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 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Fidelity Investments and its affiliate firms since 2008. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm employs a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction, with distinctive involvement in commodity pool operations and formal advisory roles to multiple funds.

Andrea Wright is a financial advisor at Morgan Stanley with 20 years of industry experience. She has worked with Morgan Stanley Smith Barney LLC since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients. The firm’s financial planning process uses structured discovery conversations and firm-approved planning tools, serving clients with tailored financial planning and various investment services.

Jeffrey Won is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Morgan Stanley entities since 2009, including the Private Bank since 2015. Outside of his advisory work, he owns rental properties. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both retail and institutional investment services.

Veronica Borders is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2004, following a brief tenure at Bank of America N.A. She is based in San Diego, CA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies constructed by internal and third-party managers.

David Tam is a financial advisor at Raymond James Financial with 23 years of industry experience. He previously worked for Edward Jones for 22 years before joining Raymond James in 2025. Tam serves as president of TWMSD LLC, a support company for Tam Wealth Management in San Diego. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers non-discretionary, tailored planning and consulting using risk profiling and analytical tools, supporting clients through various advisory programs.

Adam Sinkoff is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management (MSWM) is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Isaac Hansen is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. His prior roles include positions at LPL Financial, Trilogy Capital, Trilogy Financial Services, and National Planning Corporation. Hansen serves as a board member of the Western Pension & Benefits Council, focusing on pension education. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, employing both proprietary and third-party model-based strategies across multiple custody platforms.