Andrew Rose is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He collaborates with individuals and families to develop personalized wealth plans aimed at helping clients achieve their own definitions of financial success. Andrew has been with Fidelity Investments since 2015, progressing through various positions including Financial Consultant, Investment Consultant, Private Client Group Relationship Manager, International Trader, and High Net Worth Representative. His experience encompasses investment consulting and relationship management within diverse client segments. He holds a California Insurance License. Outside of his professional work, Andrew has interests in food, football, hiking, and traveling.

Garrett Merrill is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has worked at multiple Cetera entities since 2020 and previously spent eight years with First Allied Advisory Services. Outside of his advisory role, Merrill serves as an elder at Christ Presbyterian Church and is the committee chair for Boy Scout Troop 709. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining affiliated and third-party managers to provide tailored investment solutions.

Heather Nicholas is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and over 25 years of industry experience. She previously worked at Commonwealth Financial Network, Manning Wealth Management, OneAmerica Securities, American United Life, and U.S. Bancorp Advisors. In addition to her advisory role, she is involved with The Manning Companies, providing fixed insurance sales and client insurance education as part of financial planning. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm provides tailored, non-discretionary planning using risk profiling and modeling tools, supports municipal and public-finance work, and offers specialized advisory programs including SIMPLE IRA Employer Advisory & Consulting Services.

Kharli Brockmeier is a financial advisor at Fidelity with Series 63 and Series 65 credentials and four years of industry experience. Prior to joining Fidelity, Kharli worked at the University of New Mexico for seven years. Outside of advising, Kharli operates an Etsy shop selling jellyfish umbrellas and serves as communications lead for Collaborative Women in Investment Management, producing their weekly and monthly newsletters. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, using a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios composed of mutual funds, ETFs, and ETPs.

Kiley Grunstad is a financial advisor at Edward Jones with 19 years of industry experience. She has held her current position at Edward Jones since 2006. Outside of her advisory role, she is involved in the pyrotechnics business as president of KG Pyro LLC and works as a pyrotechnician, scripting fireworks displays. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Michael Lawrence is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. He is based in San Diego, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools to support financial planning.

Christopher Lambert is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 designations and 10 years of industry experience. His prior roles include positions at LPL Financial, AW Securities, and TD Ameritrade Institutional. Outside of finance, he serves on the board of the American Youth Soccer Organization Region 116, acting as the primary contact for Head Coaches in the Girls Under 7 Division. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individuals, high-net-worth investors, retirement plans, and corporate entities. The firm’s investment approach is model-driven, utilizing portfolios developed by LPL’s Research Department and third-party strategists, and it offers access to third-party asset managers along with financial planning and brokerage services.

John Dorff is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 12 years of industry experience. He previously worked at Commonwealth Financial Network for 14 years before joining LPL Financial in 2026. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational and research tools.

Andres Marek is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and having 39 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and investment modeling in its financial planning process.

Juan Pablo Cabanas Ramirez is a Financial Advisor at Merrill Lynch Wealth Management and a member of the Cabanas-Malfavon team located in downtown San Diego. He began his career at Merrill Lynch Wealth Management in early 2023 and focuses on creating personalized financial plans for clients that encompass various facets of wealth management, including investing, retirement planning, and behavioral finance education. Juan specializes in family wealth management strategies, international wealth management, and portfolio management services. He takes a personal approach with his clients by understanding what is important to them and helping develop strategies to pursue their financial goals. Juan holds 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 Loyola Marymount University. Juan is bilingual, fluent in English and Spanish. In his free time, he enjoys camping, music, skiing, soccer, spending time with family, surfing, tennis, traveling, and watching movies.

Yubel Rios Torres is a financial advisor at Fidelity with a Series 66 designation and five years of industry experience. His prior roles include positions at Ameriprise, Edward Jones, and Wells Fargo. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its registration as a commodity pool operator, advisory roles to multiple registered investment companies, and use of algorithmic methods and AI in research.

Wilson Bean is an Investment Consultant at Fidelity Investments, where he partners with local clients to provide comprehensive financial planning tailored to their individual definitions of financial success. He collaborates with clients to develop and implement investment strategies designed to support their financial goals now and in the future. He has progressed through several roles at Fidelity Investments, beginning as a Financial Representative in 2023, then as a Relationship Manager in 2024, before becoming an Investment Consultant in 2025. Prior to joining Fidelity, Wilson gained experience as a Wealth Management Intern at Morgan Stanley from 2022 to 2023. He holds a California Insurance License. Outside of his professional work, Wilson enjoys cooking and baking, fitness activities, and skiing.

Tarik Nasrawi is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding a Series 66 designation and nine years of industry experience. Prior to joining J.P. Morgan in 2017, he worked at Edward Jones for one year. He is also president and has ownership interests in Nasrawi Group 1, Inc. and Nasrawi Group 2, Inc., both associated with Victor's Kafe, where he oversees company ideas and goals. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program.

Mario Quintero is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and 14 years of industry experience. He has worked at J.P. Morgan Securities since 2014 and has been affiliated with JPMorgan Chase Bank, N.A. since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG considerations in its recommendations.

Leif Sanchez is a financial advisor at Morgan Stanley with 25 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. He holds the Series 66 designation and is based in San Diego, CA. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning processes and advanced modeling tools but generally acts in an advisory capacity without providing individual security recommendations as part of standalone plans.

David Schrager is a financial advisor with RBC Capital Markets based in San Diego, CA. He holds the Series 66 credential and has 25 years of industry experience, including roles at Bank of America, Merrill, and City National Bank. Outside of his advisory work, he owns and actively manages multiple rental duplexes and apartment properties in Texas and California. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with customized investment strategies implemented through in-house and third-party managers, supported by RBC’s capital markets and affiliated asset management capabilities.

Michael Chamberlain is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 27 years of industry experience. He has been with Cetera and its related entities since 2013. Outside of his advisory role, he serves as a co-executor in a fiduciary capacity. Cetera Investment Advisers LLC provides services to individual clients, retirement plans, corporate and charitable organizations, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Janice Ebbert is a financial advisor with Ameriprise in El Cajon, CA, holding a Series 66 designation and 27 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 1998. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a structured process supported by algorithmic tools and oversight committees.

Jacob Sutton is a CFP® professional with 19 years of industry experience, currently practicing at Edward Jones since 2006. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved in a condo rental business in Carlsbad, CA. 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 and offers a wide range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Antonieta Sanchez is a Series 66-licensed financial advisor at Merrill in San Diego, CA, with 25 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith Inc since 1999. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.