Patrick Denis is a ChFC® with 25 years of industry experience. He is currently with Raymond James & Associates, where he has worked since 2023. His prior experience includes roles at Concourse Financial Group Securities, Protective Life Insurance Company, AIG Capital Services, and American General Life Insurance. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, pension plans, and charitable organizations, offering financial planning, investment consulting, and municipal advisory services.

Conor Devany is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2012, also working at Bank of America since 2015. 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 and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Zachary Rogers is a financial advisor at Merrill with a Series 66 designation and no prior industry experience. His work history includes roles at Bank of America, OneAmerica, and GoldBook Financial, along with positions outside finance such as with the Ultimate Fighting Championship and UFC Fit. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Brett Atkinson is a CFP® professional with 26 years of industry experience, currently serving at Wells Fargo Clearing since 2020. Prior to this, he worked for Ameriprise Financial Services, Inc. for 11 years. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Isaac Morales Osuna is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Outside of his advisory role, he is the owner of a rental property. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes structured financial planning supported by firm-approved tools and serves clients through both direct and corporate financial planning agreements.

Hayley Beard is a CFP® with 18 years of industry experience and has been with Edward Jones since 2015. She holds the Series 63 and Series 66 licenses and is based in Coronado, 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 under management and offers a range of advisory programs including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Susan Boas is a financial advisor at Merrill with 30 years of industry experience. She has held her position at Merrill since 2007 and holds Series 63 and Series 65 designations. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

David Hankin is a CFP®-designated financial advisor with 31 years of industry experience. He is currently with Cetera, where he has worked since 2013, including time at Cetera Advisors LLC. Outside of his advisory role, he serves as a committee member for the Willow Creek Homeowners Association, reviewing property improvement applications to ensure compliance with guidelines. Cetera Investment Advisers LLC is an SEC-registered adviser supporting individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to various program structures and third-party money managers.

Helena Xu is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. She has been with UBS Financial Services since 2010. Outside of her advisory role, she is involved with the San Diego Women's Foundation in community service. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor client plans.

Karla Camarena Villarreal is a financial advisor with Merrill in San Diego, CA, holding a Series 66 credential and 18 years of industry experience. She has worked at Merrill since 2019 and previously spent five years at RBC Capital Markets. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies managed by internal teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Diana Canales is a financial advisor at Edward Jones with 11 years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Bank NA and JP Morgan Securities LLC. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Christoph Scholz is a Financial Consultant at Fidelity Investments, a role he has held since 2024. Prior to this, he served as a Planning Consultant, Relationship Manager, and Financial Representative at Fidelity Investments between 2021 and 2024. His earlier experience includes positions as a Service Support staff member at Citizens Business Bank and Lead Teller at Wells Fargo. In his current role, Christoph works with clients to support them in pursuing their financial goals by utilizing Fidelity's resources and tools. He emphasizes a flexible, professional, knowledgeable, and relationship-focused approach to financial planning. Christoph holds a California Insurance License. Outside of his professional career, Christoph has interests in baseball, cars, football, social events with friends, skiing, and traveling.

Nils Clark is a Certified Financial Planner (CFP®) and holds a Series 66 license with 25 years of industry experience. He has been with UBS Financial Services in San Diego since 2015. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering fee-based financial planning, portfolio management, and access to mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management and delivers advisory services supported by proprietary research and model-based asset allocations.

Steven Davis is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with LPL Financial since 2005 and previously worked at Independent Financial Partners from 2012 to 2019. Outside of his advisory role, he is involved with Davis Wealth Management, which offers non-variable insurance products such as whole life, fixed annuities, and term insurance. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients through a national network of investment adviser representatives. The firm provides a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by proprietary and third-party research.

Adrian Prado is a financial advisor at Cetera with 15 years of industry experience. He holds Series 63 and Series 65 licenses. Prior to joining Cetera, he worked at Planmember Securities Corporation for eight years. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, corporate, retirement plan, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and provides access to various third-party money managers and program platforms.

Robert Shultz is a financial advisor at Edward Jones with 17 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including households of varying net worth, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of more than 23,700 advisors and offers a range of discretionary and non-discretionary investment strategies alongside affiliated mutual funds and tax-efficient services.

Matthew Stratton is a financial advisor with Edward Jones in San Diego, CA, holding a Series 66 designation and six years of industry experience. He has been with Edward Jones since 2019 and previously worked at Business Acceleration Strategies and Movement Mortgage. Stratton registered a sole proprietorship intended for a vlogging/blogging business, which is currently dormant. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of advisors and branch offices nationwide.

Rebecca Kamiura is a financial advisor at Fidelity with five years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Bank, NA. She holds a Series 66 designation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm combines proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios, and has registered roles with the CFTC and multiple fund advisory responsibilities.

Peter Bell Jr. is a CFP® certificant with 33 years of experience in financial advising, currently with Cambridge Investment Research Advisors. His prior roles include positions at Cetera and LPL Financial. He also serves as an agent at The Katz Nassau Agency, Inc., a business focused on insurance, benefits, and human resources. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, retirement plans, and charitable organizations. The firm offers financial planning, investment management, and retirement advisory services through a network of independent financial professionals, utilizing a variety of portfolio management approaches and platform arrangements.

Anthony Ricci is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 42 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 11 years before joining LPL Financial in 2019. Ricci is also licensed as a non-variable insurance agent. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing discretionary and non-discretionary management, model portfolios, and research from multiple sources.