Brian Sherwood is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and over 20 years of industry experience. He has been with Primerica Advisors since 2006 and has additional work experience at Mercury Defense Systems. Outside of investment advising, he is involved in sales of home security and automation products as well as loan product referrals through affiliated companies. Primerica Advisors primarily serves individual investors, including both non-high-net-worth and high-net-worth clients, along with corporate and charitable clients. The firm offers a wrap-fee asset management program that uses model-delivery strategies and discretionary separately managed accounts supported by third-party managers and custodians.

Ryan Franco is a financial advisor with Charles Schwab, holding a Series 66 designation and eight years of industry experience. His work history includes roles at Charles Schwab Bank SSB and Charles Schwab & Co., Inc., as well as brief positions outside finance at a restaurant and a health services agency. 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, offering a combination of non-discretionary and discretionary investment options with centralized custody and operational support.

Ronald Appling is a financial advisor at Fidelity with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has been with Fidelity Investments and its affiliate firms since 2008. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and charitable funds. The firm employs a blend of proprietary research, quantitative analysis, and algorithmic portfolio construction, with distinctive involvement in commodity pool operations and formal advisory roles to multiple funds.

Ann Barlow is a CFP® with 14 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities in San Diego, CA. Her prior roles include positions at JPMorgan Chase Bank, N.A., Argo Data Resource Corporation, Avantax Investment Services, Inc., HD Vest Investment Services, Foreside Fund Services, LLC, and American Beacon Advisors. 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. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Andrea Wright is a financial advisor at Morgan Stanley with 20 years of industry experience. She has worked with Morgan Stanley Smith Barney LLC since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients. The firm’s financial planning process uses structured discovery conversations and firm-approved planning tools, serving clients with tailored financial planning and various investment services.

Anna Harrington is a financial advisor at UBS Financial Services in La Jolla, CA, holding a Series 66 designation with one year of industry experience. She has been with UBS Financial Services Inc. since 2016. 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 uses proprietary research and asset allocation models to tailor client strategies.

Jeffrey Won is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Morgan Stanley entities since 2009, including the Private Bank since 2015. Outside of his advisory work, he owns rental properties. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers both retail and institutional investment services.

Coley Davis IV is a financial advisor with OSAIC based in San Diego, CA. He holds a Series 66 designation and has eight years of industry experience. Prior to joining OSAIC in 2024, he worked at Securities America Advisors and Cooper Financial Group. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations, offering integrated brokerage and advisory services along with access to multiple advisory platforms and third-party money managers. The firm employs various asset-allocation tools and supports both discretionary and non-discretionary account management.

Cory Schmelzer is a CFP® with 29 years of experience in the financial services industry. He is currently with OSAIC and has previously worked at San Diego Wealth Management, LLC and Sagepoint Financial, Inc. Outside of his advisory role, he serves as a board member for the Alta La Jolla Homeowners Association and owns several property management and real estate businesses. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension plans, corporations, and charitable organizations, providing brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm utilizes various asset-allocation and portfolio construction tools and offers access to third-party money managers and unified managed accounts.

Kristofer Gutierrez is a financial advisor with Edelman Financial Engines in San Diego, CA. He holds a Series 65 license and has one year of industry experience. Prior to joining Edelman Financial Engines, he worked at NYLIFE Securities LLC and New York Life Insurance Company. Outside of finance, Kristofer has held various roles in the hospitality industry. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolio management with a long-term orientation.

David Tam is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Diego, CA, holding Series 63 and Series 66 credentials and 22 years of industry experience. He previously worked at Edward Jones from 2003 to 2025. In addition to his advisory role, he is president of TWMSD LLC, a support company for Tam Wealth Management. Raymond James Financial Services Advisors serves a diverse client base, including individual investors, high-net-worth clients, pension plans, charitable organizations, and municipal entities. The firm provides financial planning and non-discretionary investment consulting, utilizing asset-allocation analysis and firm research, with a distinctive focus on advisory and implementation-support services.

Daniel Brecher is a financial advisor at Wells Fargo Clearing with 23 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank and Citigroup Global Markets. Outside of his advisory work, he owns and operates Brecher Family LLC, a nonprofit farm and animal rescue based in San Diego. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s approach is IPS-driven and includes a range of financial products such as insurance-related vehicles and bank deposit sweep options.

Richard Ward is a Certified Financial Planner (CFP®) with 19 years of experience, all spent at Edward Jones since 2007. He serves as an independent board member of Cask NX, LLC in San Diego. Edward Jones is a full-service wealth management firm that serves both individual and institutional clients with a range of investment advisory programs, managing over $1 trillion in assets through a nationwide network of financial advisors.

Adam Sinkoff is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management (MSWM) is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Randall Kilpatrick is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he rents rooms in his personal residence in La Jolla, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee.

Isaac Hansen is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. His prior roles include positions at LPL Financial, Trilogy Capital, Trilogy Financial Services, and National Planning Corporation. Hansen serves as a board member of the Western Pension & Benefits Council, focusing on pension education. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, employing both proprietary and third-party model-based strategies across multiple custody platforms.

Mark Ruyle is a financial advisor at Edward Jones with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Morgan Stanley and Allstate Insurance Co. Ruyle is based in La Jolla, CA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment options, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of financial advisors and branches.

Amer Mistry is a Certified Financial Planner (CFP®) with 21 years of industry experience, currently serving as an advisor at Edward Jones since 2006. He is based in San Diego, CA. Outside of his advisory role, Mistry serves on the finance subcommittee of Mama's Kitchen, a nonprofit organization in San Diego. Edward Jones is a full-service wealth management firm that serves individual and institutional clients with a broad range of advisory programs and investment options. The firm is noted for its extensive network of advisors and branch offices, as well as its affiliated capabilities including a trust company and proprietary mutual funds.

Jennifer Miller is a financial advisor at Morgan Stanley in La Jolla, CA, holding Series 63 and Series 66 licenses with 15 years of industry experience. She has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and models.

Huy La is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Bank of America and Merrill since 2016. Outside of his advisory role, he is the sole owner of a rental property business. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, and charitable organizations.