Yi Lu is a financial advisor at UBS Financial Services with a Series 66 designation and four years of industry experience. He has been with UBS since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to client goals.

Rodrigo Ramos is a financial advisor at UBS Financial Services with 23 years of industry experience. He has worked at UBS since 2010 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Richard Cerruti is a financial advisor with Fidelity in San Diego, CA, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. His prior roles include positions at TD Ameritrade, Citigroup, and BancWest Investment Services. Outside of his advisory work, he has served as a tennis coach at De La Salle High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across funds and managed accounts.

Damian Olivas is a financial advisor with Merrill based in San Diego, CA. He holds the Series 66 designation and has 23 years of industry experience. He has been with Merrill since 1994. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Faltico is a CFP® professional with 22 years of industry experience, currently serving at Cetera since 2021. His prior experience includes roles at Voya Financial Advisors and LifePro Financial Services. He is also treasurer of the Point Loma High School Boys Basketball Booster Board. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary options.

Kevin Christensen is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and over 15 years of industry experience. He previously worked at Overland & Shanahan from 2016 to 2020 and has been with LPL Financial since 2008. Outside of his advisory role, Christensen is involved with Align Planning LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools and a large network of investment adviser representatives.

Aaron Herrscher is a financial advisor at Fidelity with Series 63 and Series 65 credentials and six years of industry experience. Prior to joining Fidelity in 2025, he worked at Financial Sense Wealth Management for five years and held positions at Sage Stone Wealth Management and Salient Wealth Planning. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and IRS-qualified Charitable Gift Funds. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, and it serves a range of clients through discretionary and non-discretionary advisory services.

William Corder is a financial advisor at Raymond James Financial with 20 years of industry experience. He previously worked at Manning Wealth Management, Inc. for 12 years and Commonwealth Financial Network for 15 years. He is also the Chief Operating Officer of The Manning Companies, a support company based 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 clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports its clients through various advisory programs and institutional consulting.

Michael Donaldson is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Co., Inc. since 2022, following an eight-year tenure at TD Ameritrade Inc. 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 advisory relationships alongside discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Tyler Tong is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at LPL Financial since 2018 and previously held roles at James Haug, Nina Peles Inc, East Village Tax, various insurance carriers, and Waddell & Reed. Outside of advisory work, he is the owner of East Village Tax and serves as a quality review lead at Intuit in tax preparation and accounting. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, and institutions. The firm supports a wide range of investment approaches and integrates various operational and research tools while overseeing substantial discretionary assets and a large advisor network.

Jorge Guerra is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory work, he is an author of a children's book. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and advanced modeling tools, offering tailored solutions while generally acting in an advisory capacity.

Amber Reams is a financial advisor with Osaic Wealth and holds Series 66 and Series 63 licenses. She has 13 years of industry experience, including prior roles at Commonwealth Financial Network, LPL Financial, Cetera Advisor Networks, Girard Securities, and Financial Planning Department, Inc. Outside of advising, she is involved in accounting and tax preparation through Financial Planning Department, Inc. Osaic Wealth serves a diverse client base ranging from individual and high-net-worth investors to institutions, providing brokerage and investment advisory services, financial planning, retirement plan consulting, and access to managed accounts. The firm employs a variety of asset-allocation tools and integrates multiple advisory platforms, including third-party money managers and wrap programs.

Emily Shipcott is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and has a diverse work background including roles with the San Diego Padres, Seattle Mariners, and Amazon. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 advisors, offering a range of advisory programs and investment strategies under a fiduciary standard.

Gregory Roel is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1999 and brings over 20 years of experience in the financial services industry. Greg holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and a certificate in Personal Financial Planning from San Diego State University. Prior to his career in financial services, he worked as a national sales manager for a privately held textile chemical company. Greg is a native of San Diego and resides in La Mesa with his wife, Rebecca, and their daughter, Jessica. He holds a High School Diploma from Patrick Henry and maintains the Professional Investment Advisor (PIA) designation.

Ramona Delarosa is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. She has worked across several Cetera entities since 2018 and has prior experience in wellness and dental fields. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets with a network of more than 10,000 advisors.

Calen Ketcham is a financial advisor at Raymond James Financial with four years of industry experience. He holds Series 66 and Series 63 designations and previously worked at Commonwealth Financial Network and Everyday California. In addition to his advisory role, he serves as a Senior Client Service Representative at The Manning Companies. Raymond James Financial Services Advisors, Inc. provides tailored financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm uses analytical tools such as risk profiling and probability modeling to support non-discretionary planning and investment consulting.

Jose Aguilar is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and offers a structured planning process supported by firm-approved tools and modeling techniques.

Isabelle Stad is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and beginning her advisory career in 2024. Prior to joining Morgan Stanley, she held positions at Gravity Advisors and worked in various educational roles at UC San Diego and other institutions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by comprehensive planning tools and investment modeling.

Sergio Pedro Perez is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. 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, pension plans, corporations, and charitable organizations.

Amr Nada is a financial advisor at Merrill with 11 years of industry experience and a Series 66 designation. He has been affiliated with Merrill since 2011 and Bank of America, N.A. since 2014. 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.