Kevin Liu is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at SAGEPOINT FINANCIAL and INDEPENDENT CAPITAL MANAGEMENT. Outside of his advisory work, he is involved in mortgage brokerage and refers clients for estate planning services through a certified estate planning organization. OSAIC Wealth serves a diverse clientele, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with a range of advisory and brokerage services, utilizing model-based asset allocation and portfolio optimization tools.

Ricardo Tiscareno is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies that align with their unique ambitions and family priorities. His approach focuses on providing clarity and simplicity in investment planning while addressing key goals such as education funding, retirement income, managing new wealth, and legacy planning. Ricardo also incorporates values-based areas of focus including socially responsible and ESG investing, as well as LGBT wealth planning and tax minimization. Ricardo holds the Personal Investment Advisor (PIA) designation and earned his high school diploma from Addison Trail High School. He is bilingual in English and Spanish, allowing him to serve a diverse client base. Outside of his professional work, Ricardo enjoys outdoor activities such as badminton, camping, hiking, rock climbing, running marathons, skiing, and spending time with his family. His client-centered philosophy emphasizes uncovering what matters most to each family to guide the creation of tailored financial strategies.

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 at Osaic with 26 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Lincoln Financial Advisors for 23 years. He also serves as an insurance agent offering disability insurance, fixed/indexed annuities, and traditional life insurance, and acts as a successor trustee for the Carol A Cannon Trust. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, supported by various tools and multiple program options including discretionary and advisor-managed strategies.

Christyn Lo is a financial advisor at Merrill with 19 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch Pierce Fenner & Smith since 2006. Outside of her advisory role, Christyn works part-time as a bookkeeper for a dental practice. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

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 Series 66–licensed financial advisor at Merrill with eight years of industry experience, including prior roles at Bank of America and HRSD. He is based in San Diego, CA. Outside of his advisory duties, he co-owns family rental properties. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional investors, offering managed account programs, discretionary portfolio management, and brokerage services. The firm is noted for its integrated platform with Bank of America affiliates and its focus on tax-efficient investment strategies.

Misty Lavin is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, N.A. since 2008. She holds Series 63 and Series 66 designations. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s program is non-discretionary and focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting.

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.

Kiley Aymar is a Planning Consultant who assists clients in implementing comprehensive financial plans tailored to their individual situations. She emphasizes providing a high level of customer service in her work. Her professional experience includes roles as a Relationship Manager at Fidelity Investments from 2022 to 2023, a Financial Representative at Fidelity Investments from 2021 to 2022, and a Wealth Management Intern at Capital Analysts of New England from 2018 to 2020. She holds a California Insurance License. Outside of her professional work, Kiley has personal interests in fitness, food, tennis, and yoga.

Delon Mansour is a financial advisor at Osaic with 16 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including LPL Financial, Morgan Stanley, Kestra Advisory, and Edward Jones. Outside of advisory services, he owns several small businesses, including an off-road vehicle auction business and an Amazon FBA venture managed by a third party. Osaic Wealth serves a diverse client base of retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, with a range of investment programs delivered across affiliated broker-dealer and RIA relationships.

Dolores Serdahely is a Wealth Management Advisor at Merrill Lynch Wealth Management. Details about her professional experience, educational background, credentials, and personal interests have not been provided.

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.

Zachary Hansen is a financial advisor at Fidelity with Series 65 and Series 66 designations and seven years of industry experience. He previously worked at JP Morgan Securities LLC and JP Morgan Chase Bank. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across a broad investable universe. The firm is notable for its use of systematic methodologies, AI-driven research, and formal advisory roles to multiple registered investment companies.

Evan Gaspar is a financial advisor at Fidelity with Series 65 and Series 63 licenses and three years of industry experience. His prior work includes roles at Torrey Holistics Inc., Ridgewells Catering, Shack Bar & Grill, Dick's Sporting Goods, and service in the United States Marine Corps. He also worked at California State University San Marcos. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including model portfolio construction based on proprietary fundamental research, quantitative analysis, and algorithmic methodologies. The firm serves multiple registered investment companies and employs systematic, long-term asset allocation strategies.

Jane Braun is a CFP® professional with 39 years of experience in financial advising. She is currently with LPL Financial and has previously worked at firms including Commonwealth Financial Network and Manning Wealth Management, where she held a principal role. Outside of her advisory duties, she is president of Crown Financial Planning Corporation, an S-corporation facilitating securities firm activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives serving individuals, retirement plans, banks, and institutions. The firm offers a variety of investment programs and utilizes a wide range of strategies implemented by advisors, supported by advanced tools and a broad non-advisory financial services platform.

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.