Charity Schulz is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 21 years of industry experience. She has been with J.P. Morgan Securities since 2012 and concurrently with JPMorgan Chase Bank, N.A. since 2010. 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 select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Tito Gutierrez is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2012. Prior to that, he worked at JPMorgan Chase Bank, N.A. starting in 2010. 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 an ESG eligibility framework.

Sergio Bache is an International Wealth Advisor with Merrill Lynch Wealth Management. He has over 15 years of experience in the financial services industry and joined Merrill in 2015. Sergio works with both international and domestic clients, focusing on a broad range of wealth management strategies including family wealth management, retirement planning, portfolio management, small business strategies, and socially responsible investing. Sergio holds a Bachelor's Degree from San Diego State University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is bilingual in English and Spanish, enabling him to serve a diverse client base. He leverages the investment insights of Merrill and the banking services of Bank of America to provide comprehensive financial solutions. Beyond his professional role, Sergio engages in community activities such as coaching soccer and tutoring math to K-8 students. His personal interests include cooking, soccer, swimming, traveling, and spending time with his family.

S Belloso is an International Wealth Advisor with Merrill Lynch Wealth Management, specializing in family wealth management strategies, international wealth management, and managing new wealth. With 30 years of experience, Belloso has focused on working with wealth creators from abroad who have investable assets of at least $10 million, as well as their second and third generations. Belloso began their career in 1985 as Head of International Private Banking at Bank of America in San Diego. In 1990, they joined Citi Bank International Private Banking in San Diego. Over the past 25 years, Belloso has served as an International Wealth Advisor at firms including UBS International, Smith Barney, and Morgan Stanley, with professional experience spanning Tucson, Phoenix, and Houston. Belloso holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Escuela Nacional de Comercio. Outside of their professional work, Belloso enjoys chess, music, reading, and spending time with family.

Veronica Benitez is a financial advisor at Merrill with 27 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2016. Based in San Diego, CA, her career includes a decade at Merrill in her current role. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Sung Hoon Pyon is a financial advisor at Thrivent Investment Management with 14 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Morgan Stanley, E*Trade Securities, and TD Ameritrade. Outside of his financial advisory role, he maintains Grillsimply.com, a blog focused on grilling and smoking meats. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors, offering comprehensive, goal-based planning without discretionary trading authority.

Kellen Bonnafoux is a Financial Advisor at Merrill Lynch Wealth Management, serving clients in San Diego. He works with high-net-worth families to help preserve and manage significant wealth with clarity and purpose. Kellen focuses on helping clients maintain what they have built, bringing thoughtful structure to their financial lives and supporting long-term planning across generations. Drawing from his background in International Finance and Wealth Management, Kellen takes a measured and steady approach to advising clients through life's financial transitions. His expertise includes corporate executive services, international wealth management, liquidity management, philanthropic planning, small business strategies, and tax minimization. He collaborates closely with clients and their advisory teams to ensure cohesive strategies tailored to long-term priorities. Kellen holds a Personal Investment Advisor (PIA) designation and has earned an Accredited Certificate Program from Semmelweis University Medical School as well as a Master of Arts from the University of Canterbury. Outside of his professional role, his personal interests include camping, reading, swimming, and traveling.

Thomas Mang is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has been operating his own financial services firm, Thomas Mang Financial, since 2012. He has worked with Cetera and its related entities continuously since 2001. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a broad range of portfolio management and consulting services through a large network of independent advisors and utilizes a multi-manager platform with discretionary and non-discretionary program options.

Daniel Mayes is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has worked with various Cetera entities since 2015 and previously spent 15 years with First Allied Securities, INC. and First Allied Advisory Services, INC. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of program options and third-party managers.

Angelica De Leon is a financial advisor at Fidelity with 16 years of industry experience and a Series 66 designation. She has worked at Fidelity Investments since 2022, following six years at Wells Fargo Advisors and brief roles at Bank of America and another firm in 2016. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors, charitable funds, and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and systematic methodologies to construct model portfolios from mutual funds, ETFs, and ETPs, with oversight controls and use of algorithmic and AI-driven processes.

Brian Lopez is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and 66 licenses and three years of industry experience. He has previously worked at U.S. Bancorp Investments, Charles Schwab, and Northwestern Mutual. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor client plans. The firm integrates institutional trading capabilities with wealth management through a range of offerings, including financial planning, portfolio management, and capital markets services.

Juan Lujan Valladolid is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, he is a minority shareholder in a family advertising business and serves on several educational and community boards, including the University of California San Diego Rady School of Management Dean's Advisory Council and the UCSD Foundation Investment Committee. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individual and institutional clients. The firm emphasizes structured financial planning supported by proprietary tools and serves clients through both direct relationships and corporate agreements.

Meghann Connelly is a financial advisor at Merrill with 11 years of industry experience. She holds a Series 66 designation and has been with Merrill 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.

Andrew Bitterlin is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo since 2010, initially at Wells Fargo Advisors LLC and then at Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as a co-trustee managing investment-related responsibilities for family members and close associates. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Brian Elefante is a CFP® with 12 years of industry experience, currently serving as a financial advisor at LPL Financial since 2015. He operates through Elefante Financial Services, a business entity associated with his work at LPL. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions, with offerings that include financial planning, model portfolios, and institutional platforms.

Emily Ueno is a financial advisor at RBC Capital Markets in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to joining RBC Capital Markets, she worked in roles at Rivian and Agile Pursuits, among other organizations. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, complemented by RBC’s capital markets capabilities and affiliated asset management resources.

Ricardo Tiscareno is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies that align with their unique ambitions and family priorities. His approach focuses on providing clarity and simplicity in investment planning while addressing key goals such as education funding, retirement income, managing new wealth, and legacy planning. Ricardo also incorporates values-based areas of focus including socially responsible and ESG investing, as well as LGBT wealth planning and tax minimization. Ricardo holds the Personal Investment Advisor (PIA) designation and earned his high school diploma from Addison Trail High School. He is bilingual in English and Spanish, allowing him to serve a diverse client base. Outside of his professional work, Ricardo enjoys outdoor activities such as badminton, camping, hiking, rock climbing, running marathons, skiing, and spending time with his family. His client-centered philosophy emphasizes uncovering what matters most to each family to guide the creation of tailored financial strategies.

Jared Cummings is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is a sole proprietor involved in property management of a single-family rental home. 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 that utilizes structured discovery conversations and firm-approved tools.

Casey Clark is a Series 66-licensed financial advisor with Charles Schwab in San Diego, CA, and has nine years of industry experience. He has been with Charles Schwab since 2016. Charles Schwab & Co., Inc. serves a large client base, 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 both non-discretionary and discretionary investment options, combining strategic asset allocation with access to alternative investments and integrated custody and brokerage services.

Nicholas Westendorf is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and 12 years of industry experience. He has been with Morgan Stanley since 2014 and is currently associated with Morgan Stanley Private Bank, N.A. Outside of his advisory role, he is a partner in Saltvault West, a recreational business in San Diego. Morgan Stanley Wealth Management serves individual and institutional clients by offering a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory services.