Kha Tran is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 65 designations and 23 years of industry experience. He has worked at Charles Schwab and its affiliates since 2022 and previously spent 15 years at TD AMERITRADE Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combines non-discretionary advisory models with access to discretionary separate managed accounts and maintains a centralized operational platform for custody, order routing, and alternative investment due diligence.

Jose Hernandez Jr. is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank since 2015. Outside of advising, he manages rental properties in the San Diego area. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and serves clients through a broad range of retail and institutional investment offerings.

Sharon Loero is a financial advisor with Charles Schwab, holding Series 66 and Series 63 designations and bringing 26 years of industry experience. She previously worked for TD Ameritrade from 2010 to 2022 before joining Charles Schwab in 2023. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management, along with custody and brokerage services. The firm is notable for its large client base and integrated operational structure that combines model portfolios, alternative investments, and centralized supervisory and order-routing arrangements.

David Smith is a financial advisor at Merrill with 18 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill Lynch for the past 15 years. 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 strategies developed by internal and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Tracie Dasilva is a Wealth Management Advisor associated with Merrill Lynch Wealth Management. She contributes to personal planning and wealth management with a focus on integrity, transparency, and client education to foster long-term multigenerational relationships. While specific details about her individual experience, education, or community involvement were not provided, Tracie's role situates her within a practice that emphasizes comprehensive, client-centric strategies tailored to personal goals and values.

Grant Kalmanovitz is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Cetera. His prior firms include Charles Schwab, LPL Financial, LendingClub, and EquityBee. In addition to his advisory role, he works as an assistant basketball coach for San Dieguito Union High School District and consults on sales strategy and market research for local businesses. Cetera Investment Advisers LLC is a nationwide registered adviser supporting individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform that offers model portfolios, third-party managers, and bespoke strategies. The firm manages over $256 billion in assets with more than 10,000 advisors and around 800,000 clients.

Shanel Dubique is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining LPL Financial in 2025, she worked at CUSO Financial Services, LP and First Command Financial Planning, Inc., among other related firms. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, including model portfolios, third-party asset management programs, and institutional platforms.

Devin Mcdonald is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines fundamental research with quantitative and algorithmic portfolio construction, offering discretionary and non-discretionary services as well as model portfolios built from mutual funds, ETFs, and ETPs.

Sandra Bazan is a financial advisor at Merrill with 22 years of industry experience, including 20 years at Merrill. She holds Series 63 and Series 66 licenses and is based in San Diego, CA. 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 supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bradford Best is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 26 years of industry experience. He has held roles with several firms including First Allied Securities, Inc. and Summit Brokerage Services, Inc. He serves on the advisory council for the University of California, Irvine, reviewing continuing education programs for professionals. Additionally, he hosts a pinball streaming channel focused on entertainment and education. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services across multiple program platforms, utilizing both affiliated and third-party managers.

Victoria Sazunic is a financial advisor at Morgan Stanley with seven years of industry experience and holds the Series 66 designation. She has been affiliated with Morgan Stanley since 2003 and has served on the board of San Diego Civic Theaters since 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide array of advisory programs to individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets.

Kristin Krueger is a financial advisor at Edward Jones with three years of industry experience. She holds the Series 66 designation and has a background that includes service in the United States Navy for 20 years, as well as roles at Booz Allen Hamilton and Big Block Realty. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets with a network of around 23,701 financial advisors and 15,121 branch offices nationwide.

Ian Currier is a financial advisor with Fidelity Investments based in San Diego, CA, holding Series 63 and Series 66 licenses and having eight years of industry experience. His previous roles include positions at Wells Fargo Bank, N.A., and Wells Fargo Clearing Services LLC. He works within Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and advise on diversified portfolios.

Michelle Colombo is a financial advisor at RBC Capital Markets with 26 years of industry experience. She holds the Series 63 and Series 65 designations and has been with RBC Capital Markets since 2016. Outside of her advisory role, she is involved with LiamFinn - Allford Wealth Strategies, a support company unrelated to investment activities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Karen Sennes is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 2009 and Bank of America since 2011. Outside of her advisory role, she serves as a consultant and independent contractor for FML Enterprises, LLC. 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 strategies for a range of individual and institutional investors.

Travis Harrington is a CFP® professional with 22 years of industry experience, currently serving at J.P. Morgan Securities. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Sean Badgett is a financial advisor with Raymond James & Associates in Chula Vista, CA. He holds the Series 66 designation and has 16 years of industry experience, including 10 years with Raymond James. Badgett serves as trustee of the Badgett Family Trust. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutional clients, and charitable and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Daniel Castro is a financial advisor with Merrill in Chula Vista, CA, holding Series 63 and Series 66 licenses and six years of industry experience. His work history includes positions at Bank of America, PNC, BBVA Securities, and Wells Fargo. 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 investors.

Gail Ropson Buechler is a financial advisor at UBS Financial Services with 18 years of industry experience. She has been with UBS since 2011 and holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a broad array of financial solutions.

Ashley Gonzalez is a financial advisor at Edward Jones with 10 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients and overseeing approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.