Karen Merker is a financial advisor with Merrill, holding Series 63 and Series 65 designations and 34 years of industry experience. She has been with Merrill since 2001. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bo Zhang is a Series 66–licensed financial advisor at Merrill with eight years of industry experience, including prior roles at Bank of America and HRSD. He is based in San Diego, CA. Outside of his advisory duties, he co-owns family rental properties. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional investors, offering managed account programs, discretionary portfolio management, and brokerage services. The firm is noted for its integrated platform with Bank of America affiliates and its focus on tax-efficient investment strategies.

Delon Mansour is a financial advisor with Osaic Wealth, Inc. in San Diego, CA, holding the CFP® and ChFC® designations and possessing 16 years of industry experience. His work history includes roles at LPL Financial and Kestra Advisory prior to joining Osaic. Outside of advising, Mansour owns several businesses, including an Amazon FBA venture and a company involved in buying and selling auctioned ATVs and off-road vehicles. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers. The firm provides integrated brokerage and advisory services using firm-supported tools such as asset-allocation models and automated rebalancing, offering portfolios that include a range of securities managed on either a discretionary or non-discretionary basis.

Bruce Denker is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, employing structured discovery conversations and firm-approved planning tools to support client goals.

Ryan Green is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds a Series 66 designation and has been with UBS since 2013. Outside of his advisory role, he is also a commissioned Notary Public in San Diego, California. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Brian Young is a Series 66-credentialed financial advisor with 17 years of industry experience. He has been with UBS Financial Services Inc. in San Diego, CA, since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Kurt Spackman is a CFP® professional with 13 years of experience in the financial industry. He currently works with LPL Financial and has previously been associated with Securities America Advisors, Securities America, Capital Resource Management, and National Planning Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, utilizing various investment strategies and technology tools, and supports a large network of over 22,800 advisors.

Douglas Kincart is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 27 years of industry experience. He has worked at UBS since 2010. Outside of his advisory role, he serves as a trustee assisting with real estate decisions for a family trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Garrett Merrill is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has worked at multiple Cetera entities since 2020 and previously spent eight years with First Allied Advisory Services. Outside of his advisory role, Merrill serves as an elder at Christ Presbyterian Church and is the committee chair for Boy Scout Troop 709. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining affiliated and third-party managers to provide tailored investment solutions.

Heather Nicholas is a financial advisor with Raymond James Financial in San Diego, CA, holding Series 63 and Series 66 licenses and 25 years of industry experience. She has worked at firms including Manning Wealth Management, Commonwealth Financial Network, and OneAmerica Securities. Nicholas also engages in fixed insurance sales as part of her financial planning services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and corporations. The firm provides tailored, non-discretionary planning and consulting using analytical tools and supports advisory programs with a notable municipal advisor affiliation.

Kharli Brockmeier is a financial advisor at Fidelity with Series 63 and Series 65 credentials and four years of industry experience. Prior to joining Fidelity, Kharli worked at the University of New Mexico for seven years. Outside of advising, Kharli operates an Etsy shop selling jellyfish umbrellas and serves as communications lead for Collaborative Women in Investment Management, producing their weekly and monthly newsletters. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, using a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios composed of mutual funds, ETFs, and ETPs.

Michael Lawrence is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. He is based in San Diego, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools to support financial planning.

Lindsay Medland is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA. She holds Series 63 and Series 65 credentials and has one year of industry experience. Her prior work includes roles at State Farm VP Management Corp and Zach Bay Insurance Agency. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of investment solutions across multiple platforms and includes proprietary models as well as access to unaffiliated strategists.

Christopher Lambert is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 designations and 10 years of industry experience. His prior roles include positions at LPL Financial, AW Securities, and TD Ameritrade Institutional. Outside of finance, he serves on the board of the American Youth Soccer Organization Region 116, acting as the primary contact for Head Coaches in the Girls Under 7 Division. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers access to third-party asset managers along with financial planning and brokerage services.

Andres Marek is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and having 39 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and investment modeling in its financial planning process.

Juan Pablo Cabanas Ramirez is a Financial Advisor at Merrill Lynch Wealth Management and a member of the Cabanas-Malfavon team located in downtown San Diego. He began his career at Merrill Lynch Wealth Management in early 2023 and focuses on creating personalized financial plans for clients that encompass various facets of wealth management, including investing, retirement planning, and behavioral finance education. Juan specializes in family wealth management strategies, international wealth management, and portfolio management services. He takes a personal approach with his clients by understanding what is important to them and helping develop strategies to pursue their financial goals. Juan holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Loyola Marymount University. Juan is bilingual, fluent in English and Spanish. In his free time, he enjoys camping, music, skiing, soccer, spending time with family, surfing, tennis, traveling, and watching movies.

Yubel Rios Torres is a financial advisor with Fidelity, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Ameriprise, Edward Jones, and Wells Fargo. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm integrates proprietary research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary services across various investment vehicles.

Mario Quintero is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. since 2014 and at J.P. Morgan Securities since 2012. 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. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity-related registrations to deliver comprehensive advisory and brokerage services.

Leif Sanchez is a financial advisor at Morgan Stanley with 25 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. He holds the Series 66 designation and is based in San Diego, CA. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning processes and advanced modeling tools but generally acts in an advisory capacity without providing individual security recommendations as part of standalone plans.

David Schrager is a financial advisor with RBC Capital Markets based in San Diego, CA, holding a Series 66 designation and 24 years of industry experience. His career includes positions at City National Bank, Bank of America, and Merrill. Outside of advising, he is involved in managing several rental properties as a sole proprietor. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, utilizing a mix of in-house and third-party investment managers.