Michael Donaldson is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Co., Inc. since 2022, following an eight-year tenure at TD Ameritrade Inc. 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 alongside discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Tyler Tong is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at LPL Financial since 2018 and previously held roles at James Haug, Nina Peles Inc, East Village Tax, various insurance carriers, and Waddell & Reed. Outside of advisory work, he is the owner of East Village Tax and serves as a quality review lead at Intuit in tax preparation and accounting. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, and institutions. The firm supports a wide range of investment approaches and integrates various operational and research tools while overseeing substantial discretionary assets and a large advisor network.

Jorge Guerra is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory work, he is an author of a children's book. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and advanced modeling tools, offering tailored solutions while generally acting in an advisory capacity.

Dylan Miller is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has prior experience working in the restaurant and education sectors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured discovery processes and advanced analytical tools.

Amber Reams is a financial advisor with Osaic Wealth and holds Series 66 and Series 63 licenses. She has 13 years of industry experience, including prior roles at Commonwealth Financial Network, LPL Financial, Cetera Advisor Networks, Girard Securities, and Financial Planning Department, Inc. Outside of advising, she is involved in accounting and tax preparation through Financial Planning Department, Inc. Osaic Wealth serves a diverse client base ranging from individual and high-net-worth investors to institutions, providing brokerage and investment advisory services, financial planning, retirement plan consulting, and access to managed accounts. The firm employs a variety of asset-allocation tools and integrates multiple advisory platforms, including third-party money managers and wrap programs.

Emily Shipcott is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and has a diverse work background including roles with the San Diego Padres, Seattle Mariners, and Amazon. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 advisors, offering a range of advisory programs and investment strategies under a fiduciary standard.

Gregory Roel is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1999 and brings over 20 years of experience in the financial services industry. Greg holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and a certificate in Personal Financial Planning from San Diego State University. Prior to his career in financial services, he worked as a national sales manager for a privately held textile chemical company. Greg is a native of San Diego and resides in La Mesa with his wife, Rebecca, and their daughter, Jessica. He holds a High School Diploma from Patrick Henry and maintains the Professional Investment Advisor (PIA) designation.

Ramona Delarosa is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. She has worked across several Cetera entities since 2018 and has prior experience in wellness and dental fields. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets with a network of more than 10,000 advisors.

Calen Ketcham is a financial advisor at Raymond James Financial with four years of industry experience. He holds Series 66 and Series 63 designations and previously worked at Commonwealth Financial Network and Everyday California. In addition to his advisory role, he serves as a Senior Client Service Representative at The Manning Companies. Raymond James Financial Services Advisors, Inc. provides tailored financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutions. The firm uses analytical tools such as risk profiling and probability modeling to support non-discretionary planning and investment consulting.

Darryle Grimes is a financial advisor with Ameriprise Financial Services in San Diego, CA, holding a Series 66 credential and with 10 years of industry experience. Prior to joining Ameriprise, he worked at First Command Advisory Services and related entities for six years. He serves as Treasurer on the Board of Directors for the Military Officers Association of America, Miramar Chapter. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Amy Horsley is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has previously worked at TD Ameritrade and Bank of America. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jose Aguilar is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides 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 offers a structured planning process supported by firm-approved tools and modeling techniques.

Isabelle Stad is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and beginning her advisory career in 2024. Prior to joining Morgan Stanley, she held positions at Gravity Advisors and worked in various educational roles at UC San Diego and other institutions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by comprehensive planning tools and investment modeling.

Joseph Pitrofsky Jr. is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory work, he is involved in property management through ownership and partnership in rental property ventures. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutions, including tailored financial planning supported by firm-approved tools and investment committee resources. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Sergio Pedro Perez is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 licenses. His prior experience includes roles at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Merrill, along 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Michael Daudet is a financial advisor at Edward Jones with 10 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2016. Outside of his advisory role, he serves as the president of the BNI Alive San Diego chapter. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Amr Nada is a financial advisor at Merrill with 11 years of industry experience and a Series 66 designation. He has been affiliated with Merrill since 2011 and Bank of America, N.A. since 2014. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Cesar Bravo Berumen is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and beginning his advisory career in 2023. He has prior experience at Bank of America and held various roles at several other companies and institutions, including the University of California San Diego. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jose Covarrubias is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012. Prior to his current roles, he was employed at Uber and Lyft from 2015 to 2017. J.P. Morgan Securities 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 large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering services on a non-discretionary basis while employing a centralized due-diligence framework.

Nicolle Hudachek is a financial advisor with Robert W. Baird & Co., holding a Series 66 designation and bringing 20 years of industry experience. She has been with Robert W. Baird since 2012. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The team provides tailored consulting and portfolio services, including financial planning and discretionary management, employing a variety of investment strategies and overlay services.