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.

Mark Allen is a Planning Consultant within the Wealth Management Team at Fidelity Investments, a role he has held since 2025. He works closely with clients to develop financial strategies tailored to their individual situations, emphasizing trust and openness throughout the process. Prior to this, Mark served as a Relationship Manager at Fidelity Investments from 2024 to 2025 and began his career there as a Financial Representative in 2023. Mark holds a California Insurance License, supporting his expertise in financial planning and client advisory services. Outside of his professional work, he has interests in cars, fitness, gardening, motorcycles, pets, and tennis.

Stephan Kungl is a financial advisor at Merrill with 10 years of industry experience. He holds a Series 66 designation and has worked at Bank of America and Merrill since 2017, with prior experience at Wells Fargo Clearing and Wells Fargo Advisors. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Olivia Zuniga is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and four years of industry experience. She previously worked at Jackson Hewitt and has been with Merrill since 2020. Olivia serves as secretary on the board of the Monte Vista High School PTSA. 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 a range of model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Morgan is a financial advisor at LPL Financial with two years of industry experience. He holds a Series 65 designation and has previously worked at Cetera and Avantax Advisory Services. In addition to his advisory role, he serves as a Tax Manager at Stern, Kory, Sreden and Morgan, an accountancy corporation, where he manages tax preparation, financial statement preparation, and tax planning. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, and institutions. The firm supports its network of over 22,800 advisors with model portfolios, third-party asset management, and a variety of investment strategies across discretionary and non-discretionary accounts.

David Mcquade is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He previously worked for Northwestern Mutual Investment Management and Northwestern Mutual Life Insurance Company for 22 years. Outside of his advisory role, he is involved with a private wealth business affiliated with LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment management solutions, utilizing proprietary research, third-party subadvisors, and advanced advisor tools to support portfolio strategies.

Victor Galvez is an International Wealth Advisor and Portfolio Manager at Merrill Lynch Wealth Management. He specializes in serving ultra high net worth clients, providing personalized wealth management and investment planning services with a focus on international wealth management, family wealth strategies, and retirement planning. Victor holds a Bachelor's Degree from the University of San Diego and holds professional designations including Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). His expertise encompasses areas such as philanthropic planning, socially responsible and values-based investing, and tax minimization. He is active in the industry through roles such as Chair of the International Wealth Advisor Advisory Council To Management in 2022, and participation in the Hispanic Latino Advisory Council and Hispanic Latino Business Council in San Diego. Outside of his professional responsibilities, Victor enjoys antiquing, biking, boating, golfing, hiking, running, scuba diving, skiing, yoga, and spending time with his family.

Eric Runyon is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 65 and Series 63 licenses and six years of industry experience. His prior roles include positions at JPMorgan Chase, Prudential, Northwestern Mutual, and New York Life. Outside of his advisory work, he serves as a volunteer board member for the San Diego Rancho La Cresta Homeowners Association. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions, managing roughly $671 billion in assets through more than 14,000 financial advisors.

Gregg Patenaude is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with LPL Financial since 2008, following a year at Edward Jones. 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, supported by various operational and research tools for its network of over 22,800 advisors.

Ivan Jones is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms, including The Prudential Insurance Company of America, Pruco Securities, and Guardian Life Insurance Company. Outside of finance, Ivan is involved in fitness coaching and works as a rideshare driver. LPL Enterprise serves a broad client base that includes individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm primarily employs a model-driven investment approach and provides financial planning, access to third-party asset managers, and brokerage services through a large network of investment adviser representatives.

Ryan Campbell is a financial advisor at J.P. Morgan Securities with a Series 66 designation and experience in the financial industry since 2018. His prior roles include positions at Wells Fargo Bank, First Republic Bank, JPMorgan Chase Bank, and Gap Inc. Before entering finance, he worked at Hobie Surf Shop for six years. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Madeleine Ennis is a financial advisor at Fidelity with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Fidelity, she held various roles including positions at Villanova University and Roland Park Country School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios that include mutual funds, ETFs, and ETPs.

Ahmed Elkaray is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing personalized financial advice and guidance designed to help clients achieve their financial goals. Ahmed assists individuals and families in areas such as retirement planning, wealth growth, education planning, and navigating significant financial decisions. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation, the Chartered Retirement Planning Counselor (CRPC) certification, and the Personal Investment Advisor (PIA) credential. Ahmed earned a Bachelor's Degree from Cairo University and a Master of Business Administration (MBA) from Lincoln University. He is fluent in both English and Arabic. Outside of his professional work, Ahmed enjoys golfing, hiking, reading, soccer, traveling, and spending time with his family.

Jana Gingerich is a financial advisor at LPL Financial with 11 years of industry experience. She holds the ChFC® designation and Series 66 license. Her prior experience includes roles at Ameriprise Financial Services, Inc., Wells Fargo Clearing, and RBC Capital Markets. Outside of her advisory work, she is also a licensed notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm supports a range of clients, including individuals and institutions, offering financial planning, model portfolios, third-party asset management, and participant-level retirement advice, with a focus on combining operational tools and oversight across extensive financial services.

Sophia Abrams is a financial advisor at Merrill with a Series 66 credential and five years of industry experience. Her work history includes roles at Bank of America, Merrill, Wells Fargo, and teaching positions at Northern Arizona University, Chandler-Gilbert Community College, and Paradise Valley Community College. She also has experience with Wasted Grain. 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 strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm utilizes a range of strategic and tactical asset allocation approaches and supports tax-aware investment strategies.

Dustin Grimm is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity for over a decade, working in various capacities including Financial Consultant, Investments Representative, and Financial Representative. Prior to joining Fidelity, he worked as a Personal Banker at Bank of America from 2006 to 2008. Dustin's experience spans wealth planning and working with clients and families in diverse financial situations. He holds a California Insurance License, supporting his work in financial consulting and planning. He is committed to helping clients pursue their financial goals through comprehensive wealth planning services.

Joseph Morse II is a CFP® professional with 33 years of experience in the financial industry. He has worked at LPL Financial since 2019 and previously held roles at Wells Fargo Advisors Financial Network LLC and Citigroup Global Markets. He also operates a wealth management business affiliated with his LPL practice in La Mesa, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Julio Olague is a Series 66-licensed financial advisor with LPL Financial in San Diego, CA, with five years of industry experience. He has worked at LPL Financial since 2018, following positions at Aerotek and Allstate. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.