Hana Jo is a financial advisor at Merrill with four years of industry experience. She holds a Series 66 designation and has worked at Merrill Lynch, Pierce, Fenner & Smith since 2016, as well as Bank of America, N.A. since 2023. Outside of her advisory role, she serves as co-trustee of The J-A Family Trust. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Victoria Horowitz is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in personalized financial planning, tax-efficient wealth strategies, and smart portfolio management tailored to clients' long-term goals and evolving financial landscapes. Her approach is relationship-driven, focusing on understanding each client's individual goals, values, and concerns to build effective financial plans. Victoria holds a Bachelor's Degree from the University of Texas at Dallas and has earned professional designations including Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). She is actively involved in professional and community organizations such as Better Money Habits, the Junior League of San Diego, and has served as President of the Women Exchange San Diego Chapter. Her community involvement extends to organizations like Doors of Change San Diego, Food Bank San Diego, as well as participation in events including the Genesis Invitation Golf Tournament and the Hoag Classic Golf Tournament. Outside of her professional commitments, Victoria enjoys activities such as cooking, hiking, reading, running, spending time with family, swimming, tennis, traveling, writing, and yoga.

John Fieberg Jr. is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Edward Jones since 1998. Outside of his advisory role, he is involved with WaveMaker 360 Health III, an early-stage private health care company. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Gerad Mowrey is a CFP® with 27 years of industry experience, currently affiliated with LPL Financial in La Mesa, CA. He has worked with Summit Financial Group since 2016 and has been associated with LPL Financial since 2000. In addition to his advisory role, Mowrey is involved in tax preparation and accounting through his activities at Summit Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Ramiro Gomez Rincon is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Ramiro earned his High School Diploma/GED from Universidad La Salle.

Mateo Zoroza Larcade is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies that align with clients' goals, values, and life stages. Mateo works closely with individuals on investment management, retirement planning, and navigating unexpected financial events to help clients make informed decisions with confidence. He holds a Bachelor's Degree from Arizona State University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Mateo is fluent in both English and Spanish, facilitating communication with a diverse client base. Mateo's approach centers on understanding each client's unique story, experiences, and aspirations to create tailored financial plans. He welcomes opportunities to connect with clients to learn what matters most to them and assist in building strategies to pursue their financial goals.

Nadeene Itani is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. She has worked at both Merrill and Bank of America since 2012. Outside of her advisory role, she is a co-owner of a rental property with family members. 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 diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Joleen Rose is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2022. Prior to this, she was with LPL Financial, LLC and Northwestern Mutual Investment Services LLC. Outside of advising, she is involved with Triangle Holdings LLC, a property management business in San Diego. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and serves a broad client base with a range of investment programs.

Ryan Kelly is a financial advisor with Fidelity Investments in San Diego, CA, holding Series 63 and Series 66 licenses and having two years of industry experience. Prior to joining Fidelity, he worked in various roles including positions at Lululemon Athletica and several restaurant establishments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its involvement with registered investment companies, the use of systematic methodologies, and its role in constructing model portfolios for Fidelity Institutional Wealth Adviser.

Christian Torres is a Financial Advisor at Merrill Lynch Wealth Management. He holds several professional designations including Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from the California State University System and a Master's Degree from the College for Financial Planning. Christian emphasizes trust as the foundation for building long-term relationships with clients. Outside of his professional work, Christian has interests in boxing, fishing, football, hiking, music, reading, soccer, spending time with his family, traveling, and watching movies.

Brenda Contreras is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 15 years of industry experience. She has been with Wells Fargo firms since 2009, including Wells Fargo Advisors LLC prior to her current role. Outside of her advisory work, she teaches exercise classes at 24 Hour Fitness and produces weekly videos on healthy lifestyle topics such as nutrition, exercise, budgeting, and stress reduction. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is driven by investment policy statements and modern portfolio theory, serving as an ERISA fiduciary and incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Ivan Lopez is a Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since joining the firm in 2022. He specializes in providing advice and guidance to executives, small business owners, and families, focusing on aligning clients' investments with their life goals through personalized planning and risk management strategies. With over 18 years of combined experience in investment, planning, banking, and client relations, Ivan's professional career encompasses work with small start-ups, large businesses, individual planning, trust and estate strategies, and wealth management. He holds the FINRA Series 7, 63, and 65 registrations, as well as the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Ivan completed his education with a High School Diploma/GED from the California State University System and is fluent in both English and Spanish. Born and raised in San Diego, Ivan is involved in community organizations including Baja Bound Ministries, Diocese of San Diego, and the San Diego Food Bank. He has a passion for his faith and spending quality time with his family. Outside of work, his interests include baseball, biking, boxing, football, hiking, reading, soccer, traveling, and watching movies.

Nicholas Remer is a CFP® professional with 10 years of industry experience, currently serving at Cetera since 2019. He previously worked at Foresters Advisory Services LLC and Foresters Financial Services. Outside of his advisory role, he owns and operates Remer Filmmaking and serves as president of the Canyonview Homeowners Association board. Cetera Investment Advisers LLC is an SEC-registered firm offering a range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm supports a multi-manager platform with various program structures and serves over 800,000 clients through more than 10,000 advisors.

Roberto Vasquez is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2014, also working with JPMorgan Chase Bank since 2008. 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 large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis supported by a centralized due-diligence framework.

Phillip Wendt is a CFP®-certified financial advisor with Wells Fargo Clearing, based in San Diego, CA, and has six years of industry experience. He has worked at various Wells Fargo entities since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice with an IPS-driven approach grounded in modern portfolio theory. The firm includes a broader range of financial products than many peers, such as insurance-related vehicles and bank deposit sweep options.

Shelby Lewis is a financial advisor with Cetera, holding a Series 66 designation and 10 years of industry experience. Lewis has worked at multiple Cetera entities since 2020 and previously at First Allied Securities and Pacific Wealth Strategies Group. Outside of advisory work, Lewis holds a part-time real estate license. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, employer-sponsored retirement, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options, including model portfolios, third-party managers, and bespoke strategies.

Dorian Grady is a financial advisor at UBS Financial Services with 15 years of industry experience. He has held positions at Diversify Advisory Services, DFPG Investments, Nationwide Investment Services Corp, and TD AMERITRADE. He holds the Series 66 designation and is based in San Diego, CA. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

James Shea is a financial advisor at UBS Financial Services with 41 years of industry experience. He has been with UBS since 2010 and holds a Series 63 designation. Based in San Diego, CA, Mr. Shea's career includes extensive work in financial advisory roles. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor solutions for its clients.

Michael Cox is a CFP® with 11 years of industry experience, currently serving at RBC Capital Markets since 2023. Prior to this, he worked at First Republic Securities Company and First Republic Investment Management from 2016 to 2023. Outside of finance, he operates Cyan Cowboy Co., where he is the sole dance instructor. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers a range of wrap fee advisory programs with customized portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Angeli Forster is a financial advisor at Osaic with 42 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Osaic since 2023, previously serving at SagePoint Financial and National Planning Corporation. Forster manages rental properties as a business activity outside of her advisory work. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs tools such as asset-allocation models and automated rebalancing to construct diversified portfolios and provides access to third-party managers and managed-account solutions.