Anne Summers is a financial advisor at Cetera with 11 years of industry experience and holds a Series 66 designation. She has worked at multiple Cetera entities since 2018 and held roles at First Allied Securities and Ameriprise Financial Services. Summers serves as a board member of the Coronado Alano Club, a nonprofit organization. Cetera Investment Advisers LLC is a large SEC-registered firm supporting over 10,000 advisors and approximately 800,000 clients with a range of portfolio management, financial planning, and retirement services. The firm offers multiple program structures and access to both affiliated and third-party managers across discretionary and non-discretionary accounts.

Ronald Ceniceroz is a financial advisor with OSAIC based in San Diego, CA, holding Series 63 and Series 66 licenses and having 33 years of industry experience. He has worked with OSAIC since 2024 and previously served at Integrated Wealth Strategies Inc and SECURITIES AMERICA, Inc. He also has longstanding involvement in insurance sales dating back to 1986. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm utilizes a model-based investment approach focused on asset allocation and portfolio optimization, supported by various program options including Unified Managed Accounts and third-party money managers.

Jesus Estrada Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He has been with Wells Fargo since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party databases.

Douglas McPherson is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He is also a Portfolio Manager within the firm. Douglas began his career as a financial advisor in 1992 and co-founded The McPherson Ridgway Group in 2007, which joined Merrill Lynch Wealth Management in 2012. Douglas holds a Bachelor of Arts degree in Chemistry from the University of Vermont, earned in 1987, and is a CERTIFIED FINANCIAL PLANNER™ professional. He focuses on developing strategies and solutions for high net-worth individuals, their families, and businesses, helping them achieve their financial goals based on risk tolerance, time horizon, liquidity needs, and overall investment objectives. He has served on the boards of the Greater San Diego Business Association and the Trust & Estate Committee of Children’s Hospital San Diego. Douglas also has been involved in fundraising efforts for the San Diego LGBT Community Center and the Lambda Legal San Diego Chapter. He and his spouse live in the University Heights neighborhood of San Diego, where Douglas enjoys camping, gardening, hiking, music, yoga, and spending time with family.

Tsega Mehary is a financial advisor at Charles Schwab with 31 years of industry experience. She holds Series 65 and Series 63 licenses. Prior to joining Charles Schwab in 2023, she worked for 25 years at TD Ameritrade Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 a mix of non-discretionary and discretionary investment guidance supported by multi-asset model portfolios, centralized supervisory and custody arrangements, and access to alternative investments.

Brian Harris is a financial advisor at Merrill with 18 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2008 and also associated with Bank of America since 2009. Harris serves as an advisory board member for the Arizona Council on Economic Education, a charitable organization focused on economic education. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Kris Iverson is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. He worked at Edward Jones for three years before joining LPL Financial in 2010. Iverson operates under the DBA Kris Iverson, Inc. 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, and institutional platforms, supporting advisors with advanced research tools while overseeing over $819 billion in discretionary assets.

Dilip Gupta is a financial advisor at Wells Fargo Advisors with 38 years of industry experience. His prior work includes roles at Wells Fargo Clearing, A. G. Edwards & Sons, Inc., and Morgan Stanley DW Inc. He holds Series 63 and Series 65 licenses. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and uses Wells Fargo research and planning tools to develop tailored client recommendations.

Lori Iaquinta is a financial advisor at Morgan Stanley with 32 years of industry experience. She has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Her credentials include Series 63 and Series 65 registrations. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and analytical models to support its financial planning services.

Anthony Baker is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Courtney Breen is a Wealth Management Advisor at Merrill Lynch Wealth Management. She joined Merrill Lynch as an intern in 2017 and started full-time in 2018, working with individuals, families, business owners, and nonprofit organizations to achieve their financial goals. Her approach emphasizes building long-term relationships based on trust, transparency, and understanding her clients' goals and values. Courtney specializes in comprehensive financial planning across various life stages, including wealth accumulation, retirement planning, estate preservation, and legacy planning. She holds several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Certified Financial Planner (CFP), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Additionally, Courtney holds the California Life, Accident & Health license and Series 7 & 66 FINRA registrations. She earned a Bachelor's Degree in Business Administration with an emphasis in Finance from San Diego State University. Born and raised in San Diego, Courtney resides with her fiancé Chris and their rescue dog, Willow. Outside of her professional work, she enjoys boating, camping, hiking, pickleball, skiing, tennis, yoga, traveling, and spending time with her family.

Kristina Lingo is a financial advisor at Cetera with 20 years of industry experience. She holds the Series 66 designation and previously worked at LPL Financial for 22 years before joining Cetera in 2025. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform that includes affiliated and third-party money managers.

Evan Cantalupo is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at Cetera Investment Services and Foresters Advisory Service. Outside of advisory work, he is active as an Airbnb host. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors and various operational tools.

Daniel Igartua is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various J.P. Morgan affiliates since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process incorporates centralized due diligence with both quantitative and qualitative analysis, and recommendations may include ESG criteria and affiliated investment options.

Maxwell Mccallop is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at First National Capital and various engagements related to Boise State University and Tutto Fresco Kitchen & Bar. Fidelity, through its Strategic Advisers LLC subsidiary, provides investment management and advisory services to a diverse client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary portfolios, fund advisory, and model portfolio delivery.

Caitlyn Reed is a Series 66-registered financial advisor with Equitable Advisors in San Diego, CA, where she has worked since 2021. She has five years of industry experience, including roles in education and healthcare prior to joining the firm. Reed is also involved with a local BNI networking group in San Diego. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm’s advisory approach includes matching clients to models or discretionary managers, utilizing a range of investment products and third-party program sponsors.

Joubin Rahimi is a financial advisor at Merrill with four years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at East West Bank, Banc of California, and First Foundation Bank. Outside of his advisory role, he manages a rental property through an entity called Innovative Enterprises, Inc. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gregory Wisniew is a CFP®-designated financial advisor with 28 years of industry experience. He currently works at LPL Financial, having previously served at Lincoln Investment Planning for 10 years and Kestra Investment Services for 13 years. He is based in San Diego, CA. 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 provides advisory and brokerage services through a broad network of representatives, offering financial planning, model portfolios, third-party asset management, and institutional platforms.

Jeffrey Wilson is a financial advisor at RBC Capital Markets with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at TD Ameritrade and multiple sportfishing-related businesses. Outside of finance, he works as an independent contractor for Uber Eats, delivering food locally. RBC Wealth Management serves a wide range of clients including individuals, institutions, and charitable organizations, offering advisory programs with discretionary and non-discretionary portfolio management, financial planning, and brokerage services. The firm integrates in-house and third-party investment managers and provides customizable portfolio strategies tailored to clients’ risk profiles.

Benjamin Grad is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 14 years of industry experience. Prior to joining Ameriprise, he worked at First Command Advisory Services and First Command Financial Planning. He is also the owner of SFCS, Inc., a business unrelated to investment activities. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, offering tailored written recommendations on income, Social Security, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to support retirement planning, with a focus on assets held in Ameriprise-managed accounts.