Adawna Ruthart is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses 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 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. Their advisory process includes centralized due diligence with quantitative and qualitative analysis and may incorporate ESG criteria.

Cearra Free is a financial advisor with LPL Financial holding a Series 66 designation and has been in the industry since 2023. Her prior work experience includes roles at Trax Wealth Management, Guaranteed Rate, Supreme Lending, and JH Ranch. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory services, including financial planning, model portfolio programs, and institutional platforms, with investment strategies implemented by a large network of investment adviser representatives.

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 financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation. He has been with LPL Financial since 2026 and has prior experience in the hospitality industry, including roles at Chef Works Inc, Evans Hotels, and Fairmont Hotels. Outside of finance, he has maintained a long-term involvement with Chef Works Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, leveraging both proprietary and third-party strategies, and supports its extensive network of over 22,800 advisors with operational and research tools.

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 62 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. His prior experience includes roles at Lumena Financial Strategies, Inc., Waddell & Reed, Inc., and various insurance carriers. He has served on the Board of Governors at City of Hope since 1997 and has been involved with AYSO as a soccer referee and instructor since 1975. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment solutions through a large network of investment adviser representatives using diverse strategies and technology tools.

Alexandra Sonnenberg is a CFP® professional with six years of industry experience, currently serving at LPL Financial. She has previously worked with Commonwealth Financial Network and Cambridge Investment Research. In addition to her advisory role, she is involved in fixed insurance sales in San Diego, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

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 with 33 years of industry experience. He previously worked at Citigroup Global Markets before joining Morgan Stanley Smith Barney in 2009, where he has been active through its evolution. Outside of his advisory work, he coaches high school football at Cathedral Catholic High School as an offensive line coach. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery conversations and firm-approved tools to model outcomes, providing advisory services without individual security recommendations in standalone planning.

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 and holds a Series 66 designation. She has worked at multiple Cetera entities since 2018 and held roles at First Allied Securities and Ameriprise Financial Services. Summers serves as a board member of the Coronado Alano Club, a nonprofit organization. Cetera Investment Advisers LLC is a large SEC-registered firm supporting over 10,000 advisors and approximately 800,000 clients with a range of portfolio management, financial planning, and retirement services. The firm offers multiple program structures and access to both affiliated and third-party managers across discretionary and non-discretionary accounts.

Ronald Ceniceroz is a financial advisor with OSAIC based in San Diego, CA, holding Series 63 and Series 66 licenses and having 33 years of industry experience. He has worked with OSAIC since 2024 and previously served at Integrated Wealth Strategies Inc and SECURITIES AMERICA, Inc. He also has longstanding involvement in insurance sales dating back to 1986. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm utilizes a model-based investment approach focused on asset allocation and portfolio optimization, supported by various program options including Unified Managed Accounts and third-party money managers.

Jesus Estrada Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He has been with Wells Fargo since 2016. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party databases.

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.

Tsega Mehary is a financial advisor at Charles Schwab with 31 years of industry experience. She holds Series 65 and Series 63 licenses. Prior to joining Charles Schwab in 2023, she worked for 25 years at TD Ameritrade Inc. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 investment guidance supported by multi-asset model portfolios, centralized supervisory and custody arrangements, and access to alternative investments.

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 designations and bringing 22 years of industry experience. He worked at Edward Jones for three years before joining LPL Financial in 2010. Iverson operates under the DBA Kris Iverson, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supporting advisors with advanced research tools while overseeing over $819 billion in discretionary assets.

Dilip Gupta is a financial advisor at Wells Fargo Advisors with 38 years of industry experience. His prior work includes roles at Wells Fargo Clearing, A. G. Edwards & Sons, Inc., and Morgan Stanley DW Inc. He holds Series 63 and Series 65 licenses. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and uses Wells Fargo research and planning tools to develop tailored client recommendations.

Michael Montgomery is a financial advisor with Cetera holding a Series 66 designation and 17 years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as Thrivent Investment Management. He is based in El Cajon, CA. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.