Dakota Jacobsen is a Financial Advisor at Merrill Lynch Wealth Management. He joined the Temecula Group in 2022, focusing on providing personalized investment guidance and financial planning to clients. He holds the CERTIFIED FINANCIAL PLANNER® (CFP) designation, awarded by the Certified Financial Planner Board of Standards, Inc., and is also a Personal Investment Advisor (PIA). Dakota earned his Bachelor's Degree from the California State University System. Outside of his professional work, Dakota has interests in running, soccer, and traveling.

Cynthia Ruvalcaba is a financial advisor at Morgan Stanley with 21 years of industry experience. She holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Investments. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and delivers services through its Financial Advisors and Estate Planning Strategies Group.

Rafael Gutierrez Balderrabano is a financial advisor at Morgan Stanley with 16 years of industry experience. He has been with Morgan Stanley since 2016 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Monte Carlo simulations to support its services.

Shannon Clancy is a financial advisor at LPL Financial with one year of industry experience. She holds the Series 66 designation and has previously been involved with organizations including Plan to Prosper and the Coronado Historical Association. Her prior roles reflect involvement in both consulting and community organizations. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Jay Mahajan is a financial advisor with Wells Fargo Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His career includes prior roles at Wells Fargo Clearing, Wells Fargo Investments LLC, and Citigroup Global Markets. Outside of his advisory work, he serves as Chair of the Endowment Committee at Catlin Gabel School, where he participates in investment oversight and portfolio management. Wells Fargo Advisors Financial Network offers investment and financial planning services to individuals, trusts, and institutions, providing tailored recommendations supported by firm research and planning tools. The firm serves clients with a broad planning menu that includes specialized services such as business-owner transition and special-needs analysis.

Michael Rundlett is a CFP®-certified financial advisor with 35 years of industry experience, currently affiliated with LPL Financial since 1993. He provides small business consulting services outside of his advisory role. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions, employing both proprietary and third-party strategies across discretionary and non-discretionary platforms.

Victor Guzman Lopez is a financial advisor with UBS Financial Services, holding a Series 66 designation and three years of industry experience. He previously worked at Citi Banamex for a total of ten years before joining UBS in 2023. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a variety of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and multiple capital markets operations.

Christina Gustin is a financial advisor with UBS Financial Services in San Diego, holding a Series 66 designation and 20 years of industry experience. She has been with UBS since 2011. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Judith Seaver is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 63 designation and 39 years of industry experience. She has been with UBS since 1987. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, utilizing proprietary capital market assumptions and research-driven strategies. The firm combines institutional trading capabilities with wealth management services, offering a broad range of products including fee-based financial planning, portfolio management, and underwriting.

Austin Moreira is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial in 2020, he worked in business activities including roles at Las Flores Car Wash and Warmington Properties, Inc., and was affiliated with The Ohio State University from 2016 to 2020. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of investment options and utilizes research, technology, and multiple platforms to support its network of more than 22,800 advisors.

Brianna Jacobs is a financial advisor with LPL Financial in San Diego, CA. She holds the Series 66 designation and has been with LPL since 2026. Prior to her current role, Brianna has experience in education, including positions at San Diego State University and Santa Barbara City College, as well as work in the restaurant industry. 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, incorporating model portfolios, third-party asset management, and institutional platforms.

Alex Lutz is a financial advisor with Raymond James Financial Services Advisors, Inc. holding a Series 66 designation and four years of industry experience. His prior roles include positions at Edward Jones and Citibank. Additionally, he serves as a trustee for a family living trust. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning and uses analytical tools to tailor recommendations, supporting implementation through various advisory programs.

Daniel Guadarrama is a financial advisor with Charles Schwab, holding a Series 66 designation and 16 years of industry experience. He previously worked at TD Ameritrade for 12 years before joining Charles Schwab. Outside of his advisory role, he is involved in managing a rental property. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management with centralized custody and operational support.

Raymond Fagalde is a financial advisor with Raymond James Financial in San Diego, CA, holding a Series 66 designation. He has one year of industry experience and has held roles at The Manning Companies and Raymond James Financial Services, Inc. Prior to his advisory career, he worked in various positions including at Robert Half and Saint Mary's College of California. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports advisory programs while maintaining specialized services in municipal and public finance.

Kaitlyn Cruse is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her career with Merrill in 2008 in Boston, working with ultra-high net worth individuals on various financial matters, including cash management and investment manager due diligence. Since moving to San Diego in 2016, she partners with clients and their advisors to create wealth plans tailored to their needs and goals, incorporating disciplined investment strategies and collaborating with estate and tax professionals. Kaitlyn holds several professional designations including Certified Investment Management Analyst®, Certified Plan Fiduciary Advisor®, and Retirement Accredited Financial Advisor. She earned a Bachelor of Science in Business Administration from Bryant University, with a focus on Financial Services and a minor in Communications. Additionally, she holds licenses and registrations such as the California Life, Accident & Health license and FINRA Series 7, 63, 65, and 66. Outside of her professional role, Kaitlyn resides in Carlsbad, California with her husband and two children. She enjoys activities such as cooking, golfing, skiing, and spending time with family. Kaitlyn has been actively involved in professional organizations including the Merrill Women's Exchange in both Boston and San Diego chapters, and Merrill’s Military Support & Assistance Group in San Diego.

Haein Choi is an Investment Consultant at Fidelity Investments, a role held since 2026. In this position, Haein partners with clients to understand their financial goals and develops customized financial plans tailored to their unique needs. Prior to this, Haein worked as a Financial Advisor at LA Pension Planners from 2025 to 2026. Haein holds a California Insurance License, supporting their work in the financial services industry. Outside of professional responsibilities, Haein has personal interests that include baseball, camping, fitness, foodie activities, golf, and hiking.

Derek Wright is a Financial Consultant at Fidelity Investments, a role he has held since 2021. He provides guidance and personalized financial planning services to help clients work towards their life goals, collaborating with his team to tailor strategies that adapt to clients' changing needs. Prior to his current position, Derek held several roles at Fidelity Investments, including Investment Consultant from 2019 to 2021 and Financial Representative in 2019. Before joining Fidelity, he was a Relationship Manager at Bank of America from 2018 to 2019 and an Account Manager at ViewRidge Funding from 2017 to 2018. Derek holds a California Insurance License. Outside of his professional work, Derek has interests in food, outdoor adventures, snowboarding, traveling, and pets.

Ryan Kinney is a financial advisor with Edward Jones in Chula Vista, CA, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2014. 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 strategies, including discretionary and non-discretionary wrap fee accounts, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Brian Ohlfest is a financial advisor with Fidelity Investments in San Diego, CA, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at JP Morgan Securities, LLC, Morgan Stanley, and Seven Seas Yacht Management. Fidelity's Strategic Advisers LLC offers investment management and advisory services to a diverse client base, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its formal advisory role to multiple registered investment companies and its use of algorithmic methods and AI in research.

Michael Youngerman is a financial advisor at LPL Financial in San Diego, CA, holding a Series 66 designation with 14 years of industry experience. He previously worked for Commonwealth Financial Network for 11 years before joining LPL Financial in 2026. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.