Emilia Rivera is a financial advisor at Morgan Stanley with seven years of industry experience. She previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA, and earlier in her career at Skechers U.S.A. She holds the Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers tailored financial planning and manages approximately $2.74 trillion in client assets, using firm-approved tools and methodologies to support its advisory services.

Ryan Rose is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 15 years of industry experience. His prior roles include positions at Cetera and Foresters Financial Services. In addition to his advisory work, he is involved in group insurance through Chubb. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Alexander Voils is a financial advisor at Raymond James & Associates with 17 years of industry experience. He previously worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC. He holds Series 63 and Series 66 licenses. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and municipal clients. The firm offers tailored financial plans and asset-allocation analyses through its Wealth Advisory Services Program and delivers institutional consulting via its Institutional Fiduciary Solutions division.

Chris Jalonen is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked for Sagepoint Financial, Inc. for 14 years. He also sells life and health insurance on a limited basis, primarily to existing clients. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable organizations through a large network of affiliated advisers. The firm offers a range of brokerage and advisory services with integrated portfolio management tools and access to third-party money managers.

Harvey Frank is a financial advisor at Stifel with 35 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2015. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach incorporates proprietary capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Jeffrey Hoehner is a financial advisor with Cetera, holding the Series 66 designation and bringing 20 years of industry experience. He has worked at Cetera and its related entities since 2020 and previously spent seven years at WBB Securities. Outside of advising, he is also involved in the sale of fixed insurance products, including life and annuities. Cetera Investment Advisers LLC is an SEC-registered firm that serves a broad range of clients, including individuals, retirement plans, corporations, and institutional accounts. The firm offers multi-manager investment platforms with discretionary and non-discretionary portfolio management, financial planning, and access to affiliated and third-party money managers across various program structures.

Lawrence Potomac is a financial advisor with LPL Financial in San Diego, holding Series 63 and Series 65 credentials and 46 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved in life and disability insurance as well as fixed annuities. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations, offering financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management and incorporates research from various sources to support diversified investment strategies.

Danielle Stanton is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 65 licenses and over 32 years of industry experience. She has been with LPL Financial and its predecessor firms since 1999. Outside of her advisory role, she is involved in direct sales through Plunder Designs Jewelry and participates in a residential care business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Michael Heidtbrink is a financial advisor with Thrivent Investment Management in Santee, CA, holding Series 63 and Series 66 licenses and 35 years of industry experience. He has been with Thrivent Financial for Lutherans and Thrivent Investment Management since 2002. Outside of his advisory work, he serves as a lay minister at Atonement Lutheran Church, assisting with monthly communion services and participating in church board meetings. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based analyses and written recommendations across a broad range of financial planning topics. The firm offers these services through a network of advisors but does not provide discretionary trading authority or institutional portfolio management.

Philip Bresnick is a financial advisor at Morgan Stanley with 42 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 1983, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank. He holds Series 63 and Series 65 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a financial planning process that uses structured discovery conversations and firm-approved tools.

Scott Kramling is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 15 years of industry experience. His prior roles include positions at California Credit Union, CUSO Financial Services, Bank of America, Merrill, John Hancock Financial Network, and the American Red Cross. Ameriprise provides a retirement-income planning service tailored to individuals nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver customized recommendation reports through a centralized consulting team.

Amanda Haack is a financial advisor at Merrill with 17 years of industry experience. She holds the Series 66 designation and has worked with Bank of America, N.A. and Merrill since 2016 in San Diego, CA. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm is integrated within Bank of America’s broader platform, providing access to a wide set of products and services.

Eric Volinsky is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 28 years of industry experience. Prior to joining Charles Schwab in 2022, he worked at TD Ameritrade from 2010 to 2022. Outside of his advisory role, he owns a rental property in San Diego. Charles Schwab & Co., Inc. serves primarily 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, combining a scaled, integrated operational model with multi-asset portfolio management and alternative investment options.

Juan Cabanas serves as the Senior Resident Director and International Wealth Advisor at Merrill Lynch Wealth Management's San Diego international office. He has over 28 years of experience in wealth management, specializing in family wealth management, international wealth management, liquidity management, managing new wealth, personal retirement planning, and portfolio management services. Juan holds the title of Managing Director, the highest designation a financial advisor can achieve at Merrill Lynch. Juan began his career in 1995 at PaineWebber and has since worked with Citi-Smith Barney, UBS, and Merrill Lynch Wealth Management since 2010. He holds FINRA Registrations 7, 9, 10, and 66, and the Personal Investment Advisor (PIA) designation. Juan earned both his bachelor's and master's degrees in International Business from the University of San Diego. Fluent in Spanish and English, Juan balances his professional expertise with personal interests such as biking, boating, music, running marathons, scuba diving, skiing, soccer, swimming, and traveling. He is married and a father of three grown children.

David Brookes is a financial advisor at OSAIC with 36 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Sagepoint Financial, Inc. since 2009. Outside of his advisory role, he owns a sole proprietorship focused on term life insurance and variable annuities. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services with a range of portfolio management tools and third-party investment solutions.

Jane Fitzpatrick is a Series 66 credentialed financial advisor with Morgan Stanley, based in San Diego, CA. She has 44 years of industry experience and has been with Morgan Stanley Smith Barney LLC since 2009, working at Morgan Stanley Private Bank, N.A. since 2016. Morgan Stanley Wealth Management provides a wide range of advisory programs to both individual and institutional clients, including tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools that incorporate market estimates and modeling techniques.

Jolene Weston is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 license with 16 years of industry experience. She has been with Morgan Stanley since 2010. Outside of her advisory role, she serves as a board member for the Solara Lofts Homeowners Association, where she helps oversee community operations and budget management. Morgan Stanley Wealth Management provides investment advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process employs structured discovery and firm-approved tools, supporting a broad range of retail and institutional clients.

Coley Davis III is a financial advisor at OSAIC with 37 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Securities America Advisors, Securities America, Inc., and Cooper McManus. Outside of his advisory role, he serves as President of CB Financial Ins Services Inc., which provides fixed insurance sales and investment-related retirement planning services. OSAIC Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services along with access to third-party money managers and managed account solutions. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that include a variety of asset classes, managing accounts on both discretionary and non-discretionary bases.

Christine Dellacato is a financial advisor with Cetera in La Mesa, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. Her work history includes roles at Cetera Wealth Services, Summit Financial Group, and Iron Blue, LLC. She serves on the board of management for the East County Family Y. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with discretionary and non-discretionary program options.

Adam Talman is a financial advisor with Edward Jones in San Diego, CA. He holds the Series 66 designation and has been with Edward Jones since 2026. Prior to joining Edward Jones, he worked at Paychex and held various positions across multiple industries. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory strategies, alongside affiliated mutual funds and tax-efficient services.