Ray Garnica is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney since 2010, including time with the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm combines structured planning tools with investment insights from its Global Investment Committee.

David Harrison is a CFP® with 38 years of industry experience, currently advising at Wells Fargo Clearing since 2016. He previously worked at Prudential Equity Group, LLC for nine years. He holds Series 63 and Series 65 licenses and acts as a power of attorney for his spouse in an unrelated capacity. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Reinna Gabriel is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and one year of industry experience. Her prior work includes roles with Merrill and involvement in athletics and academic activities at Cornell University. 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, pension plans, corporations, and charitable organizations.

Guillermo Espinoza is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His career includes roles at LPL Financial and Independent Financial Group, LLC prior to joining Cetera Investment Advisers in 2025. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with discretionary and non-discretionary program options.

James Grandinetti is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 25 years of industry experience. He worked for Gurtin Fixed Income Management, LLC for 14 years before joining Cetera and its affiliated entities in 2022. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients through a network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing both affiliated and third-party managers across various program structures.

Kathryn Gaggi is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 66 designations and has worked at J.P. Morgan Securities and JPMorgan Chase since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research and may incorporate an ESG eligibility framework.

Miguel Herrera Fraga is a financial advisor at Charles Schwab with a Series 66 designation and recent entry into the industry. Prior to joining Schwab, his background includes roles at Vuori and involvement with Surfboardbroker Inc, alongside several years engaged in full-time education. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm provides a mix of non-discretionary and discretionary investment management using multi-asset model portfolios and offers a distinctive integrated operational structure.

Kim Collins is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has previously worked at RBC Capital Markets, Wells Fargo Clearing, and Oppenheimer. Outside of his advisory role, Collins is a co-owner of a commercial real estate business with his spouse. 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, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Nelly Warner is a financial advisor at LPL Financial in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to joining LPL Financial, she worked at Commonwealth Financial Network for five years and has experience in hospitality from positions at Catamaran Resort Hotel & Spa and The Lodge at Torrey Pines. She also spent two years at San Diego University for Integrative Studies. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Kenneth Wong is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Woodbury Financial Services Inc. and Securities America, Inc. Wong is also president of Resource One, a sole proprietorship offering life, health, and long-term care insurance as well as financial advice and planning services. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and customized investment strategies supported by proprietary tools and third-party managers.

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 with JPMorgan Chase Bank, Bank of America, and Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research, incorporating ESG considerations and supported by affiliates for implementation and portfolio services.

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.

Carmen Garcia Sevillano is a financial advisor at Merrill with a Series 66 designation and two years of industry experience. Before joining Merrill in 2022, she worked at UC San Diego Health for three years. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Thomas Yoon is a CFP®-credentialed financial advisor with 37 years of industry experience. He is currently with Ameriprise, where he has worked since 2023, following a 27-year tenure at Edward D. Jones & Co., L.P. and Edward Jones. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Chase Uejo is a Client Experience Advisor at Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their financial situations and introduces solutions available through Merrill and Bank of America. He focuses on empowering clients to take control of their financial lives and select platforms that align with their current needs. Chase holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned his Bachelor's Degree from the California State University System. His approach involves helping clients identify what matters to them and their families to develop strategies aimed at pursuing their financial goals.

Danielle May is a financial advisor at OSAIC in San Diego, CA, with nine years of industry experience. She holds Series 65 and Series 63 designations and has previously worked at Brio Financial Group and TD Ameritrade. OSAIC serves a diverse client base, including retail investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services. The firm employs a model-based investment approach with tools such as risk-tolerance questionnaires and portfolio optimization, supporting multiple advisory strategies and third-party manager selections.

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. His prior roles include positions at Sagepoint Financial, Inc., Independent Capital Management, and Ameriprise. He is also involved with Independent Capital Management, Inc. in a non-variable insurance capacity. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with advanced research tools and a broad suite of financial products.

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.