Diana Moreno is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. She holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary options. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Kristin Norby is a financial advisor at Morgan Stanley with 39 years of industry experience. She has held positions at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Norby holds Series 63 and Series 66 designations and is based in Rancho Santa Fe, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools alongside resources such as Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Sanchit Suneja is a Series 66 licensed financial advisor at UBS Financial Services with one year of experience. Prior to joining UBS in 2025, he spent four years at the University of California San Diego and seven years at Modern School Barakhamba Road. UBS Financial Services serves individual, corporate, and institutional clients through 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, utilizing proprietary research and model-based asset allocations to tailor client plans.

Raymond Lucia Jr. is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and over 25 years of industry experience. Prior to joining LPL Financial in 2020, he was involved with several firms bearing his name, including Lucia Capital Management, LLC, and Lucia Wealth Management, LLC. He hosts a podcast titled Vaulted Views, which he started in 2024. 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 offers a range of advisory programs, retirement plan consulting, and brokerage services, featuring both discretionary and non-discretionary management and a variety of model portfolios and research resources.

Preston Kern is a financial advisor at J.P. Morgan Securities with CFP®, CFA®, and Series 66 designations and five years of industry experience. His prior roles include positions at First Republic Investment Management, First Republic Securities, First Republic Bank, and Wells Fargo. Kern is based in San Diego, CA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with manager due diligence and applying an ESG eligibility framework in its investment recommendations.

Mara Litman is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been associated with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. She also serves as a FINRA arbitrator. 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 emphasizes structured financial planning supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Matthew Luckham is a financial advisor with LPL Financial, holding CFP® and Series 66 credentials and over 20 years of industry experience. His career includes roles at Osaic Wealth, Inc, Wealth Manager Group II, LLC, Wealth Manager Group LLC, and Royal Alliance Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers comprehensive financial planning and advisory programs supported by proprietary and third-party research, serving clients through a national network of investment adviser representatives.

Sean Schexnydre is a financial advisor with Merrill in San Diego, CA, holding Series 66 and Series 63 credentials and two years of industry experience. His prior work includes roles at Bank of America, Hilton Grand Vacations, Wyndham Destinations, and Coldwell Banker. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies supported by internal and third-party investment teams for a range of individual and institutional clients.

Solmaz Morales is a Financial Advisor at Merrill Lynch Wealth Management. She works closely with clients to define their financial goals and develop personalized portfolio strategies aimed at achieving those objectives. Her approach involves ongoing advice and portfolio adjustments in response to changes in clients' situations. Solmaz focuses on various client needs, including college education planning, legacy planning, managing new wealth, personal retirement planning, women and wealth, and retirement income. She holds a Bachelor's Degree from San Jose State University and is designated as a Personal Investment Advisor (PIA). She communicates fluently in both English and Farsi. Beyond her professional role, Solmaz balances her work with personal interests such as ice skating, music, running, tennis, traveling, and spending time with her family. She aims to help her clients navigate financial priorities in a way that aligns with their unique ambitions and family needs.

Allison White is a Series 66-credentialed financial advisor with five years of industry experience. She currently works at Morgan Stanley in Carlsbad, CA, joining the firm in 2022 after prior roles at Equitable Advisors, Colliers International, and other firms. Outside of her advisory work, she is a fitness instructor at Studio Barre. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm’s approach uses structured discovery and modeling tools to create plans, with clients responsible for implementation and updates.

Matthew Leonard is a CFP® professional with 18 years of industry experience. He has been with Edward Jones since 2007, working in their Carlsbad, CA office. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Poponyak is a financial advisor with Stifel in Carlsbad, CA, holding a Series 63 designation and bringing 45 years of industry experience. He has been with Stifel Nicolaus & Co. since 2009. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Khushbu Harjani is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, combining large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Shahryar Kashanchi is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He has been with Equitable Advisors since 2009 and previously worked at Axa Advisors, LLC. 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 employs a hybrid referral and implementation model that leverages third-party programs and offers both advisory and brokerage/insurance services.

Michael Holl serves as the Resident Director and Senior Financial Advisor at Merrill, leading the Carlsbad office with over 17 years of industry experience. Born and raised in San Diego, he specializes in working with business owners, executives, and high-net-worth individuals to structure wealth across income, equity compensation, and investments. His focus includes areas such as college education planning, equity compensation services, family wealth management strategies, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and retirement income. Michael holds a Bachelor's Degree from the University of California System and has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is actively involved in the MSAG San Diego organization, reflecting his commitment to the professional community he serves. Outside of his professional endeavors, Michael enjoys adventure sports, biking, golfing, hiking, music, reading, surfing, traveling, and spending time with his family.

Alexander Boswell is a financial advisor at UBS Financial Services with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with UBS since 2012. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, leveraging proprietary capital market assumptions and research to tailor plans to clients' goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management and offers a broad range of financial products and services.

Eric Weiss is a financial advisor at Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 66 licenses with two years of industry experience. Prior to joining Morgan Stanley in 2026, he worked at Fidelity Investments and Charles Schwab. His background includes various roles outside finance, such as positions in education and the United States Postal Service. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured discovery processes and firm‑approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides a broad range of investment and financial services.

Andrew Hernandez is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and two years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2023 and previously held positions at TD Ameritrade and Aimloan. Charles Schwab & Co., Inc. serves primarily 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 relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios alongside centralized custody and order-routing arrangements.

Michael Such is a Senior Financial Advisor with Merrill Lynch Wealth Management, having joined the firm in June 2011. He focuses on delivering financial strategies, research, and portfolio reviews tailored to individual clients’ goals. His areas of expertise include college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, and personal retirement planning. Michael earned a Bachelor of Science degree in Ocean Engineering from the United States Naval Academy and served nine years as a Surface Warfare Officer in the US Navy. After his military service, he spent six years in the defense industry, including consulting to the Navy at Booz Allen Hamilton and business and product development at Ocean Systems Engineering Corp/QinetiQ North America. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Residing in Carlsbad, California, Michael lives with his wife Shawna and their three children. He enjoys outdoor activities such as surfing, skiing, camping in the Sierra Nevada mountains, cooking, fishing, gardening, hunting, and scuba diving.

Alec Nasto is a financial advisor with Raymond James & Associates in Carlsbad, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Merrill, UBS Financial Services, and Lincoln Financial Advisors prior to joining Raymond James. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and public entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.