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 at LPL Financial with a Series 66 designation and five years of industry experience. He previously worked at Wells Fargo Clearing for 17 years before joining LPL Financial in 2022. Outside of his advisory work, Becerra is a motivational empowerment speaker and consultant and volunteers with Templo Calvario CDC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, employing both discretionary and non-discretionary management supported by proprietary research and third-party resources.

Dinara Meiramkulova is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC and 18 years with Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Delawar Roashan is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at Equitable Advisors since 2020 and previously at Cuso Financial Services, LP from 2015 to 2020. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage/insurance channels to tailor client services based on documented goals, risk tolerance, and time horizon.

Amber De Bartolo is a financial advisor with OSAIC holding a Series 66 designation. She has been in the industry since 2024 and previously worked with Shorelight Wealth Group and FirefighterAid. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers and wrap programs.

William Hinch is a financial advisor with LPL Financial based in San Diego, CA. He holds Series 63 and Series 66 licenses and has 24 years of industry experience. He has been affiliated with Uvest Financial Services since 2010 and with LPL since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, featuring discretionary and non-discretionary management and access to model portfolios and research from multiple sources.

Jacob Goldberg is a financial advisor with Mass Mutual Investors Services in La Jolla, CA. He holds the Series 66 designation and has 17 years of industry experience, including roles at Metlife Securities Inc and MassMutual Life Insurance Co. He has been with Mass Mutual Investors Services since 2017. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, money-manager programs, and educational seminars.

Austin Pate is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and nine years at LPL Financial. Prior to his advisory career, he worked at Round Table Pizza for five years. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Sean Donnelly is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Ameriprise and its affiliate since 2014. Outside of his advisory role, he owns a real estate business in Joshua Tree, California. Ameriprise is a large institutional firm offering a retirement-income planning service targeted at individuals nearing or in retirement who meet certain asset thresholds. The firm provides written recommendation reports incorporating research, modeling, and tax-efficiency analysis, with a focus on assets held in Ameriprise-managed accounts.

Christopher Hagopian is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 66 licenses and 27 years of industry experience. He previously worked at UBS Financial Services Inc. from 2010 to 2017 and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. He serves as a trustee for a trust based in Mill Valley, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and Monte Carlo simulations to model potential outcomes.

Dean Ridgway is a Wealth Management Advisor at Merrill Lynch Wealth Management. He formed The McPherson Ridgway Group in 2007 and has been serving clients in wealth management since 2005. Dean's practice focuses on areas including education planning, family wealth management strategies, legacy planning, LGBT wealth planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and retirement income. His team is committed to helping clients lead worry-free retirements. Dean earned a Bachelor of Science Degree in Civil Engineering from Virginia Polytechnic Institute and State University in 1994. Following his education, he served as an officer and helicopter pilot in the United States Marine Corps for 10 years before retiring from the U.S. Marine Corps Reserve as a Lieutenant Colonel in 2016. He holds the CERTIFIED FINANCIAL PLANNER (CFP) certification, the Chartered Retirement Planning Counselor (CRPC), and the Personal Investment Advisor (PIA) designations. Dean resides in Scripps Ranch with his wife, Catherine, and their three children. Outside of his professional responsibilities, he enjoys camping, surfing, mountain biking, biking, skiing, softball, and spending time with his family. He is also affiliated with professional organizations including Beta Theta Pi Fraternity, Alpha Phi Chapter, Scripps Ranch Old Pros, and the United States Marine Corps (Retired).

Steven Douek is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. He has been with Morgan Stanley and its Private Bank division for 10 years. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a wide range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Maria Piechocki is a financial advisor at LPL Financial in San Diego, CA, with 17 years of industry experience. She holds the Series 66 designation and has worked at The Advisory Group since 2011, FSC Securities Corporation from 2008 to 2022, and Gregory P. Schill since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs and financial planning services, combining proprietary research and third-party strategies across discretionary and non-discretionary management models.

Daniel Elizondo is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various Fidelity entities since 2007. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including IRS-qualified charitable funds and registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs, and it maintains oversight through affiliated or unaffiliated sub-advisers.

Brian Suttle is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and seven years of industry experience. He previously worked at Edward Jones for six years and LEDVANCE for three years. Outside of his advisory role, he is associated with Thormahlen Holding Company as a borrower of a loan. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, various advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and model portfolios.

Robert Coronel is a financial advisor at Morgan Stanley with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2011, including a role at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

William Stern is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 48 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Stern is involved as an advisory director in FM JAM and has a holding company named Chateau Rum Row. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutions, utilizing structured financial planning tools and serving clients through both direct and corporate financial planning agreements.

Karen Purvis is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 designations and 29 years of industry experience. She has been with Ameriprise and its affiliated entities since 2005. Outside of her advisory role, she serves as Secretary on the Board of Directors for the PLHS Golf Boosters. Ameriprise Financial Services is a diversified firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides detailed recommendation reports and ongoing advice focused on income sources and tax-efficient withdrawal strategies.

Angelic Lemay is a financial advisor at LPL Financial in San Diego, CA, holding the Series 66 designation with 14 years of industry experience. She has been with LPL Financial since 2014, including a brief period at Commonwealth Financial Network in 2017. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a variety of advisory programs, financial planning, and consulting services, utilizing discretionary and non-discretionary management supported by proprietary and third-party research.