Daniel Castro is a financial advisor with Merrill in Chula Vista, CA, holding Series 63 and Series 66 licenses and six years of industry experience. His work history includes positions at Bank of America, PNC, BBVA Securities, and Wells Fargo. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Gail Ropson Buechler is a financial advisor at UBS Financial Services with 18 years of industry experience. She has been with UBS since 2011 and holds Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, including financial planning, portfolio management, and access to mutual funds and alternative products. The firm integrates institutional trading capabilities with wealth management services, supported by proprietary research and a broad array of financial solutions.

Ashley Gonzalez is a financial advisor at Edward Jones with 10 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients and overseeing approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee options, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Todd Newell is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 10 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and previously at Morgan Stanley and Morgan Stanley Private Bank, National Association from 2015 to 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary options. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Molly Miller is a financial advisor at LPL Financial with 43 years of industry experience. She holds Series 63 and Series 66 credentials and has worked at several firms, including D.A. Davidson & Co., Crowell, Weedon & Co., Wells Fargo Clearing, and A. G. Edwards & Sons, Inc. Miller maintains an outside business entity, MJM Financial, for tax and investment purposes. 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 portfolios, third-party asset management, and institutional platforms.

David Harris is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has worked with UBS since 2011. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and leveraging proprietary research and model-based asset allocations to tailor financial plans.

Irene Albon is a financial advisor at Cetera with 12 years of industry experience. She holds a Series 65 credential and has worked at several firms including LPL Financial for 16 years and First Allied Advisory Services. She is based in San Diego, CA. Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services, utilizing multiple program structures and a multi-manager platform.

Bayley Thomas is a financial advisor at UBS Financial Services with four years of industry experience. He holds a Series 66 designation and has worked at UBS, Thrivent Financial, and Thrivent Investment Management since 2021. Prior to his advisory roles, he was involved with Hardwood Society and the Sawdust Festival. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing model-based asset allocations and proprietary research to tailor solutions. The firm combines institutional trading capabilities with wealth management services, including fee-based financial planning and discretionary portfolio management.

Fred Berry is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 1995, he has worked with high net-worth clients to address their complex financial needs, specializing in portfolio construction and retirement income planning. Fred's approach emphasizes a personalized strategy designed to help clients pursue their long-term goals through a comprehensive understanding of their full financial picture. With over 30 years of industry experience, Fred provides tailored wealth management strategies focused on portfolio development, liability management, tax minimization, and asset preservation. His expertise encompasses areas such as college education planning, divorce transition planning, family wealth management, defined benefit plan services, personal retirement planning, portfolio management, special needs planning, women and wealth, tax minimization, and retirement income. Fred holds the Professional Investment Advisor (PIA) designation. Fred earned his bachelor's degree in Economics with an emphasis in International Finance from the University of California, Santa Barbara. He lives in Encinitas, California with his wife and two daughters. Outside of work, he enjoys golfing, skiing, and spending time with his family. He is actively involved in his community through volunteer work.

Walter D'Souza is a financial advisor at OSAIC with 25 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at firms including Manning Wealth Management, Commonwealth Financial Network, and Mutual of America Securities Corporation. He occasionally provides annuities and life insurance to clients upon request but does not solicit this business. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisors and offers integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs asset-allocation tools and automated portfolio management strategies across various investment types and supports both discretionary and non-discretionary account management.

Darren J Lederfine is a Series 66-credentialed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2007. He has 29 years of industry experience. Outside of his advisory role, he manages intellectual property for Continuum IP Holdings LLC, a company involved in securing provisional patent protection for an invention. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including portfolio management and financial planning. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets and investment solutions.

Matthew Hillman 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, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning services.

Bret Cleveland is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that include planning through its Financial Advisors and Estate Planning Strategies Group.

Kelly Egan-Thorpe is a Financial Consultant at Fidelity, where she collaborates with clients to develop financial plans tailored to their individual needs and goals. She utilizes Fidelity's resources to educate clients, enabling them to make informed financial decisions that align with their personal plans. Kelly aims to ensure that clients feel confident and comfortable with their financial strategies. Her professional experience includes serving as a Financial Consultant at Fidelity since 2025, previously working as an Investment Consultant at Fidelity Investments from 2023 to 2025, and as a Financial Advisor at Edward Jones from 2021 to 2023. She holds a California Insurance License. Outside of her professional work, Kelly has interests in beach activities, camping, food, music, pets, and soccer.

Drue Cicchetto is a financial advisor at Fisher Investments with 13 years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2011. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized investment process combining quantitative screening and qualitative research to construct diversified portfolios and uses various risk management strategies including tax-aware processes and defensive tactics.

Kevin Lee is a CFP® with seven years of industry experience and has been with Edward Jones since 2018. Prior to joining Edward Jones, he worked at Grassroots Outdoor Alliance and had a brief period of unemployment in 2018. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a large network of financial advisors and branch offices across the country.

Carlos Robert Guadalajara is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2010. He has 18 years of industry experience. He served on the board of the International Wine & Food Society of London Tijuana Chapter from 2014 to 2017. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings. The firm uses proprietary capital market assumptions and research to tailor portfolio management and financial planning services and combines institutional trading capabilities with wealth management.

Michael Legacy is a financial advisor at Thrivent Investment Management with 13 years of industry experience. He holds the Series 66 designation and has previously worked with Commonwealth Financial Network. Outside of advising, he serves as Vice President of Business Development at Legacy Realty in San Diego. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm focuses on holistic, goal-based financial planning without discretionary trading authority, and offers clients the option to combine planning with managed-account services under its WealthPlan program.

Nicholas Hillman is a financial advisor at LPL Financial with 22 years of industry experience. He holds the Series 66 designation and has been with LPL Financial since 2016. Prior to that, he worked at Securian Financial Services, Inc. from 2004 to 2006. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Sarah Martin is a financial advisor at Fidelity with 17 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Fidelity Investments in multiple roles since 2008, including her current position since 2021. Her prior experience also includes tenure at Charles Schwab and Independent Financial Group. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm employs a process combining fundamental research with quantitative analysis and algorithmic portfolio construction, serving a broad client base including registered investment companies and a Charitable Gift Fund.