Michael Sheehan is a Series 66-licensed financial advisor with 12 years of industry experience, currently serving at LPL Financial since 2026. He previously worked for Commonwealth Financial Network from 2012 to 2026. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, including model portfolios, third-party asset management, and institutional platforms.

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 experience in the financial advisory industry. He currently works with San Diego Wealth, part of Osaic, and has prior experience with F.A.I.T.H. Driven Planning and service in the United States Air Force. Outside of advising, he supports financial advisors as a paraplanner by assisting with financial life planning, investment research, and economic analysis. Osaic Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process with an emphasis on asset allocation, portfolio optimization, and risk management, supporting both discretionary and advisor-managed strategies.

Robert Nachtsheim is a CFP® with one year of industry experience. He has worked at LPL Financial since 2018 and previously held a position at JPMorgan Chase from 2014 to 2018. He is based in San Diego, CA. 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 financial planning and investment solutions, including model portfolios and third-party asset management, supported by advanced advisor tools and a broad platform of financial services.

Riley Cavanaugh is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial, he worked briefly at Raymond James Financial and Raymond James Financial Services, Inc. Outside of his advisory role, he operates the Cavanaugh Group, a DBA related to his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Nayra Ramirez is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo in various capacities since 1992. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages substantial assets and offers both brokerage and advisory solutions, utilizing research and analytics to support investment decisions.

John Jacobs is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and has worked at firms including Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and METLIFE SECURITIES Inc. Since 2017, he has also been affiliated with San Diego County Credit Union. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of financial planning and portfolio management services, leveraging scale and a variety of non-advisory financial products alongside its advisory platform.

Jamie Smith is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and 23 years of industry experience. Jamie has been with Equitable Advisors since 2003, including its prior affiliation with Axa Advisors. Outside of advisory work, Jamie is involved in an outside fixed business. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm delivers services through a network of Investment Adviser Representatives and employs a range of advisory models, including third-party program sponsors and discretionary portfolio advisory within selected programs.

Cade Erautt is a financial advisor at Ameriprise Financial Services with two years of industry experience. He holds the Series 66 designation and previously worked at California Credit Union, providing financial advice and assisting members with long-term financial planning. Cade is based in Imperial Beach, CA. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized retirement income service that provides written recommendation reports and ongoing annual advice focused on dependable income sources and tax-aware withdrawal strategies.

Ashley Rinaudo is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 23 years of industry experience. Her career includes 20 years at Commonwealth Financial Network and multiple prior roles at LPL Financial, Citigroup Global Markets, and Ameriprise. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting its network of over 22,900 advisors.

Claire Neville is a financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, she worked at Warner Bros. Discovery and CNN International. She serves on the board of Neville's Automotive Co., an automotive and transportation business based in Oceanside, California. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets through various advisory and brokerage services.

Alejandro Mendoza is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 credential and 19 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Wells Fargo Clearing, and Merrill. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

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.

John Armstrong IV is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and over 44 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Prudential Equity Group, LLC from 2001 to 2003. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Robert Wilcsek is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the La Jolla office. He has worked in financial services since 1977, bringing over 45 years of experience to his role. Robert assists clients by developing personalized wealth management strategies tailored to individual needs, focusing on family wealth management, endowments, foundations, non-profit services, new wealth management, retirement planning, portfolio management, and retirement income. Robert holds a Doctorate from Washington State University and previously worked at the University of California, San Diego, before joining Merrill Lynch. He carries the Personal Investment Advisor (PIA) designation. Raised in Solana Beach, California, Robert emphasizes a comprehensive and collaborative approach, working one-on-one with clients to help them pursue their long-term financial goals. He is also engaged in community volunteering in alignment with Merrill’s tradition of service. Outside of work, Robert enjoys billiards, surfing, and watching movies.

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.

Joseph Ramirez is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2018. Outside of his advisory role, he is involved with Midway Venture LLC, a bar and restaurant business based in San Diego. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research and analytics from Wells Fargo Investment Institute and third-party databases, focusing on diversification and modern portfolio theory.

Mavel Becerra is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and five years of industry experience. He previously worked at Wells Fargo Clearing for 17 years before joining LPL Financial. Outside of his advisory role, Becerra is active as a motivational empowerment speaker and volunteer. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management, with a focus on providing diverse investment options supported by operational and research tools.

Dinara Meiramkulova is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, having also worked at Wells Fargo Bank NA since 2008. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets across more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Delawar Roashan is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and 12 years of industry experience. He has worked with Equitable Advisors and its predecessor firms since 2014, as well as Cuso Financial Services from 2015 to 2020. Equitable Advisors serves a broad client base including individual investors, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.