Lindy Pickinpaugh is a financial advisor at UBS Financial Services with nine years of industry experience. She holds a Series 66 designation and has been with UBS since 2015. Based in San Diego, CA, she works within one of the largest financial advisory networks at the firm. UBS Financial Services Inc. serves individual, corporate, and institutional clients, offering a range of brokerage and investment advisory services including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad service platform.

Ayat Abuakar is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation. Their career includes roles at Wells Fargo Clearing, First Republic Bank, and Wells Fargo Bank, as well as five years of self-employment prior to joining Morgan Stanley in 2026. Morgan Stanley Wealth Management serves both individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques to support its financial advice.

Kip Flar is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He has been with Merrill since 1997. Outside of his advisory role, he serves as a co-trustee for a family trust. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Donald Wilkie is a financial advisor at OSAIC with 41 years of industry experience. He holds Series 63 and Series 65 designations and has worked in advisory roles at Securities America Advisors and Securities America, Inc. since 1996. In addition to his advisory work, Wilkie owns Financial Strategies Group, where he engages in insurance sales. OSAIC serves a diverse client base, including retail and institutional investors such as high-net-worth individuals, pension and profit-sharing plans, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple investment platforms to provide portfolios tailored to client needs.

Manuel Horner is a financial advisor with Ameriprise in Chula Vista, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior work includes roles at Cuso Financial Services and North Island Credit Union. Outside of his financial advisory work, he serves as a basketball referee. Ameriprise offers retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendations through a centralized consulting team.

George Melbrod Jr. is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 45 years of industry experience. His career includes long-term roles at Melbrod Financial Services Inc. and The Planners Network, among others. He is also president of Melbrod Financial Services, Inc., which provides tax preparation services. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering a range of advisory programs and brokerage services supported by in-house and third-party research.

Jordi Teixido Teixido is a financial advisor at UBS Financial Services with three years of industry experience. He holds the Series 66 designation and previously worked at Santander International for ten years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

Michael Wasserman is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with UBS since 2016. Outside of his advisory role, he serves as a school board trustee for Cold Spring School and is a committee member of the nonprofit organization Hillel of Santa Barbara, which focuses on enhancing Jewish life on the college campus. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocations to tailor plans according to client goals and risk tolerances.

Veronica Ramos Flores is a financial advisor with UBS Financial Services in San Diego, holding a Series 66 designation and two years of industry experience. She previously worked at Banco Santander International for twelve years. Outside of her advisory role, she serves as grantor and trustee for a wealth planning entity in San Diego. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Karen Brady is a financial advisor at LPL Financial with 42 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Wedbush Morgan Securities for 14 years before joining LPL Financial in 2023. 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 representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options supported by model portfolios and research.

Analisa Mcguffie is a financial advisor with UBS Financial Services, holding a Series 66 designation and two years of industry experience. Prior to joining UBS in 2022, she held roles at Quality Controlled Manufacturing Inc. and the University of Arizona. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor investment plans and portfolio management.

Gilda Aceves is an International Wealth Advisor with Merrill Lynch Wealth Management. She specializes in developing personalized wealth management strategies for a select group of high net worth clients, focusing on areas such as family wealth management, international wealth management, managing new wealth, portfolio management services, and women and wealth. Gilda holds a Bachelor's Degree from San Diego State University and the Personal Investment Advisor (PIA) designation. She emphasizes a one-on-one approach to create financial strategies tailored to each client's long-term goals. In addition to her professional work, Gilda is actively involved in community volunteer activities and enjoys personal interests including cooking, music, reading, running, tennis, traveling, and spending time with her family.

Christopher Quinley is a financial advisor at LPL Financial with 20 years of industry experience and a Series 66 designation. He has been with LPL Financial since 2011. Quinley is also involved in tax preparation and accounting through co-ownership roles at Liang & Quinley Tax Management and Bruno Skorheim LLP. 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, with access to model portfolios and research from multiple sources.

Leonel Aceituno is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 13 years of industry experience. He previously worked at Unionbanc Investment Services and Union Bank. 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, financial planning, retirement consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by model portfolios and research from various sources.

Jessica Hardy is a financial advisor at Cetera with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Cetera since 2019, following prior roles at Foresters Financial Services and Foresters Advisory Services. Outside of her advisory work, she serves as the 2nd Vice President of Education for Curie Elementary PTA and volunteers with the PTA Garden Club. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

Charity Schulz is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and 21 years of industry experience. She has been with J.P. Morgan Securities since 2012 and concurrently with JPMorgan Chase Bank, N.A. since 2010. 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 large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Heather Gabbara is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2014, including roles at JPMorgan Chase Bank, N.A. since 2017. 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 institutional advisory with brokerage and investment management capabilities.

Tito Gutierrez is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2012. Prior to that, he worked at JPMorgan Chase Bank, N.A. starting in 2010. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Sergio Bache is an International Wealth Advisor with Merrill Lynch Wealth Management. He has over 15 years of experience in the financial services industry and joined Merrill in 2015. Sergio works with both international and domestic clients, focusing on a broad range of wealth management strategies including family wealth management, retirement planning, portfolio management, small business strategies, and socially responsible investing. Sergio holds a Bachelor's Degree from San Diego State University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is bilingual in English and Spanish, enabling him to serve a diverse client base. He leverages the investment insights of Merrill and the banking services of Bank of America to provide comprehensive financial solutions. Beyond his professional role, Sergio engages in community activities such as coaching soccer and tutoring math to K-8 students. His personal interests include cooking, soccer, swimming, traveling, and spending time with his family.

Ryan Umbenhaur is a financial advisor with Edward Jones in La Mesa, CA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at PNC Bank, BBVA Bank, and Comerica Bank. He serves as a board member for the Lake Murray Terrace Condominium Association in Santee, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a large nationwide network of advisors and branch offices.