Alberto Nunez is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at Fidelity and TD Ameritrade. He has been with J.P. Morgan in various capacities since 2014. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering customized asset allocation advice, manager searches, and performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

Keith Baham is a financial advisor at Fidelity with 19 years of industry experience. He holds a Series 66 designation and has worked at several firms including Encompass More, Massmutual, and Edward Jones. He is currently based in San Diego, CA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across a diverse range of mutual funds, ETFs, and ETPs.

Michael Jackson is a financial advisor at Edward Jones in El Cajon, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he was self-employed at Jackson Consulting, Inc. and worked at Marsh & McLennan Agency for 12 years. Outside of his advisory role, he serves as the Head Women’s Golf Coach at Patrick Henry High School. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory and investment services, supported by a nationwide network of over 23,000 financial advisors and $1 trillion in assets under management.

Nicholas Maly is a financial advisor with Fidelity, holding a Series 66 designation and 14 years of industry experience. He has worked at various Fidelity entities since 2013, including Fidelity Personal and Workplace Advisors since 2018. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios using mutual funds, ETFs, and ETPs.

Eva Murdock is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by data-driven tools and invests approximately $2.74 trillion in client assets.

Edgard Martinez is a financial advisor at Charles Schwab with two years of industry experience. He holds Series 63 and Series 66 licenses and has prior work experience at Convoy Home Loans, Global Equity Finance, Academy Mortgage, and Gold Star Mortgage Financial. 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Adawna Ruthart is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63, 65, and 66 registrations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2013, with additional experience at Truist Advisory Services and related entities. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Cearra Free is a financial advisor with LPL Financial, holding a Series 66 designation and beginning her advisory career in 2023. Her prior work experience includes roles at Trax Wealth Management, Guaranteed Rate, Supreme Lending, JH Ranch, and Bike Lab Customs. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, brokerage services, and utilizes model portfolios and research from multiple sources.

David Gillaspy is a financial advisor with Raymond James & Associates in San Diego, CA, holding Series 63 and Series 66 licenses and with 26 years of industry experience. He previously worked at Madison Avenue Securities, Inc. for nine years and has been associated with multiple Raymond James entities since 2022. In addition to his advisory role, he maintains a non-active California real estate sales agent license. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Christopher Weber is a financial advisor with Cetera, holding CFP® and ChFC® designations and the Series 66 license. He has 17 years of industry experience, including prior roles at Independent Financial Group, LLC. Weber is also licensed to sell fixed insurance products in a minimal capacity. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base with services including portfolio management, financial planning, and retirement plan consulting. The firm offers a multi-manager platform with access to affiliated and unaffiliated managers and manages over $256 billion in assets through a network of more than 10,000 advisors.

Eric Dahl is a Series 66 registered advisor with LPL Financial in San Diego, CA, where he has been since 2026. He has prior experience in the hospitality industry, including roles at Chef Works Inc, Evans Hotels, and Fairmont Hotels. His other business activities include his ongoing role at Chef Works Inc. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, financial institutions, corporations, and charitable organizations. The firm provides a range of advisory programs, financial planning, and brokerage services, supported by research and technology across discretionary and non-discretionary management approaches.

Eric Wasmuth is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in helping clients achieve financial confidence through a disciplined and tax-efficient approach to portfolio management, as well as by assisting with wealth transition strategies designed to pass on legacy assets to the next generation. Eric’s expertise includes college education planning, divorce transition planning, family wealth management strategies, employee financial health, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and tax minimization. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Eric earned his bachelor’s degree from the University of California System. Outside of his professional duties, Eric enjoys boxing, camping, golfing, swimming, tennis, and spending time with his family. His approach to wealth management centers on understanding clients’ life priorities to create personalized plans tailored to their goals and aspirations.

Peter Fink is a CFP® professional with over 60 years of industry experience, currently advising at LPL Financial since 2021. His prior experience includes roles at Lumena Financial Strategies, Waddell & Reed, and SKLUTH Trust. He has served on the Board of Governors for City of Hope since 1997 and has been involved with AYSO as a soccer referee and instructor since 1975. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers diverse advisory programs, financial planning, and retirement consulting through a national network of investment adviser representatives.

Malik Olatunde is a financial advisor at Fidelity with Series 63 and Series 65 licenses and one year of industry experience. His prior work includes roles at Northwestern Mutual and Guaranty Trust Bank Plc. He previously managed a business, MBOLAT Properties Inc, from 2020 to 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a systematic investment process that combines fundamental research with quantitative analysis and algorithmic portfolio construction.

Keith Sippy is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 63 designation and 32 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets. Outside of his advisory role, he serves as an offensive line coach for Cathedral Catholic High School's football team. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and a range of investment services supported by firm-approved tools and models.

Thania Sotelo is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior work includes positions at Bank of America and Prospera Financial. Outside of advising, she owns and manages two small businesses: an e-commerce company and a photo booth and 360 video service for events. 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 a range of individual and institutional clients.

Anne Summers is a financial advisor at Cetera with 11 years of industry experience. She holds a Series 66 designation and has worked across several Cetera entities since 2018, including Cetera Wealth Services, LLC. Summers serves as a board member for the Coronado Alano Club, a nonprofit organization. Cetera Investment Advisers LLC is an SEC-registered adviser serving a diverse client base, including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to both affiliated and third-party managers.

Ronald Ceniceroz is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Integrated Wealth Strategies Inc. and Securities America, Inc. He also owns an insurance business focused on medical insurance sales. OSAIC serves a diverse range of clients, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

Jesus Estrada Jr. is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. He has worked at Wells Fargo Advisors, LLC from 2007 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. Their approach is IPS-driven and grounded in modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options within their investment menus.

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.