Ian Friend is a financial advisor at Morgan Stanley in La Jolla, CA, holding a Series 66 designation with four years of industry experience. His prior work includes roles at Merrill and CLOVER SONOMA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs. The firm emphasizes structured financial planning supported by firm-approved tools and a broad array of investment and product offerings.

John Lowe is a financial advisor at Morgan Stanley with one year of industry experience. He holds the Series 66 designation and has previous experience including roles at Northwestern Mutual and various positions associated with the University of Arizona. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Jane Fitzpatrick is a Series 66 credentialed financial advisor with Morgan Stanley, based in San Diego, CA. She has 44 years of industry experience and has been with Morgan Stanley Smith Barney LLC since 2009, working at Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools that incorporate market estimates and modeling techniques.

Mary Dorsey Evans is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 credential and has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Jolene Weston is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 license with 16 years of industry experience. She has been with Morgan Stanley since 2010. Outside of her advisory role, she serves as a board member for the Solara Lofts Homeowners Association, where she helps oversee community operations and budget management. Morgan Stanley Wealth Management provides investment advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process employs structured discovery and firm-approved tools, supporting a broad range of retail and institutional clients.

Coley Davis III is a financial advisor at OSAIC with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Securities America Advisors, Securities America, Inc., and Cooper McManus. Outside of his advisory role, he serves as President of CB Financial Ins Services Inc., which provides fixed insurance sales and investment-related retirement planning services. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services along with access to third-party money managers and managed account solutions. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that include a variety of asset classes, managing accounts on both discretionary and non-discretionary bases.

Christine Dellacato is a financial advisor with Cetera in La Mesa, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. Her work history includes roles at Cetera Wealth Services, Summit Financial Group, and Iron Blue, LLC. She serves on the board of management for the East County Family Y. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with discretionary and non-discretionary program options.

David Winter is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and nine years of industry experience. He has worked at J.P. Morgan Securities since 2017 and previously at Ameriprise Financial Services. Outside of his advisory role, Winter is a self-employed musician and instructor with Blue Fever, a position he has held since 2009. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Adam Talman is a financial advisor with Edward Jones in San Diego, CA. He holds the Series 66 designation and has been with Edward Jones since 2026. Prior to joining Edward Jones, he worked at Paychex and held various positions across multiple industries. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory strategies, alongside affiliated mutual funds and tax-efficient services.

James Kwei is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. He is based in La Jolla, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning services that incorporate firm-approved tools and methodologies to model potential outcomes.

Julie Reid is a financial advisor with Edward Jones in San Diego, CA, holding CFP® and ChFC® designations as well as the Series 66 license. She has seven years of industry experience, including roles at Bird Rides Inc and the American Lung Association before joining Edward Jones in 2019. Outside of her advisory work, she is a co-owner of a property rental LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management and a network of approximately 23,701 advisors. The firm offers a range of advisory programs, including wrap fee strategies and separately managed accounts, and operates under a fiduciary standard.

Jose Cetale is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. He has worked at Morgan Stanley since 2021, with prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and tailored financial planning, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and proprietary tools, supporting clients in developing and implementing financial plans.

Nadin Toma is a financial advisor with J.P. Morgan Securities, holding Series 66 and Series 63 credentials and bringing 12 years of industry experience. She has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2013. Outside of finance, she is involved in a family-owned jewelry business, contributing to customer service and social media. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, delivering customized asset-allocation advice and manager searches through a structured, non-discretionary process that incorporates ESG criteria.

Ray Garnica is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 licenses and having 19 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and has been with Morgan Stanley Smith Barney since 2010. Outside of his advisory role, he manages a rental property as a sole proprietor. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm delivers tailored financial planning and manages approximately $2.74 trillion in client assets, employing structured planning tools and a comprehensive investment approach.

David Harrison is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he holds power of attorney for his spouse, involving limited time during trading hours. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options such as insurance-related vehicles and bank deposit sweep programs.

Guillermo Espinoza is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His career includes roles at LPL Financial and Independent Financial Group, LLC prior to joining Cetera Investment Advisers in 2025. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with discretionary and non-discretionary program options.

Shari Miller is a financial advisor with LPL Financial, holding a Series 63 designation and 38 years of industry experience. She has been with LPL Financial since 1992. Outside of her advisory work, Miller is involved with Sun Marine Holdings, a privately held business entity. 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 provides a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL Research and third-party subadvisors.

James Grandinetti is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 25 years of industry experience. He worked for Gurtin Fixed Income Management, LLC for 14 years before joining Cetera and its affiliated entities in 2022. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, 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 both affiliated and third-party managers across various program structures.

Colton Chapin is a financial advisor with Charles Schwab, holding a Series 66 designation and four years of industry experience. He has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc., and previously held positions at Blue Eagle Roofing and in academic roles at the University of Arkansas and the University of Central Arkansas. Outside of his advisory work, Chapin is involved in horse rehabilitation, focusing on recovering retired racehorses and finding them new homes. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account services. The firm offers both non-discretionary and discretionary investment options, utilizing multi-asset model portfolios and providing centralized custody and operational support.

Tristan Macelli is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 designation. He joined Morgan Stanley in 2026 and has prior work experience across technology and industrial sectors, including roles at Saama Technologies, Icon Technologies, and Taurex Drill Bits. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services that encompass both direct individual plans and corporate financial planning agreements.