Derek Wright is a Financial Consultant at Fidelity Investments, a role he has held since 2021. He provides guidance and personalized financial planning services to help clients work towards their life goals, collaborating with his team to tailor strategies that adapt to clients' changing needs. Prior to his current position, Derek held several roles at Fidelity Investments, including Investment Consultant from 2019 to 2021 and Financial Representative in 2019. Before joining Fidelity, he was a Relationship Manager at Bank of America from 2018 to 2019 and an Account Manager at ViewRidge Funding from 2017 to 2018. Derek holds a California Insurance License. Outside of his professional work, Derek has interests in food, outdoor adventures, snowboarding, traveling, and pets.

Raphael Aziz is Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 2022, initially serving as a Financial Consultant. Prior to that, he worked as an Associate Wealth Advisor at Mercer Advisors (formerly Epstein & White Financial) from 2020 to 2022. His earlier experience includes roles as a Financial Advisor at Merrill Lynch from 2019 to 2020 and as a Banker at JPMorgan Chase Bank, N.A. from 2012 to 2019. In his role, Raphael focuses on helping clients feel comfortable, educated, and empowered to make financial decisions aligned with their goals. He emphasizes understanding clients' ambitions and situations, conducting comprehensive portfolio analyses, and discussing opportunities that fit their strategies. Raphael holds a California Insurance License. Outside of work, Raphael enjoys baseball, spending time at the beach, cooking and baking, engaging in family activities, and parenthood.

Mayte Albert is a financial advisor at Merrill with Series 63 and Series 66 credentials and 32 years of industry experience. She has been with Merrill since 1989. Merrill, along 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

Alberto Nunez is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. His prior roles include positions at Fidelity Brokerage Services and TD Ameritrade. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting, with clients retaining final decision-making authority.

Michael Jackson is a financial advisor with Edward Jones in El Cajon, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at Marsh & McLennan Agency for 12 years and operated his own business, Jackson Consulting, Inc., which focused on educational book sales. He is also the head women's golf coach at Patrick Henry High School. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment advisory programs and affiliated services, supported by a large network of financial advisors and branch offices nationwide.

David Lee is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Stifel since 2012. He holds Series 63 and Series 65 licenses. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Nilly Alsaid is a Series 66-credentialed financial advisor with four years of industry experience. She is currently with J.P. Morgan Securities and previously worked at Bank of America, Merrill, MUFG Union Bank, and began her career at the Law Offices of Gonzales & Gonzales. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary asset allocation and manager search program supported by centralized due diligence and quantitative and qualitative research.

Nam Le is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 66 and Series 63 licenses and nine years of industry experience. He has worked at J.P. Morgan Securities LLC since 2017 and at JPMC BANK NA (Southwest) since 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s advisory program emphasizes written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a mix of quantitative and qualitative research.

Adawna Ruthart is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2013, with additional experience at Truist Advisory Services and related entities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. Their advisory process includes centralized due diligence with quantitative and qualitative analysis and may incorporate ESG criteria.

Cearra Free is a financial advisor with LPL Financial holding a Series 66 designation and has been in the industry since 2023. Her prior work experience includes roles at Trax Wealth Management, Guaranteed Rate, Supreme Lending, and JH Ranch. 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 services, including financial planning, model portfolio programs, and institutional platforms, with investment strategies implemented by a large network of investment adviser representatives.

Michael Andreotti is a CFP® professional with 32 years of experience in the financial industry. He has worked at Morgan Stanley and its Private Bank since 2021, following five years at Wells Fargo Clearing and two years with Prudential Equity Group, LLC. He holds Series 63 and Series 65 licenses and is based in San Diego, CA. He is affiliated with Morgan Stanley Wealth Management, an SEC-registered adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and analytical tools.

Son Ha is a Series 66-licensed financial advisor with Merrill in San Diego, CA, with seven years of industry experience. He has been associated with both Merrill and Bank of America, N.A. since 2014. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Matthew Hansen is a CFP®-certified financial advisor with 20 years of industry experience. He is currently with Morgan Stanley in Poway, CA, having previously worked at UBS Financial Services, Lucia Capital Group, and Raymond J. Lucia Companies. Outside of his advisory role, Hansen is a partner in H Five Holdings LLC, a real estate investment and property management business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering comprehensive financial planning and a wide range of advisory programs. The firm utilizes structured planning tools and investment research to support tailored financial strategies.

Peter Fink is a CFP® professional with 62 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. His prior experience includes roles at Lumena Financial Strategies, Inc., Waddell & Reed, Inc., and various insurance carriers. He has served on the Board of Governors at City of Hope since 1997 and has been involved with AYSO as a soccer referee and instructor since 1975. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment solutions through a large network of investment adviser representatives using diverse strategies and technology tools.

Alexandra Sonnenberg is a CFP® professional with six years of industry experience, currently serving at LPL Financial. She has previously worked with Commonwealth Financial Network and Cambridge Investment Research. In addition to her advisory role, she is involved in fixed insurance sales in San Diego, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Tiffany Roussis is a Series 66 licensed advisor with six years of industry experience, currently with J.P. Morgan Securities in San Diego, CA. Her work history includes roles at JPMorgan Chase Bank, N.A. and Wells Fargo. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and manager research.

Ashley Hines is a Financial Consultant at Fidelity Investments, a role she has held since 2023. She has been with Fidelity Investments since 2019, previously serving as an Investment Consultant from 2021 to 2023 and as a Financial Representative from 2019 to 2021. Prior to joining Fidelity Investments, Ashley worked at OneMain Financial as a Branch Manager Trainee from 2016 to 2019, and at TMX Finance as a Store Manager from 2012 to 2016. Ashley holds a California Insurance License, which supports her professional work in financial consulting. Her approach involves understanding the priorities of her clients and their families to develop personalized financial strategies. Outside of her professional duties, Ashley's personal interests include spending time at the beach, cooking and baking, hiking, reading, traveling, and volunteering.

Thania Sotelo is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior work includes positions at Bank of America and Prospera Financial. Outside of advising, she owns and manages two small businesses: an e-commerce company and a photo booth and 360 video service for events. 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 a range of individual and institutional clients.

Kris Iverson is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. He worked at Edward Jones for three years before joining LPL Financial in 2010. Iverson operates under the DBA Kris Iverson, Inc. 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, supporting advisors with advanced research tools while overseeing over $819 billion in discretionary assets.

Michael Montgomery is a financial advisor with Cetera holding a Series 66 designation and 17 years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as Thrivent Investment Management. He is based in El Cajon, CA. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.