Christopher Hagopian is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 66 licenses and 27 years of industry experience. He previously worked at UBS Financial Services Inc. from 2010 to 2017 and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. He serves as a trustee for a trust based in Mill Valley, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and Monte Carlo simulations to model potential outcomes.

Dean Ridgway is a Wealth Management Advisor at Merrill Lynch Wealth Management. He formed The McPherson Ridgway Group in 2007 and has been serving clients in wealth management since 2005. Dean's practice focuses on areas including education planning, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. His team is committed to helping clients lead worry-free retirements. Dean earned a Bachelor of Science Degree in Civil Engineering from Virginia Polytechnic Institute and State University in 1994. Following his education, he served as an officer and helicopter pilot in the United States Marine Corps for 10 years before retiring from the U.S. Marine Corps Reserve as a Lieutenant Colonel in 2016. He holds the CERTIFIED FINANCIAL PLANNER (CFP) certification, the Chartered Retirement Planning Counselor (CRPC), and the Personal Investment Advisor (PIA) designations. Dean resides in Scripps Ranch with his wife, Catherine, and their three children. Outside of his professional responsibilities, he enjoys camping, surfing, mountain biking, biking, skiing, softball, and spending time with his family. He is also affiliated with professional organizations including Beta Theta Pi Fraternity, Alpha Phi Chapter, Scripps Ranch Old Pros, and the United States Marine Corps (Retired).

Steven Douek is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Morgan Stanley and its Private Bank division for 10 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Maria Piechocki is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. She has worked at LPL Financial since 2022 and previously spent over a decade with The Advisory Group and FSC Securities Corporation. Maria also has a long-standing affiliation with Gregory P. Schill dating back to 2005. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management services supported by extensive advisor resources and platforms.

Juliet Hussey is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. Her work history includes roles at Merrill, Bank of America, N.A., and Merrill Lynch, as well as positions outside the industry such as at the University of Arizona and Smoke on the Water. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Daniel Elizondo is a financial advisor at Fidelity with 19 years of industry experience. He holds Series 63 and Series 66 designations and has worked within various Fidelity entities since 2007. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs, with oversight of sub-advisers and attention to conflicts of interest.

Brian Suttle is a financial advisor with LPL Financial, holding a Series 66 designation and seven years of industry experience. He previously worked at Edward Jones for six years and LEDVANCE for three years. Outside of his advisory role, he is involved as a borrower for Thormalhen Holding Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies.

Terence Tunnell is a CFP® and holds a Series 66 license with 16 years of industry experience. He is currently with LPL Financial and has worked at JM Financial Strategies and Commonwealth Financial Network. Outside of advisory work, he has been involved with Pizza Systems Inc. for over three decades and provides tax preparation and bookkeeping services through JM Financial Strategies. 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, supporting its advisors with research tools and a broad suite of financial products.

Robert Coronel is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2011, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

William Stern is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Stern is involved as an advisory director in FM JAM and has a holding company named Chateau Rum Row. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, utilizing structured financial planning tools and serving clients through both direct and corporate financial planning agreements.

Karen Purvis is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 designations and 29 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she serves as Secretary on the Board of Directors for the PLHS Golf Boosters. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides detailed recommendation reports and ongoing advice focused on income sources and tax-efficient withdrawal strategies.

Angelic Lemay is a Series 66-licensed financial advisor with 14 years of industry experience, currently affiliated with LPL Financial in San Diego, CA. Her prior work includes roles at Commonwealth Financial Network, Fidelity, Merrill, and Edward Jones. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and operational tools.

Erica Del Rosario is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at multiple firms including LPL Financial, Ameriprise Financial, and Northwestern Mutual Wealth Management Company. Outside of her advisory role, she serves as a notary public for clients. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutions, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools to model outcomes, while clients remain responsible for implementing and updating their plans.

Michael Bernier is a CFP® professional with 21 years of industry experience. He is currently with LPL Financial, having joined in 2024, and previously worked at Canter Wealth, Pure Financial Advisors, Inc., and Financial Designs LTD. He holds Series 63 and Series 66 licenses. 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 provides a range of financial planning and investment services through a large network of advisers and offers both discretionary and non-discretionary portfolio management with access to multiple investment strategies and institutional platforms.

Joshua Camargo is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals and families to develop personalized wealth management, retirement planning, investment guidance, and legacy planning strategies tailored to their unique needs. Joshua holds a Bachelor's Degree from San Diego State University and has earned the Personal Investment Advisor (PIA) designation. His approach centers on understanding clients' goals and priorities, simplifying complex financial concepts, and providing ongoing advice to adapt portfolios as clients' situations change. In addition to his professional work, Joshua is involved with the San Diego Food Bank.

Martha Alonso Hara is a financial advisor at UBS Financial Services with 25 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at UBS and its affiliates since 2006, following three years at Banc of America Investment Services. Based in San Diego, CA, she has been with UBS Financial Services since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Raymond Dexter is a financial advisor with LPL Financial in La Mesa, CA, holding a Series 63 license and bringing 41 years of industry experience. He has been with LPL Financial since 1990. Outside of advising, he is involved in a business partnership owning an office building shared with a non-client partner. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, delivering advice through a large network of investment adviser representatives using a range of customizable strategies.

Adam Arthur is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he worked at Cetera and has experience in various roles including education and entrepreneurial ventures. Outside of finance, he has participated in several businesses such as TalentLink dba RemoteLink Solutions and Blue Ocean Harumama. Morgan Stanley Wealth Management provides investment advisory and brokerage services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm offers tailored financial planning supported by structured discovery processes and firm-approved tools, serving a wide range of clients through both direct and corporate financial planning agreements.

Jack Conway is a financial advisor at Charles Schwab in La Jolla, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Schwab, he held roles outside the financial industry, including positions at Alex Madonna Gold Rush Steakhouse and Bobby Valentine's Sports Academy. Charles Schwab 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 a mix of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational resources.

Cynthia Penner is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She previously worked at UBS Financial Services from 2007 to 2019 and has been with RBC Capital Markets and City National Bank since 2019. RBC Wealth Management serves a diverse client base that includes individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management and financial planning services, utilizing both in-house and third-party investment managers.