Ryan Kirby is a financial advisor with LPL Financial in San Diego, CA, holding CFP® and Series 66 designations and bringing 19 years of industry experience. He previously worked at Unionbanc Investment Services for 17 years and Ameriprise for one year. Outside of his advisory role, he is co-owner of two business entities unrelated to investments. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, including model portfolios and third-party asset management, supported by advanced operational tools.

Jacob Soinski is a financial advisor at Morgan Stanley in San Diego, CA, holding CFP® and CFA® designations with seven years of industry experience. His prior roles include positions at USI Advisors, USI Consulting Group, and Valmark Securities, Inc. He joined Morgan Stanley in 2025. Morgan Stanley Wealth Management serves individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools to support its financial advisory services.

Joseph Tansey is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Sagepoint Financial, Inc. and National Planning Corporation. In addition to his advisory role, he owns IE&J, LLC, an S-Corp unrelated to investment activities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers, employing asset-allocation tools and automated rebalancing in portfolio construction.

Jeremy Middleton is a Financial Advisor at Merrill Lynch Wealth Management with over eight years of experience in the wealth management and financial services industry. He focuses on assisting hardworking, high-net-worth individuals from diverse backgrounds to achieve their financial goals. Jeremy provides tailored strategies aimed at preserving and growing client wealth through a range of services including retirement planning, wealth and estate transfer planning, asset and investment management, and corporate cash-reserve management. Having started his career in Boston, Massachusetts in 2016, Jeremy has since established his practice in Southern California. His professional expertise is supported by a Personal Investment Advisor (PIA) designation and a Bachelor's Degree from Emmanuel College. Jeremy is proficient in both English and Spanish, enhancing his ability to serve a broader client base. He is also an active member of the San Diego Black Chamber of Commerce and involved in its Emerging Leaders community initiative. Beyond his professional commitments, Jeremy maintains personal interests in baseball, boxing, football, hiking, hunting, music, skiing, and watching movies. As a Merrill advisor, he aims to connect all aspects of his clients' financial lives to help prioritize and pursue their most important goals.

Jeffrey Von Behren is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has served since 1999. He has more than 20 years of experience in the financial services industry and specializes in areas including education planning, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, and socially responsible, values-based, and ESG investing. Mr. Von Behren holds a Bachelor of Arts degree in Economics from Pomona College and a Master of Arts degree in Economics from the University of Oklahoma. He also earned a certificate in Personal Financial Planning from San Diego State University. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Prior to his career in financial services, Mr. Von Behren served four years as a Field Artillery Officer in the United States Army, achieving the rank of Captain. He has been recognized by Forbes in its "Best-in-State Wealth Advisors" list for 2023 through 2025, and his team, The Roel Von Behren Group, was named to the Forbes "Best-in-State Wealth Management Teams" list for 2023 through 2026. He resides in Mission Hills with his wife and their two children and enjoys biking, reading, running, skiing, and spending time with his family.

Laura Jacobs is a financial advisor at UBS Financial Services with 16 years of industry experience. She holds the CFP® and Series 66 designations and has been with UBS since 2011. Outside of her advisory role, she is involved with Screen Free Kids LLC, where she manages social media, runs events, and oversees the company’s website focused on providing screen-free activities and education for families. She also has experience selling health and skincare products through NuSkin. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work through a network of financial advisors who tailor plans based on proprietary research and model-based asset allocations.

Jorge Carranza is a financial advisor with Edward Jones in Chula Vista, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, and Wells Fargo. Outside of financial services, he owns a rental property in El Sauzal, BCN. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and operates under a fiduciary standard.

Michael Lacroix is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2012 and with Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, Lacroix serves as Chair of the Military Affairs Committee and is a member of the Finance Committee for Rotary International in San Diego. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Jenica Bertalan is a CFP® and holds a Series 66 license, with 18 years of experience in the financial services industry. She has been with Edward Jones since 2014, currently based in Point Loma, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Eric Splaver is a financial advisor with Cetera, holding a Series 66 designation and 15 years of industry experience. His career includes roles at various firms including Avantax Advisory Services and extensive involvement with his own CPA and financial management entities. He is a partner and manager at Splaver, Splaver & Kasten, CPA, PLC, where he provides tax, accounting, and business consulting services. Cetera Investment Advisers LLC is an SEC-registered adviser serving a wide range of clients from individual investors to institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to a multi-manager platform with various program structures and third-party managers.

Steven Gray is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at TD Ameritrade from 2011 to 2023 before joining Charles Schwab. 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 advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment due diligence.

William Garber is a financial advisor with UBS Financial Services in San Diego, CA. He holds a Series 66 designation and has 14 years of industry experience, including 13 years at UBS. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products.

Christopher Schierhorn is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2017. He has eight years of industry experience, including three years at Hein and Associates LLP prior to joining UBS. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.

Didier Frachon is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 designations and has worked within various divisions of Morgan Stanley since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Roberto Aguais is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Ameriprise, and Mission Federal Credit Union. He has experience working outside the financial sector at Bonita Pet Supply and in accounting services with Robert F Rosario CPA. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal teams and third-party managers.

Khanh Ngo is a CFP®-designated financial advisor with 19 years of industry experience. He is currently with RBC Capital Markets, where he has worked since 2020. His prior experience includes roles at Merrill, Unionbanc Investment Services, MUFG Union Bank, and Bank of America. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through a combination of in-house and third-party investment managers, supported by RBC’s capital markets and affiliated asset management capabilities.

Keith Kitagawa is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role he has held since 2020. He has more than 24 years of experience in the financial services industry. Keith provides comprehensive financial advice tailored to clients' time horizons, liquidity needs, investment goals, and fee sensitivities. His services focus on advising high net worth individuals and corporate executives, particularly in areas including executive compensation, family wealth management strategies, managing new wealth, and personal retirement planning. Keith holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Private Wealth Advisor® (CPWA®), Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), and Personal Investment Advisor (PIA). He earned a Bachelor of Science degree in Mechanical Engineering from the United States Naval Academy and a Master of Business Administration degree from UCLA Anderson. Prior to his financial services career, Keith served five years as a submarine officer in the United States Navy, attaining the rank of Lieutenant Commander. He is actively involved in community service and currently serves on the board of the San Diego Military Advisory Council Foundation and the advisory board of Life Science Cares San Diego. Additionally, Keith volunteers as a United States Naval Academy Blue and Gold Officer for local high schools. He has also held leadership roles with the Salvation Army Kroc Center in San Diego and the United States Naval Academy Alumni Association's San Diego Chapter. Keith resides in San Diego and has interests in cooking, ice hockey, spending time with family, and traveling.

Steven Schulte is a CFP® with 26 years of industry experience currently working at LPL Financial since 2025. He previously worked at Ameriprise and Ameriprise Financial Services, Inc. from 2014 to 2025. Outside of his advisory role, Schulte is involved in several business ventures including co-ownership of Southwest ATMs LLC and ownership of Schulte Financial Services LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

Liam Allford is a financial advisor at RBC Capital Markets in San Diego, CA. He holds the Series 66 designation and has recently begun his career, with prior experience including roles at City National Bank and RBC Capital Markets, as well as being a student at UCSB. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers customized portfolio management and financial planning services, utilizing both in-house and third-party investment managers and providing options for tax management, responsible investing, and alternative investments.

Jason Sinkoff is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation. His prior work includes positions at Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, N.A., and roles in academic institutions such as James Madison University and Wagner College. Outside of finance, he has been involved with the JCC Maccabi Sports Camp. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning services supported by firm-approved planning tools and investment research.