Victor Galvez is an International Wealth Advisor and Portfolio Manager at Merrill Lynch Wealth Management. He specializes in serving ultra high net worth clients, providing personalized wealth management and investment planning services with a focus on international wealth management, family wealth strategies, and retirement planning. Victor holds a Bachelor's Degree from the University of San Diego and holds professional designations including Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). His expertise encompasses areas such as philanthropic planning, socially responsible and values-based investing, and tax minimization. He is active in the industry through roles such as Chair of the International Wealth Advisor Advisory Council To Management in 2022, and participation in the Hispanic Latino Advisory Council and Hispanic Latino Business Council in San Diego. Outside of his professional responsibilities, Victor enjoys antiquing, biking, boating, golfing, hiking, running, scuba diving, skiing, yoga, and spending time with his family.

Gregg Patenaude is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with LPL Financial since 2008, following a year at Edward Jones. 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 advisory and brokerage services including financial planning, model portfolio programs, and institutional platforms, supported by various operational and research tools for its network of over 22,800 advisors.

Madeleine Ennis is a financial advisor at Fidelity with Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Fidelity, her work history includes roles at educational institutions such as Villanova University and Roland Park Country School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and advisory services.

Ahmed Elkaray is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing personalized financial advice and guidance designed to help clients achieve their financial goals. Ahmed assists individuals and families in areas such as retirement planning, wealth growth, education planning, and navigating significant financial decisions. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation, the Chartered Retirement Planning Counselor (CRPC) certification, and the Personal Investment Advisor (PIA) credential. Ahmed earned a Bachelor's Degree from Cairo University and a Master of Business Administration (MBA) from Lincoln University. He is fluent in both English and Arabic. Outside of his professional work, Ahmed enjoys golfing, hiking, reading, soccer, traveling, and spending time with his family.

Sophia Abrams is a financial advisor at Merrill with a Series 66 credential and five years of industry experience. Her work history includes roles at Bank of America, Merrill, Wells Fargo, and teaching positions at Northern Arizona University, Chandler-Gilbert Community College, and Paradise Valley Community College. She also has experience with Wasted Grain. 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 plans, corporations, and charitable organizations. The firm utilizes a range of strategic and tactical asset allocation approaches and supports tax-aware investment strategies.

Dustin Grimm is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity for over a decade, working in various capacities including Financial Consultant, Investments Representative, and Financial Representative. Prior to joining Fidelity, he worked as a Personal Banker at Bank of America from 2006 to 2008. Dustin's experience spans wealth planning and working with clients and families in diverse financial situations. He holds a California Insurance License, supporting his work in financial consulting and planning. He is committed to helping clients pursue their financial goals through comprehensive wealth planning services.

Joseph Morse II is a CFP® professional with 33 years of experience in the financial industry. He has worked at LPL Financial since 2019 and previously held roles at Wells Fargo Advisors Financial Network LLC and Citigroup Global Markets. He also operates a wealth management business affiliated with his LPL practice in La Mesa, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Eric Hutz is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management, bringing over 25 years of experience in the financial services industry. He began his career in 1999 in retail banking, progressing through various frontline and leadership roles including Teller and Branch Manager. His extensive background encompasses loan origination, small business banking, and private client advisory, which provides him with a comprehensive perspective on both personal and business finances. Since becoming a Financial Advisor in 2014, Eric has served clients primarily in the South San Diego market before expanding his practice to support clients across California and nationally. He focuses on detailed financial planning and communication, taking time to understand each client's goals and building personalized financial strategies. His approach emphasizes collaboration and long-term planning. Eric holds a Bachelor's Degree in Economics from the University of California, San Diego, and has earned several professional credentials including Certified Plan Fiduciary Advisor® (CPFA®), Retirement Accredited Financial Advisor (RAFA), Certified Exit Planning Advisor (CEPA®), and Senior Portfolio Advisor in Merrill Lynch's Investment Advisory Program. He is involved with Make-A-Wish San Diego and resides in Chula Vista with his wife and two children. Outside of his professional responsibilities, Eric enjoys practicing yoga, exploring new dining options, traveling internationally, and spending time with his family.

James Nuzzi is a ChFC® credentialed financial advisor with 43 years of industry experience. He is currently with OSAIC and previously worked at Lincoln Financial Advisors Corporation and Hornor, Townsend & Kent, LLC. James also operates Nuzzi Financial Network, providing insurance and investment-related services. OSAIC Wealth serves a diverse client base, including retail investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization supported by various advanced tools and manages accounts through multiple custodial and affiliated entities.

Natalia Ledesma Hodoyan is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 credential. She joined Morgan Stanley in 2026 and has a diverse background including roles in higher education and brand-related positions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning emphasizes structured discovery and firm-approved tools without specific security recommendations in standalone plans.

Laura Khorshid is a Private Wealth Manager at Merrill Private Wealth Management. She provides service to individuals, families, businesses, and philanthropies, creating customized financial plans that align with each client's unique needs and working collaboratively with their advisors and a team of specialists. Laura focuses on offering advice and guidance on investment opportunities, tax minimization, estate planning strategies, and financial planning aimed at pursuing clients' goals. Laura has been in the investment industry since 2007, starting her career at Citigroup Smith Barney before joining Merrill in 2011. She oversees portfolio development, asset allocation, trading, and investment rebalancing and manages private investment exposure including equity, debt, and real estate. She evaluates alternative strategies for shareholders with single stock concentrations, focusing on protection, diversification, and liquidity. Her areas of expertise include college education planning, family wealth management, LGBT wealth planning, liquidity management, portfolio management services, socially responsible investing, women and wealth, and personal retirement planning. Laura holds a Bachelor's Degree in Business Administration with a concentration in International Business and a minor in East Asian Languages & Cultures from the University of Southern California. Through USC's International Exchange Program, she studied at National Taiwan University in Taipei, Taiwan. She is a Certified Exit Planning Advisor (CEPA) and a Personal Investment Advisor (PIA). Laura is multilingual, speaking English, Chinese, and Arabic. Outside of work, she enjoys antiquing, boxing, football, horseback riding, reading, running, spending time with her family, swimming, traveling, and yoga. She also has been involved with Sister Cities International and various USC Alumni Associations, including serving on boards and as an officer.

Edward Gabrielyan is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and three years of industry experience. Prior to joining UBS in 2022, he worked at Peregrine Music and has been self-employed since 2017. Outside of his advisory role, he occasionally works as a pianist, performing at restaurants and tutoring students. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings that include fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor financial plans.

Michael Judge is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on offering a comprehensive approach to managing wealth that begins with getting to know a client and their family, financial situation, and what matters most to them. He helps clients create customized wealth management approaches that can adapt as their needs and market conditions change. Michael provides access to the investment insights of Merrill and the banking convenience of Bank of America to address various aspects of clients’ financial lives. With over a decade of experience, Michael is a CERTIFIED FINANCIAL PLANNER® professional who serves a clientele requiring detailed attention and extensive knowledge. His expertise includes corporate executive services, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, liquidity management, socially responsible investing, individual and corporate investment strategy, tax minimization, and retirement income planning. Michael holds a Bachelor's Degree from the State University of New York System and holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). His personal interests include adventure sports, baseball, fishing, ice hockey, music, racquetball, soccer, spending time with family, surfing, and traveling.

Jorge Llamas is an International Wealth Advisor with Merrill Lynch Wealth Management, bringing 35 years of experience in helping clients preserve wealth through various market cycles. He specializes in family wealth management strategies, international wealth management, managing new wealth, philanthropic planning, and portfolio management services. Jorge leverages his extensive knowledge in domestic and international fixed income and equity markets to diversify and allocate assets with the goal of maximizing returns while reducing risk. He holds a Bachelor's Degree from Universidad del Valle de Mexico and the Professional Investment Advisor (PIA) designation. Jorge is committed to building strong relationships with his clients, emphasizing a personalized approach to wealth management that adapts to changing market conditions. Fluent in both English and Spanish, he also engages with his community through volunteering, embodying the Merrill tradition of service. Outside of his professional pursuits, Jorge enjoys adventure sports, biking, boxing, camping, fishing, football, hiking, music, reading, and soccer. His approach combines accessibility, knowledge, and experience to assist clients in making important financial decisions.

Christopher Rhanor is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. His career includes roles at multiple Cetera entities and First Allied, spanning over a decade. Cetera Investment Advisers LLC is an SEC-registered firm 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 multi-manager platform with discretionary and non-discretionary options.

Bryan Plank is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing 35 years of experience to his role. Born in Queens, New York, he has been part of a team serving clients in California for over four decades. Bryan specializes in family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor’s Degree from the University of Southern California and a Professional Investment Advisor (PIA) designation. Bryan emphasizes creating personalized financial strategies that align with clients’ long-term goals, offering access to the investment insights of Merrill and the banking and lending solutions of Bank of America. Committed to community involvement, he participates in local volunteer activities in keeping with Merrill’s tradition. Outside of work, Bryan enjoys gardening, music, and writing.

Jose Trevino is a financial advisor at Edward Jones with 33 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Trevino has been with Edward Jones since 1992. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of investment advisory programs and affiliated financial services through a large nationwide network of advisors and branch offices.

Lawrence Andrews Jr. is a CFP® with over 42 years of experience in the financial industry. He is currently with Morgan Stanley, having previously worked at City National Bank, RBC Capital Markets LLC, and Merrill. He holds the Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs that include tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct individual relationships and corporate financial planning agreements.

Michele Colon is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and having one year of industry experience. She has been with UBS Financial Services since 2014. UBS Financial Services 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 advice to clients' goals and risk tolerances.

Marisa Clayton is a financial advisor with Wells Fargo Clearing in La Jolla, CA, holding a Series 66 designation and 25 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent nine years at UBS Financial Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.