Jared Cummings is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is a sole proprietor involved in property management of a single-family rental home. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery conversations and firm-approved tools.

Casey Clark is a Series 66-licensed financial advisor with Charles Schwab in San Diego, CA, and has nine years of industry experience. He has been with Charles Schwab since 2016. Charles Schwab & Co., Inc. serves a large client base, 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 both non-discretionary and discretionary investment options, combining strategic asset allocation with access to alternative investments and integrated custody and brokerage services.

Steven Cannon is a financial advisor with Osaic Wealth, Inc. in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He previously worked at Lincoln Financial Advisors for 23 years before joining Osaic in 2025. Outside of his advisory role, he serves as a successor trustee for the Carol A Cannon Trust and is licensed as an insurance agent offering disability insurance, fixed/indexed annuities, and traditional life insurance. Osaic Wealth, Inc. serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm integrates brokerage and investment advisory services and employs tools such as asset-allocation modeling and automated rebalancing to manage portfolios across various asset classes.

Arturo Ramirez is a financial advisor at Merrill with a Series 66 designation and 12 years of experience at the firm. He has four years of industry experience and is based in El Cajon, California. 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. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Nicholas Westendorf is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and 12 years of industry experience. He has been with Morgan Stanley since 2014 and is currently associated with Morgan Stanley Private Bank, N.A. Outside of his advisory role, he is a partner in Saltvault West, a recreational business in San Diego. Morgan Stanley Wealth Management serves individual and institutional clients by offering a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory services.

Karen Merker is a financial advisor with Merrill, holding Series 63 and Series 65 designations and 34 years of industry experience. She has been with Merrill since 2001. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bo Zhang is a Financial Advisor at Merrill Lynch Wealth Management, specializing in connecting clients to people, plans, and processes that align with their unique financial ambitions. With over 10 years of experience in the financial industry, Bo focuses on areas such as liquidity management, managing new wealth, personal retirement planning, portfolio management, small business strategies, and tax minimization. He is fluent in English and Chinese Mandarin, enabling him to serve a diverse client base effectively. Bo holds a Bachelor's Degree from the University of Maryland and has earned the Personal Investment Advisor (PIA) designation. He brings a client-centered approach to his advisory services, emphasizing understanding individual priorities to develop tailored strategies for investing, retirement planning, and saving for unforeseen events. Bo's work with clients includes supporting goals such as funding education, ensuring retirement lifestyle security, and addressing potential health care costs. Outside of his professional role, Bo has interests in biking, cooking, football, music, pickleball, running, swimming, and volleyball. His philosophy centers on connecting all aspects of a client's financial life to help prioritize and pursue the most important goals.

Misty Lavin is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also working concurrently at JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investments, delivering services on a non-discretionary basis.

Andrew Mangel is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. He previously worked at Northwestern Mutual in investment services and life insurance. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Delon Mansour is a financial advisor with Osaic Wealth, Inc. in San Diego, CA, holding the CFP® and ChFC® designations and possessing 16 years of industry experience. His work history includes roles at LPL Financial and Kestra Advisory prior to joining Osaic. Outside of advising, Mansour owns several businesses, including an Amazon FBA venture and a company involved in buying and selling auctioned ATVs and off-road vehicles. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers. The firm provides integrated brokerage and advisory services using firm-supported tools such as asset-allocation models and automated rebalancing, offering portfolios that include a range of securities managed on either a discretionary or non-discretionary basis.

Bruce Denker is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs including tailored financial planning, employing structured discovery conversations and firm-approved planning tools to support client goals.

Evan Gaspar is a financial advisor at Fidelity with Series 63 and Series 65 credentials and two years of industry experience. His background includes service in the United States Marine Corps and roles in various companies before joining Fidelity. Outside of finance, he has been involved with Torrey Holistics Inc., Ridgewells Catering, and Shack Bar & Grill. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad range of mutual funds, ETFs, and ETPs. The firm is noted for its use of AI in research, its role in managing multiple registered investment companies, and its involvement in commodities and proxy voting.

Juan Blanco Rosas is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). He earned his Bachelor's Degree from Instituto Tecnologico de Estudios Superiores de Monterrey. His role involves providing financial advisory services within Merrill Lynch Wealth Management.

Ryan Green is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds a Series 66 designation and has been with UBS since 2013. Outside of his advisory role, he is also a commissioned Notary Public in San Diego, California. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Brian Young is a Series 66-credentialed financial advisor with 17 years of industry experience. He has been with UBS Financial Services Inc. in San Diego, CA, since 2013. UBS Financial Services Inc. 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 uses proprietary research and model-based asset allocations to tailor client plans.

Kurt Spackman is a CFP®-designated financial advisor with 13 years of industry experience, currently affiliated with LPL Financial since 2019. His prior roles include positions at Securities America Advisors, Securities America, Inc., Capital Resource Management, Inc., and National Planning Corporation. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, and institutions. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from internal and third-party sources.

Douglas Kincart is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 27 years of industry experience. He has worked at UBS since 2010. Outside of his advisory role, he serves as a trustee assisting with real estate decisions for a family trust. 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 integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Jonathan Bobolia is a financial advisor with OSAIC, holding a Series 63 designation and bringing 46 years of industry experience. He previously worked at FSC Securities Corporation for 28 years before joining OSAIC in 2023. Outside of his advisory role, he rents a room to foreign exchange students. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing various tools and third-party solutions to construct and manage portfolios across a broad asset spectrum.

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.