Nicholas Remer is a CFP® professional with 10 years of industry experience, currently serving at Cetera since 2019. He previously worked at Foresters Advisory Services LLC and Foresters Financial Services. Outside of his advisory role, he owns and operates Remer Filmmaking and serves as president of the Canyonview Homeowners Association board. Cetera Investment Advisers LLC is an SEC-registered firm offering a range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm supports a multi-manager platform with various program structures and serves over 800,000 clients through more than 10,000 advisors.

Asaf Savion is a Wealth Management Senior Relationship Manager at Fidelity Investments, serving self-directed ultra-high net worth clients in the San Diego area. He focuses on providing responsive and knowledgeable service, connecting clients with subject matter specialists within Fidelity to ensure comprehensive access to resources and information. Asaf has been with Fidelity Investments since 2012, advancing through roles including Financial Representative, Relationship Manager, Planning Consultant, and currently Senior Relationship Manager in Private Wealth Management. He holds a California Insurance License. Outside of his professional responsibilities, Asaf enjoys comedy, family activities, fitness, movies, and music.

Tais De Rada is a financial advisor at Charles Schwab with seven years of industry experience. They hold a Series 66 designation and have worked at several firms including TD Ameritrade, Morgan Stanley, and Taiyo Yuden. Their current tenure at Charles Schwab and Charles Schwab Bank spans six years. Charles Schwab 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. The firm offers a combination of non-discretionary and discretionary investment management, supported by centralized custody and operational infrastructure.

Michael Alvarez is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Prior to joining LPL Financial in 2024, he worked at UnionBanc Investment Services and MUFG Union Bank. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm supports its network of investment adviser representatives with diverse investment platforms, including model portfolios, third-party asset management, and institutional programs.

Robert Manness is the Vice President Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2025. In this position, he focuses on guiding affluent families through the complexities of multi-generational wealth, tailoring strategies to their unique circumstances. He is committed to building lasting partnerships that deliver enduring value for clients and their families. Mr. Manness has been with Fidelity Investments since 2015, progressing through several positions including Vice President Wealth Planner (2018-2025), Financial Consultant (2017-2018), and Investment Consultant (2015-2017). Prior to joining Fidelity, he worked as a Financial Advisor at Wells Fargo Advisors from 2013 to 2015. He holds a CA Insurance License. Outside of his professional work, Robert engages in activities such as baseball, sailing, tennis, and volunteering. He also enjoys family activities and exploring culinary interests.

Michael Muehl is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank, National Association. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Marty Presser is the Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2013. Over the years, he has progressed through various roles including Financial Representative, Investment Consultant, and Regional Relationship Manager, bringing a comprehensive perspective to his current position. Marty leverages Fidelity's tools and resources to deliver tailored financial planning experiences aimed at achieving clients' financial peace of mind. His professional background encompasses a range of financial advisory roles that provide him with expertise in investment consultation and client relationship management. Marty holds a California Insurance License, which supports his capability in offering insurance-related financial guidance. Outside of his professional pursuits, Marty enjoys engaging in activities such as exploring different cuisines, following football, socializing with friends, and traveling.

Brian Sherwood is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and over 20 years of industry experience. He has been with Primerica Advisors since 2006 and has additional work experience at Mercury Defense Systems. Outside of investment advising, he is involved in sales of home security and automation products as well as loan product referrals through affiliated companies. Primerica Advisors primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm offers a wrap-fee asset management program that uses model-delivery strategies and discretionary separately managed accounts supported by third-party managers and custodians.

Ryan Franco is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc., as well as brief positions outside finance at a restaurant and a health services agency. 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 and discretionary investment options with centralized custody and operational support.

Adam Vale Cruz is a Series 66 licensed financial advisor at Edward Jones in San Diego, CA, with 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering 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 with a nationwide network of more than 23,700 advisors and 15,000 branch offices.

Alin Frentzen is a financial advisor at Raymond James & Associates with 10 years of industry experience. He holds the Series 66 designation and previously worked at UBS Financial Services for five years before joining Raymond James in 2020. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Ann Barlow is a CFP® with 14 years of industry experience, currently affiliated with J.P. Morgan Securities in San Diego, CA. She has held roles at JPMorgan Chase Bank, N.A., Avantax Investment Services, Inc., HD Vest Investment Services, and other financial firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research methods.

Jennifer Nguyen is a financial advisor at Edward Jones with seven years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at firms including J.P. Morgan Securities, Transamerica Financial Advisors, and SagePoint Financial. Nguyen is also a board member and CEO of the San Diego Vietnamese Community, a nonprofit entity serving a local community of 25,000 members with occasional events. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds.

Coley Davis IV is a financial advisor at OSAIC with eight years of industry experience and holds a Series 66 designation. He has worked with Cooper Financial Group since 2018 and previously held roles at Securities America Advisors and C.B. Financial Insurance Services. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Natalie Chappius is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in advising high-net-worth individuals and business owners. She focuses on financial and tax minimization strategies, retirement income planning, estate planning services, and portfolio management. With over 20 years of experience in the financial services industry, Natalie also collaborates with a Wealth Management Lending Officer from Bank of America, N.A. to incorporate home financing solutions into clients’ overall financial strategies. In her role as a Senior Portfolio Advisor, she manages custom investment strategies on a discretionary basis, selecting from Merrill Lynch model portfolios and third-party investment options. Natalie attended California State University, Long Beach, where she was a recipient of the Presidents Academic Scholarship. She holds FINRA registrations including the Series 7 (General Securities Representative) and Series 66 (Uniform Combined State Law Examination), as well as licenses with the California Department of Insurance to offer Life Insurance, Annuities, and Long Term Care products. Additionally, she has earned the Certified Plan Fiduciary Advisor® (CPFA®) designation. Natalie is also recognized as a Personal Investment Advisor (PIA) and Retirement Accredited Financial Advisor (RAFA). Residing in 4S Ranch with her husband Michael and their two children, Natalie is actively involved in community service, including volunteering and fundraising with the National Charity League. Her client-centered approach emphasizes creating personalized financial strategies to help clients pursue their goals.

Diwani Biglang Awa is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where she has worked since 2007, accumulating 19 years of industry experience. Outside of her advisory role, she owns and operates Brixton Interiors LLC, a residential interior design and home décor business, and Tiny Baubles LLC, a handmade jewelry retail venture. She also serves on the executive board of Alamosa Park Elementary PTA as an auditor and communications coordinator. UBS Financial Services serves individual, corporate, and institutional clients through a wide range of brokerage and investment advisory services, combining institutional trading capabilities with wealth management solutions tailored to clients’ goals and risk tolerances.

Jerry Dressel is a financial advisor at LPL Financial with Series 63 registration and two years of industry experience. He has also been involved with F & B Associates Inc since 2020 and has operated Dressel Advisory Group since 1999. 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 and access to various portfolio management options, supported by technology and a large network of advisors.

Jayne Byrne is a CFP® and Series 66-registered financial advisor with LPL Financial, based in San Diego, CA, and has 41 years of industry experience. She has worked at LPL Financial in various capacities since 1985 and was also affiliated with Cetera Advisor Networks and CWM, LLC. Outside of her advisory work, she is involved with a non-variable insurance business and operates Nautica Wealth Advisors, LLC, a DBA for her LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, 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, supported by a large network of advisors and advanced operational tools.

Huy La is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and nine years of industry experience. He has been with Merrill and Bank of America since 2017. Outside of advising, he is the sole owner of a rental property business. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Barbara Klein is a financial advisor with Cetera who holds Series 63 and Series 65 credentials and has 28 years of industry experience. Her prior roles include positions at Broker Dealer Financial Services Corp., Summit Financial Group Inc., and Cetera Wealth Services, LLC. Outside of her advisory work, she serves as vice president and secretary of a property owners association and is involved in selling fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party managers, supporting both discretionary and non-discretionary account structures.