Tsega Mehary is a financial advisor at Charles Schwab with 31 years of industry experience. She holds the Series 65 and Series 63 credentials and has worked at Charles Schwab & Co., Inc. since 2023, following a 25-year tenure at TD Ameritrade Inc. Charles Schwab & Co., Inc. serves a large client base, 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 mix of non-discretionary and discretionary advisory solutions supported by multi-asset model portfolios, centralized custody, and a formal alternative-investment onboarding process.

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 licenses and 22 years of industry experience. He has been with LPL Financial since 2010. Iverson operates a separate business entity, Kris Iverson, Inc. 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 broad range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by in-house and third-party research.

Dilip Gupta is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with Wells Fargo Advisors and its affiliates since 2009. Outside of his advisory role, he owns and serves as a trustee for San Diego Advisors, Inc., where he facilitates practice activities and manages the associated pension plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm offers tailored recommendations supported by proprietary research and planning tools, with optional implementation through brokerage or advisory programs.

Xavier Ortiz Mena is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 26 years of industry experience. He has been with UBS Financial Services since 2010 and with UBS International Inc. since 2006. Outside of his advisory role, Mr. Ortiz Mena is involved in several car and van rental businesses, serving as proprietor and partner in various related companies. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, providing a broad range of investment and capital markets solutions.

Michael Montgomery is a Series 66 licensed financial advisor with 17 years of industry experience. He has worked at firms including JPMorgan Chase Bank, N.A., Citigroup, and Thrivent Financial for Lutherans. He is currently affiliated with Cetera in El Cajon, CA. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services through a multi-manager platform featuring both affiliated and third-party managers.

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.

Bradley Berman is a financial advisor at Edward Jones with 25 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. Prior to joining Edward Jones, he spent 20 years at Reilly Financial Advisors, LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory strategies and investment products supported by a nationwide network of over 23,000 advisors and manages approximately $1.01 trillion in assets under management.

Evan Cantalupo is a financial advisor at LPL Financial with 11 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Cetera Investment Services and Foresters Financial Services. Outside of advising, he is also an active Airbnb host in San Diego. 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 advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from both internal and third-party sources.

Daniel Igartua is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan Chase entities since 2011. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis with a centralized due-diligence framework.

Maxwell Mccallop is a financial advisor at Fidelity with a Series 66 designation and three years of industry experience. His prior work includes roles at First National Capital and various non-financial positions, such as employment at Tutto Fresco Kitchen & Bar and teaching at Boise State University and Tesoro High School. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a systematic investment process that combines fundamental research, quantitative analysis, and algorithmic portfolio construction using mutual funds, ETFs, and ETPs.

Caitlyn Reed is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 license and four years of industry experience. Prior to joining Equitable Advisors in 2021, she worked at the University of California, Davis and Health Evolution. She is involved with the BNI Networking Group in San Diego. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm employs a hybrid referral and implementation model, offering both advisory and brokerage/insurance services tailored to client goals and risk tolerance.

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® professional with 28 years of industry experience, currently serving at LPL Financial since 2024. He previously spent 10 years at Lincoln Investment Planning. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs, including discretionary and non-discretionary management, supported by research and model portfolios from multiple sources.

Kevin Appelbaum is a financial advisor at OSAIC with 29 years of industry experience. He holds a Series 63 designation and previously worked for Woodbury Financial Services, Inc. for 11 years. His other business activities include selling fixed insurance products and working with long-term care insurance through a sole proprietorship. OSAIC serves a diverse client base, including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory services and utilizes various tools and third-party platforms to construct and manage portfolios across multiple asset classes.

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.