Kim Collins is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has worked previously at RBC Capital Markets and Wells Fargo in various capacities. Outside of his advisory role, Collins co-owns a commercial real estate business with his spouse. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies designed and implemented by internal teams and third-party managers.

Kenneth Wong is a financial advisor at Osaic with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Woodbury Financial Services and Securities America. Outside of his advisory role, he is the president of Resource One, a sole proprietorship offering life and health insurance along with financial advice and planning services. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to construct portfolios that suit various client needs.

Iris Marcovich is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 license and 11 years of industry experience. She has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following several years at BBVA-affiliated firms. Morgan Stanley Wealth Management provides comprehensive advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery and firm-approved tools, with a wide range of investment and advisory services.

Alin Goryoka is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, Bank of America, and Merrill. 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 institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Juan Gomez is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and four years of industry experience. His career includes prior roles at Stifel, UBS Financial Services, Shulson Collective, and Bank of America Merrill Lynch. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct individual engagements and corporate financial planning agreements.

James D'Alessio is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his financial services career in 1991, he has developed a client-centered approach focused on building lasting relationships and helping clients navigate the complexities of investing and wealth management. He works with a diverse client base including high net worth individuals, business owners, and non-business owners, offering expertise in retirement planning, investment strategies, liability and credit management, wealth accumulation, and estate transfer. James holds a Bachelor's degree in Finance from San Diego State University and has earned professional designations including Chartered Financial Consultant® (ChFC®), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). His practice emphasizes understanding clients' unique financial needs and goals, incorporating the emotional aspects of financial decision-making, and providing diversified solutions that align with risk tolerance and expectations. Communication and trust are central to his approach, aiming to deliver personalized and transparent financial guidance. Outside of his professional role, James enjoys spending time outdoors and with family. His personal interests include playing the saxophone, football, golfing, billiards, camping, hiking, and music. He lives in San Diego with his wife Lisa and their three children.

Chase Uejo is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their priorities and develop strategies aligned with their short-, mid-, and long-term financial goals. His services encompass general investing, retirement planning, and preparing for unexpected financial needs. He also facilitates access to Bank of America specialists for banking, credit, home financing, and small business needs. Chase holds several 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 the California State University system. His approach emphasizes uncovering what matters most to clients and their families to help formulate effective financial strategies.

Eduardo Lemus Garcia is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has been with Merrill since 2016 and previously worked at AT&T from 2014 to 2016. 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 offers model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Danielle May is a financial advisor at OSAIC with 8 years of industry experience. She holds Series 65 and Series 63 licenses and has previously worked at Brio Financial Group and TD Ameritrade. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to manage portfolios across multiple asset classes on both discretionary and non-discretionary bases.

Don Adrian Ventura is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 22 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 13 years and has been involved with Independent Capital Management since 2004, where he also engages in non-variable insurance-related activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base, including individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services supported by research and model portfolios.

Armand Bryant is a financial advisor at Charles Schwab with 15 years of industry experience. He holds a Series 66 designation and has previously worked at TD Ameritrade, Scottrade, Bank of America, and Merrill. 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 a multi-asset investment approach supported by centralized custody and due diligence on alternative investments.

Paul Neves is a financial advisor with LPL Financial, holding CFP® and ChFC® designations and over 36 years of industry experience. His career includes long-term roles at Financial Strategies And Insurance Inc and Securities America Advisors Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Aaron Curtis is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2026. He began his career at Fidelity Investments in 2021, progressing through roles including Financial Representative, Investment Consultant, and Financial Consultant. In his role, Aaron partners with individuals and families to develop comprehensive financial plans by assessing current financial situations and future goals. He holds a California Insurance License. Outside of his professional work, Aaron's personal interests include golf, pets, reading, skiing, surfing, and table tennis.

Luis Izaguirre is a financial advisor at UBS Financial Services with 24 years of industry experience. He has been with UBS since 2015 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and mutual fund distribution. The firm integrates institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor solutions to clients' goals and risk tolerances.

Kyle Kirkham is a financial advisor at Mass Mutual Investors Services in San Diego, CA, with 17 years of industry experience. He holds CFP® and Series 66 designations and has worked at firms including Charles Schwab, TD Ameritrade, Merrill, and Bank of America. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers comprehensive financial planning and asset management services through collaborative, annual engagements using firm-approved analytical tools.

Courtney Allen is a financial advisor with RBC Capital Markets in San Diego, holding Series 63 and Series 66 designations and 16 years of industry experience. She has been with RBC Capital Markets since 2012. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various wrap fee advisory programs and tailors investment strategies to clients’ advisory risk profiles using a combination of in-house and third-party managers, with options for tax management and responsible-investing screens.

Brian Dawidowicz is a financial advisor with OSAIC in La Mesa, CA, holding the CFP® and ChFC® designations and bringing 24 years of industry experience. He has been with OSAIC since 2004 and also operates a sole proprietorship focused on life and fixed annuity insurance products and personal income tax preparation. Dawidowicz is president and owner of ThruLine Planning, an S-Corp engaged in small business administration activities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage, investment advisory, financial planning, and retirement consulting services through a large network of affiliated advisers and multiple platforms. The firm uses various asset allocation and portfolio construction tools, supporting both discretionary and non-discretionary management with access to third-party money managers and wrap programs.

Gordon Sinkoff is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 63 designation and 46 years of industry experience. He has been with Morgan Stanley since 2009 and with Morgan Stanley Private Bank, N.A. since 2015. 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 financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Lake Lapp is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities and JPMC Bank NA since 2021. His prior experience includes roles at Equitable Financial Life Insurance Co., Securities America Inc., Advisor Group, Inc., and North Star Financial Partners. He also has a background at Creighton University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence. The firm emphasizes an ESG eligibility framework and offers services through its Institutional Consulting Services program on a non-discretionary basis.

Nicolas Amodeo is a financial advisor with Cetera holding a Series 66 designation and has been in the industry since 2026. His prior work includes roles at Northwestern Mutual and various educational institutions. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting various program structures and investment strategies.