Michael Fendley is a Wealth Management Advisor and Portfolio Manager at Merrill Lynch's Global Wealth Management Group. He works with families to help them achieve their financial goals through comprehensive wealth management, including planning, investment management, loan management, and financial services. His approach focuses on ensuring families clearly articulate and document their financial philosophies around earning, spending, saving, investing, and sharing money, aligning their financial and estate strategies with their core values. He addresses both opportunities and challenges surrounding wealth management with tailored strategies. Michael began his career with nearly ten years as a Portfolio Manager and Wealth Management Advisor at Morgan Stanley in Chicago and La Jolla before joining Merrill's San Diego office in 2008. He holds a Bachelor of Arts degree from Purdue University (1994) and earned a Certificate in Financial Planning from DePaul University in 2003. He obtained his CERTIFIED FINANCIAL PLANNER® practitioner certification in 2004, qualified for the Morgan Stanley Custom Portfolio program as a Portfolio Manager in 2007, and holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In his role, Michael manages personalized investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment approaches. When providing services through the firm's Investment Advisory Program, he may manage strategies on a discretionary basis. Outside of work, Michael's personal interests include music, spending time with family, traveling, volleyball, watching movies, and practicing yoga.

Sandy Bayne is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including First Republic Investment Management and Unionbanc Investment Services. Outside of her advisory role, she also serves as a notary on a limited basis. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Mark Sanchez is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has been with Cetera and its affiliated entities since 2026, following prior roles at Madison Avenue Securities, Mass Mutual Investors Services, MassMutual, and LPL Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform. The firm offers a range of portfolio management and financial planning services, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Jamshid Hoorfar is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He previously worked at Prudential Insurance Company of America and PRUCO Securities, LLC for 39 years before joining LPL Financial in 2020. He serves as president of Dynasty Wealth Management’s insurance agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers diverse investment solutions, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Christopher Wells is a financial advisor with RBC Capital Markets, holding a Series 66 designation and bringing 21 years of industry experience. He has worked at RBC Capital Markets since 2014 and at City National Bank since 2017. Outside of his advisory role, he is a passive owner of a real estate development and management business. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Hector Ramirez is a financial advisor with Primerica Advisors in Chula Vista, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior work includes roles at Century 21 Award, Edward Jones, and Berkshire Hathaway Home Services. He holds a real estate license in California, currently inactive. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Lisett Didonatoyoung is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses. She has 27 years of industry experience, including over a decade at UBS Financial Services and UBS International Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and alternative investment products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client strategies.

Ivan Rodriguez is a financial advisor with Charles Schwab, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at LPL Financial and Altegris Investments. He is currently based in San Diego, CA. 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 guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative investment process.

Amethyst Lewis is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 credential and six years of industry experience. Her career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. She also served with Tohi Care Homes, Inc. from 2016 to 2021. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individuals and institutional clients, leveraging firm-approved tools and strategies such as Monte Carlo simulations and Secular Return Estimates to support tailored planning.

Jennifer Casselberry is a financial advisor with Cetera, holding a Series 66 designation and 15 years of industry experience. Her career includes roles at multiple Cetera entities since 2021 and prior experience with LPL Financial and Independent Financial Group. Outside of her advisory work, she has been a contract driver for Lyft since 2017. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary approaches, and manages over $256 billion in assets across more than 10,000 advisors.

Yueh Ling Hsiung is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, and has four years of industry experience. Prior to joining UBS in 2021, Yueh worked in various roles including at Villa Rancho Bernardo and Nekter Juice Bar. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory services, combining institutional trading capabilities with wealth management through proprietary research and model-based asset allocations.

David Bigler is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior experience includes 20 years at UBS Financial Services and a one-year tenure at Arb. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes structured planning processes and a broad range of advisory programs.

Eram Qureshi is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and three years of industry experience. Prior to Merrill, she worked at Bank of America and JP Morgan Chase. She serves as a co-trustee of a family trust. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Callahan is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management. He has been in the financial services industry for over 30 years and joined Merrill Lynch in 2008. Prior to this, he served as an Associate Branch Manager at Citi Group Smith Barney. His professional focus areas include portfolio management services, women and wealth, and retirement income. Michael holds a Bachelor of Arts degree in English Literature from San Diego State University and a Teaching Credential with a Cross Cultural Bilingual Emphasis from the same institution. He is registered with FINRA under Series 65, 63, 31, 7, 8, and SIE, and holds the Personal Investment Advisor (PIA) designation. Fluent in Spanish, Michael integrates his language skills to serve a diverse client base. Outside of his professional career, Michael enjoys a variety of personal interests including antiquing, basketball, football, gardening, music, spending time with family, traveling, watching movies, and writing. He has been married for 39 years.

Kaitlyn Dobbins is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. Her career includes roles at Park Avenue Securities, Guardian Life Insurance Company, and First Allied Securities Inc prior to joining Cetera. 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 variety of portfolio management and financial planning services through a multi-manager platform with both discretionary and non-discretionary options, supporting over 10,000 advisors and $256 billion in assets under management.

Brian Neault is a financial advisor with RBC Capital Markets in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. His career includes prior roles at Morgan Stanley and City National Bank. Outside of finance, he consults independently in the horse racing industry, advising on the purchase of shared interests in horses. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment strategies and multiple advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services.

Sofia Mundy is a financial advisor with RBC Capital Markets in San Diego, holding a Series 66 designation and two years of industry experience. She has been with RBC Capital Markets since 2021 and previously worked at Merrill for 14 years. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and portfolio management services tailored to clients' risk profiles, utilizing both in-house and third-party investment managers.

Jose Lopez Villa is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan entities since 2014. Prior to his financial career, he was a professional boxer from 2011 to 2020. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, combining large institutional advisory operations with brokerage and investment management capabilities.

Vanessa Vieira Arouca is a Series 66-licensed financial advisor with Morgan Stanley in San Diego, CA, and has three years of industry experience. Her prior roles include positions at Ameriprise and Nacional Financiera SNC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and financial planning services. The firm uses structured planning processes and advanced tools to support client goals and manages approximately $2.74 trillion in client assets.

Daniela Moreno is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 credential. She has been with Morgan Stanley since 2020 and previously worked at Wells Fargo Bank from 2015 to 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by proprietary tools and market outlook models.