Daniel Fuentes is a Series 66-registered financial advisor with Charles Schwab, based in San Diego, CA, and has two years of industry experience. His prior work includes roles at Mutual of Omaha and Pacific Home Care, as well as five years in full-time education. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios backed by research from the Schwab Center for Financial Research.

David Jones is a Series 66 licensed financial advisor at Edward Jones with 10 years of industry experience. He has been with Edward Jones since 2015, working in El Cajon, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Steven Simmons is a financial advisor with Osaic Wealth, Inc. in San Diego, CA. He holds Series 63 and Series 65 credentials and has 29 years of industry experience. Prior to joining Osaic in 2023, he worked at AIG Financial Advisors for 21 years. His outside activities include providing estate planning services and mortgage origination loans. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with a focus on asset allocation tools, risk assessment, and a broad range of investment options across multiple platforms.

Fernando Vivanco is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked with both Merrill and Bank of America since 2011. Outside of his advisory role, Vivanco pursues music production as a hobby, where he is a producer, songwriter, and singer, sharing his work on platforms like YouTube and Spotify. 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 plans, and corporate fiduciaries.

Vicente Cesar Gonzalez is a financial advisor at Primerica Advisors with Series 65 and Series 63 credentials and one year of industry experience. Prior to joining Primerica, he worked at GA-ASI and has been self-employed in the past. Outside of his advisory work, he is the owner of StarryBell, LLC, a non-investment related business based in San Diego, CA. Primerica Advisors sponsors a wrap-fee asset management program that primarily serves individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm employs model-driven investment strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Jeramy Larson is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets starting in 2006. Outside of his financial career, he co-owns a photography business with his spouse. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering a range of retail and institutional investment services.

Mary Hoffman is a financial advisor at Edward Jones with eight years of industry experience. She has been with Edward Jones since 2017 and previously worked at Vistage Worldwide. Mary holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs with a fiduciary standard and manages approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.

Cesar Fierro is a financial advisor with Charles Schwab who holds Series 63 and Series 66 credentials and has eight years of industry experience. His prior experience includes roles at TD Ameritrade, Independent Financial Group, and Wells Fargo Clearing. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by due diligence from Schwab Center for Financial Research.

Joseph Irace is a Financial Consultant at Fidelity Investments, where he partners with individuals and families to provide holistic financial planning. His approach focuses on aligning financial strategies with clients' personal goals, utilizing Fidelity's platform and resources to support wealth building and protection. Joseph has held several roles within Fidelity Investments, including Investment Consultant and Central Relationship Manager, before becoming a Financial Consultant in 2025. His prior experience includes positions at Cetera Financial Group, CION Investments, PGIM Investments, and Merrill Edge, giving him a broad perspective on financial services and investment solutions. He holds a California Insurance License. Outside of work, Joseph enjoys fitness, social events with friends, hiking, music, spending time with pets, and reading.

Troy Pangelinan is a CFP® professional with two years of industry experience, currently affiliated with Osaic. He previously worked at San Diego Wealth and F.A.I.T.H. Driven Planning and served six years in the United States Air Force. His background also includes a role with DNA Clothing. Osaic Wealth, Inc. serves a diverse client base that includes individual investors, institutional clients, and charitable organizations through a large network of financial advisors. The firm offers integrated brokerage and advisory services, employing various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types.

Alejandro Mendoza is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following five years with Wells Fargo Clearing and one year with Wells Fargo Advisors, LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by firm-approved tools and modeling techniques.

Ward Gorham is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Morgan Stanley for 11 years before joining Wells Fargo Clearing in 2024. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Max Hangartner is a Series 66 credentialed financial advisor with LPL Financial in San Diego, CA. He has 23 years of industry experience and has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, and a range of portfolio management services supported by both proprietary research and third-party subadvisors.

Ivette Moguel is a financial advisor at Morgan Stanley in San Diego, CA, with 19 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Merrill Lynch for 14 years prior to joining Morgan Stanley in 2024. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process that employs firm-approved tools and market modeling techniques.

Kevin Donnelly is a CFP®-designated financial advisor with J.P. Morgan Securities, based in San Diego, CA. He has 18 years of industry experience, including 14 years at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Delawar Roashan is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at Equitable Advisors since 2020 and previously at Cuso Financial Services, LP from 2015 to 2020. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage/insurance channels to tailor client services based on documented goals, risk tolerance, and time horizon.

Lin Murphy is a financial advisor at Morgan Stanley with six years of industry experience. Prior to joining Morgan Stanley in 2023, Murphy held roles at Bank of America and Merrill. Murphy holds a Series 66 designation and is based in San Diego, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its advisory process.

Eric Johnson is a financial advisor at OSAIC with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at LPL Financial, Trilogy Capital, Inc., and National Planning Corporation. Johnson serves as a trustee for the John & LeeAnn Johnson Family Trust. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers through a large network of affiliated advisers and multiple advisory platforms.

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.