, Ashley worked at OneMain Financial as a Branch Manager Trainee from 2016 to 2019, and at TMX Finance as a Store Manager from 2012 to 2016. Ashley holds a California Insurance License, which supports her professional work in financial consulting. Her approach involves understanding the priorities of her clients and their families to develop personalized financial strategies. Outside of her professional duties, Ashley's personal interests include spending time at the beach, cooking and baking, hiking, reading, traveling, and volunteering.

Christopher Pennington is a Series 66-registered financial advisor with UBS Financial Services in San Diego, CA, and has 26 years of industry experience. He previously worked at Morgan Stanley from 2001 to 2008 before joining UBS in 2013. Outside of his advisory work, Pennington is an officer of Pennington's Inc. Auto Sales and Leasing, a family-owned business, and is involved as a partner in PMR Holdings LLC, which invests in real estate, hotels, and rentals. 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 uses proprietary research and model-based asset allocations to tailor plans and delivers both fiduciary financial planning and capital markets services.

Kevin Bowcock is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Stifel since 2019. He previously worked at Wells Fargo Clearing from 2016 to 2019. Bowcock is a board member of the Escondido East Rotary. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing brokerage and advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Eben Kohn is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he worked at Guidepoint for four years and has experience in transportation studies and education. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs, managed solutions, and affiliated investment products through a nationwide network of financial advisors and branch offices.

Monique Herrera Chalker is a financial advisor at LPL Financial with a Series 66 designation and six years at LPL following eight years at Lucia Securities. She has a total of 14 years of industry experience. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning, portfolio management, and institutional platforms.

Kim Shoesmith is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 credentials and 23 years of industry experience. She has been with Edward Jones since 2002. Outside of her advisory role, she performs with the band One Day Closer. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including managed solutions and separately managed accounts, and maintains a broad advisor and branch network across the United States.

Thomas Stout is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 credentials and 19 years of industry experience. His prior experience includes roles at Navy Federal Brokerage Services, California Credit Union, and Comerica Securities. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides annual retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Alejandro Sardon is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has prior experience at First Citizens Bank and the Vienna University of Economics and Business. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Karim Gadalla is a financial advisor at Charles Schwab with six years of industry experience. He holds Series 66 and Series 63 licenses. His prior work experience includes roles at TD Ameritrade, Doordash, Caliclean, ESERP Business School, and Careem. Charles Schwab & Co., Inc. serves a large client base, 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 offers a combination of non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized operational infrastructure.

Douglas Peart is a financial advisor at Wells Fargo Clearing with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Wells Fargo Clearing since 2016. Prior to that, he was with Prudential Equity Group, LLC for six years. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting, managing approximately $671 billion in assets. The firm provides a range of brokerage and advisory solutions and employs research-driven investment evaluation methods.

Stephen Anderson is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior work includes positions at Fsc Securities Corp and OSAIC Services, Inc. Anderson is also the owner and president of Anderson Wealth Management Corp, a firm providing tax and legal liability services. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through various platforms and proprietary model strategies.

Ryan Locanto is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 26 years of industry experience. He previously worked at UBS Financial Services from 2000 to 2005 before joining Wells Fargo Clearing in 2016. 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.

Erin Johnson is a financial advisor with LPL Financial in San Diego, CA, holding the CFP® designation along with Series 63 and Series 65 licenses. She has 18 years of industry experience, including prior roles at Valic Financial Advisors and Nationwide Investment Advisors. Outside of her advisory work, Johnson is involved with GradePoint Insurance Group LLC, a non-variable insurance business. 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 broad range of financial planning and investment services through a large network of advisors, utilizing both proprietary and third-party strategies and incorporating technology-driven research tools.