Shannon Arballo is a Financial Advisor with Merrill Lynch Wealth Management. She is a FINRA registered advisor who emphasizes integrity and honesty while serving the best interests of her clients. Her professional approach is built on transparency, open communication, and trust, aiming to develop personal relationships with clients and provide impeccable customer service. Her expertise includes family wealth management strategies, managing new wealth, personal retirement planning, investment strategies for individuals and corporations, and a focus on women and wealth. Shannon leverages the investment insights of Merrill Lynch Wealth Management and the banking services of Bank of America to help clients pursue goals such as funding education, planning for retirement and healthcare costs, and creating personalized financial plans. She holds the designation of Personal Investment Advisor (PIA) and has completed education at Poway High School and Ashford University. In addition to her professional work, Shannon is engaged in community involvement, volunteering with organizations such as the Jacobs & Cushman San Diego Food Bank, Operation Homefront Inc., Support The Enlisted Project Inc., and the Surfrider Foundation San Diego County Chapter. Her personal interests include camping, cooking, golfing, music, spending time with family, and watching movies.

Maxwell Razzore is a financial advisor at Cetera with 19 years of industry experience. He holds the Series 66 designation and has worked with several firms, including LPL Financial from 2008 to 2021 and First Allied Securities from 2021 to 2022. Since 2021, he has been associated with multiple Cetera entities. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Raymond Seifritz is a financial advisor at LPL Financial with 17 years of industry experience. He holds the ChFC® designation and Series 66 license. Prior to joining LPL Financial, he worked at Advisor Group for 10 years and Lucia Capital Group for four years. Outside of his advisory work, he serves as a FINRA arbitrator and owns a technology and software consulting business. 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 services including financial planning, model portfolios, third-party asset management access, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by research tools.

Nicole Choi is a financial advisor with Morgan Stanley Wealth Management, holding a Series 66 designation and 17 years of industry experience. Her career includes roles at UBS Financial Services, Cetera, and LPL Financial. Outside of her advisory work, she serves as the sole trustee of a family trust and is involved in pet care services as an independent contractor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutions, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through corporate financial planning agreements.

David Ross is a financial advisor at Morgan Stanley with 26 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Prior to that, he spent 10 years at Citigroup Global Markets. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through both direct client relationships and corporate financial planning agreements.

Robert Willgoss is a CFP® with 30 years of industry experience currently serving at Stifel Nicolaus & Co., Inc. since 2015. Based in San Diego, CA, he holds Series 63 and Series 65 licenses. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering brokerage and advisory services along with fee-based financial planning. The firm’s investment approach relies on proprietary methodologies developed by its Investment Strategy Group, using forward-looking capital market assumptions and probabilistic modeling to support client decision-making.

Bradford Willis is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is involved in product reviewing on Amazon. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Carolina Rida Jaafar is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds the Series 63 and Series 66 designations and has worked with J.P. Morgan Securities LLC and J.P. Morgan Chase Bank N.A. since 2016. 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 a combination of quantitative and qualitative research.

Colin Field is a financial advisor at Edward Jones in San Marcos, CA, holding a Series 66 designation with seven years of industry experience. Prior to joining Edward Jones in 2018, he worked in mortgage lending at Nations Direct Mortgage and JMAC Lending. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and offices.

Richard Chase is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Wells Fargo Bank NA for 14 years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Its advisory process combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations.

Joshua Thompson is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and three years of industry experience. He has been with Ameriprise and Wisdom Wealth Management since 2021. Joshua was previously a full-time student at Chapman University and worked at Santa Fe Christian School. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies through a centralized consulting team and offering a broad range of advisory, brokerage, and insurance solutions.

Brian Coffin is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions. The firm employs a structured financial planning process and manages approximately $2.74 trillion in client assets.

Joanne Wong is a financial advisor with Merrill based in San Diego, CA, holding a Series 66 designation and bringing 20 years of industry experience. She has worked at Merrill since 2003 and has been with Bank of America, N.A. since 2011. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ara Freedman is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Lucia Capital Group and Lucia Securities from 2011 to 2020. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Bradley Cooperman is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and 26 years of industry experience. His career includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, Chase Investment Services Corp., Wamu Investments, Inc., and Wells Fargo Investments, LLC. 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 a combination of quantitative and qualitative research.

Patrick Meskell is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with Edward Jones since 1999. Outside of his advisory role, he is an investor and shareholder in Bainbridge HNC, a health maintenance center. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional accounts. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and supported by a large network of financial advisors and branch offices nationwide.

Jonathan Savona is a Series 66-licensed financial advisor with 19 years of industry experience. He has been with LPL Financial since 2020 and previously worked at Lucia Securities, LLC, Lucia Capital Group, and Raymond J. Lucia Companies, Inc. In addition to his advisory work, he is involved as a non-variable insurance agent with Westland Financial. 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 advisory and brokerage services through a large network of representatives, offering a range of financial planning, portfolio management, and institutional platforms.

Sandra Cohn is a financial advisor at LPL Financial with six years of industry experience. She previously worked at Independent Financial Group and Intuit and has operated the Cohn Tax Company, specializing in tax preparation and accounting, for over ten years. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, combining extensive non-advisory activities with oversight of more than $819 billion in discretionary assets.

Anita Boghoussian is a financial advisor at Edward Jones in Carlsbad, CA, holding a Series 66 designation with three years of industry experience. Her prior roles include positions at GoSecure, EdgeWave, and Dassault Systemes. Outside of financial advising, she is a co-owner of rental property and raw land investments. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Irene Gomez Ramirez is a financial advisor with LPL Financial in Vista, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Her prior experience includes nine years at Wells Fargo Clearing before joining LPL Financial in 2025. 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 financial planning, model portfolio programs, and access to third-party asset managers, supporting advisors with a range of discretionary and non-discretionary strategies across various asset classes.