Daniel Lee is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. His career includes roles at Western International Securities, Inc. and Financial West Group. Since 2008, he has been involved with DCL Financial Services, Inc., a separate business entity for tax and investment purposes. 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 a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by model portfolios and research from various sources.

Michael Bradshaw is a financial advisor at Raymond James & Associates with 52 years of industry experience. He previously worked at Merrill for 45 years and Bank of America for 12 years. Bradshaw holds Series 63 and Series 65 licenses and is based in San Diego, CA. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Andrew Roybal is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 30 years of industry experience. Prior to joining LPL Financial in 2020, he spent 24 years at Uboc Investment Services, Inc. Based in San Diego, CA, he operates Roybal Wealth Management in conjunction with his LPL business. 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 a range of financial planning and advisory programs, including both discretionary and non-discretionary management, supported by research and model portfolios from LPL Research and third-party subadvisors.

Marwan Al Ashi is a Series 66 licensed financial advisor with Edward Jones, based in San Marcos, CA. He has several years of experience in financial services including roles at Bank of America and Chase Bank, and joined Edward Jones in 2025. Outside of advisory work, he manages a rental property in Escondido, CA. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Michael Valentini is a financial advisor at J.P. Morgan Securities LLC with four years of industry experience. He holds Series 65 and Series 66 licenses. Prior to joining J.P. Morgan, he worked at Bank of America and Merrill Lynch. Outside of his advisory role, he occasionally performs as a bassist with a corporate and wedding band in San Diego. 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 a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Holly Peterson Hall is a financial advisor with Ameriprise in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2009. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement who meet certain asset thresholds, providing detailed, annual written Recommendation Reports that incorporate income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers these services through a centralized consulting team working alongside financial advisors.

Thomas Wyckoff is a financial advisor with LPL Financial in San Diego, CA, holding CFP® and CFA® designations and the Series 66 license. He has 15 years of industry experience, including prior roles at Validus Growth Investors, Pinhook Capital, and Lucia Securities. Wyckoff is involved in investment-related business activities through affiliated entities connected to his LPL practice. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services, with access to model portfolios, third-party research, and technology-based investment solutions.

Paul Curnutte is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and with 28 years of industry experience. He has been with LPL Financial since 2007. Outside of his advisory role, he is a business owner at Townes & Co, a non-investment related venture. 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 a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Monette Marino is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been part of the Buchanan/Sims/Essick/Marino & Associates Team since 2012. She works alongside her mother, Julie Buchanan, and focuses on portfolio strategy, asset allocation, retirement planning including 401k and IRA services, estate planning, charitable giving, home refinancing, and custom lending (NMLS#1073810). Ms. Marino and her team collaborate with Specialists across business lines within Bank of America banking services and Merrill Lynch Wealth Management to provide clients with enhanced services and recommendations. Ms. Marino has over 50 years of combined team experience and brings with her 20 years of experience as the CEO of a non-profit arts corporation and as the owner of a music production company in San Diego. She holds a Bachelor's Degree from the University of California system and a Master's Degree from the California State University system. Additionally, she speaks English, French, and Italian fluently. She holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ms. Marino is involved with the Mo'Rhythm School of Percussion and the community organization SPOT Saving Pets One at a Time. She is a third-generation native of San Diego.

Peter Huffman is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2008. He specializes in comprehensive wealth management with a focus on Behavioral Finance and how financial and investment decisions affect individuals and families. His expertise encompasses family wealth management strategies, philanthropic planning, socially responsible investing, and liquidity management among other areas. Before joining Merrill Lynch, Peter spent five years in Africa and Asia working in managerial roles for the Clinton Health Access Initiative (CHAI), including serving as Country Director for Ethiopia where he managed one of the largest HIV/AIDS care and treatment programs worldwide. He also acted as the principal liaison for official visits by former President William J. Clinton to Africa. Peter is engaged in philanthropy through board service and co-founding a nonprofit focused on youth empowerment and health services in South Africa and Ghana. Peter holds a bachelor's degree in psychology from Willamette University in Salem, Oregon and is a Personal Investment Advisor. He has been recognized as a Top 1200 Financial Advisor by Barron's, a Best in State Wealth Advisor by Forbes, and included in On Wall Street's Top 40 Under 40. Peter lives with his wife and their two children.

Andrew Null is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity Investments since 2013, progressing through various roles including Financial Consultant, Investment Consultant, Investment Solutions Representative, and Service Trader. Throughout his career, Andrew has focused on assisting clients in achieving their financial goals while helping them avoid common pitfalls. He holds a California Insurance License, which supports his work in providing comprehensive financial advice. Andrew is committed to building trust and confidence with his clients as he guides them through their financial planning journeys.

Samuel Bever is a financial advisor with Raymond James & Associates, holding a Series 66 designation and ten years of industry experience. His career includes roles at Merrill, Forge Markets LLC, and Raymond James, where he has worked since 2020. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and consulting with a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Allison Wong is a financial advisor with Merrill in Rancho Santa Fe, CA, holding a Series 66 designation and seven years of industry experience. She has been with Bank of America and Merrill since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Chelsea Newell is a CFP® professional with six years of industry experience, currently an advisor at Osaic Wealth, Inc. She has held roles at several firms, including Woodbury Financial Services and Northwestern Mutual. Outside of financial advising, she is active as a social media influencer, creating content related to lifestyle products and venues. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management across multiple investment types.

Mazen Abifaker is currently serving as a Vice President Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2022. In this capacity, he collaborates with multi-generational families to co-create personalized wealth plans aimed at growing, preserving, and transferring their wealth. Mazen has been with Fidelity Investments since 2010, progressing through various roles including Financial Consultant and Investment Consultant, which has provided him with extensive experience in financial advisory and wealth management. Prior to joining Fidelity, he worked as a Bank Teller at Wells Fargo Bank from 2009 to 2010. He holds a California Insurance License, underlining his professional qualifications in the financial services sector.

William Mc Gowan is a financial advisor with Charles Schwab, holding a Series 66 license and six years of industry experience. His prior work includes roles at P&G, Macy's Inc., and Indiana University before joining Charles Schwab and Co., Inc. and Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering brokerage, custody, and advisory services through its Schwab Wealth Advisory wrap fee program. The firm’s model combines non-discretionary advisory services with access to affiliated discretionary separately managed accounts and uses multi-asset model portfolios supported by extensive research and due diligence.

Kevin McBarron is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and has 41 years of industry experience. He has previously worked with Union Capital Company for 10 years and is currently associated with Wealth Planners, Inc. alongside his role at LPL Financial. 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 a range of financial planning, advisory programs, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Rene Gonzalez is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has previously worked at Bank of America, N.A. and Lending Club. 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 a range of clients, including individuals, high-net-worth clients, and pension plans.

Carina Porterfield is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Morgan Stanley Smith Barney LLC for six years before joining Merrill in 2019. Based in San Diego, CA, she has been with Merrill for seven years. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Ronnie Sanchez is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and 18 years of industry experience. He previously worked at Lucia Securities, LLC and RJL Wealth Management, LLC from 2011 to 2020. Sanchez is also involved with Lucia Capital Group, an investment-related business connected to his LPL activities. LPL Financial serves a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers diversified advisory programs, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options supported by in-house and third-party research.