Michael Wasserman is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with UBS since 2016. Outside of his advisory role, he serves as a school board trustee for Cold Spring School and is a committee member of the nonprofit organization Hillel of Santa Barbara, which focuses on enhancing Jewish life on the college campus. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocations to tailor plans according to client goals and risk tolerances.

Veronica Ramos Flores is a financial advisor with UBS Financial Services in San Diego, holding a Series 66 designation and two years of industry experience. She previously worked at Banco Santander International for twelve years. Outside of her advisory role, she serves as grantor and trustee for a wealth planning entity in San Diego. 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 combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Karen Brady is a financial advisor at LPL Financial with 42 years of industry experience. She holds the Series 63 and Series 65 credentials. Prior to joining LPL Financial in 2023, she worked at Wedbush Morgan Securities for 14 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment solutions including model portfolios, third-party asset management, and institutional platforms.

Analisa Mcguffie is a financial advisor with UBS Financial Services, holding a Series 66 designation and two years of industry experience. Prior to joining UBS in 2022, she held roles at Quality Controlled Manufacturing Inc. and the University of Arizona. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor investment plans and portfolio management.

Gilda Aceves is an International Wealth Advisor with Merrill Lynch Wealth Management. She specializes in developing personalized wealth management strategies for a select group of high net worth clients, focusing on areas such as family wealth management, international wealth management, managing new wealth, portfolio management services, and women and wealth. Gilda holds a Bachelor's Degree from San Diego State University and the Personal Investment Advisor (PIA) designation. She emphasizes a one-on-one approach to create financial strategies tailored to each client's long-term goals. In addition to her professional work, Gilda is actively involved in community volunteer activities and enjoys personal interests including cooking, music, reading, running, tennis, traveling, and spending time with her family.

Christopher Quinley is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2011, following five years at Ameriprise. Quinley is also co-owner and president of Liang & Quinley Tax Management, a tax preparation and accounting business. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and portfolio management programs and supports advisors with various research and operational tools.

Leonel Aceituno is a financial advisor at LPL Financial with 13 years of industry experience. He previously worked at Unionbanc Investment Services from 2013 to 2024 and Union Bank from 2008 to 2017. 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 offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jessica Hardy is a financial advisor at Cetera with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Cetera since 2019, following prior roles at Foresters Financial Services and Foresters Advisory Services. Outside of her advisory work, she serves as the 2nd Vice President of Education for Curie Elementary PTA and volunteers with the PTA Garden Club. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

Heather Gabbara is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63 and Series 66 designations and has worked with J.P. Morgan and JPMorgan Chase Bank since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Claudia Emmet is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 66 and Series 63 licenses and 19 years of industry experience. She previously worked at Commonwealth Financial for 10 years before joining Raymond James and related entities in 2025. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting through analytical tools and supports clients in implementing recommendations via its advisory programs or other providers.

Tito Gutierrez is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and over 16 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has worked with JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting through a non-discretionary advisory program.

Francisco Davila is a financial advisor at J.P. Morgan Securities in San Diego, CA, with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2010, including his current role starting in 2013. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with a forward-looking approach and incorporates ESG criteria in its recommendations.

Sergio Bache is an International Wealth Advisor with Merrill Lynch Wealth Management. He has over 15 years of experience in the financial services industry and joined Merrill in 2015. Sergio works with both international and domestic clients, focusing on a broad range of wealth management strategies including family wealth management, retirement planning, portfolio management, small business strategies, and socially responsible investing. Sergio holds a Bachelor's Degree from San Diego State University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is bilingual in English and Spanish, enabling him to serve a diverse client base. He leverages the investment insights of Merrill and the banking services of Bank of America to provide comprehensive financial solutions. Beyond his professional role, Sergio engages in community activities such as coaching soccer and tutoring math to K-8 students. His personal interests include cooking, soccer, swimming, traveling, and spending time with his family.

Ryan Umbenhaur is a financial advisor with Edward Jones in La Mesa, CA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at PNC Bank, BBVA Bank, and Comerica Bank. He serves as a board member for the Lake Murray Terrace Condominium Association in Santee, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a large nationwide network of advisors and branch offices.

S Belloso is an International Wealth Advisor with Merrill Lynch Wealth Management, specializing in family wealth management strategies, international wealth management, and managing new wealth. With 30 years of experience, Belloso has focused on working with wealth creators from abroad who have investable assets of at least $10 million, as well as their second and third generations. Belloso began their career in 1985 as Head of International Private Banking at Bank of America in San Diego. In 1990, they joined Citi Bank International Private Banking in San Diego. Over the past 25 years, Belloso has served as an International Wealth Advisor at firms including UBS International, Smith Barney, and Morgan Stanley, with professional experience spanning Tucson, Phoenix, and Houston. Belloso holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Escuela Nacional de Comercio. Outside of their professional work, Belloso enjoys chess, music, reading, and spending time with family.

Veronica Benitez is a financial advisor at Merrill with 27 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2016. Based in San Diego, CA, her career includes a decade at Merrill in her current role. Merrill, along 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.

Genie Lebay Short is a financial advisor with OSAIC in San Diego, CA, holding Series 63 and Series 65 licenses and over 23 years of industry experience. She previously worked at Sagepoint Financial, Inc. for 14 years and has been involved with Independent Capital Management, Inc. since 2003. Outside of her advisory role, she is a Certified Citadel Estate Planner, referring clients for estate planning services, and has experience as a mortgage originator. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by various tools and third-party managers.

Cole Winship is a financial advisor with LPL Financial holding a Series 66 designation and three years of industry experience. He has worked at several firms including Commonwealth Financial Network, Pacific Point Wealth Management, and Thrivent Financial. He is also affiliated with the University of San Diego. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services through a large network of representatives. The firm serves individuals and institutions with a range of financial planning, asset management, and retirement advice solutions, utilizing a mix of model portfolios, third-party subadvisors, and customized strategies.

Sung Hoon Pyon is a financial advisor at Thrivent Investment Management with 14 years of industry experience. He holds Series 63 and Series 65 licenses. His prior work includes roles at Morgan Stanley, E*Trade Securities, TD Ameritrade, Merrill, MassMutual Investors Services, and Northwestern Mutual Investment Management. Outside of finance, he owns Grillsimply.com, a blog focused on grilling and smoking meats. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors. The firm delivers holistic, goal-based financial analyses and offers clients the option to combine planning with managed accounts under a consolidated billing service called WealthPlan, while keeping planning and portfolio management services separate.

Kelly Braun is a CFP® professional with seven years of industry experience. She is currently affiliated with LPL Financial and has previously worked at Manning Wealth Management and Commonwealth Financial Network. 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 and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.