Deborah Macneil is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 30 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously held roles at Invest Financial Corporation and Wells Fargo Investments. Outside of her advisory work, she is an independent consultant for Pampered Chef and co-owns a real estate management business with her spouse. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines research from Wells Fargo Investment Institute and third-party sources to evaluate investment options and offers both brokerage and advisory solutions.

Peyton Maple is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2022, Peyton worked at LPL Financial and has also been involved in academic roles at Monmouth University and Great Oak High School. Morgan Stanley Wealth Management offers a range of advisory programs for individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers both direct and employer-sponsored financial planning services.

Christopher J. Hobbs is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management. With over 30 years of experience in the financial services industry, he began his career at Edward Jones before joining Merrill Lynch in 1995. He provides Premier Wealth Management services to families, businesses, and corporate executives, utilizing the firm's extensive tools and resources to guide clients through all aspects of their financial lives. His approach focuses on addressing unique client situations with consistent, disciplined, and coordinated strategies that consider both long-term and short-term financial needs. Chris offers a broad range of services including investment and banking management, liability management, tax minimization strategies, estate planning, wealth transfer, college planning, and Rule 10b5-1 planning. He holds a Personal Investment Advisor (PIA) designation and earned his bachelor's degree from San Diego State University. His client focus includes areas such as college education planning, corporate executive services, equity compensation, retirement planning, portfolio management, and tax minimization. Beyond his professional work, Chris is involved in community activities and has volunteered and coached for several youth sports organizations in La Jolla. He has served on the board of the Foundation of La Jolla High School and the Coggan Family Aquatic Complex. In his free time, he enjoys mountain biking, skiing and snowboarding, fishing, and core training. Chris resides in La Jolla with his wife Colleen and their two children, Karynn and Connor.

Tom Nicholl is a financial advisor at Edward Jones with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he worked in the automotive industry with Mercedes Benz of San Diego and Sunroad Automotive. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory and investment services, supported by a large nationwide network of financial advisors and branch offices. The firm offers various managed strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

William Kim is a financial advisor with Cetera and holds Series 63 and Series 66 licenses, bringing 14 years of industry experience. He has worked at firms including Morgan Stanley, JPMorgan Chase, and Securian Financial Services. Outside of his advisory role, Kim serves as secretary of the Korean American Coalition San Diego and as an elected board member of the Construction Financial Management Association’s San Diego Chapter. Cetera Investment Advisers LLC provides investment advisory services through a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across a variety of program structures.

Alexander Broughton is a financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A., Hach - A Danaher Company, Equipment Depot - A Mitsubishi Company, Exterran, and Pentair. Outside of his advisory role, he serves as a power of attorney for his parents. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individual and high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

J Essman is a financial advisor with Mass Mutual Investors Services in San Diego, CA, holding the ChFC® designation with 28 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities, Inc. and Metropolitan Life Insurance Co. from 2007 to 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations through annual collaborative planning engagements.

Hernan Diaz is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked at JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting within a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research, incorporating ESG considerations and leveraging broader derivatives and commodities capabilities.

Jason Samuelsen is a financial advisor with Edward Jones in San Diego, CA, holding a Series 66 designation. He has been with Edward Jones since 2025 and has prior experience at STN Digital, Evolytics, American Century Investments, Sporting Kansas City, and Bowling Green State University. Outside of advisory work, he manages a rental property in Kansas City, MO. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of investment strategies, tax-efficient services, and affiliated financial products through a large national network of advisors and branch offices.

John Miller is a financial advisor with Ameriprise Financial Services in San Diego, CA, holding a Series 66 designation and nine years of industry experience. He has been with Ameriprise since 2017, including six years with Ameriprise Financial Services, LLC. Prior to his advisory career, he spent four years at Virginia Tech. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Yi Lu is a financial advisor at UBS Financial Services with a Series 66 designation and four years of industry experience. He has been with UBS since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to client goals.

Rodrigo Ramos is a financial advisor at UBS Financial Services with 23 years of industry experience. He has worked at UBS since 2010 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Michael Zeiger is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has worked at Cetera Advisors LLC since 2013, with prior experience at LPL Financial, Infinity Financial Services, B & C Wealth Management, and OSAIC Services, Inc. Outside of advising, he is involved in tax preparation, event security, and sells fixed insurance products including life, health, Medicare, annuities, and long-term care. Cetera Investment Advisers LLC serves a nationwide client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through various program structures and custodial relationships.

Joseph Campano is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2010, following a 16-year tenure at Merrill. Morgan Stanley Wealth Management provides investment advisory and broker-dealer services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers a range of advisory programs including estate planning and corporate financial planning agreements.

Abel Martinez is a financial advisor at Merrill with a Series 66 credential and no prior industry experience. His work history includes roles in education at several schools before joining Merrill and Bank of America in 2025 and 2026. 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers for a range of clients including individuals, pension plans, corporations, and charitable organizations.

Richard Cerruti is a financial advisor with Fidelity in San Diego, CA, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. His prior roles include positions at TD Ameritrade, Citigroup, Ameriprise, and Waddell & Reed. Outside of his advisory work, he served as a tennis coach at De La Salle High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction using a broad range of investment vehicles.

James Waddell is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. He is based in La Jolla, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients. The firm’s financial planning process utilizes structured tools and models, delivering tailored plans through its Financial Advisors and Estate Planning Strategies Group.

Mark Hyma is a financial advisor with Cetera, holding a Series 63 credential and bringing 37 years of industry experience. He has served in various roles at firms including Avantax Advisory Services and PFS Wealth Advisors and is also involved in tax preparation and management of commercial rental properties. Hyma is the president of PFS Wealth Advisors, Inc. and the CEO of PFS Acq Corporation, which oversees financial services acquisitions. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors and serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with both discretionary and non-discretionary program structures.

Damian Olivas is a financial advisor with Merrill based in San Diego, CA. He holds the Series 66 designation and has 23 years of industry experience. He has been with Merrill since 1994. 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.

Kyle Schmidt is a Financial Consultant at Fidelity Investments, where he assists clients in constructing customized financial plans tailored to their individual financial goals. He focuses on creating trusted relationships to help clients navigate everyday financial challenges and make sound investment decisions. Kyle has held several roles in the financial industry, including positions at Fidelity Investments and Natixis Investment Managers, LLC. His experience spans from investment consulting to regional directorship, reflecting a depth of knowledge in financial planning and investment management. He holds a California Insurance License. Outside of his professional work, Kyle enjoys activities such as the beach, concerts, fitness, social events, golf, and traveling.