Victor Galvez is an International Wealth Advisor and Portfolio Manager at Merrill Lynch Wealth Management. He holds professional designations including Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Victor is fluent in Spanish and English and holds a Bachelor's Degree from the University of San Diego. With extensive experience working with ultra high net worth clients, Victor focuses on areas such as college education planning, family wealth management strategies, international wealth management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and values-based investing including socially responsible and ESG investing. He emphasizes building strong relationships with clients through trust, transparency, and open communication to support their unique financial goals. Victor is involved in several advisory councils and business councils, including serving as 2022 Chair of the International Wealth Advisor (IWA) Advisory Council To Management (ACTM), participation in the Hispanic Latino Advisory Council (HLAC) at Merrill Lynch, and involvement with the Hispanic Latino Business Council (HLBC) in San Diego (BAC). His personal interests include antiquing, biking, boating, golfing, hiking, running, scuba diving, skiing, spending time with his family, and yoga.

Gregg Patenaude is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 designations and has 25 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved with Patenaude Wealth Management, a non-variable insurance business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, supported by model portfolios, third-party research, and technology-driven investment strategies.

Madeleine Ennis is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, she held various roles including positions at Villanova University and Roland Park Country School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Dustin Grimm is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity for over a decade, working in various capacities including Financial Consultant, Investments Representative, and Financial Representative. Prior to joining Fidelity, he worked as a Personal Banker at Bank of America from 2006 to 2008. Dustin's experience spans wealth planning and working with clients and families in diverse financial situations. He holds a California Insurance License, supporting his work in financial consulting and planning. He is committed to helping clients pursue their financial goals through comprehensive wealth planning services.

Joseph Morse II is a CFP® professional with 33 years of industry experience, currently affiliated with LPL Financial since 2019. He previously spent a decade at Wells Fargo Advisors Financial Network LLC. Morse operates Morse Wealth Management, LLC, an investment-related business based in La Mesa, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting through a national network of investment adviser representatives.

Eric Hutz is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management, bringing over 25 years of experience in the financial services industry. He began his career in 1999 in retail banking, progressing through various frontline and leadership roles including Teller and Branch Manager. His extensive background encompasses loan origination, small business banking, and private client advisory, which provides him with a comprehensive perspective on both personal and business finances. Since becoming a Financial Advisor in 2014, Eric has served clients primarily in the South San Diego market before expanding his practice to support clients across California and nationally. He focuses on detailed financial planning and communication, taking time to understand each client's goals and building personalized financial strategies. His approach emphasizes collaboration and long-term planning. Eric holds a Bachelor's Degree in Economics from the University of California, San Diego, and has earned several professional credentials including Certified Plan Fiduciary Advisor® (CPFA®), Retirement Accredited Financial Advisor (RAFA), Certified Exit Planning Advisor (CEPA®), and Senior Portfolio Advisor in Merrill Lynch's Investment Advisory Program. He is involved with Make-A-Wish San Diego and resides in Chula Vista with his wife and two children. Outside of his professional responsibilities, Eric enjoys practicing yoga, exploring new dining options, traveling internationally, and spending time with his family.

James Nuzzi is a ChFC®-designated financial advisor with 42 years of industry experience, currently affiliated with Osaic Wealth, Inc. He previously worked at Lincoln Financial Advisors Corporation for 11 years. In addition to his advisory role, he operates Nuzzi Financial Network, offering insurance products including accident, health, disability, fixed annuities, and traditional life insurance. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through an extensive network of financial advisers. The firm provides integrated brokerage and advisory services with a variety of investment solutions and utilizes asset-allocation tools and automated rebalancing in portfolio construction.

Natalia Ledesma Hodoyan is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 credential. She joined Morgan Stanley in 2026 and has a diverse background including roles in higher education and brand-related positions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning emphasizes structured discovery and firm-approved tools without specific security recommendations in standalone plans.

Laura Khorshid is a Private Wealth Manager with Merrill Private Wealth Management. She works with individuals, families, businesses, and philanthropies to provide tailored financial planning and advisory services. Laura collaborates closely with clients and their other advisors to develop customized plans and leverages a team of specialists to enhance the guidance she delivers. Her areas of focus include college education planning, family wealth management strategies, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, and tax minimization. Laura is committed to ongoing learning and regularly seeks client feedback to improve her practice, aiming to clarify investment opportunities and navigate changing market conditions while providing solutions aligned with clients' goals. Laura holds a Bachelor's Degree from the University of Southern California and has earned professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). She is fluent in English, Chinese, and Arabic. Outside of her professional work, Laura enjoys antiquing, boxing, football, horseback riding, reading, running, spending time with family, swimming, traveling, and yoga. She is also involved with the Alternative Spring Break (ASB) Death Valley organization.

Jorge Llamas is an International Wealth Advisor with Merrill Lynch Wealth Management, bringing 35 years of experience in helping clients preserve wealth through various market cycles. He specializes in family wealth management strategies, international wealth management, managing new wealth, philanthropic planning, and portfolio management services. Jorge leverages his extensive knowledge in domestic and international fixed income and equity markets to diversify and allocate assets with the goal of maximizing returns while reducing risk. He holds a Bachelor's Degree from Universidad del Valle de Mexico and the Professional Investment Advisor (PIA) designation. Jorge is committed to building strong relationships with his clients, emphasizing a personalized approach to wealth management that adapts to changing market conditions. Fluent in both English and Spanish, he also engages with his community through volunteering, embodying the Merrill tradition of service. Outside of his professional pursuits, Jorge enjoys adventure sports, biking, boxing, camping, fishing, football, hiking, music, reading, and soccer. His approach combines accessibility, knowledge, and experience to assist clients in making important financial decisions.

Christopher Rhanor is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. His career includes roles at multiple Cetera entities and First Allied, spanning over a decade. 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 range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Michele Colon is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and having one year of industry experience. She has been with UBS Financial Services since 2014. 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 leverages proprietary research and model-based asset allocations to tailor advice to clients' goals and risk tolerances.

Lance Pelky is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior experience includes roles at VOYA Financial Advisors and America’s Tax Solutions. Outside of his advisory work, he is involved with Fine Wine Purveyors, a business he owns that is unrelated to investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a broad range of advisory programs, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party providers.

Gabriel Ruz is a financial advisor at Edward Jones with a Series 66 designation and six years of industry experience. Prior to joining Edward Jones in 2019, he worked at Tesla Inc and Solar City. Outside of his advisory role, he is involved in managing a rental property in Chula Vista, California. 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 strategies, supported by a large network of financial advisors and branch offices nationwide.

Christopher Ouimet is a financial advisor with Cetera, holding Series 63 and Series 66 designations and 12 years of industry experience. He has worked with various Cetera entities since 2019 and was previously associated with Foresters Financial Services. Cetera Investment Advisers LLC serves a broad client base that includes individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with diverse investment program options.

Alejandro Valle is a financial advisor at Morgan Stanley with 33 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. He holds the Series 63 designation. 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, managing approximately $2.74 trillion in client assets.

Faustina Kerr is a financial advisor with Cetera, holding Series 63 and Series 66 credentials and 15 years of industry experience. Her background includes roles at First Allied Advisory Services and multiple Cetera entities. Beyond her advisory work, she serves on the board of directors for North Park Little League and is an inspirational author and coach through her business, Guided Connections. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Jennifer Appel is a financial advisor with LPL Financial, holding a Series 66 designation and eight years of industry experience. She has been with LPL Financial since 2016. Outside of her advisory role, she operates McKenna Financial, an entity affiliated with her LPL business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations. The firm offers a range of financial planning and advisory services, including discretionary and non-discretionary management, model portfolios, and various investment programs supported by LPL Research and third-party subadvisors.

Tom Gengler is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2016, progressing through roles including Financial Consultant, Investment Consultant, and Customer Relationship Advocate. Prior to joining Fidelity, he worked as an Internal Wholesaler at American Funds Distributors and held positions at Janus Capital and Oppenheimer Funds. Tom holds a California Insurance License. His approach centers on gaining a thorough understanding of clients' personal and financial priorities, assessing their risk tolerance, and creating customized plans to help achieve their goals. Outside of his professional work, Tom enjoys activities such as golf, traveling, outdoor adventures, spending time at the beach, exploring culinary experiences, and cars.

Jason Lavely is a CFP® and holds a Series 66 license, with 11 years of experience in the financial industry. He has been with Edward Jones since 2015, working out of San Diego, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including both non-high-net-worth and high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.