Matthew Henry is a financial advisor at OSAIC with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Sagepoint Financial, Inc. and operates Independent Capital Management. Henry serves on the board of directors for Water 4 Life Global, a nonprofit organization providing clean water to at-risk communities. OSAIC Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers a range of brokerage and advisory services, employing asset-allocation tools and third-party solutions to manage portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Cesar Padilla is a CFP®-certified financial advisor with Edward Jones, based in Chula Vista, CA, and has 31 years of industry experience. He has been with Edward Jones since 1995. Outside of his advisory role, he serves as a board member of the Kiwanis Club of Chula Vista. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs and investment solutions, managing over $1 trillion in assets through a large network of financial advisors and branch offices nationwide.

Douglas Cochran is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA) and has a Bachelor's Degree from San Diego State University. He has more than three decades of experience in the financial industry, having started his career in 1992 as a Fixed Income Specialist at ML Stern & Company. He has held various leadership roles, including Vice President at ML Stern & Company and First Vice President at Smith Barney. At Morgan Stanley, he was promoted to Senior Vice President and later Executive Director. Currently, Douglas serves a range of clients including individuals, high-net-worth families, charitable organizations, and business clients. His expertise includes portfolio management, retirement and wealth strategies, pension consulting, and conducting educational seminars.

John Eyer is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 credential and 11 years of industry experience. His prior experience includes roles at TD Ameritrade, Bank of America, and Merrill. 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 related 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 supported by centralized supervision and custody arrangements.

Glenn Morey is a financial advisor with LPL Financial in La Mesa, CA, holding a Series 63 designation and bringing 43 years of industry experience. He has been with LPL Financial and its predecessor firms since 2004 and previously worked at WS Griffith Securities, Inc. from 1998 to 2004. Outside of his advisory work, he operates a real estate rental property that is managed externally. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to third-party asset management, leveraging model portfolios, customized strategies, and technology tools to support advisors.

Bryce Porter is a CFP® with 11 years of industry experience, currently serving at LPL Financial since 2016. He also operates DB Wealth Management Group, LLC, where he has been active since 2012. LPL Financial is a national broker-dealer and SEC-registered investment adviser delivering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives.

Carson Cushing is a financial advisor at Fidelity with seven years of industry experience. He holds the Series 66 and Series 63 designations. Prior to joining Fidelity Investments in 2025, he worked at Veritude from 2016 to 2019. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional investors, including fund advisory and model portfolio construction. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and serves in formal advisory roles to multiple registered investment companies.

Oliver Kearney is a Financial Advisor with Merrill Lynch Wealth Management based in La Jolla. He provides advice and guidance tailored to clients' family goals and priorities, focusing on a client-centered approach rather than market trends. He collaborates with clients to adjust financial plans as their needs and market conditions evolve. Oliver specializes in areas including corporate benefits, corporate executive services, education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, sports and entertainment, and tax minimization. He follows a disciplined process that begins with understanding clients' financial situations and what matters to their families. Oliver holds multiple professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He earned his bachelor's degree from the University of Southern California. Outside of his professional work, Oliver has been involved with the USC Alumni Association from 2020 to 2023. His personal interests include golfing, pickleball, running, skiing, spending time with family, surfing, swimming, tennis, traveling, and volleyball.

Sandra Sanchez Heredia is a financial advisor with UBS Financial Services in San Diego, CA. She holds a Series 66 designation and has five years of industry experience, including seven years at UBS Wealth Management Mexico prior to joining UBS Financial Services in 2020. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad range of capital markets solutions.

Octavio Tudela is a financial advisor with Morgan Stanley Wealth Management in San Diego, CA, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Merit Financial Group, LPL Financial, Avantax Advisory Services, and Reason Financial. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning supported by firm-approved tools and investment analysis, with approximately $2.74 trillion in client assets under management.

Jorge Orozco is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2014. Outside of his advisory role, he serves on the Finance Council at Christ the King Catholic Church, a nonprofit organization focused on Catholic spirituality and cultural diversity. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized manager due diligence and applies an ESG eligibility framework when recommending investment strategies.

Mark Marcelo is a financial advisor with J.P. Morgan Securities in Chula Vista, CA, holding Series 63 and 65 licenses and five years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Anthony Gee is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he supports clients in addressing a range of financial objectives, including retirement planning, funding education expenses, and developing customized strategies to meet long-term family goals. Anthony holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from San Diego State University. His approach emphasizes aligning financial planning with each client's unique priorities, aiming to simplify the investment process and enhance transparency throughout the wealth management journey.

Anthony Bayona is a financial advisor at Raymond James Financial with 17 years of industry experience. He previously worked at Edward Jones for 11 years before joining Raymond James in 2025. Bayona is also an author engaged in publishing activities outside of his advisory work. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, corporations, pension and profit-sharing plans, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and investment consulting, utilizing analytical tools to illustrate potential outcomes.

Bradley Maienschein is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds Series 66 and Series 63 designations and has worked previously at Morgan Stanley Smith Barney LLC, as a self-employed trader, and at Gelber Group. He is based in La Jolla, CA. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Carlos Carrillo is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 credentials. His prior roles include positions at CUNA Mutual Group, Questar Capital Corporation, Cetera Investment Services, and Independent Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory services, including financial planning, model portfolios, third-party asset management, and institutional platforms, with investment management conducted through both discretionary and non-discretionary strategies.

Christopher Kozo is a CFP® with 27 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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. The firm’s IPS-driven approach includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs, tailored to plan objectives and risk tolerances.

Stefano Rakigjija is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2018. Outside of finance, he assists in design work for a small high-end garment manufacturing company founded by his brother. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs firm-approved planning tools and modeling techniques as part of its structured financial planning process.

Daniel Cohn is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management based in the Del Mar San Diego office. He holds the Chartered Retirement Planning Counselor (CRPC) designation and operates within the line of business at Merrill Lynch Wealth Management. Daniel works collaboratively with clients to develop financial plans and investment strategies tailored to their individual goals, providing ongoing advice as their needs evolve. He has a Bachelor's Degree in Mathematical & Computational Science from Stanford University and holds three FINRA/SEC securities licenses. Prior to joining Merrill Lynch, Daniel spent his career on Wall Street in New York, working with wealth management teams, commodities and rates trading desks, and in equity research covering various sectors including Utilities and Clean Energy. His experience informs his approach to helping individuals and families navigate diverse market environments. Daniel's client focus encompasses areas such as college education planning, equity compensation services, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, small business strategies, and sectors like sports and entertainment. Outside of his professional role, he has personal interests in fishing, golfing, pickleball, running, soccer, and tennis.

Alan Peller is a financial advisor with Morgan Stanley Wealth Management in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior work includes roles at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory work, he is involved in rental property management alongside his spouse. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, emphasizing structured financial planning supported by firm-approved tools and research from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning services both directly and through corporate financial planning agreements.