Javier Malfavon is an International Wealth Advisor currently serving as a Vice President at Merrill Lynch Wealth Management. He began his career in 2006 at UBS and joined Merrill Lynch in 2010. Javier has over a decade of experience in the financial services industry, holding FINRA Registrations 7 and 66, a California Insurance License, and the CERTIFIED FINANCIAL PLANNER® certification awarded by the Certified Financial Planner Board of Standards, Inc. Born in Guadalajara, Mexico, Javier earned a Bachelor of Arts in International Business from ITESM, Guadalajara. He further obtained a Master's degree in Globalization and Development from The University of Warwick in the United Kingdom in 2005. Javier is trilingual, fluent in English, Spanish, and French. His expertise includes family wealth management strategies, international wealth management, managing new wealth, personal retirement planning, and serving clients in sports and entertainment sectors. Outside of his professional duties, Javier has interests in hiking, racquetball, soccer, tennis, traveling, and yoga.

Damian Sanchez is a financial advisor at Merrill with nine years of experience, including five years in the industry. He holds a Series 66 designation and previously worked at Central Casting. Merrill, alongside 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.

Michelle Balatero is a CFP® professional with 16 years of industry experience, currently affiliated with LPL Financial. Her prior experience includes roles at TD Ameritrade and First Command Brokerage Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, participant-level retirement advice, and institutional platforms.

Jennifer Kruger is a Certified Financial Planner (CFP®) with over 21 years of industry experience. She is currently with Fidelity Investments, where she has worked since 2006 in various roles including brokerage services and advisory. Jennifer is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary and non-discretionary portfolios, including fund advisory and model portfolios.

Chad Anderson is a financial advisor at Cetera with 20 years of industry experience and holds a Series 66 designation. He has worked at various Cetera entities since 2016 and was previously employed at First Allied Advisory Services, Inc. and First Allied Securities. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, supporting both discretionary and non-discretionary accounts.

Kevin Mayer is a Wealth Management Advisor affiliated with Merrill Lynch Wealth Management. He works with a diverse client base, including active and retired physicians and business owners, many of whom are members of the LGBTQ community, across San Diego, California, and over ten other states. His advisory services focus on areas such as corporate benefits, family wealth management strategies, services for defined benefit plans, LGBT wealth planning, personal retirement planning, socially responsible investing, and tax minimization. Kevin holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation, awarded by the Certified Financial Planner Board of Standards, Inc., and is a Personal Investment Advisor (PIA). He earned his Bachelor's degree from the University of Phoenix. Leveraging his banking background and comprehensive expertise, Kevin develops multi-pronged strategies that include risk-managed investing, retirement planning, estate planning, insurance, Social Security and Medicare planning, as well as long-term care considerations. He emphasizes educating clients and works collaboratively to align financial plans with their goals and values. In addition to his professional activities, Kevin is involved with the Financial Planning Association and volunteers for San Diego Pride. He enjoys adventure sports, skiing, spending time with his family, and traveling.

Maria Maldonado is a Series 66-registered financial advisor with UBS Financial Services in San Diego, CA, and has 11 years of industry experience. Her career includes over a decade at UBS, interrupted by a brief tenure at AlphaCore Wealth Advisory. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and offers a broad range of capital markets and advisory solutions.

Leo Walker Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and bringing 33 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering a range of services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for discretionary management and a broad investment menu that includes insurance-related vehicles and bank deposit sweep options.

Mitra Rafii is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Daniel Fuentes is a Series 66-registered financial advisor with Charles Schwab, based in San Diego, CA, and has two years of industry experience. His prior work includes roles at Mutual of Omaha and Pacific Home Care, as well as five years in full-time education. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios backed by research from the Schwab Center for Financial Research.

David Jones is a Series 66 licensed financial advisor at Edward Jones with 10 years of industry experience. He has been with Edward Jones since 2015, working in El Cajon, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Steven Simmons is a financial advisor with Osaic Wealth, Inc. in San Diego, CA. He holds Series 63 and Series 65 credentials and has 29 years of industry experience. Prior to joining Osaic in 2023, he worked at AIG Financial Advisors for 21 years. His outside activities include providing estate planning services and mortgage origination loans. Osaic Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with a focus on asset allocation tools, risk assessment, and a broad range of investment options across multiple platforms.

Rachel Arendt is a financial advisor with UBS Financial Services in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. She has been with UBS since 2016. Outside of her advisory work, she owns and manages rental properties. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, employing proprietary research and model-based asset allocations to tailor portfolios. The firm integrates institutional trading capabilities with wealth management, offering a wide range of financial products and services.

Maria Granlund is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services and Morgan Stanley. Outside of her advisory role, she serves as a Notary Public in San Diego County, California. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm combines research from Wells Fargo Investment Institute with a broad range of brokerage and advisory solutions.

Anthony Richardson is a financial advisor with LPL Financial in San Diego, CA, holding Series 63, Series 65, and Series 66 licenses and nine years of industry experience. His prior roles include positions at Grove Point Investments, CUSO Financial Services, Charles Schwab & Co., and TD Ameritrade Institutional. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with various investment strategies and operational tools.

Fernando Vivanco is a Series 66-licensed financial advisor with Merrill in San Diego, CA, with nine years of industry experience. He has been associated with both Merrill and Bank of America since 2011. Outside of his advisory role, Vivanco is involved in personal music production and songwriting, where he plays instruments, writes songs, and posts music on various streaming platforms. 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 a range of model-based and discretionary investment strategies for individuals, institutions, and charitable organizations.

Vicente Cesar Gonzalez is a financial advisor at Primerica Advisors with Series 65 and Series 63 credentials and one year of industry experience. Prior to joining Primerica, he worked at GA-ASI and has been self-employed in the past. Outside of his advisory work, he is the owner of StarryBell, LLC, a non-investment related business based in San Diego, CA. Primerica Advisors sponsors a wrap-fee asset management program that primarily serves individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm employs model-driven investment strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Jeramy Larson is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets starting in 2006. Outside of his financial career, he co-owns a photography business with his spouse. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering a range of retail and institutional investment services.

Mary Hoffman is a financial advisor at Edward Jones with eight years of industry experience. She has been with Edward Jones since 2017 and previously worked at Vistage Worldwide. Mary holds a Series 66 designation. 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 programs with a fiduciary standard and manages approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.

Eugene Plahotnii is a financial advisor at UBS Financial Services with nine years of industry experience. He holds the Series 66 designation and has worked at firms including Wells Fargo Clearing, Avantax Advisory Services, FSC Securities Corp, and ATS Advanced Trustee Strategies. Eugene is based in San Diego, CA. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor client plans. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant operations and market-making activities.