Lori Lenhof is a financial advisor with Stifel in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2015. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach incorporates proprietary analysis and probabilistic modeling developed by its Investment Strategy Group to support asset allocation and financial planning.

Jonathan Heitner is a financial advisor at Raymond James & Associates with 45 years of industry experience. He holds Series 63 and Series 65 credentials and has worked with Raymond James & Associates since 2018, following prior roles at Wells Fargo Advisors and Cottage & Castles. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Maria Gallardo Gower is a financial advisor with Charles Schwab, holding a Series 66 designation and 13 years of industry experience. She has worked at Charles Schwab and Co., Inc. since 2022 and previously spent 11 years at TDAmeritrade Inc. in advisory roles. Charles Schwab & Co., Inc. serves 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 management, using multi-asset model portfolios and a centralized operational structure.

Harryson Franz is a Financial Consultant at Fidelity Investments, a position he has held since 2023. In this role, he partners with clients to understand their unique financial situations, identify areas of strength and opportunity, and assist in implementing plans and strategies aimed at achieving their vision of success. Harryson has accumulated extensive experience in the financial services industry, with roles at Fidelity Investments since 2020, including Investment Consultant and Relationship Manager. Prior to this, he worked as a Private Client Banker at JPMorgan Chase from 2016 to 2020, and held positions at US Bank and Wells Fargo earlier in his career. He holds a California Insurance License.

Greg Royse is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 credentials and has 33 years of industry experience. He has worked within Morgan Stanley since 2011, including time at Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing proprietary tools and modeling techniques.

Vladimira Scott is a Series 66-licensed financial advisor with UBS Financial Services in San Marcos, CA, where she has worked since 2007, totaling 17 years of industry experience. Outside of her advisory role, she is a team manager for a girls’ competitive soccer team at Sporting California USA and serves as co-executor of an estate. UBS Financial Services Inc. serves individual, corporate, and institutional clients by combining brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and operates across multiple capital markets functions.

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.

Maxwell Parziale is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding a Series 66 designation and having eight years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2017 following his studies at the University of Colorado at Boulder. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning processes and uses firm-approved tools such as Global Investment Committee estimates and Monte Carlo simulations to model financial outcomes.

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.

Stacey Waite is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms, including Prudential Insurance Company of America and BrightHouse Securities. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling to support its financial planning process.

Nilly Alsaid is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing four years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2025, she worked at Bank of America, Merrill, MUFG Union Bank, and a law office. 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 an ESG eligibility framework.

Michael Andreotti is a CFP® professional with 32 years of experience in financial services. He is currently with Morgan Stanley in San Diego, where he has worked since 2021. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that incorporates firm-approved tools and scenario modeling.

David Galluccio is a financial advisor with Wells Fargo Clearing in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. He worked at Wells Fargo Advisors LLC from 2011 to 2016 before joining Wells Fargo Clearing, where he has been advising clients for 10 years. Galluccio also serves as a conservator for his mother. 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, utilizing research and analytics grounded in diversification principles and modern portfolio theory.

Brian Orrico is a financial advisor with Robert Baird & Co. in Rancho Santa Fe, CA, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with Robert Baird & Co. since 2014. Robert Baird & Co.’s DDK Group, where Orrico works, serves individuals including high net worth clients, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs.

Nicholas Mc Spadden is a CFP® certificant with 15 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities since 2012. He has also been affiliated with JPMorgan Chase Bank, NA since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a network of Wealth Advisors. The firm integrates large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Matthew Hansen is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Morgan Stanley. He previously spent ten years with UBS Financial Services before joining Morgan Stanley in 2025. Outside of his advisory role, Hansen is a partner in H Five Holdings LLC, a real estate investment and property management business based in Poway, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning tools and market models to support client strategies, managing approximately $2.74 trillion in client assets.

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 financial advisor with J.P. Morgan Securities in San Diego, CA. She holds the Series 66 designation and has six years of industry experience. Her prior work includes roles at JPMorgan Chase Bank, N.A. and Wells Fargo. 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 an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers non-discretionary services through a select group of Wealth Advisors.

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.