Ryan Kelly is a financial advisor with Fidelity Investments in San Diego, CA, holding Series 63 and Series 66 licenses and having two years of industry experience. Prior to joining Fidelity, he worked in various roles including positions at Lululemon Athletica and several restaurant establishments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its involvement with registered investment companies, the use of systematic methodologies, and its role in constructing model portfolios for Fidelity Institutional Wealth Adviser.

Christian Torres is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on areas including corporate benefits, education planning, employee benefits planning, international wealth management, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and small business strategies. Born in Northern California and raised in San Diego from the age of six, Christian developed an appreciation for community relationships and opportunity. He pursued financial planning after college to educate people and make a meaningful difference in the lives of the people and families he serves. Christian holds a Bachelor's Degree from the California State University System and a Master's Degree from the College for Financial Planning. His professional designations include Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In his personal time, he enjoys boxing, fishing, football, hiking, music, reading, soccer, spending time with his family, traveling, and watching movies.

Brenda Contreras is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 15 years of industry experience. She has been with Wells Fargo firms since 2009, including Wells Fargo Advisors LLC prior to her current role. Outside of her advisory work, she teaches exercise classes at 24 Hour Fitness and produces weekly videos on healthy lifestyle topics such as nutrition, exercise, budgeting, and stress reduction. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is driven by investment policy statements and modern portfolio theory, serving as an ERISA fiduciary and incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Ivan Lopez is a Financial Advisor at Merrill Lynch Wealth Management, serving executives, small business owners, and families. Since joining Merrill in 2022, he has applied over 18 years of experience in investment, planning, banking, and client relations across various sectors including small start-ups and large businesses. Ivan's approach to financial planning focuses on aligning clients' investments with their life goals and utilizing risk management strategies to achieve their financial objectives. He holds FINRA Series 7, 63, and 65 registrations as well as the Chartered Retirement Planning Counselor (CRPC) designation. Ivan earned a High School Diploma under the California State University System and is fluent in English and Spanish. His professional experience includes individual planning, trust and estate planning strategies, wealth management, and client advisory. Ivan is actively involved in his community through organizations such as Brother Benno's, the Diocese of San Diego, and the San Diego Food Bank. He was born and raised in San Diego and values his faith and spending quality time with his family. Ivan enjoys baseball, biking, boxing, football, hiking, reading, soccer, traveling, and watching movies.

Roberto Vasquez is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2014, also working with JPMorgan Chase Bank since 2008. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis supported by a centralized due-diligence framework.

Phillip Wendt is a CFP®-certified financial advisor with Wells Fargo Clearing, based in San Diego, CA, and has six years of industry experience. He has worked at various Wells Fargo entities since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice with an IPS-driven approach grounded in modern portfolio theory. The firm includes a broader range of financial products than many peers, such as insurance-related vehicles and bank deposit sweep options.

Shelby Lewis is a financial advisor with Cetera, holding a Series 66 designation and 10 years of industry experience. Lewis has worked at multiple Cetera entities since 2020 and previously at First Allied Securities and Pacific Wealth Strategies Group. Outside of advisory work, Lewis holds a part-time real estate license. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, employer-sponsored retirement, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options, including model portfolios, third-party managers, and bespoke strategies.

Dorian Grady is a financial advisor at UBS Financial Services with 16 years of industry experience. He holds a Series 66 designation and has held positions at Diversify Advisory Services, DFPG Investments, Nationwide Investment Services, and TD AMERITRADE. He is based in San Diego, CA. UBS Financial Services serves individual, corporate, and institutional clients through both brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

James Shea is a financial advisor at UBS Financial Services with 41 years of industry experience. He has been with UBS since 2010 and holds a Series 63 designation. Based in San Diego, CA, Mr. Shea's career includes extensive work in financial advisory roles. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor solutions for its clients.

Angeli Forster is a financial advisor at Osaic with 42 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Osaic since 2023, previously serving at SagePoint Financial and National Planning Corporation. Forster manages rental properties as a business activity outside of her advisory work. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs tools such as asset-allocation models and automated rebalancing to construct diversified portfolios and provides access to third-party managers and managed-account solutions.

Diego Macedo is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment committee guidance in its financial planning process.

Carlos Vasquez is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, and previously at Wells Fargo Clearing and Wells Fargo Advisors, LLC from 2013 to 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including comprehensive financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Jorge Valenzuela is a financial advisor with Merrill in San Diego, CA, holding Series 66, Series 63, and Series 65 credentials and 14 years of industry experience. He has been with Merrill and Bank of America since 2005. 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 individuals, high-net-worth clients, and various institutional investors.

Enrique Valadez is a financial advisor with Merrill in Chula Vista, CA, holding a Series 66 designation and nine years of industry experience. He has worked at Bank of America, N.A. and Merrill since 2014. 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 various institutional investors.

Michael Alvarez is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Prior to joining LPL Financial in 2024, he worked at UnionBanc Investment Services and MUFG Union Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm supports its network of investment adviser representatives with diverse investment platforms, including model portfolios, third-party asset management, and institutional programs.

Brian Wisniewski is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-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.

Patricia Lockwood is a Series 66-licensed financial advisor with 18 years of industry experience. She has worked at Wells Fargo Clearing since 2024 and previously spent 11 years with Morgan Stanley. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering investment policy statement preparation, investment recommendations, performance reporting, participant education, and plan benchmarking. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a fiduciary role when providing investment advice and options for discretionary plan-level investment management.

Maria Aguilar Julian is a Senior Financial Advisor with Merrill Lynch Wealth Management. She joined Merrill in October 2009 after a career with Bank of America and Banc of America Investment Services. With over 20 years of experience in the financial services industry, she works with high net worth families and business owners to address complex financial needs. She employs wealth management planning tools and strategies including asset allocation, asset preservation, retirement and college planning, insurance analysis, and collaborates closely with clients' attorneys and Certified Public Accountants to provide comprehensive financial strategies and life planning. Maria holds a Bachelor's Degree in International Business with an emphasis in Spanish and Latin America from San Diego State University and holds the Personal Investment Advisor (PIA) designation. Fluent in Spanish and English, Maria is involved in professional and community organizations such as Business Network International: BNI Enlace Latino San Diego and The Rock San Diego. She lives in Chula Vista with her husband and son and enjoys hiking, photography, spending time with her family, traveling, and yoga.

Marq Corona is a Financial Advisor with Merrill Lynch Wealth Management based in San Diego. He specializes in helping clients organize their financial affairs by creating personalized investment strategies that align with their goals. Marq works extensively with tech professionals, executives, and attorneys to simplify complex financial decisions and provide guidance on equity compensation strategies, retirement planning, tax-efficient wealth management, and portfolio management. With over eight years of experience in the finance industry, Marq holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. He earned his bachelor's degree from San Diego State University. Marq’s client focus areas include employee benefits planning, executive compensation, family wealth management, legacy planning, tax minimization, and retirement income planning. In his personal time, Marq pursues interests such as chess, cooking, golfing, pickleball, and traveling. He strives to empower clients by helping them make informed financial decisions and develop roadmaps to preserve wealth and achieve confidence throughout their financial lives.

Ronald Appling is a financial advisor at Fidelity with 22 years of industry experience. He holds Series 63 and Series 66 designations and has worked with Fidelity Investments since 2008, including roles at Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its role as a commodity pool operator, formal advisory services to multiple registered investment companies, and use of AI and systematic methodologies in managing model portfolios.