John Jacobs is a financial advisor with LPL Financial in Bonita, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities. He is also involved with San Diego County Credit Union in an investment-related capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, corporations, and charitable organizations. The firm provides diversified advisory programs, retirement plan consulting, and brokerage services supported by in-house and third-party research.

Cade Erautt is a financial advisor at Ameriprise Financial Services with two years of industry experience. He holds the Series 66 designation and previously worked at California Credit Union, providing financial advice and assisting members with long-term financial planning. Cade is based in Imperial Beach, CA. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized retirement income service that provides written recommendation reports and ongoing annual advice focused on dependable income sources and tax-aware withdrawal strategies.

Claire Neville is a financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, she worked at Warner Bros. Discovery and CNN International. She serves on the board of Neville's Automotive Co., an automotive and transportation business based in Oceanside, California. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets through various advisory and brokerage services.

Alejandro Mendoza is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following five years with Wells Fargo Clearing and one year with Wells Fargo Advisors, LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, 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 a structured financial planning process supported by firm-approved tools and modeling techniques.

Ward Gorham is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Morgan Stanley for 11 years before joining Wells Fargo Clearing in 2024. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

John Armstrong IV is a financial advisor with Wells Fargo Clearing in La Jolla, CA. He holds the Series 63 and Series 65 designations and has 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Max Hangartner is a Series 66 credentialed financial advisor with LPL Financial in San Diego, CA. He has 23 years of industry experience and has been with LPL Financial since 2015. 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 financial planning, advisory programs, and a range of portfolio management services supported by both proprietary research and third-party subadvisors.

Robert Wilcsek is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the La Jolla office. He has worked in financial services since 1977, bringing over 45 years of experience to his role. Robert assists clients by developing personalized wealth management strategies tailored to individual needs, focusing on family wealth management, endowments, foundations, non-profit services, new wealth management, retirement planning, portfolio management, and retirement income. Robert holds a Doctorate from Washington State University and previously worked at the University of California, San Diego, before joining Merrill Lynch. He carries the Personal Investment Advisor (PIA) designation. Raised in Solana Beach, California, Robert emphasizes a comprehensive and collaborative approach, working one-on-one with clients to help them pursue their long-term financial goals. He is also engaged in community volunteering in alignment with Merrill’s tradition of service. Outside of work, Robert enjoys billiards, surfing, and watching movies.

Ivette Moguel is a financial advisor at Morgan Stanley in San Diego, CA, with 19 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Merrill Lynch for 14 years prior to joining Morgan Stanley in 2024. 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 through a structured planning process that employs firm-approved tools and market modeling techniques.

Delawar Roashan is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at Equitable Advisors since 2020 and previously at Cuso Financial Services, LP from 2015 to 2020. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage/insurance channels to tailor client services based on documented goals, risk tolerance, and time horizon.

Christopher Hagopian is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 66 licenses and 27 years of industry experience. He previously worked at UBS Financial Services Inc. from 2010 to 2017 and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. He serves as a trustee for a trust based in Mill Valley, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and Monte Carlo simulations to model potential outcomes.

Dean Ridgway is a Wealth Management Advisor at Merrill Lynch Wealth Management. He formed The McPherson Ridgway Group in 2007 and has been serving clients in wealth management since 2005. Dean's practice focuses on areas including education planning, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. His team is committed to helping clients lead worry-free retirements. Dean earned a Bachelor of Science Degree in Civil Engineering from Virginia Polytechnic Institute and State University in 1994. Following his education, he served as an officer and helicopter pilot in the United States Marine Corps for 10 years before retiring from the U.S. Marine Corps Reserve as a Lieutenant Colonel in 2016. He holds the CERTIFIED FINANCIAL PLANNER (CFP) certification, the Chartered Retirement Planning Counselor (CRPC), and the Personal Investment Advisor (PIA) designations. Dean resides in Scripps Ranch with his wife, Catherine, and their three children. Outside of his professional responsibilities, he enjoys camping, surfing, mountain biking, biking, skiing, softball, and spending time with his family. He is also affiliated with professional organizations including Beta Theta Pi Fraternity, Alpha Phi Chapter, Scripps Ranch Old Pros, and the United States Marine Corps (Retired).

Steven Douek is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Morgan Stanley and its Private Bank division for 10 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Daniel Elizondo is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various Fidelity entities since 2007. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including IRS-qualified charitable funds and registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs, and it maintains oversight through affiliated or unaffiliated sub-advisers.

Robert Coronel is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2011, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

William Stern is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Stern is involved as an advisory director in FM JAM and has a holding company named Chateau Rum Row. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, utilizing structured financial planning tools and serving clients through both direct and corporate financial planning agreements.

Karen Purvis is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 designations and 29 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she serves as Secretary on the Board of Directors for the PLHS Golf Boosters. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides detailed recommendation reports and ongoing advice focused on income sources and tax-efficient withdrawal strategies.

Joshua Camargo is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals and families to develop personalized wealth management, retirement planning, investment guidance, and legacy planning strategies tailored to their unique needs. Joshua holds a Bachelor's Degree from San Diego State University and has earned the Personal Investment Advisor (PIA) designation. His approach centers on understanding clients' goals and priorities, simplifying complex financial concepts, and providing ongoing advice to adapt portfolios as clients' situations change. In addition to his professional work, Joshua is involved with the San Diego Food Bank.

Martha Alonso Hara is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. She has been with UBS Financial Services since 2010 and has been associated with UBS International Inc. since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client strategies.

Raymond Dexter is a financial advisor with LPL Financial, holding a Series 63 designation and over 41 years of industry experience. He has been with LPL Financial since 1990. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a network of investment adviser representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting, offering both discretionary and non-discretionary management with access to model portfolios and research.