Heather Nicholas is a financial advisor with Raymond James Financial in San Diego, CA, holding Series 63 and Series 66 licenses and 25 years of industry experience. She has worked at firms including Manning Wealth Management, Commonwealth Financial Network, and OneAmerica Securities. Nicholas also engages in fixed insurance sales as part of her financial planning services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and corporations. The firm provides tailored, non-discretionary planning and consulting using analytical tools and supports advisory programs with a notable municipal advisor affiliation.

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.

Omar Sakr is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has worked at J.P. Morgan Securities LLC since 2020, following positions at JPMorgan Chase Bank, N.A. and Macy's. 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 investment strategies.

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.

Lindsay Medland is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA. She holds Series 63 and Series 65 credentials and has one year of industry experience. Her prior work includes roles at State Farm VP Management Corp and Zach Bay Insurance Agency. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, providing financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm offers a range of investment solutions across multiple platforms and includes proprietary models as well as access to unaffiliated strategists.

Christopher Lambert is a financial advisor with LPL Enterprise, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. His previous roles include positions at LPL Financial, AW Securities, and TD Ameritrade Institutional. Outside of finance, he serves as a board member for the American Youth Soccer Organization Region 116, overseeing communications and logistics for the Girls Under 7 Division. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through both advisory and brokerage services. The firm offers access to model portfolios, third-party asset management, and a variety of financial products within an integrated platform that combines investment advice with related services such as insurance and lending.

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 with Fidelity, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Ameriprise, Edward Jones, and Wells Fargo. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm integrates proprietary research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary services across various investment vehicles.

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. He has worked with J.P. Morgan since 2017 and previously spent one year at Edward Jones. Outside of his advisory role, he serves as president and holds ownership stakes in two entities operating under the name Victor's Kafe. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary investment recommendations supported by centralized due diligence and ESG eligibility processes.

Mario Quintero is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. He has worked at JPMorgan Chase Bank, N.A. since 2014 and at J.P. Morgan Securities since 2012. 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. The firm combines large institutional advisory operations with broker-dealer, investment adviser, and commodity-related registrations to deliver comprehensive advisory and brokerage services.

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, holding a Series 66 designation and 24 years of industry experience. His career includes positions at City National Bank, Bank of America, and Merrill. Outside of advising, he is involved in managing several rental properties as a sole proprietor. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored advisory programs with discretionary and non-discretionary portfolio management, utilizing a mix of in-house and third-party investment managers.

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.

Valentine Roberts is a financial advisor with J.P. Morgan Securities in El Cajon, CA. He holds Series 63 and Series 65 licenses and has eight years of industry experience, including roles at Wells Fargo Clearing Services and Wells Fargo Bank NA. Prior to his financial services career, he worked at PDC Healthcare/Brady Worldwide Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

Allison Jewett is a Financial Advisor at Merrill Lynch Wealth Management. She holds the Chartered Retirement Planning Counselor (CRPC) designation and has obtained two bachelor's degrees from the University of Cincinnati. Allison works closely with clients to develop personalized financial plans that address their unique ambitions, including funding education, retirement planning, and managing potential healthcare costs. Her approach emphasizes simplicity and transparency to help clients navigate the complexities of investing and wealth planning.