Peter Huffman is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2008. He specializes in comprehensive wealth management with a focus on Behavioral Finance and how financial and investment decisions affect individuals and families. His expertise encompasses family wealth management strategies, philanthropic planning, socially responsible investing, and liquidity management among other areas. Before joining Merrill Lynch, Peter spent five years in Africa and Asia working in managerial roles for the Clinton Health Access Initiative (CHAI), including serving as Country Director for Ethiopia where he managed one of the largest HIV/AIDS care and treatment programs worldwide. He also acted as the principal liaison for official visits by former President William J. Clinton to Africa. Peter is engaged in philanthropy through board service and co-founding a nonprofit focused on youth empowerment and health services in South Africa and Ghana. Peter holds a bachelor's degree in psychology from Willamette University in Salem, Oregon and is a Personal Investment Advisor. He has been recognized as a Top 1200 Financial Advisor by Barron's, a Best in State Wealth Advisor by Forbes, and included in On Wall Street's Top 40 Under 40. Peter lives with his wife and their two children.

Andrew Null is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity Investments since 2013, progressing through various roles including Financial Consultant, Investment Consultant, Investment Solutions Representative, and Service Trader. Throughout his career, Andrew has focused on assisting clients in achieving their financial goals while helping them avoid common pitfalls. He holds a California Insurance License, which supports his work in providing comprehensive financial advice. Andrew is committed to building trust and confidence with his clients as he guides them through their financial planning journeys.

Samuel Bever is a financial advisor with Raymond James & Associates, holding a Series 66 designation and ten years of industry experience. His career includes roles at Merrill, Forge Markets LLC, and Raymond James, where he has worked since 2020. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and consulting with a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Allison Wong is a financial advisor with Merrill in Rancho Santa Fe, CA, holding a Series 66 designation and seven years of industry experience. She has been with Bank of America and Merrill since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Chelsea Newell is a CFP® professional with six years of industry experience, currently an advisor at Osaic Wealth, Inc. She has held roles at several firms, including Woodbury Financial Services and Northwestern Mutual. Outside of financial advising, she is active as a social media influencer, creating content related to lifestyle products and venues. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management across multiple investment types.

Mazen Abifaker is currently serving as a Vice President Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2022. In this capacity, he collaborates with multi-generational families to co-create personalized wealth plans aimed at growing, preserving, and transferring their wealth. Mazen has been with Fidelity Investments since 2010, progressing through various roles including Financial Consultant and Investment Consultant, which has provided him with extensive experience in financial advisory and wealth management. Prior to joining Fidelity, he worked as a Bank Teller at Wells Fargo Bank from 2009 to 2010. He holds a California Insurance License, underlining his professional qualifications in the financial services sector.

William Mc Gowan is a financial advisor with Charles Schwab, holding a Series 66 license and six years of industry experience. His prior work includes roles at P&G, Macy's Inc., and Indiana University before joining Charles Schwab and Co., Inc. and Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering brokerage, custody, and advisory services through its Schwab Wealth Advisory wrap fee program. The firm’s model combines non-discretionary advisory services with access to affiliated discretionary separately managed accounts and uses multi-asset model portfolios supported by extensive research and due diligence.

Kevin McBarron is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and has 41 years of industry experience. He has previously worked with Union Capital Company for 10 years and is currently associated with Wealth Planners, Inc. alongside his role at LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Rene Gonzalez is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has previously worked at Bank of America, N.A. and Lending Club. 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. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, and pension plans.

Carina Porterfield is a financial advisor at Merrill with 23 years of industry experience. She holds Series 63 and Series 66 licenses and previously worked at Morgan Stanley Smith Barney LLC for six years before joining Merrill in 2019. Based in San Diego, CA, she has been with Merrill for seven years. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Ronnie Sanchez is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and 18 years of industry experience. He previously worked at Lucia Securities, LLC and RJL Wealth Management, LLC from 2011 to 2020. Sanchez is also involved with Lucia Capital Group, an investment-related business connected to his LPL activities. LPL Financial serves a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers diversified advisory programs, retirement plan consulting, and brokerage services, with both discretionary and non-discretionary management options supported by in-house and third-party research.

Steven Namvar is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB, and Charles Schwab since 2024. Prior to his current role, he held positions at Mercedes Benz of Escondido and Sales Partnership Inc, among others. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, leveraging a multi-asset model portfolio approach and centralized operational infrastructure.

Linda Hollman is a financial advisor with Merrill based in Carlsbad, CA, holding Series 63 and Series 65 licenses and offering 38 years of industry experience. She has been with Merrill since 1985 and has also worked with Bank of America since 2009. 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. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party teams.

Ekaterina Predeina is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and eight years of industry experience. She has worked at Wells Fargo Clearing and Morgan Stanley, and she is also the sole proprietor of Allure Beauties, a business focused on sales, marketing, and customer service. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in an IPS-driven process and modern portfolio theory. The firm’s offerings include a broad range of investment options, including insurance-related products and bank deposit sweep programs.

Leslee Armstrong is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 24 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Devin Berkowitz is a financial advisor at Charles Schwab with three years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Fidelity Investments, 49 Wealth Management, and Purshe Kaplan Sterling Investments. Outside of finance, he has experience in sports and education, including roles with the Las Vegas Raiders and Boise State University. 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a multi-asset investment approach and extensive operational infrastructure.

Murray Hougen is a financial advisor at LPL Financial with 20 years of industry experience. He holds the CFP® and ChFC® designations, as well as the Series 66 license. Prior to joining LPL Financial in 2019, he spent 11 years with Waddell & Reed and various insurance carriers. Hougen is co-trustee of the Murray & Elizabeth Hougen Family Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Jared Hegardt is a Senior Financial Advisor at Merrill Lynch Wealth Management, joining the Hegardt, Steelman, Carroll & Associates team in 2019. His professional experience includes roles in finance at AEG Facilities, a major owner and operator of sports and music venues, and sales development at OneRent Inc., a Silicon Valley property management startup integrating technology into tenant and landlord experiences. Jared holds a Bachelor's Degree in Finance from Santa Clara University, where he also played Division I soccer, and a Master's Degree in Finance from the University of San Diego. He has earned the Personal Investment Advisor (PIA) designation. A native of San Diego, Jared is involved in his community through volunteer work with Make-a-Wish San Diego. His personal interests include soccer, hiking, and skiing in California.

Gina Wu is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2020. She previously worked at Ameriprise Financial Services, Inc. from 2015 to 2020. Wu holds a real estate license in California. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Steven Finley is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2014. Outside of his advisory role, he is involved in several baseball-related activities, including consulting for the San Diego Padres, teaching at Major League Baseball camps internationally, and broadcasting for Fox Sports San Diego. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm emphasizes a structured financial planning process supported by firm-approved tools and offers both direct and employer-based financial planning solutions.