Fredric Bayles III is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and possessing 42 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. He serves as a trustee of a family trust. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process using firm-approved tools and models.

Karin Huber is a financial advisor at Wells Fargo Clearing with 17 years of industry experience. She holds a Series 66 designation and has worked previously at Morgan Stanley and RBC Capital Markets. Huber is based in La Jolla, CA. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, such as insurance-related vehicles and bank deposit sweep programs.

Davee Schulte is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 63 and Series 66 credentials and four years of industry experience. She has previously worked at Mission Federal Credit Union, Unionbanc Investment Services, MUFG Union Bank, and CHASE BANK. Schulte serves as an Associate Financial Advisor at Mission Federal Credit Union, providing licensed support to the credit union’s investment services department. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides tailored non-discretionary planning and uses analytical tools to support client goals, with notable offerings including municipal advisory services and a SIMPLE IRA Employer Advisory & Consulting Services program.

Mike Marabeas is a financial advisor with Charles Schwab, holding a Series 66 designation and 18 years of industry experience. He worked at TD Ameritrade from 2006 to 2024 before joining Charles Schwab in 2021. Outside of his advisory work, Marabeas serves on the board of directors for Lake Murray Little League and coaches travel baseball. Charles Schwab serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and affiliated managed-account services. The firm offers a combination of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios and centralized custodial and supervisory arrangements.

Philip Weber Jr. is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2013 to 2016. Outside of his advisory role, he serves as a trustee for his deceased father-in-law’s estate and is the assistant treasurer of the Hyannis Rotary Club, where he assists with community service activities. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and other sources.

Brandy Clements Corder is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. Her career includes roles at Commonwealth Financial Network and LPL Financial LLC. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm provides tailored, non-discretionary planning and consulting supported by advanced modeling tools and maintains unique capabilities in municipal and public finance advisory services.

Lance Silva is a CFP® professional with 20 years of industry experience, currently serving as a financial advisor at Ameriprise. His prior experience includes roles at LPL Enterprise, DICKERSON, Ca Health Benefit Exchange, and Prudential Insurance Company of America. Ameriprise provides retirement-income planning services primarily for clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored recommendation reports through a centralized consulting team.

Damon Couch is a financial advisor with RBC Capital Markets, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. His career includes positions at Merrill, U.S. Bancorp Investments, and Banc of America Investment Services. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies and integrates both in-house and third-party managers to meet clients’ needs.

Aaron Bojorquez is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and two years of industry experience. Prior to joining LPL Financial in 2023, he worked in real estate and the hospitality industry, including a role as a real estate broker. Outside of advisory services, he is involved in mortgage and real estate services. 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 financial planning and investment management solutions, combining advisory services with extensive non-advisory financial activities.

Robert Celeste is a CFP® with 44 years of industry experience, currently serving as a financial advisor at Cetera. He has been with Cetera Wealth Services, LLC since 2013 and transitioned to Cetera in 2023. In addition to his advisory role, he is an insurance agent selling life, health, disability, annuities, and long-term care products. Cetera Investment Advisers LLC is a nationwide SEC-registered firm that serves individual, corporate, charitable, and institutional clients. The firm offers a range of portfolio management, financial planning, and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Candice Gleeson is a financial advisor at UBS Financial Services with 31 years of industry experience. She has been with UBS Financial Services since 1995 and holds a Series 63 designation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services to provide a broad range of financial solutions.

Linda James is a financial advisor at LPL Financial based in San Diego, CA, with 26 years of industry experience. Her prior roles include positions at John Aust Real Estate Company, U.S. Bancorp Advisors, Northwestern Mutual Investment Management, and Fidelity. Outside of her advisory work, she is involved in real estate services through Real Broker LLC, assisting clients with buying and selling residential properties. 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 wide range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

Roberto Vila is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Merrill, Bank of America, and Morgan Stanley in various roles since 1995. Vila is based in La Jolla, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a broad range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools.

Matthew Lucadano is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. His prior roles include positions at Morgan Stanley and Citigroup Global Markets. He has been with LPL Financial since 2014. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a variety of platforms and strategies, including financial planning, model portfolios, and institutional services, supported by a large network of investment adviser representatives.

Arturo Martinez Vargas is a financial advisor at Fidelity with 15 years of industry experience. He holds Series 63 and Series 66 designations. His prior experience includes roles at CUSO Financial Services, TD Ameritrade, and Scottrade. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction across a range of mutual funds, ETFs, and ETPs. The firm is known for its use of systematic methodologies, formal advisory roles to multiple registered investment companies, and development of model portfolios for Fidelity Institutional Wealth Adviser.

Rebecca Eastom is a financial advisor at LPL Financial with 14 years of industry experience. She holds a Series 66 designation and has worked at firms including Merrill, Edward Jones, and State Farm VP Management Corp. Eastom has been with LPL Financial in two separate periods totaling over a decade. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of advisors and extensive operational resources.

Reid Stogner is a financial advisor at Cambridge Investment Research Advisors with 18 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior work includes a decade at BDT & Associates, Inc. Reid is also an independent insurance agent and owner of Equipoise Financial Services LLC. Cambridge Investment Research Advisors serves a diverse client base including individuals, pension plans, charitable organizations, and trusts by providing financial planning, investment management, retirement plan advisory, and financial-wellness services. The firm offers a range of portfolio management approaches across multiple platform arrangements, combining proprietary models and access to unaffiliated strategists.

Carolin Botzenhardt is a financial advisor at UBS Financial Services with 26 years of industry experience. Her prior roles include positions at Wells Fargo and Deutsche Bank, where she worked for over a decade. She serves on the finance committee of the Institute of Contemporary Art in San Diego, focusing on the organization's financial health and fund management. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management, leveraging proprietary research and model-based asset allocation to tailor investment strategies.

Timothy Cusick is a financial advisor with Wells Fargo Clearing and holds a Series 63 designation. He has 44 years of industry experience, including roles at Wells Fargo Advisors LLC from 2009 to 2016 and Wells Fargo Clearing since 2016. He serves as an investment committee member for Rise Up Industries, contributing to investment policy discussions. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary options. The firm’s investment approach is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Ryan Belmer is a financial advisor at Morgan Stanley with 31 years of industry experience. He previously worked at UBS Financial Services for ten years before joining Morgan Stanley Smith Barney and Morgan Stanley Private Bank. He serves on the finance committee of Meals On Wheels in San Diego, a nonprofit organization that provides meals and wellness checks to seniors. Morgan Stanley Wealth Management offers a wide range of advisory programs to individual and institutional clients, focusing on tailored financial planning and utilizing firm-approved tools and analyses to assist in strategy development.