Michael Licari is an International Wealth Advisor with Merrill Lynch Wealth Management. He provides a comprehensive approach to managing wealth, focusing on listening to clients' needs to develop strategies aligned with their financial goals. He offers access to investment insights from Merrill and banking services from Bank of America to address various aspects of clients' financial lives. Michael Licari has over 36 years of experience in the financial industry. He began his career in 1983 with Shearson Lehman/American Express in New York. In 1985, he moved to San Diego to join Merrill and has been part of the Merrill International group since 1987. He works with clients across the U.S. and internationally, focusing on areas including International Wealth Management, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Individual and Corporate Investment Strategy, and Retirement Income. He holds a Bachelor's Degree from Syracuse University, where he majored in Finance and Law and Public Policy. Michael Licari has earned several professional designations, including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). His personal interests include biking, camping, fishing, gardening, hiking, hunting, scuba diving, skiing, surfing, and writing.

Amanda Mcnellis Leptich is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds the Series 63 and Series 65 designations and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as with Citigroup Global Markets since 1996. She is involved in a trust-related business based in Rancho Santa Fe, California. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Olivia Studley is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. She previously worked at RBC Capital Markets and has experience in educational and service roles, including positions at the University of San Diego and Ponce's Mexican Restaurant. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning services supported by structured discovery processes and advanced modeling tools.

Juan Calderon is a financial advisor with UBS Financial Services in Houston, TX, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has worked at UBS Financial Services since 2018 and previously spent five years with JPMorgan Chase Bank NA and J.P. Morgan Securities. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and a broad platform of capital markets offerings.

Kristin Gang is a financial advisor with Cetera, holding a Series 66 designation and 22 years of industry experience. She has worked at several Cetera entities since 2015 and was previously with First Allied Securities, Inc. and Avantax Investment Services Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options and program structures, managing over $256 billion in assets.

Antonio Llach Mena is a Series 66 licensed financial advisor at UBS Financial Services with four years of industry experience. He has worked at UBS and its affiliate firms since 2019, with prior experience at KFroce, Banco Agricola, and the University of Colorado Boulder. UBS Financial Services 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, leveraging proprietary research and model-based asset allocations to tailor investment strategies.

Joseph Rosenberry is a financial advisor at Ameriprise with three years of industry experience. He holds a Series 66 designation and has worked in various roles across multiple industries before joining Ameriprise in 2022. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement who meet specific asset criteria, offering written recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm integrates research and modeling with algorithmic tools to generate tailored retirement-income recommendations and offers a broad range of advisory, brokerage, and insurance solutions through its affiliated companies.

Jimmy Lopez is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 11 years of industry experience. He has been with Cetera and affiliated firms since 2015, including Foresters Financial Services and Foresters Advisory Services. Cetera Investment Advisers LLC is a large, SEC-registered firm serving a broad client base that includes 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, supporting both discretionary and non-discretionary account structures.

Jaime Torres is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on building long-term relationships by listening and prioritizing the needs of his clients and their families. Jaime specializes in goals-based wealth management strategies, including retirement income, philanthropic planning, college education planning, corporate executive services, equity compensation services, family wealth management strategies, legacy planning, socially responsible and ESG investing, tax minimization, and small business strategies. He leverages the resources and technology at Merrill Lynch to provide his clients with comprehensive financial solutions. He holds a Bachelor's Degree from the University of California System and the designations Certified Financial Planner (CFP) and Personal Investment Advisor (PIA). Jaime is fluent in Spanish and English. He is actively involved in his community through volunteering with organizations such as the Peninsula YMCA and Ronald McDonald House Charities of San Diego. Outside of work, he enjoys cooking, fishing, football, hiking, music, reading, soccer, spending time with his family, traveling, and watching movies.

Ia Phan Jones is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 18 years of industry experience. She has worked at Cetera since 2020 and previously at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory role, she is involved with the PTA at Hearst Elementary School. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, 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, employing a multi-manager platform with various program options and custodial relationships.

Megan Polizzi is a financial advisor with Cetera in San Diego, CA, holding Series 65 and Series 66 licenses and 15 years of industry experience. She has worked at Cetera and its affiliated entities since 2025 and previously with CUSO Financial Services from 2021 to 2025. Outside of her advisory role, she serves as a Girl Scouts troop leader and an auditor for a local charity league. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutions through a large nationwide network of advisors. The firm offers a variety of portfolio management and financial planning services via a multi-manager platform that includes discretionary and non-discretionary options, model portfolios, third-party managers, and bespoke strategies.

Darin Beeghley is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. He has been with UBS since 2010. 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 provides a broad range of services including portfolio management, financial planning, custody, underwriting, and capital markets solutions.

Summer Pretzer is a financial advisor at Cetera with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been affiliated with various Cetera entities since 2017. Outside of her advisory role, she volunteers with Lions, Tigers, and Bears, a nonprofit where she conducts group visits, educates, and helps care for animals. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services using multiple program structures and access to both affiliated and third-party managers.

Gabriel Garcia is a financial advisor at Ameriprise Financial Services with eight years of industry experience. He holds a Series 66 designation and previously worked at Mariner Independent Advisor Network, LPL Financial, and Edward Jones. Garcia also served in the United States Marine Corps Reserves for 12 years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. Its approach includes a centralized service team that collaborates with advisors to provide written Recommendation Reports based on proprietary research and third-party data.

Timothy Mehrer is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Mehrer serves as a board member for Kids First at Sunset View, a nonprofit focused on children and youth education. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutions. The firm emphasizes structured financial planning supported by approved tools and serves clients through both direct relationships and corporate financial planning agreements.

Deborah Macneil is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 29 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at WELLS FARGO Advisors, LLC. Outside of her advisory role, she is an independent consultant for Pampered Chef. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services grounded in modern portfolio theory and tailored to plan objectives and demographics.

Peyton Maple is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2022, Peyton worked at LPL Financial and has also been involved in academic roles at Monmouth University and Great Oak High School. Morgan Stanley Wealth Management offers a range of advisory programs for individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers both direct and employer-sponsored financial planning services.

Christopher J. Hobbs is a Wealth Management Advisor and First Vice President with Merrill Lynch Wealth Management. He brings over 30 years of experience in the financial services industry, beginning his career at Edward Jones before joining Merrill in 1995. Hobbs focuses on delivering wealth management services to families, businesses, and corporate executives through comprehensive financial planning and disciplined portfolio management. His approach integrates tools and resources from Merrill to address clients' unique financial situations, emphasizing long-term and short-term needs while minimizing emotional influences on decision-making. Hobbs offers a broad range of services including investment and banking management, liability management, tax minimization, estate planning, wealth transfer strategies, college planning, and Rule 10b5-1 planning. His client focus areas encompass college education planning, corporate executive services, equity compensation services, endowments, foundations, non-profits, personal retirement planning, portfolio management, small business strategies, individual and corporate investment strategy, tax minimization, and retirement income. He holds a Bachelor's Degree from San Diego State University and the Personal Investment Advisor (PIA) designation. Outside of his professional work, Hobbs has been actively involved in community organizations, including serving as a board member for the Foundation of La Jolla High School and volunteering for various youth sports programs in La Jolla. He lives in La Jolla with his wife Colleen and their two children. In his free time, he enjoys mountain biking, skiing, snowboarding, fishing, and core training.

Tom Nicholl is a financial advisor at Edward Jones with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he worked in the automotive industry with Mercedes Benz of San Diego and Sunroad Automotive. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory and investment services, supported by a large nationwide network of financial advisors and branch offices. The firm offers various managed strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

William Kim is a financial advisor at Cetera with 13 years of industry experience. His career includes roles at Morgan Stanley, JPMorgan Chase, and Securian Financial Services. He serves as a board member for the Korean American Coalition San Diego and has been elected to the Construction Financial Management Association’s San Diego chapter board. Cetera Investment Advisers LLC operates a nationwide network of independent advisors serving individual, retirement plan, 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.