Alexander Broughton is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Bank of America, Hach, Equipment Depot, Exterran, and Pentair. Outside of his advisory role, he serves as power of attorney for a family trust. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

J Essman is a financial advisor with Mass Mutual Investors Services in San Diego, CA, holding the ChFC® designation with 28 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities, Inc. and Metropolitan Life Insurance Co. from 2007 to 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations through annual collaborative planning engagements.

Hernan Diaz is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also has experience at JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities provides institutional consulting services including asset allocation advice, investment manager searches, and customized performance reporting to corporations, foundations, and defined contribution plan sponsors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, offering advisory services alongside affiliated brokerage and investment management capabilities.

Jason Samuelsen is a financial advisor with Edward Jones in San Diego, CA, holding a Series 66 designation. He has been with Edward Jones since 2025 and has prior experience at STN Digital, Evolytics, American Century Investments, Sporting Kansas City, and Bowling Green State University. Outside of advisory work, he manages a rental property in Kansas City, MO. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of investment strategies, tax-efficient services, and affiliated financial products through a large national network of advisors and branch offices.

John Miller is a financial advisor at Ameriprise Financial Services with nine years of industry experience. He holds the Series 66 designation and has been with Ameriprise since 2017, including roles at both Ameriprise Financial Services, Inc. and Ameriprise Financial Services, LLC. Prior to his advisory career, he spent four years at Virginia Tech. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning advice based on in-depth analysis and tax-aware strategies.

Yi Lu is a financial advisor at UBS Financial Services with a Series 66 designation and four years of industry experience. He has been with UBS since 2010. 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 client goals.

Rodrigo Ramos is a financial advisor at UBS Financial Services with 23 years of industry experience. He has worked at UBS since 2010 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Michael Zeiger is a financial advisor with Cetera based in San Diego, CA, holding Series 63 and Series 65 licenses and with 23 years of industry experience. He has been affiliated with Cetera and its affiliates since 2015. Outside of advisory work, he is involved as an insurance agent selling fixed insurance products and also prepares taxes part-time. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios and bespoke strategies.

Joseph Campano is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Smith Barney since 2010. He is based in La Jolla, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and research.

Richard Cerruti is a financial advisor with Fidelity in San Diego, CA, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. His prior roles include positions at TD Ameritrade, Citigroup, and BancWest Investment Services. Outside of his advisory work, he has served as a tennis coach at De La Salle High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across funds and managed accounts.

James Waddell is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. He is based in La Jolla, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients. The firm’s financial planning process utilizes structured tools and models, delivering tailored plans through its Financial Advisors and Estate Planning Strategies Group.

Mark Hyma is a financial advisor with Cetera, holding a Series 63 credential and bringing 37 years of industry experience. He has served in various roles at firms including Avantax Advisory Services and PFS Wealth Advisors and is also involved in tax preparation and management of commercial rental properties. Hyma is the president of PFS Wealth Advisors, Inc. and the CEO of PFS Acq Corporation, which oversees financial services acquisitions. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors and serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with both discretionary and non-discretionary program structures.

Damian Olivas is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 23 years of industry experience. He has been with Merrill since 1994. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America’s broader corporate platform allows access to a wide set of products and services beyond many peers.

Kyle Schmidt is a Financial Consultant at Fidelity Investments, where he assists clients in constructing customized financial plans tailored to their individual financial goals. He focuses on creating trusted relationships to help clients navigate everyday financial challenges and make sound investment decisions. Kyle has held several roles in the financial industry, including positions at Fidelity Investments and Natixis Investment Managers, LLC. His experience spans from investment consulting to regional directorship, reflecting a depth of knowledge in financial planning and investment management. He holds a California Insurance License. Outside of his professional work, Kyle enjoys activities such as the beach, concerts, fitness, social events, golf, and traveling.

Masha Efros is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 credential and 16 years of industry experience. She previously worked at UBS Financial Services before joining Morgan Stanley in 2017. Outside of her advisory role, she serves as Treasurer and Finance Committee Board Member for the San Diego Cooperative Preschool. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and delivers services through financial advisors and specialized planning groups.

Michelle Hollaender is a financial advisor at UBS Financial Services with 25 years of industry experience. She holds Series 63, Series 65, and Series 66 licenses and has been with UBS since 2016. Prior to joining UBS, she was involved with My Home for one year. 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 provides proprietary research and capital markets solutions.

Michael Faltico is a CFP® professional with 22 years of industry experience, currently serving at Cetera since 2021. His prior experience includes roles at Voya Financial Advisors and LifePro Financial Services. He is also treasurer of the Point Loma High School Boys Basketball Booster Board. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, 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, utilizing a multi-manager platform with discretionary and non-discretionary options.

Steven Ford is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in offering a comprehensive approach to managing wealth that begins with understanding a client's financial situation and priorities. Steven helps clients create customized wealth management strategies that are adaptable to changing needs and market conditions. He provides access to Merrill's investment insights as well as Bank of America's banking and lending services to support various aspects of clients' financial lives. Steven has over ten years of experience at Merrill Lynch following a career as an IMAX cameraman. During this time, he has developed expertise in serving endowments, foundations, and non-profits; legacy planning; managing new wealth; portfolio management; tax minimization; and retirement income. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from San Francisco State University. Outside of his professional work, Steven is active in community organizations, including the Solana Beach Little League and Solana Beach Soccer Club. He has also been involved as a coach and board member in youth sports. His personal interests include surfing, mountain biking, tennis, chess, fishing, golfing, hiking, music, photography, skiing, swimming, and spending time with his family.

Miles Fleming is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and bringing 10 years of industry experience. His prior roles include work with Waddell & Reed, Employer Services Group, and operating Lumena Financial Strategies, Inc. He has also been involved with community organizations such as the Rotary Club of Del Mar and the San Diego Council on Aging. LPL Financial serves a broad client base including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and brokerage services supported by research and technology-driven portfolio management.

Kevin Christensen is a financial advisor at LPL Financial with 15 years of industry experience. He holds a Series 66 designation and previously worked at Overland & Shanahan for four years. Christensen is involved with Align Planning LLC, a separate business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and retirement consulting, providing discretionary and non-discretionary management supported by proprietary and third-party research.