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.

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.