Shannon Arballo is a Financial Advisor affiliated with Merrill Lynch Wealth Management, dedicated to serving clients with integrity and honesty. She focuses on helping clients pursue their personal financial goals through family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, and individual and corporate investment strategies. Shannon brings a personalized approach to financial advising, emphasizing transparency, open communication, and trust. She combines investment insights from Merrill Lynch Wealth Management with the banking services of Bank of America to offer a wide range of financial strategies tailored to client priorities and goals at every stage of life. She holds the Professional Investment Advisor (PIA) designation and has educational credentials from Poway High School and Ashford University. In addition to her professional work, Shannon is involved in community service through organizations such as the Jacobs & Cushman San Diego Food Bank, Operation Homefront Inc, Support the Enlisted Project Inc, and the Surfrider Foundation San Diego County Chapter. Her personal interests include camping, cooking, golfing, music, spending time with family, and watching movies.

Maxwell Razzore is a financial advisor at Cetera with 19 years of industry experience. He holds the Series 66 designation and has worked with several firms, including LPL Financial from 2008 to 2021 and First Allied Securities from 2021 to 2022. Since 2021, he has been associated with multiple Cetera entities. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Minjoo Jeong is a financial advisor at Merrill with eight years of industry experience. She holds the Series 63 and Series 66 designations. Her prior experience includes roles at JPMorgan Chase Bank, N.A., J.P. Morgan Securities, and First Command Financial Planning, Inc. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Antonio Rizzuto is a financial advisor at Edward Jones in Carlsbad, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he was a full-time student and involved with associated student activities. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory strategies and managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices.

William Allred III is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 24 years of industry experience. He previously worked at LPL Financial for 11 years before joining Wells Fargo in 2025. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory.

Dana Albert is a Senior Financial Advisor at Merrill Lynch Wealth Management. With a background rooted in the Coastal North County San Diego community, he focuses on delivering personalized wealth management strategies that align with clients' unique financial goals and market conditions. Dana draws upon his experience in the golf industry and hospitality sector to provide service centered on building meaningful client relationships. He offers expertise in areas including college education planning, family wealth management, legacy planning, personal retirement planning, socially responsible investing, tax minimization, and retirement income. Dana holds a Bachelor's Degree from the California State University system and a Master's Degree from National University. He carries the Personal Investment Advisor (PIA) designation. His prior career includes 20 years in various roles within private golf clubs, along with experience as a college instructor and service manager, which informs his approach to coaching and educating clients. He is involved with professional organizations such as the Leukemia and Lymphoma Society of San Diego and True Care. In his community, Dana participates with groups like First Step House of North County, Junior Achievement San Diego, Knights of Columbus Chapter 9022, Meals on Wheels San Marcos, North County Junior Golf Association, Pro Kids The First Tee Oceanside, San Marcos Boys and Girls Club, and the San Marcos Rotary Club. He resides in Oceanside with his wife, three daughters, a cat, and a guinea pig. Dana's personal interests include baseball, gardening, golfing, music, surfing, table tennis, watching movies, and spending time with his family.

Carolina Rida Jaafar is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities LLC and J.P. Morgan Chase Bank N.A. since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Colin Field is a financial advisor at Edward Jones in San Marcos, CA, holding a Series 66 designation with seven years of industry experience. Prior to joining Edward Jones in 2018, he worked in mortgage lending at Nations Direct Mortgage and JMAC Lending. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and offices.

Carla Campbell is a CFP® professional at Cetera with 27 years of industry experience. She has held various roles including at Avantax entities for over two decades and currently serves as Chief Operations Officer of Clarion Wealth Management and President of Clarion Tax & Wealth Strategies. Outside of advising, she acts as trustee for a family trust and co-executor of a relative’s estate. Cetera Investment Advisers LLC provides a multi-manager platform serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through an extensive nationwide network of independent advisors.

Gary Endres is a financial advisor at Stifel with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co. Inc. since 2009. Outside of his advisory role, he is a 20% owner of Montrose LLP, which owns real estate property in Costa Rica. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to support its investment analysis and allocation guidance.

John Taylor is a CFP® with 27 years of industry experience, currently serving at Merrill in Carlsbad, CA. He has been with Merrill and Bank of America, N.A. for the past 12 years. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth investors, and institutions, utilizing model-based and discretionary strategies developed by internal and third-party managers.

Sandra Cohn is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and six years of industry experience. She previously worked at Independent Financial Group and Intuit, and she operates Cohn Tax Company, Inc., a tax preparation and accounting business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations with a range of advisory programs, financial planning, and brokerage services. The firm offers both discretionary and non-discretionary management and utilizes model portfolios and research from multiple sources.

Anita Boghoussian is a financial advisor at Edward Jones with two years of industry experience. She holds the Series 66 designation and previously worked at GoSecure, EdgeWave, and Dassault Systemes. Outside of her advisory role, she is a co-owner of rental properties and raw land in the San Diego area. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of advisors and branch offices.

Kelly Morris is a financial advisor with LPL Financial, holding a Series 66 designation and 24 years of industry experience. Prior to joining LPL Financial in 2025, she worked for Independent Financial Group LLC for 11 years. She is involved with Family Legacy Group, a non-investment-related outside business activity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by both discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Stephen Whitman is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a range of services including estate planning and investment strategies.

Eduardo Villagrana is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He has worked at various J.P. Morgan entities since 2016 and was previously employed by Uber. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm combines institutional advisory operations with brokerage and investment management capabilities.

Irene Gomez Ramirez is a financial advisor at LPL Financial with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers various advisory programs, financial planning, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Robert Binkowski is a financial advisor with Ameriprise in Vista, CA, holding a Series 66 designation and 16 years of industry experience. Prior to joining Ameriprise in 2023, he worked at Arete Wealth Management LLC and Axxcess Wealth Management LLC from 2015 to 2023. He is also involved in independent insurance brokering, specializing in universal life insurance. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm provides written recommendation reports combining research, modeling, and tax-efficiency analysis, with a focus on assets managed within Ameriprise accounts.

Richard Nolan is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Sagepoint Financial, Inc. for 14 years. Nolan is involved in trust and estate planning through Citadel Law Office and provides tax preparation services through his ownership of SD Tax Associates, in addition to serving as HOA Board Treasurer. OSAIC serves a diverse client base including individual and institutional investors, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs various portfolio construction tools and platforms, supporting both discretionary and non-discretionary accounts.

Kent Borsch is a financial advisor with Edward Jones in Bonsall, CA, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He has been with Edward Jones since 1999 and has over four decades in the financial services sector, including a long tenure with Provident Mutual Life/Securities. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and supports its clients through a nationwide network of more than 23,000 financial advisors.