Calen Ketcham is a financial advisor at Raymond James Financial with four years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Commonwealth Financial Network for seven years. Ketcham also serves as a Senior Client Service Representative at The Manning Companies in San Diego. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using analytical tools to support client goals and maintains specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Lynn Hunter is a Series 66-licensed financial advisor with 24 years of industry experience. She has worked at UBS Financial Services Inc. since 2020 and previously spent six years at Morgan Stanley. She is based in La Jolla, CA. UBS Financial Services Inc. 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 and utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Chomreun Pao is a financial advisor with LPL Financial in San Diego, CA, holding Series 66 and Series 63 licenses and bringing seven years of industry experience. Prior to joining LPL Financial in 2026, Pao worked at Commonwealth Financial Network for five years and CUSO Financial Services, LP for nine years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and investment services, including access to model portfolios, third-party asset management, and institutional platforms.

John Rey is a CFP® professional with three years of industry experience, currently affiliated with LPL Financial. He has previously worked at JM Financial Strategies and Commonwealth Financial Network. Outside of his advisory work, he teaches leadership training with the Carmelite Sisters in San Diego. 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 and third-party asset management, supported by extensive research and technology tools.

Darryle Grimes is a financial advisor with Ameriprise, holding a Series 66 designation and 10 years of industry experience. He has worked at Ameriprise since 2020 and previously spent six years with First Command in various advisory and planning roles. He serves as treasurer on the board of the Military Officers Association of America, Miramar Chapter. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients. Its Premier Retirement Income service offers tailored retirement planning advice focused on income reliability and tax-aware withdrawal strategies.

Amy Horsley is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has previously worked at TD Ameritrade and Bank of America. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jose Aguilar is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and offers a structured planning process supported by firm-approved tools and modeling techniques.

Isabelle Stad is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and beginning her advisory career in 2024. Prior to joining Morgan Stanley, she held positions at Gravity Advisors and worked in various educational roles at UC San Diego and other institutions. 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 and tailored financial planning services supported by comprehensive planning tools and investment modeling.

Lisa Armacost is a Certified Financial Planner™ (CFP®) with five years of industry experience. She has worked at UBS Financial Services since 2011 in various roles. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, discretionary and non-discretionary portfolio management, as well as capital markets and research support.

Sergio Pedro Perez is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America, Merrill, and Wells Fargo entities throughout his career. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Michael Daudet is a financial advisor at Edward Jones with 10 years of industry experience. He holds the Series 66 designation and has been with Edward Jones since 2016. Outside of his advisory role, he serves as the president of the BNI Alive San Diego chapter. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a broad range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Amr Nada is a financial advisor at Merrill with 11 years of industry experience and a Series 66 designation. He has been affiliated with Merrill since 2011 and Bank of America, N.A. since 2014. 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 for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Cesar Bravo Berumen is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and beginning his advisory career in 2023. He has prior experience at Bank of America and held various roles at several other companies and institutions, including the University of California San Diego. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jose Covarrubias is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with J.P. Morgan entities since 2012. His prior roles include positions at Uber and Lyft from 2015 to 2017. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and incorporating an ESG eligibility framework.

Nicolle Hudachek is a financial advisor with Robert W. Baird & Co., holding a Series 66 designation and bringing 20 years of industry experience. She has been with Robert W. Baird since 2012. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The team provides tailored consulting and portfolio services, including financial planning and discretionary management, employing a variety of investment strategies and overlay services.

Joseph Ulloa is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 56 years of industry experience. His career includes multiple roles at Wells Fargo Clearing since 2003 and periods at Morgan Stanley from 2004 to 2008. He is based in La Jolla, California. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from its investment institute and third-party sources.

Amy Jamieson is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 66 licenses and 19 years of industry experience. She has been with Merrill since 2009. In addition to her advisory role, she is involved as a co-leader of a local Girl Scout troop. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients utilizing a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Pedro Flores is a financial advisor at UBS Financial Services with three years of industry experience. He holds Series 65 and Series 63 designations and has previously worked at U.S. Bank, U.S. Bancorp Investments, Inc., and First Citizens Bank. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm employs proprietary research and model-based asset allocations to tailor strategies to client goals and risk tolerances, combining institutional trading capabilities with wealth management services.

Sarah Karpicus is a financial advisor at Edward Jones with four years of industry experience. She holds the Series 66 designation and has prior experience with Shakti Rising, a nonprofit organization focused on healing and recovery. Outside of her advisory role, she owns and manages Yellowbird Expressive Arts, an expressive arts therapy business offering individual sessions, groups, retreats, and virtual programs, and participates as a performer in a local playback theatre troupe. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

Terry Mcnellis is a financial advisor at Morgan Stanley with 43 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, following a 12-year tenure at Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning services. The firm uses structured planning tools and various investment modeling techniques to support client strategies.