Virginia Lawrence is a financial advisor at Morgan Stanley with 23 years of industry experience. She has been with Morgan Stanley Smith Barney since 2011 and holds Series 63 and Series 66 licenses. 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 customized financial planning supported by structured discovery and advanced modeling tools.

Cameron Henderson is a Financial Advisor at Merrill Lynch Wealth Management. In his role, he provides financial guidance and support to clients, helping them manage their wealth and achieve their financial objectives. Cameron Henderson holds a Bachelor's Degree from San Diego State University.

Charles Russell is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and four years of industry experience. Prior to joining LPL Financial in 2024, he worked at Bank of America and Merrill. He also co-founded Mantra Yoga, Inc., a venture outside the financial sector. 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, model portfolio programs, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

Carlos Alonso is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. He has been with UBS since 2010. Outside of his advisory role, he is a trustee of a family living trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and operates as a broker-dealer, investment adviser, and futures commission merchant.

Bradley Schluter is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. His prior roles include work at Angel Oak Capital Advisors and TD Ameritrade. 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts supported by multi-asset model portfolios and centralized custody and operational services.

Matthew Nakamura is a financial advisor with Cetera who holds a Series 66 designation and has 20 years of industry experience. His prior work includes roles at M Holdings Securities and Commonwealth Financial Network. Outside of his advisory work, he owns a condominium in San Diego that is managed as a rental property. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors, utilizing multiple program structures and a multi-manager platform.

Rachel Paulin is a financial advisor with RBC Capital Markets in San Diego, CA. She holds Series 63 and Series 65 designations and has 46 years of industry experience. She has been with RBC Capital Markets since 2014. RBC Wealth Management, a division of RBC Capital Markets, serves individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a variety of wrap fee advisory programs with tailored strategies, combining in-house and third-party managers to provide discretionary and non-discretionary portfolio management and related financial services.

Lee Fox is a financial advisor at Edward Jones in Coronado, CA, holding a Series 66 designation with six years of industry experience. Prior to joining Edward Jones in 2020, he served 24 years in the United States Navy and has been a pilot for government contract air support since 2019. Outside of his advisory role, he is involved in managing rental properties and operates a sailboat shared among six members. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of financial advisors and branch offices.

Scott Mc Ghee is a financial advisor at Morgan Stanley with six years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2019. Prior to that, he was associated with Young Life from 2015 to 2019. Outside of his advisory role, he occasionally writes online product reviews for Recreation Equipment Incorporated (REI) based on field testing. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized planning groups.

David Mcdermott is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. He has been with LPL Financial since 2012 and concurrently works with San Diego County Credit Union, where he is involved in their investment services program. Prior to these roles, he spent several years with CUSO Financial Services, L.P. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of investment adviser representatives, offering a broad range of financial planning and portfolio management solutions supported by advanced operational and research tools.

Phetpilin Phetsanghane is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. She has been with Bank of America, N.A. and Merrill since 2015. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jessica Harrigan is a financial advisor at Fidelity with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked within various Fidelity entities since 2013. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and manages oversight and evaluation processes to address conflicts of interest.

Robert Kennedy is a financial advisor with Cetera based in San Diego, CA, holding the Series 66 designation and 18 years of industry experience. He has worked with multiple entities within the Cetera network since 2018 and previously spent eight years at LPL Financial. Cetera Investment Advisers LLC is an SEC-registered firm that provides services to individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning solutions through a large nationwide network of independent advisors, using a multi-manager platform that includes affiliated and third-party model portfolios and bespoke investment strategies.

Magdiel Delgado is a Series 66-credentialed financial advisor with nine years of industry experience, currently serving at UBS Financial Services since 2018. Prior to UBS, he worked at BBVA Wealth Solutions and BBVA Securities, as well as COMPASS Bank. Delgado is also an employee of an affiliated bank where he is authorized to offer banking products and services. 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, delivering advisory work through a network of advisors supported by proprietary research and model-based asset allocations.

Jorge Gonzalez is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank, NA. 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. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Rick Meiss is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 20 years of industry experience. He previously worked for SCF Investment Advisors, Inc. and SCF Securities, Inc. for ten years. Outside of his advisory role, Meiss is also a non-variable insurance agent. 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, model portfolio programs, third-party asset management, and institutional platforms.

Kathryn Alvarez is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill since 2008. Outside of her advisory role, she serves as a notary public. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Marque Cohen is a financial advisor at UBS Financial Services with 33 years of industry experience. He has worked at UBS since 2009 and holds Series 63 and Series 65 designations. 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 offers proprietary research, custody, underwriting, and capital markets services.

Matthew Hanson is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at Wells Fargo Clearing, J Kelly & Associates, and Sterling Wealth Strategies. He has also been affiliated with the United Church of Christ of La Mesa. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios consisting of mutual funds, ETFs, and ETPs.

Alexander Stanescu is a Series 66-licensed financial advisor at Raymond James & Associates with two years of industry experience. Prior to joining Raymond James in 2025, he worked at Commonwealth Financial Network for three years and LPL Financial for one year. He also spent nine years at San Diego State University. Raymond James & Associates is a large, 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 supported by a nationwide adviser network.