Frances Pascua is the Resident Director and Wealth Management Advisor at Merrill, where she leads a team of Financial Advisors and serves as a partner of The Callahan Pascua Group. She joined Merrill in 2014 and specializes in managing financial needs and goals for individuals, families, and businesses through a comprehensive, client-centered approach. With over a decade of experience in the financial services industry, Frances holds several professional designations including Certified Investment Management Analyst® (CIMA®), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She earned a Bachelor's Degree in Interdisciplinary Studies with majors in Political Science, Communication, and Psychology from San Diego State University, and a Master's of Business Administration from Alliant International University. Fluent in Filipino and English, Frances is actively involved in professional organizations, serving on the Board of Directors for the Investments & Wealth Institute™, as National Chair of their Conference Committee, and holding leadership roles in the Merrill Women's Exchange. Outside of her professional commitments, she enjoys traveling to learn about different cultures.

Daniel Testa is a financial advisor at Cetera with three years of industry experience and holds a Series 66 designation. Prior to joining Cetera, he worked at Edward Jones, Bank of America, Merrill, and Navy Federal Financial Group. Outside of advising, he is a partner and owner of BNT Metals, a metals recycling company based in Chula Vista, California. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform that includes both affiliated and third-party strategies.

Shanel Dubique is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and eight years of industry experience. Her prior roles include positions at CUSO Financial Services and First Command Financial Planning. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides financial planning, various advisory programs, retirement plan consulting, and brokerage services with discretionary and non-discretionary management options.

Devin Mcdonald is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines fundamental research with quantitative and algorithmic portfolio construction, offering discretionary and non-discretionary services as well as model portfolios built from mutual funds, ETFs, and ETPs.

Marcus Fitzpatrick is a financial advisor at Cetera with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Cetera and its related entities since 2019. Prior to that, he worked at Foresters Financial Services and Foresters Advisory Services LLC. Outside of his advisory role, he is involved in coaching soccer, including training players and managing teams. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supporting over 10,000 advisors and managing more than $256 billion in assets.

J Coghlan is a financial advisor with OSAIC in San Diego, CA, holding Series 63 and Series 65 designations and over 33 years of industry experience. His prior roles include long tenures at Securities America Advisors, Inc. and Coghlan Financial Group, Inc. Outside of advisory services, he operates as an independent agent selling fixed insurance products and provides living trust document services to clients. OSAIC serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and investment advisory services, financial planning, and access to third-party managers. The firm utilizes asset-allocation tools and automated rebalancing to manage diverse portfolios and supports multiple advisory platforms and legacy program transitions.

Juan Fernandez is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior experience includes long tenures at E*TRADE Capital Management LLC and E*Trade Securities LLC, as well as a brief period at Morgan Stanley. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios alongside alternative investment options, supported by centralized custody and operational infrastructure.

Jeffrey Carlos Jr. is a financial advisor with LPL Financial in La Mesa, CA, holding a Series 66 designation and bringing 18 years of industry experience. He has been with LPL Financial since 2013. LPL Financial serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs, financial planning, and brokerage services.

Jesse Starr is a CFP® with 18 years of experience in the financial industry, currently serving at Morgan Stanley in San Diego, CA. His prior work includes roles at Wells Fargo Clearing and JPMorgan Securities LLC. Outside of his advisory work, he is a partner at Starr Ventures 1738 LLC, a real estate investment business based in Montana. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutions, including personalized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling to assist clients in their financial decisions.

Monique Neal Corotis is a financial advisor at Edward Jones with 15 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and provides a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, tax-efficient services, and access to affiliated mutual funds and separately managed accounts.

Blake Foster is a CFP® with 29 years of experience in the financial industry. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he is involved in managing rental properties in California. 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 services. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Dean Pfremmer is a financial advisor at Morgan Stanley in San Diego, CA, with 42 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at 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 a range of advisory programs, including tailored financial planning that utilizes structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Emmett Lichtenberg is an Investment Consultant currently working at Fidelity Investments since 2025. In this role, he partners with clients to help them build and maintain tailored financial plans designed to align with their financial goals. Prior to this, Emmett worked as a Financial Solutions Advisor at Merrill Lynch from 2024 to 2025. He holds a California Insurance License.

Joshua Dunphy is a financial advisor at Fidelity with a Series 66 credential and two years of industry experience. His background includes roles at Northwestern Mutual and Securities America, as well as experience outside finance in the food service industry and entrepreneurial ventures. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm serves as a registered commodity pool operator, advises multiple investment companies, and utilizes systematic methodologies and AI tools in its investment process.

Brian Rissman is a financial advisor at LPL Financial in San Diego, CA, holding a Series 65 designation. He has 17 years of industry experience, including 16 years with US Bank before joining LPL Financial in 2026. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing model portfolios and research from in-house and third-party sources.

Bradford Best is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 26 years of industry experience. He has held roles with several firms including First Allied Securities, Inc. and Summit Brokerage Services, Inc. He serves on the advisory council for the University of California, Irvine, reviewing continuing education programs for professionals. Additionally, he hosts a pinball streaming channel focused on entertainment and education. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services across multiple program platforms, utilizing both affiliated and third-party managers.

Victoria Sazunic is a financial advisor at Morgan Stanley with seven years of industry experience and holds the Series 66 designation. She has been affiliated with Morgan Stanley since 2003 and has served on the board of San Diego Civic Theaters since 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide array of advisory programs to individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets.

Cindy Le is a financial advisor at LPL Financial with 12 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo and San Diego County Credit Union prior to her current role. Cindy also serves as a Regional Manager at San Diego County Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs and financial planning services.

Erin Arellano is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. She has been with LPL Financial since 2014. Outside of her advisory role, she owns a transportation business that serves disabled adults and is a tax preparer and enrolled agent. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, supported by in-house and third-party research and technology-driven portfolio strategies.

Dunyong Wen is a financial advisor at Cetera with six years of industry experience. He holds the Series 66 and Series 63 licenses. His prior experience includes roles at Bank of America, Merrill, Nylife Securities LLC, and Industrial Bank of China (Wuhan Branch). Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporations, charitable clients, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.