Marianna Torreblanca is a financial advisor with J.P. Morgan Securities in La Mesa, CA, holding a Series 66 designation and five years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2020, she worked in the luxury retail sector with Breitling, CJ Charles Jewelers, and Tourneau. 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 network of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Matthew Lord is a Certified Financial Planner (CFP®) with 33 years of experience in the financial industry. He has been with Morgan Stanley since 2009, currently serving at Morgan Stanley Private Bank, N.A. in San Diego, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services both directly and through Corporate Financial Planning agreements.

Nathaniel Ihm is a financial advisor with LPL Financial in Coronado, CA, holding a Series 66 designation and 12 years of industry experience. He has been with LPL Financial since 2014. In addition to his advisory role, Ihm is involved in tax preparation and accounting services through Crown City Financial Services, LLC DBA Westax. LPL Financial is an SEC‑registered investment adviser and broker‑dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management along with model portfolios and research support.

Daniel Rosen is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds a Series 63 designation and has worked at Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, he serves as an executor and co-executor for a trust in Massachusetts. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning services, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers diverse investment and financial product services through its extensive network.

Michael Dose is a financial advisor at Cambridge Investment Research Advisors with 38 years of industry experience. He holds the ChFC® and Series 63 designations and has been affiliated with multiple firms including Dempsey Lord Smith, LLC and Center Street Securities. Dose is also involved as an agent in insurance and benefits-related activities and operates under the DBA The Retirement Strategy Connection. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, retirement plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement plan advisory services through independent financial professionals using a range of portfolio management and model-based strategies.

Luis Franco Jr. is a financial advisor with J.P. Morgan Securities who holds Series 63 and Series 66 designations and has eight years of industry experience. He has worked at JPMorgan Chase Bank, N.A. and MUFG Union Bank, and serves in the United States Navy. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Keith Dilloway is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 licenses and 23 years of industry experience. His prior roles include positions at Morgan Stanley and Commonwealth Financial Network. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with over 10,000 advisors and more than $256 billion in assets under management.

Tian Lin is a financial advisor with Charles Schwab & Co., Inc. in San Diego, CA, holding Series 66 and Series 63 licenses and having two years of industry experience. Prior to joining Charles Schwab, Tian was involved in homemaking and early childhood education, including work at Frisco Community Bible Church Christian Preschool. 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. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Steven Lahre is a financial advisor with RBC Capital Markets in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 46 years of industry experience. He has worked at RBC Capital Markets since 2012 and at City National Bank since 2016. Lahre serves on the board of the San Diego High School Academy of Finance, where he mentors students and provides guidance. RBC Wealth Management, a division of RBC Capital Markets, LLC, offers a range of advisory programs and financial services to individuals, institutions, pension plans, corporations, and charitable organizations. The firm customizes investment strategies based on clients’ risk profiles and utilizes both in-house and third-party managers, with options for tax management and responsible-investing screens.

Luke Ervin is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he serves as a board member and Treasurer for the La Jolla Golden Triangle Rotary Club Foundation. 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 combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client strategies.

Emilia Rivera is a financial advisor at Morgan Stanley with seven years of industry experience. She previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA, and earlier in her career at Skechers U.S.A. She holds the Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, using firm-approved tools and methodologies to support its advisory services.

Ryan Rose is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. In addition to his advisory work, he is involved in group insurance through Chubb. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Nathan Medina is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. He has been with LPL Financial since 2003. In addition to advisory work, he operates a tax preparation and planning service under Nathan Medina Tax Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting with discretionary and non-discretionary management supported by proprietary and third-party research.

Jeffrey Hoehner is a financial advisor with Cetera, holding the Series 66 designation and bringing 20 years of industry experience. He has worked at Cetera and its related entities since 2020 and previously spent seven years at WBB Securities. Outside of advising, he is also involved in the sale of fixed insurance products, including life and annuities. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporations, and institutional accounts. The firm offers multi-manager investment platforms with discretionary and non-discretionary portfolio management, financial planning, and access to affiliated and third-party money managers across various program structures.

Lawrence Potomac is a financial advisor with LPL Financial in San Diego, holding Series 63 and Series 65 credentials and 46 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved in life and disability insurance as well as fixed annuities. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management and incorporates research from various sources to support diversified investment strategies.

Danielle Stanton is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 65 licenses and over 32 years of industry experience. She has been with LPL Financial and its predecessor firms since 1999. Outside of her advisory role, she is involved in direct sales through Plunder Designs Jewelry and participates in a residential care business. 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 investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Philip Bresnick is a financial advisor at Morgan Stanley with 42 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 1983, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a financial planning process that uses structured discovery conversations and firm-approved tools.

Amanda Haack is a financial advisor at Merrill with 17 years of industry experience. She holds the Series 66 designation and has worked with Bank of America, N.A. and Merrill since 2016 in San Diego, CA. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm is integrated within Bank of America’s broader platform, providing access to a wide set of products and services.

Eric Volinsky is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 28 years of industry experience. Prior to joining Charles Schwab in 2022, he worked at TD Ameritrade from 2010 to 2022. Outside of his advisory role, he owns a rental property in San Diego. 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. The firm offers both non-discretionary investment guidance and access to discretionary separately managed accounts, combining a scaled, integrated operational model with multi-asset portfolio management and alternative investment options.

Juan Cabanas serves as the Senior Resident Director and International Wealth Advisor at Merrill Lynch Wealth Management's San Diego international office. He has over 28 years of experience in wealth management, specializing in family wealth management, international wealth management, liquidity management, managing new wealth, personal retirement planning, and portfolio management services. Juan holds the title of Managing Director, the highest designation a financial advisor can achieve at Merrill Lynch. Juan began his career in 1995 at PaineWebber and has since worked with Citi-Smith Barney, UBS, and Merrill Lynch Wealth Management since 2010. He holds FINRA Registrations 7, 9, 10, and 66, and the Personal Investment Advisor (PIA) designation. Juan earned both his bachelor's and master's degrees in International Business from the University of San Diego. Fluent in Spanish and English, Juan balances his professional expertise with personal interests such as biking, boating, music, running marathons, scuba diving, skiing, soccer, swimming, and traveling. He is married and a father of three grown children.