Stephane Hpay is a financial advisor with Cetera holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked at Cetera since 2021 and previously spent seven years with VOYA Financial Advisors. Outside of his advisory role, he is also an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Tanner Curtiss is a Wealth Management Advisor with Merrill Lynch Wealth Management and a third-generation Merrill Advisor, working alongside his father at the Curtiss and Associates group. He helps clients pursue their long-term financial goals through personalized wealth management strategies, drawing on Merrill's investment insights and the banking and lending solutions of Bank of America. His client focus areas include college education planning, legacy planning, personal retirement planning, and retirement income. Before joining the Curtiss and Associates team, Tanner gained experience as a financial analyst at both a local startup and a Fortune 100 technology company. His team emphasizes delivering consistent resources and practical analysis across various industries to help clients achieve financial freedom despite changing environments. Tanner holds a Bachelor's Degree from Tulane University and holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) professional designations. He is involved in professional organizations such as Junto and Startup San Diego. In addition to his professional work, Tanner participates in community volunteering aligned with Merrill's tradition of community service. His personal interests include camping, golfing, hiking, racquetball, running, surfing, tennis, and yoga.

Steven Varghese is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 credential and bringing one year of industry experience. Prior to his current role, he has held several positions including at EagleStone Tax & Wealth Advisors and multiple roles within the University of California, San Diego. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, noted for its Premier Retirement Income service that provides tailored retirement income planning through ongoing advice and written recommendation reports. The firm’s approach integrates proprietary investment research and third-party data within a product ecosystem that includes affiliated sub-advisers and managed accounts.

Jeffrey Lung is a CFP® with 21 years of industry experience, currently advising at Fidelity Investments. His career includes roles at several firms such as Mercer Global Advisors, TD Ameritrade, Charles Schwab, and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its management of multiple registered investment companies, use of AI-driven research methods, and delivery of model portfolios to intermediary platforms.

Waheeda Noor is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 65 and Series 63 licenses and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she serves as treasurer for the San Diego Afghan Refugees Aid Group. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

Jeremy Shaffer is a financial advisor with Charles Schwab in Vista, California, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. He has worked primarily at Charles Schwab since 2016, with brief tenures at several other firms in 2019 and 2020. Outside of his advisory role, he performs independent contracting work with Uber and DoorDash and rents vehicles through Turo. Charles Schwab & Co., Inc. serves a large client base of 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 both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a formal alternative investment process within a centralized operational framework.

Zachary Anthony is a financial advisor at Stifel with one year of industry experience. He previously worked at Whole Foods for five years before joining Stifel. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services guided by a proprietary investment methodology developed by its Investment Strategy Group.

Joseph Adamo is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory work, he is the sole proprietor of Adamo Braun LLC, a restaurant and nightclub business in Kings Beach, Lake Tahoe. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including personalized financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by structured discovery processes and firm-approved tools.

Steven Nartker is a CFP® and PFS™ with 17 years of experience in financial advisory and accounting. He is currently with LPL Financial and has previously worked at firms including Cetera, Avantax, and Cambridge Investment Research Advisors. He also operates a tax preparation and accounting practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of advisory and brokerage services with a broad selection of investment strategies and platforms.

Robert Gilbert is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 32 years of industry experience. He previously worked at Merrill for 12 years before joining Wells Fargo in 2016. Wells Fargo Advisors serves individual, corporate, and institutional clients, including pension and charitable organizations, offering investment advisory services, financial planning, and retirement plan consulting. The firm employs a research-driven approach and provides both brokerage and advisory solutions at a national scale.

Nicole Carner is a financial advisor with Morgan Stanley, holding a Series 66 designation and 22 years of industry experience. She has worked at Morgan Stanley Smith Barney since 2009 and was previously with Citigroup Global Markets from 2005 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm uses structured planning tools and modeling techniques as part of its process and manages approximately $2.74 trillion in client assets.

Danyelle Comer is a financial advisor at J.P. Morgan Securities with one year of industry experience. She holds a Series 66 designation and has worked at JPMORGAN Chase Bank, N.A. in various roles since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. Their program focuses on written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Christian Ortiz Gonzalez is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Bank of America and Merrill from 2019 to 2024. Outside of finance, he is involved in education and the arts, serving as a marching band coach and as an officer with a youth arts nonprofit organization. Morgan Stanley Wealth Management is a large institutional firm offering a wide array of advisory programs to individual and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery processes and firm‑approved planning tools.

Monica Bezy is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She previously worked at TD Ameritrade Institutional for 11 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets through a network of more than 23,700 advisors. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Daniel Avan is a financial advisor with Wells Fargo Clearing based in Carlsbad, CA, holding Series 63 and Series 65 designations and possessing 33 years of industry experience. His prior work includes roles at Morgan Stanley and Citigroup Global Markets totaling over 14 years. He also serves as a trustee for a family trust. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a combination of brokerage and advisory solutions supported by research and analytics.

Michael Peterson is a financial advisor at OSAIC with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Lincoln Financial Advisors, Confidence Wealth Management, and Edward Jones. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment process that includes asset allocation, portfolio optimization, and access to third-party managers and proprietary strategies.

James Gallagher is a financial advisor at Charles Schwab & Co., Inc. He holds a Series 66 designation and has been with Charles Schwab since 2022. His prior experience includes roles at Peripli Trading and Zep Inc. 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 its scale and integrated operational structure.

Edward Finnegan is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2020 and was promoted to his current role in 2023. In this capacity, he collaborates closely with clients to develop and implement personalized financial plans that align with their individual goals, utilizing Fidelity's resources to explore various financial options. Prior to joining Fidelity, Edward held several positions at Charles Schwab & Co. from 2012 to 2020, including Vice President, Financial Consultant. His professional experience spans over a decade in financial consulting and client service roles. Edward holds a California Insurance License. Outside of his professional commitments, Edward enjoys activities such as beach visits, fitness, football, snowboarding, surfing, and traveling.

Jonathan Kelly is a financial advisor with J.P. Morgan Securities based in San Diego, CA. He holds a Series 66 designation and has been active in the financial services industry since 2025. Prior to joining J.P. Morgan, he held roles at LPL Enterprise, California Coast Credit Union, and other organizations. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, with centralized due diligence supporting its recommendations.

Yen Ho is a financial advisor at Merrill with a Series 66 designation and four years of experience in the industry. Prior to joining Merrill, Yen worked at Bank of America, N.A. and CVS, and also held positions at Diazyme Laboratories Affiliated and Mesa Community College. 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 managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.