Kha Tran is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 65 designations and 23 years of industry experience. He has worked at Charles Schwab and its affiliates since 2022 and previously spent 15 years at TD AMERITRADE Inc. 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 affiliated managed-account and financial planning services. The firm combines non-discretionary advisory models with access to discretionary separate managed accounts and maintains a centralized operational platform for custody, order routing, and alternative investment due diligence.

Jonathan Mendoza is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 11 years of industry experience. He has been with J.P. Morgan Securities since 2013 and concurrently associated with JPMorgan Chase Bank, N.A. since 2012. Outside of his advisory role, Mendoza operates an e-commerce business selling a personal collection of trading cards. 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. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.

Jose Hernandez Jr. is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 66 credentials and has worked at Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank since 2015. Outside of advising, he manages rental properties in the San Diego area. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses a structured planning process supported by proprietary tools and serves clients through a broad range of retail and institutional investment offerings.

Laura Fetterman is a financial advisor at UBS Financial Services with 16 years of industry experience. She holds the Series 66 designation and has been with UBS since 2005. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advice using proprietary research and model-based asset allocations tailored to clients’ goals and risk tolerances.

Lisa Yang is a financial advisor with LPL Financial in La Jolla, CA, holding a Series 66 designation and 9 years of industry experience. She worked at the University of California, San Diego for one year before joining LPL Financial, where she has been since 2014. Yang is involved with Symbio Financial Partners, an entity related to her LPL business. 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 range of advisory programs, financial planning, and retirement consulting services, utilizing model portfolios and research from both internal and third-party sources.

Karina Mendoza is a Series 66-licensed financial advisor at UBS Financial Services with seven years of industry experience. She has worked at UBS since 2019 and previously had brief tenures at Merrill Lynch. Outside of her advisory roles, she was involved with YMCA San Diego County for five years and San Diego State University for four years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, using proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Sharon Loero is a financial advisor with Charles Schwab, holding Series 66 and Series 63 designations and bringing 26 years of industry experience. She previously worked for TD Ameritrade from 2010 to 2022 before joining Charles Schwab in 2023. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management, along with custody and brokerage services. The firm is notable for its large client base and integrated operational structure that combines model portfolios, alternative investments, and centralized supervisory and order-routing arrangements.

David Smith is a Series 66-credentialed financial advisor at Merrill with 18 years of industry experience. He has worked at both Bank of America, N.A. and Merrill Lynch, Pierce, Fenner and Smith Incorporated since 2011. 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 to provide access to a broad platform of products and services.

Joshua Billauer is a financial advisor with Wells Fargo Clearing in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Billauer also serves as a trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

Erik Karlson is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Nicholas Fragoso is a financial advisor at Osaic with five years of industry experience. He holds Series 63 and Series 66 credentials and has worked at San Diego Tax & Wealth Management and under his own sole proprietorship, providing financial planning, income tax preparation, and life insurance services. Fragoso also operates an S-Corporation offering investment advice, financial planning, and tax preparation. OSAIC serves a broad range of clients, including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing various asset-allocation tools and third-party platforms to manage portfolios across multiple asset classes on both discretionary and non-discretionary bases.

David Cynkin is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and two years of industry experience. His background includes roles at UBS since 2023 and academic positions at the University of Oregon from 2019 to 2023. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets and fiduciary services.

Julia Farag is a financial advisor with Cetera in San Diego, CA, holding a Series 66 designation and one year of industry experience. She has previously worked at Fonte Financial Advisors and served as a philanthropist before joining Cetera. Outside of her advisory role, she serves as vice president of the nonprofit board of directors for the Kai Elua Outrigger Canoe Club. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of investment management and consulting services through a nationwide network of independent advisors, utilizing multiple program structures and third-party managers.

Ryan Barnhill is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. He previously worked at Edward Jones for nine years before joining LPL Financial in 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual, institutional, and retirement clients through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management and a variety of model portfolios and research resources.

James Roeske is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch. He began his career in wealth management in 2000 and has since developed relationships with a diverse clientele. In 2016, James was appointed Resident Director of the La Jolla office, taking on responsibilities that include training and coaching Merrill financial advisors and supporting experienced advisors in identifying appropriate products and services for their clients. James holds several professional credentials, including the CERTIFIED FINANCIAL PLANNER (CFP) designation awarded by the CFP Board, the Certified Investment Management Analyst (CIMA) certification from the Investments & Wealth Institute, and is recognized as a Personal Investment Advisor (PIA). He earned a Bachelor of Science degree from Saint Mary's College of California. His client focus areas encompass executive compensation, family wealth management strategies, portfolio management services, ESG investing, tax minimization, retirement income, and other financial planning services. Residing in San Francisco and La Jolla with his wife and two children, James is active in his local community, particularly with La Jolla's public school system. He is a member of the La Jolla Historical Society and contributes to La Jolla Elementary. Outside of work, James enjoys boating, boxing, football, running, skiing, swimming, tennis, traveling, and volleyball.

Grant Kalmanovitz is a CFP® with 16 years of industry experience, currently serving as a financial advisor at Cetera. His prior firms include Charles Schwab, LPL Financial, LendingClub, and EquityBee. In addition to his advisory role, he works as an assistant basketball coach for San Dieguito Union High School District and consults on sales strategy and market research for local businesses. Cetera Investment Advisers LLC is a nationwide registered adviser supporting individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform that offers model portfolios, third-party managers, and bespoke strategies. The firm manages over $256 billion in assets with more than 10,000 advisors and around 800,000 clients.

Iola Xiao is a Financial Advisor at Merrill Lynch Wealth Management and The ROK Advisory Group since 2023. She has 15 years of experience in the financial services industry, providing personalized guidance to individuals and families. Iola is fluent in Mandarin Chinese and speaks basic Cantonese, facilitating communication with a diverse clientele. Iola follows a disciplined process that begins with understanding clients' needs and goals, enabling her to create flexible financial strategies adaptable to changing market conditions. She leverages investment insights from Merrill and banking and lending solutions from Bank of America. Iola holds the Certified Divorce Financial Analyst (CDFA) designation and the Personal Investment Advisor (PIA) credential. Based in San Diego, Iola enjoys spending time with her son, Tyler, and engaging in activities such as traveling and golfing.

Diane Bienke is a CFP® and Series 66 credentialed financial advisor with four years of industry experience. She is currently with J.P. Morgan Securities and has previous experience at First Republic Investment Management, Wells Fargo Clearing Services, and Wells Fargo Bank. 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 services on a non-discretionary basis.

Daniel Testa is a financial advisor at Cetera with three years of industry experience and holds a Series 66 designation. Prior to joining Cetera, he worked at Edward Jones, Bank of America, Merrill, and Navy Federal Financial Group. Outside of advising, he is a partner and owner of BNT Metals, a metals recycling company based in Chula Vista, California. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party strategies.

Shanel Dubique is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and eight years of industry experience. Her prior roles include positions at CUSO Financial Services and First Command Financial Planning. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, various advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options.