Brian Sherwood is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and over 20 years of industry experience. He has been with Primerica Advisors since 2006 and has additional work experience at Mercury Defense Systems. Outside of investment advising, he is involved in sales of home security and automation products as well as loan product referrals through affiliated companies. Primerica Advisors primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm offers a wrap-fee asset management program that uses model-delivery strategies and discretionary separately managed accounts supported by third-party managers and custodians.

Ryan Franco is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc., as well as brief positions outside finance at a restaurant and a health services agency. 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, offering a combination of non-discretionary and discretionary investment options with centralized custody and operational support.

Ronald Appling is a financial advisor at Fidelity with 22 years of industry experience. He holds Series 63 and Series 66 designations and has been with Fidelity Investments in various capacities since 2008. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm offers services including discretionary portfolio management and fund advisory, with a noted use of algorithmic methods and AI in its investment process.

Ann Barlow is a CFP® with 14 years of industry experience, currently affiliated with J.P. Morgan Securities in San Diego, CA. She has held roles at JPMorgan Chase Bank, N.A., Avantax Investment Services, Inc., HD Vest Investment Services, and other financial firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research methods.

Andrea Wright is a financial advisor at Morgan Stanley with 20 years of industry experience. She has worked with Morgan Stanley Smith Barney LLC since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients. The firm’s financial planning process uses structured discovery conversations and firm-approved planning tools, serving clients with tailored financial planning and various investment services.

Jeffrey Won is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Morgan Stanley entities since 2009, including the Private Bank since 2015. Outside of his advisory work, he owns rental properties. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both retail and institutional investment services.

Veronica Borders is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 designations and has been with Merrill since 2004, following a brief tenure at Bank of America N.A. She is based in San Diego, CA. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies constructed by internal and third-party managers.

Sandra Fitchjian is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 37 years of industry experience. She has been with Merrill since 1980, totaling 46 years at the firm. 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, pension and profit-sharing plans, corporations, and charitable organizations using a combination of model-based and discretionary investment strategies.

David Tam is a financial advisor at Raymond James Financial with 23 years of industry experience. He previously worked for Edward Jones for 22 years before joining Raymond James in 2025. Tam serves as president of TWMSD LLC, a support company for Tam Wealth Management in San Diego. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers non-discretionary, tailored planning and consulting using risk profiling and analytical tools, supporting clients through various advisory programs.

Richard Ward is a Certified Financial Planner (CFP®) with 19 years of experience, all spent at Edward Jones since 2007. He serves as an independent board member of Cask NX, LLC in San Diego. Edward Jones is a full-service wealth management firm that serves both individual and institutional clients with a range of investment advisory programs, managing over $1 trillion in assets through a nationwide network of financial advisors.

Adam Sinkoff is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management (MSWM) is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Robert Molinari is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has previously worked at Commonwealth Financial Network and Tower Square Securities, Inc. Outside of his advisory role, he serves as an advisor to OmniClient, Inc., a consulting firm in Poway, CA. 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 financial planning and investment programs delivered through a large network of advisers using various strategies including model portfolios and third-party management.

Isaac Hansen is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. His prior work includes roles at LPL Financial, Trilogy Capital, Trilogy Financial Services, and National Planning Corporation. He serves as a board member of the Western Pension & Benefits Council, focusing on pension education. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and multiple platforms.

Amer Mistry is a Certified Financial Planner (CFP®) with 21 years of industry experience, currently serving as an advisor at Edward Jones since 2006. He is based in San Diego, CA. Outside of his advisory role, Mistry serves on the finance subcommittee of Mama's Kitchen, a nonprofit organization in San Diego. Edward Jones is a full-service wealth management firm that serves individual and institutional clients with a broad range of advisory programs and investment options. The firm is noted for its extensive network of advisors and branch offices, as well as its affiliated capabilities including a trust company and proprietary mutual funds.

Huy La is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and nine years of industry experience. He has been with Merrill and Bank of America since 2017. Outside of advising, he is the sole owner of a rental property business. 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 offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Licari is an International Wealth Advisor with Merrill Lynch Wealth Management. He provides a comprehensive approach to managing wealth, focusing on listening to clients' needs to develop strategies aligned with their financial goals. He offers access to investment insights from Merrill and banking services from Bank of America to address various aspects of clients' financial lives. Michael Licari has over 36 years of experience in the financial industry. He began his career in 1983 with Shearson Lehman/American Express in New York. In 1985, he moved to San Diego to join Merrill and has been part of the Merrill International group since 1987. He works with clients across the U.S. and internationally, focusing on areas including International Wealth Management, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Individual and Corporate Investment Strategy, and Retirement Income. He holds a Bachelor's Degree from Syracuse University, where he majored in Finance and Law and Public Policy. Michael Licari has earned several professional designations, including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). His personal interests include biking, camping, fishing, gardening, hiking, hunting, scuba diving, skiing, surfing, and writing.

Amanda Mcnellis Leptich is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and with 27 years of industry experience. She has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following 13 years at Citigroup Global Markets. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through a combination of direct client engagement and Corporate Financial Planning agreements.

Kristin Gang is a financial advisor with Cetera, holding a Series 66 designation and 22 years of industry experience. She has worked at several Cetera entities since 2015 and was previously with First Allied Securities, Inc. and Avantax Investment Services Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options and program structures, managing over $256 billion in assets.

Jimmy Lopez is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. He has been with Cetera and its related entities since 2019 and has prior experience with Foresters Financial Services dating back to 2015. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party managers.

Ia Phan Jones is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. Prior to joining Cetera in 2020, Jones worked at Wells Fargo Clearing, Merrill, and Morgan Stanley. Outside of advising, Jones is involved with the PTA at Hearst Elementary School. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes both affiliated and third-party investment models.