Terry Mcnellis is a financial advisor with Morgan Stanley in San Diego, holding Series 65 and Series 63 credentials and possessing 43 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved in an estate-related business activity based in Encinitas, California. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and modeling techniques.

Jesus Reyes is a financial advisor at Merrill with seven years of industry experience. He previously worked at Bank of America for two years before joining Merrill in 2019. Outside of his advisory role, Reyes operates a YouTube channel and an associated children’s book project focused on educational content for young readers, and he also engages in online sales of Mexican goods through independent websites. 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 a variety of clients including individuals, high-net-worth clients, and institutions.

George Mullen is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. His previous roles include positions at Linsco Private Ledger Corp, Morgan Stanley DW Inc., and UBS Financial Services. Outside of advising, he is a painter who occasionally sells oil paintings and is the author of a published book titled "Peace in the Middle East." 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 variety of financial planning and investment services, including third-party asset management and institutional platforms, with a broad range of strategic and tactical investment options.

Mackenzie Gouge is a financial advisor at Fidelity with three years of industry experience. She previously worked at Edward Jones and has held various roles in hospitality and research sectors. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Kevin Hansen is a CFP® with 17 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has been with J.P. Morgan Securities since 2012 and has worked at Jpmorgan Chase Bank, N.A. since 2004. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

John Parmenter is a financial advisor at Fidelity with 12 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Fidelity Investments since 2012, including roles at Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, through discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines fundamental research with quantitative and algorithmic approaches and has a distinctive presence as a registered commodity pool operator and advisor to multiple registered investment companies.

Anthony Diblasi is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at Merrill since 1996 and has been with Bank of America, NA since 2009. 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, pension plans, corporations, and charitable organizations, supported by internal Chief Investment Office teams and third-party managers.

Aoife Ridge is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She previously worked at TD Ameritrade for nine years before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves a large client base of 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Karla Mesta is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she worked in speech therapy and related fields for several years. 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 nationwide network of more than 23,000 financial advisors.

Adeline Wong is a financial advisor at Cetera with 27 years of industry experience. She holds a Series 63 designation and has been with Cetera and its affiliated entities since 2017. Prior to that, she worked at Linsco/Private Ledger Corp. for 13 years. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, employer-sponsored retirement, corporate, charitable, and institutional clients through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services with a multi-manager platform enabling advisors to implement model portfolios, select third-party managers, or build customized strategies.

Valerie Stanek is a CFP® with 34 years of industry experience, currently serving as a financial advisor at OSAIC since 2025. She previously spent ten years with Lincoln Financial Advisors. Outside of her advisory role, she also practices as an attorney and acts as a notary, offering legal services and related investment activities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm provides integrated brokerage and advisory services with a focus on asset allocation, risk management, and utilizing multiple third-party platforms and investment strategies.

Christopher Kemp is a financial advisor with LPL Financial in San Diego, CA, holding the Series 66 designation and 14 years of industry experience. His prior roles include positions at OSAIC, FSC Securities Corporation, and Merrill. Outside of financial advising, he serves as CFO of a children's gymnastics center and is developing a budgeting education service. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services supported by extensive advisor tools and a diverse platform of investment strategies.

Robert Gloss is a financial advisor with LPL Enterprise holding a Series 66 designation and seven years of industry experience. His prior roles include positions at BMO Harris Financial Advisors and ARB Trading Group. He is based in San Diego, CA. LPL Enterprise provides investment advisory and brokerage services to individual and high-net-worth investors, retirement plans, banks, and corporate and charitable entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and participation in a wrap program.

David Elster is a CFP® professional with 15 years of experience in the financial services industry. He is currently with LPL Financial, where he has worked since 2022. His previous roles include positions at Wells Fargo Bank, Wells Fargo Clearing, CUSO Financial Services, Waddell & Reed, Merrill, and Morgan Stanley. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, retirement advice, and institutional platforms.

Gerardo Esparza Lopez serves as a Financial Solutions Advisor with Merrill Lynch Wealth Management. In this role, he works closely with clients to understand their financial priorities and develop strategies aimed at achieving short-, mid-, and long-term goals. He provides guidance on a range of financial topics, including investing, retirement planning, and emergency savings, while also facilitating access to Bank of America specialists for services such as banking, credit, home financing, and small business solutions. Gerardo holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). He completed a non-accredited certificate program at Universidad Autonoma de Baja California. His approach centers on helping clients identify what matters most to them and their families to create tailored strategies for pursuing financial objectives.

Grant Lewis is a Series 66 designated financial advisor with Morgan Stanley in San Diego, CA, with 20 years of industry experience. He has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank, N.A. apart from Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides investment and planning services through its Financial Advisors and Estate Planning Strategies Group.

Dustin Tracy is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2006. He has 18 years of industry experience. He served on the Board of Directors for the Autism Society of San Diego, supporting fundraising events for autism programs in the region. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor investment strategies to client goals and risk profiles.

William Allford is a financial advisor with RBC Capital Markets in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with RBC Capital Markets since 2016. Outside of his advisory role, he serves on the Board of Directors for the NSAC Alano Club, a nonprofit recovery organization. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management solutions, leveraging both in-house and third-party investment resources.

Melody Donnelly is a financial advisor at Charles Schwab with 14 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at TDAmeritrade, Word and Brown, and The Prudential Insurance Company of America. Outside of advising, she has a long-standing involvement with Laz Parking since 2016. 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, offering a combination of non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts.

Tiffany Cederlind is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Wells Fargo Advisors Financial Network since 2026 and has prior experience with Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients through a broad range of planning options tailored to clients meeting certain net-worth criteria. The firm’s services include specialized planning solutions and utilize Wells Fargo research and tools to develop tailored recommendations, with clients able to implement advice through various brokerage or advisory programs.