Jeffrey Hoehner is a financial advisor with Cetera, holding the Series 66 designation and bringing 20 years of industry experience. He has worked at Cetera and its related entities since 2020 and previously spent seven years at WBB Securities. Outside of advising, he is also involved in the sale of fixed insurance products, including life and annuities. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporations, and institutional accounts. The firm offers multi-manager investment platforms with discretionary and non-discretionary portfolio management, financial planning, and access to affiliated and third-party money managers across various program structures.

Lawrence Potomac is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked with LPL Financial since 2009 and previously spent 14 years at Financial Insight Corporation. 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, third-party asset management, and institutional platforms.

Danielle Stanton is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 65 credentials and bringing 32 years of industry experience. She has been with LPL Financial and its predecessor firms since 1999. Outside of her advisory work, Stanton is involved in direct sales of jewelry through Plunder Designs and serves as a representative for Blossom Valley Residential Care. LPL Financial is a national broker‑dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive technology and operational resources.

Philip Bresnick is a financial advisor at Morgan Stanley with 42 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 1983, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a financial planning process that uses structured discovery conversations and firm-approved tools.

Scott Kramling is a financial advisor with Ameriprise Financial Services, holding a Series 66 credential and 16 years of industry experience. His prior roles include positions at Merrill, Morgan Stanley, Bank of America, and the American Red Cross. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service focusing on retirement-income planning through a centralized team that collaborates with advisors and clients using detailed analysis and tax-aware strategies.

Amanda Haack is a Series 66 licensed financial advisor with Merrill in San Diego, CA, bringing 17 years of industry experience. She has been with Merrill and Bank of America since 2016. 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, and various institutional entities using model-based and discretionary investment strategies developed by internal and third-party managers.

Eric Volinsky is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 28 years of industry experience. Prior to joining Charles Schwab in 2022, he worked at TD Ameritrade from 2010 to 2022. Outside of his advisory role, he owns a rental property in San Diego. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, combining a scaled, integrated operational model with multi-asset portfolio management and alternative investment options.

Juan Cabanas serves as the Senior Resident Director and International Wealth Advisor at Merrill Lynch Wealth Management's San Diego international office. He has over 28 years of experience in wealth management, specializing in family wealth management, international wealth management, liquidity management, managing new wealth, personal retirement planning, and portfolio management services. Juan holds the title of Managing Director, the highest designation a financial advisor can achieve at Merrill Lynch. Juan began his career in 1995 at PaineWebber and has since worked with Citi-Smith Barney, UBS, and Merrill Lynch Wealth Management since 2010. He holds FINRA Registrations 7, 9, 10, and 66, and the Personal Investment Advisor (PIA) designation. Juan earned both his bachelor's and master's degrees in International Business from the University of San Diego. Fluent in Spanish and English, Juan balances his professional expertise with personal interests such as biking, boating, music, running marathons, scuba diving, skiing, soccer, swimming, and traveling. He is married and a father of three grown children.

Ian Friend is a financial advisor at Morgan Stanley in La Jolla, CA, holding a Series 66 designation with four years of industry experience. His prior work includes roles at Merrill and CLOVER SONOMA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs. The firm emphasizes structured financial planning supported by firm-approved tools and a broad array of investment and product offerings.

John Lowe is a financial advisor at Morgan Stanley with one year of industry experience. He holds the Series 66 designation and has previous experience including roles at Northwestern Mutual and various positions associated with the University of Arizona. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Jane Fitzpatrick is a Series 66 credentialed financial advisor with Morgan Stanley, based in San Diego, CA. She has 44 years of industry experience and has been with Morgan Stanley Smith Barney LLC since 2009, working at Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools that incorporate market estimates and modeling techniques.

Mary Dorsey Evans is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 credential and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Jolene Weston is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 license with 16 years of industry experience. She has been with Morgan Stanley since 2010. Outside of her advisory role, she serves as a board member for the Solara Lofts Homeowners Association, where she helps oversee community operations and budget management. Morgan Stanley Wealth Management provides investment advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process employs structured discovery and firm-approved tools, supporting a broad range of retail and institutional clients.

Coley Davis III is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Securities America Advisors, Cooper McManus, and VOYA Financial Advisors. Outside of his advisory role, he serves as president of CB Financial Ins Services Inc., where he is involved in fixed insurance sales and retirement planning. OSAIC serves a diverse client base including individual and high-net-worth investors, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, using asset-allocation tools and risk assessments to construct portfolios that may include a range of investment types, with management options tailored to client preferences.

Christine Dellacato is a financial advisor with Cetera in La Mesa, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. Her work history includes roles at Cetera Wealth Services, Summit Financial Group, and Iron Blue, LLC. She serves on the board of management for the East County Family Y. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with discretionary and non-discretionary program options.

David Winter is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding a Series 66 designation and 10 years of industry experience. He has worked with JPMorgan Securities since 2017 and previously spent a year at Ameriprise Financial Services. Outside of finance, he is a self-employed musician and instructor with Blue Fever, a role he has maintained since 2009. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a quantitative asset-allocation approach combined with centralized due diligence and an ESG eligibility framework.

Adam Talman is a financial advisor with Edward Jones in San Diego, CA. He holds the Series 66 designation and has been with Edward Jones since 2026. Prior to joining Edward Jones, he worked at Paychex and held various positions across multiple industries. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory strategies, alongside affiliated mutual funds and tax-efficient services.

James Kwei is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. He is based in La Jolla, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning services that incorporate firm-approved tools and methodologies to model potential outcomes.

Julie Reid is a financial advisor with Edward Jones in San Diego, CA, holding CFP® and ChFC® designations as well as the Series 66 license. She has seven years of industry experience, including roles at Bird Rides Inc and the American Lung Association before joining Edward Jones in 2019. Outside of her advisory work, she is a co-owner of a property rental LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management and a network of approximately 23,701 advisors. The firm offers a range of advisory programs, including wrap fee strategies and separately managed accounts, and operates under a fiduciary standard.

Jose Cetale is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Morgan Stanley since 2021, with prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and proprietary tools, supporting clients in developing and implementing financial plans.