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.

Michelle Gonzalez is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and four years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2023 and previously spent ten years at Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers advisory services alongside affiliated brokerage and investment management capabilities, with recommendations made on a non-discretionary basis.

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.

Miguel Herrera Fraga is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Schwab, he held roles at Vuori and was involved with Surfboardbroker Inc. He has a background that includes several years in education. Charles Schwab serves a large client base, primarily high- and ultra-high-net-worth individuals, offering advisory, brokerage, and managed-account services through its integrated wealth management platform.

Kim Collins is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has previously worked at RBC Capital Markets, Wells Fargo Clearing, and Wells Fargo Advisors. Outside of his advisory role, he co-owns a commercial real estate business with his spouse. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

Kenneth Wong is a financial advisor at Osaic with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Woodbury Financial Services and Securities America. Outside of his advisory role, he is the president of Resource One, a sole proprietorship offering life and health insurance along with financial advice and planning services. Osaic Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension plans, and charitable organizations through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and third-party platforms to construct portfolios that suit various client needs.

Iris Marcovich is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 license and 11 years of industry experience. She has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following several years at BBVA-affiliated firms. Morgan Stanley Wealth Management provides comprehensive advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery and firm-approved tools, with a wide range of investment and advisory services.

Alin Goryoka is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, Bank of America, and Merrill. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Juan Gomez is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and four years of industry experience. His career includes prior roles at Stifel, UBS Financial Services, Shulson Collective, and Bank of America Merrill Lynch. Morgan Stanley Wealth Management provides a broad range of advisory programs to individual and institutional clients, including tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and offers services through both direct individual engagements and corporate financial planning agreements.

James D'Alessio is a Wealth Management Advisor with Merrill Lynch Wealth Management. Since beginning his financial services career in 1991, he has developed a client-centered approach focused on building lasting relationships and helping clients navigate the complexities of investing and wealth management. He works with a diverse client base including high net worth individuals, business owners, and non-business owners, offering expertise in retirement planning, investment strategies, liability and credit management, wealth accumulation, and estate transfer. James holds a Bachelor's degree in Finance from San Diego State University and has earned professional designations including Chartered Financial Consultant® (ChFC®), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). His practice emphasizes understanding clients' unique financial needs and goals, incorporating the emotional aspects of financial decision-making, and providing diversified solutions that align with risk tolerance and expectations. Communication and trust are central to his approach, aiming to deliver personalized and transparent financial guidance. Outside of his professional role, James enjoys spending time outdoors and with family. His personal interests include playing the saxophone, football, golfing, billiards, camping, hiking, and music. He lives in San Diego with his wife Lisa and their three children.

Thomas Yoon is a CFP®-credentialed financial advisor with 37 years of industry experience. He is currently with Ameriprise, where he has worked since 2023, following a 27-year tenure at Edward D. Jones & Co., L.P. and Edward Jones. Ameriprise offers a retirement-income planning service targeting individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to provide tailored, written recommendations. The firm provides a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Jennifer Dunn is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and three years of industry experience. Prior to joining UBS in 2022, she worked with organizations including the Academy of Country Music, the Los Angeles Chargers, Fox Sports, USC Football, and the University of Southern California. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management, offering a broad range of services including discretionary portfolio management and capital markets solutions.

Chase Uejo is a Financial Solutions Advisor with Merrill Lynch Wealth Management. In this role, he collaborates with clients to understand their priorities and develop strategies aligned with their short-, mid-, and long-term financial goals. His services encompass general investing, retirement planning, and preparing for unexpected financial needs. He also facilitates access to Bank of America specialists for banking, credit, home financing, and small business needs. Chase holds several professional designations, including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a bachelor's degree from the California State University system. His approach emphasizes uncovering what matters most to clients and their families to help formulate effective financial strategies.

Eduardo Lemus Garcia is a financial advisor at Merrill with Series 66 registration and four years of industry experience. He has been with Merrill since 2016 and worked previously at AT&T for two years. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm leverages its integration with Bank of America’s corporate platform to offer access to a wide range of products and services.