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 with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at Cetera Investment Services and Foresters Advisory Service. Outside of advisory work, he is active as an Airbnb host. 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, supported by a network of over 22,800 advisors and various operational tools.

Daniel Igartua is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He holds Series 63 and Series 66 designations and has worked at various J.P. Morgan affiliates since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s process incorporates centralized due diligence with both quantitative and qualitative analysis, and recommendations may include ESG criteria and affiliated investment options.

Maxwell Mccallop is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at First National Capital and various engagements related to Boise State University and Tutto Fresco Kitchen & Bar. Fidelity, through its Strategic Advisers LLC subsidiary, provides investment management and advisory services to a diverse client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary portfolios, fund advisory, and model portfolio delivery.

Caitlyn Reed is a Series 66-registered financial advisor with Equitable Advisors in San Diego, CA, where she has worked since 2021. She has five years of industry experience, including roles in education and healthcare prior to joining the firm. Reed is also involved with a local BNI networking group in San Diego. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm’s advisory approach includes matching clients to models or discretionary managers, utilizing a range of investment products and third-party program sponsors.

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®-designated financial advisor with 28 years of industry experience. He currently works at LPL Financial, having previously served at Lincoln Investment Planning for 10 years and Kestra Investment Services for 13 years. He is based in San Diego, CA. 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 provides advisory and brokerage services through a broad network of representatives, offering financial planning, model portfolios, third-party asset management, and institutional platforms.

Kevin Appelbaum is a financial advisor at OSAIC with 30 years of industry experience. His prior roles include positions at Woodbury Financial Services, LPL Financial, J.P. Morgan Securities, Chase Investment Services, Merrill, Banc of America Investment Services, and Wamu Investments. He holds a Series 63 designation. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, with access to discretionary and third-party manager strategies.

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.

Joseph Tacto is a financial advisor with Charles Schwab based in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has worked at Charles Schwab since 2023 and maintains long-term affiliations with New Vision International and A.L. Williams. Outside of finance, he works in retail sales at Nordstrom. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by a large, integrated operational structure.

Rob Sanders is the Vice President, Wealth Planner at Fidelity Investments. He has been with Fidelity since 2012, holding various roles including Investment Consultant, Financial Consultant, Investment Solutions Consultant, and currently serving as a Wealth Planner since 2022. His professional experience centers on wealth planning and investment consulting. Rob holds insurance licenses in Arkansas and California. He emphasizes experience, dedication, and integrity in his work, aligning with Fidelity's brand, ethics, and access. Outside of his professional responsibilities, Rob's personal interests include cars, cooking and baking, family activities, parenthood, sailing, and soccer.

Nicholas Schoettle is a CFA® charterholder and holds a Series 66 license, with four years of experience in the financial services industry. He currently serves as an associate at Schoettle Financial and works with Cetera since 2022. Outside of his advisory role, he is the treasurer for Casa de los Pobres USA, a nonprofit organization based in San Diego. Cetera Investment Advisers LLC is an SEC-registered firm that provides a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and retirement services. The firm serves a broad client base including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts.

Scott Hoxie is a Series 66 credentialed financial advisor with 19 years of industry experience. He is currently with Cetera and has previously worked at First Allied Advisory Services, Inc. He serves as a board member for the Pacific Psychology Center, a nonprofit organization. Cetera Investment Advisers LLC supports a large network of independent advisors and serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management, financial planning, and retirement services through various program structures and third-party managers.

Alexander Golu is a financial advisor at Merrill with one year of industry experience and holds a Series 66 designation. Prior to joining Merrill in 2026, he worked at Equitable Advisors, LLC for one year. His background also includes roles in education at various schools and San Diego State University. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Karrin Ryan is a financial advisor at UBS Financial Services with 29 years of industry experience. She holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing and Prudential Equity Group prior to joining UBS in 2022. Ryan serves as a board member of the Rest Haven Children's Health Fund, a charity that reviews grant requests for children in need of medical or health funding. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and leveraging proprietary research and model-based asset allocations to tailor client plans.