Carolin Botzenhardt is a financial advisor at UBS Financial Services with 26 years of industry experience. Her prior roles include positions at Wells Fargo and Deutsche Bank, where she worked for over a decade. She serves on the finance committee of the Institute of Contemporary Art in San Diego, focusing on the organization's financial health and fund management. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management, leveraging proprietary research and model-based asset allocation to tailor investment strategies.

Timothy Cusick is a financial advisor with Wells Fargo Clearing and holds a Series 63 designation. He has 44 years of industry experience, including roles at Wells Fargo Advisors LLC from 2009 to 2016 and Wells Fargo Clearing since 2016. He serves as an investment committee member for Rise Up Industries, contributing to investment policy discussions. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s investment approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Mark Allen is a Planning Consultant within the Wealth Management Team at Fidelity Investments, a role he has held since 2025. He works closely with clients to develop financial strategies tailored to their individual situations, emphasizing trust and openness throughout the process. Prior to this, Mark served as a Relationship Manager at Fidelity Investments from 2024 to 2025 and began his career there as a Financial Representative in 2023. Mark holds a California Insurance License, supporting his expertise in financial planning and client advisory services. Outside of his professional work, he has interests in cars, fitness, gardening, motorcycles, pets, and tennis.

Stephan Kungl is a Series 66-licensed financial advisor with nine years of experience at Merrill and Bank of America, based in La Jolla, CA. Before joining Merrill, he worked briefly in various roles within Wells Fargo and had a three-year tenure with Angels Baseball LP. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base, including individuals, high-net-worth clients, pension plans, and charitable organizations.

Olivia Zuniga is a financial advisor at Merrill with four years of industry experience. She holds the Series 66 designation and previously worked at Jackson Hewitt. She serves as the secretary on the board of the Monte Vista High School PTSA. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and institutional investors.

David Mcquade is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He worked for Northwestern Mutual Investment Management and Northwestern Mutual Life Insurance Company from 1998 to 2020 before joining LPL Financial in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, corporations, and charitable organizations. The firm provides financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing various portfolio management approaches and research resources.

Victor Galvez is an International Wealth Advisor and Portfolio Manager at Merrill Lynch Wealth Management. He holds professional designations including Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). Victor is fluent in Spanish and English and holds a Bachelor's Degree from the University of San Diego. With extensive experience working with ultra high net worth clients, Victor focuses on areas such as college education planning, family wealth management strategies, international wealth management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, tax minimization, and values-based investing including socially responsible and ESG investing. He emphasizes building strong relationships with clients through trust, transparency, and open communication to support their unique financial goals. Victor is involved in several advisory councils and business councils, including serving as 2022 Chair of the International Wealth Advisor (IWA) Advisory Council To Management (ACTM), participation in the Hispanic Latino Advisory Council (HLAC) at Merrill Lynch, and involvement with the Hispanic Latino Business Council (HLBC) in San Diego (BAC). His personal interests include antiquing, biking, boating, golfing, hiking, running, scuba diving, skiing, spending time with his family, and yoga.

Gregg Patenaude is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 designations and has 25 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved with Patenaude Wealth Management, a non-variable insurance business. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of financial planning and advisory programs, supported by model portfolios, third-party research, and technology-driven investment strategies.

Ryan Campbell is a financial advisor at J.P. Morgan Securities with a Series 66 designation and experience in the financial industry since 2018. His prior roles include positions at Wells Fargo Bank, First Republic Bank, JPMorgan Chase Bank, and Gap Inc. Before entering finance, he worked at Hobie Surf Shop for six years. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Madeleine Ennis is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, she held various roles including positions at 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 combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

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 designation and five years of industry experience. She has worked at Bank of America and Merrill since 2020 and previously held roles at Wells Fargo and several educational institutions. Merrill provides managed account services through the Select Portfolio Solutions program, serving a broad client base including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers a range of model-based and discretionary investment strategies integrated within Bank of America's corporate platform.

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 industry experience, currently affiliated with LPL Financial since 2019. He previously spent a decade at Wells Fargo Advisors Financial Network LLC. Morse operates Morse Wealth Management, LLC, an investment-related business based in La Mesa, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting through a national network of investment adviser representatives.

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®-designated financial advisor with 42 years of industry experience, currently affiliated with Osaic Wealth, Inc. He previously worked at Lincoln Financial Advisors Corporation for 11 years. In addition to his advisory role, he operates Nuzzi Financial Network, offering insurance products including accident, health, disability, fixed annuities, and traditional life insurance. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through an extensive network of financial advisers. The firm provides integrated brokerage and advisory services with a variety of investment solutions and utilizes asset-allocation tools and automated rebalancing in portfolio construction.

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.

Austin Tipp is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has four years of industry experience and previously worked at First Republic Securities Company, LLC, and First Republic Investment Management, Inc. Tipp serves as an officer in the U.S. Navy Reserve. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of 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-making authority.

Laura Khorshid is a Private Wealth Manager with Merrill Private Wealth Management. She works with individuals, families, businesses, and philanthropies to provide tailored financial planning and advisory services. Laura collaborates closely with clients and their other advisors to develop customized plans and leverages a team of specialists to enhance the guidance she delivers. Her areas of focus include college education planning, family wealth management strategies, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, and tax minimization. Laura is committed to ongoing learning and regularly seeks client feedback to improve her practice, aiming to clarify investment opportunities and navigate changing market conditions while providing solutions aligned with clients' goals. Laura holds a Bachelor's Degree from the University of Southern California and has earned professional designations as a Certified Exit Planning Advisor (CEPA) and Personal Investment Advisor (PIA). She is fluent in English, Chinese, and Arabic. Outside of her professional work, Laura enjoys antiquing, boxing, football, horseback riding, reading, running, spending time with family, swimming, traveling, and yoga. She is also involved with the Alternative Spring Break (ASB) Death Valley organization.

Edward Gabrielyan is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 credential and possessing two 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 services, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies for clients.