Terence Tunnell is a CFP® and holds a Series 66 license with 16 years of industry experience. He is currently with LPL Financial and has worked at JM Financial Strategies and Commonwealth Financial Network. Outside of advisory work, he has been involved with Pizza Systems Inc. for over three decades and provides tax preparation and bookkeeping services through JM Financial Strategies. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, and institutional platforms, supporting its advisors with research tools and a broad suite of financial products.

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 Series 66-licensed financial advisor with 14 years of industry experience, currently affiliated with LPL Financial in San Diego, CA. Her prior work includes roles at Commonwealth Financial Network, Fidelity, Merrill, and Edward Jones. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and operational tools.

Erica Del Rosario is a financial advisor at Morgan Stanley with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at multiple firms including LPL Financial, Ameriprise Financial, and Northwestern Mutual Wealth Management Company. Outside of her advisory role, she serves as a notary public for clients. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a range of advisory programs to individuals and institutions, providing tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery conversations and firm-approved tools to model outcomes, while clients remain responsible for implementing and updating their plans.

Michael Bernier is a CFP® professional with 21 years of industry experience. He is currently with LPL Financial, having joined in 2024, and previously worked at Canter Wealth, Pure Financial Advisors, Inc., and Financial Designs LTD. He holds Series 63 and Series 66 licenses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment services through a large network of advisers and offers both discretionary and non-discretionary portfolio management with access to multiple investment strategies and institutional platforms.

Joshua Camargo is a Financial Advisor at Merrill Lynch Wealth Management. He works with individuals and families to develop personalized wealth management, retirement planning, investment guidance, and legacy planning strategies tailored to their unique needs. Joshua holds a Bachelor's Degree from San Diego State University and has earned the Personal Investment Advisor (PIA) designation. His approach centers on understanding clients' goals and priorities, simplifying complex financial concepts, and providing ongoing advice to adapt portfolios as clients' situations change. In addition to his professional work, Joshua is involved with the San Diego Food Bank.

Martha Alonso Hara is a financial advisor at UBS Financial Services with 25 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at UBS and its affiliates since 2006, following three years at Banc of America Investment Services. Based in San Diego, CA, she has been with UBS Financial Services since 2010. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Raymond Dexter is a financial advisor with LPL Financial in La Mesa, CA, holding a Series 63 license and bringing 41 years of industry experience. He has been with LPL Financial since 1990. Outside of advising, he is involved in a business partnership owning an office building shared with a non-client partner. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, delivering advice through a large network of investment adviser representatives using a range of customizable strategies.

Adam Arthur is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Morgan Stanley, he worked at Cetera and has experience in various roles including education and entrepreneurial ventures. Outside of finance, he has participated in several businesses such as TalentLink dba RemoteLink Solutions and Blue Ocean Harumama. Morgan Stanley Wealth Management provides investment advisory and brokerage services to individuals and institutions, managing approximately $2.74 trillion in client assets. The firm offers tailored financial planning supported by structured discovery processes and firm-approved tools, serving a wide range of clients through both direct and corporate financial planning agreements.

Jack Conway is a financial advisor at Charles Schwab in La Jolla, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Schwab, he held roles outside the financial industry, including positions at Alex Madonna Gold Rush Steakhouse and Bobby Valentine's Sports Academy. Charles Schwab 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 offers a mix of non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational resources.

Cynthia Penner is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. She previously worked at UBS Financial Services from 2007 to 2019 and has been with RBC Capital Markets and City National Bank since 2019. RBC Wealth Management serves a diverse client base that includes individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Ronald Hidayat is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 63 designation and 24 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he coaches tennis for the City of Temecula Community Services. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Cody Rose is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 credential and seven years of industry experience. He previously worked at UBS and Northern Kentucky University before joining Morgan Stanley in 2018. Outside of his advisory role, he serves as an assistant coach for the girls varsity volleyball team at Cathedral Catholic High School. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools.

Erik Anderson is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He previously worked at Wamu Investments, Inc. and UBS Financial Services before joining LPL Financial in 2008. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolios, third-party asset management access, and institutional platforms, supported by a broad network of over 22,900 advisors and extensive non-advisory financial services.

Aeryonna Ware is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and beginning her advisory career in 2025. Prior to joining Morgan Stanley, she worked at Charles Schwab and held positions in the hospitality industry with Marriott International, Kimpton Hotels, and Evolution Hospitality. Morgan Stanley Wealth Management offers advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools, with an advisory focus that generally excludes individual security recommendations and ERISA fiduciary responsibilities unless separately engaged.

Samuel Alt is a Series 66-registered financial advisor with six years of industry experience. He is currently with Mass Mutual Investors Services and has previously worked at Morgan Stanley and Wells Fargo Clearing. Outside of his advisory role, he is involved as a brand ambassador for a waterless skincare product company and works as a server at a restaurant/bar. MassMutual Investors Services, LLC is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, with a focus on collaborative, annual planning relationships using firm-approved analysis tools.

Nicolette Dal Porto is a financial advisor with LPL Financial and holds a Series 66 designation. She has four years of industry experience, including roles at Fremont Bank Investment Services and various positions connected to California Polytechnic State University, San Luis Obispo. Outside of her advisory work, she is a commissioned notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, institutions, and retirement plan participants. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers.

Jocelyn Senaha is a financial advisor with Morgan Stanley Wealth Management in San Diego, CA, holding Series 63 and Series 65 credentials and 30 years of industry experience. Her prior firms include Wells Fargo Clearing and Prudential Equity Group, LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools.