Eduardo Marek is a financial advisor at Morgan Stanley in San Diego, CA, with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and modeling techniques.

George Viray is a financial advisor at Equitable Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Mass Mutual Investors Services, MassMutual Pacific Coast, Ameriprise Financial Services, Inc., and LPL Financial. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and a variety of asset-management programs through a network of Investment Adviser Representatives. The firm offers access to multiple advisory models and third-party asset managers, delivering solutions that include mutual funds, ETFs, separately managed accounts, and select alternative investments.

Gail Phillips is a financial advisor with Morgan Stanley Smith Barney LLC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through a structured planning process and various investment strategies.

Linda Stirling is a financial advisor at Raymond James & Associates with 39 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at UBS Financial Services for 13 years. Outside of her advisory role, she serves as Chairman of the Board for Umbrella Ministries, a charity providing grief support for mothers who have lost a child, and is the author of a book titled *Hope for a Broken Heart*. Raymond James & Associates is a large dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and charitable organizations—and provides a range of financial planning, consulting, and advisory services supported by a nationwide network of advisors.

Arthur Peredo Muniz is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 23 years of industry experience. His prior work includes positions at Citigroup Global Markets, Citicorp Investment Services, and A. G. Edwards & Sons, Inc. Muniz is also involved with Muniz Consulting, Inc., a business related to non-variable insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with a broad range of financial activities.

Michael Curry is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services. Outside of his advisory role, he serves as an officer for the PIHRA West Los Angeles Chapter, a civic organization. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and analytical tools but does not offer individual security recommendations as part of standalone plans.

Joshua Perri is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan and its affiliated entities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to clients including corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, delivering these services through a team of Wealth Advisors.

Linda Hunt is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with nine years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Patricia Bribiesca is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and bringing 25 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and capital markets solutions.

Richard Whalen is a financial advisor at UBS Financial Services with 42 years of industry experience. He has been with UBS since 2008 and holds Series 63 and Series 65 licenses. Whalen has also served on a committee overseeing foundation assets for the Scottsdale Boys & Girls Clubs Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services and offers access to proprietary research and capital markets solutions.

Allyson Flournoy Wooten is a financial advisor at LPL Financial with four years of industry experience. She holds a Series 66 designation and previously worked at Chatmeter and The Active Network. Based in San Diego, CA, she operates under the business name Flournot Wealth Management. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a large network of over 22,800 advisors.

Morgan Ryan is a Wealth Management Planning Consultant at Fidelity Investments. In this role, Morgan partners with clients to develop and implement comprehensive wealth strategies focused on growth, preservation, and transfer of wealth, guided by clients' values and priorities. Morgan has been with Fidelity Investments since 2015, initially serving as a Relationship Manager before transitioning to the current consultant role in 2017. Morgan holds a California Insurance License, supporting the ability to provide informed financial planning and advice.

Martha Berumen is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63, 65, and 66 licenses and with 17 years of industry experience. She 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 and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers a wide range of retail and institutional investment products.

Jose Lopez is a financial advisor at Morgan Stanley with six years of industry experience. His career includes positions at Wells Fargo Bank NA and Wells Fargo Clearing Services LLC before joining Morgan Stanley Smith Barney LLC in 2022. Lopez holds Series 63 and Series 66 licenses and is based in San Diego, CA. 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, including tailored financial planning using firm-approved tools and models, and manages approximately $2.74 trillion in client assets.

Evan Thomas is a financial advisor with OSAIC in San Diego, CA. He holds the Series 66 designation and has been with OSAIC since 2025. His prior work experience includes roles at Klir, Netomi, SiteLock, Zingle, Speak Inc., and ADP. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, utilizing a variety of tools and platforms to offer customized portfolio management and third-party solutions.

Braden Botkin is a CFP® and CFA® with 18 years of industry experience. He has worked at LPL Financial since 2019 and previously spent 11 years with Madison Avenue Securities, Inc. He operates a business under the name Botkin Investment Services in San Diego, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving 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, and institutional platforms.

Usman Ahmed is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. Prior to that, he was employed by DoorDash from 2016 to 2018. J.P. Morgan Securities 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.

Scott Hollaender is a Series 66-registered financial advisor at UBS Financial Services with 22 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he serves on the Board of Directors for Junior Achievement of San Diego, participating in efforts to teach children financial literacy. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and delivers advisory work supported by proprietary research and model-based asset allocations.

Patrick Herrington is a CFP® with 17 years of industry experience. He is currently affiliated with Edward Jones, where he has worked since 2025. Prior to that, he spent 17 years at LPL Financial. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Luis Camou is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and previously worked at Actinver Securities, Inc., TRANS Network LLC, R.L. JONES, and Tecnologico de Monterrey. He has been with Morgan Stanley since 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets.