Claire Neville is a financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, she worked at Warner Bros. Discovery and CNN International. She serves on the board of Neville's Automotive Co., an automotive and transportation business based in Oceanside, California. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets through various advisory and brokerage services.

John Armstrong IV is a financial advisor with Wells Fargo Clearing in La Jolla, CA. He holds the Series 63 and Series 65 designations and has 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Robert Wilcsek is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the La Jolla office. He has worked in financial services since 1977, bringing over 45 years of experience to his role. Robert assists clients by developing personalized wealth management strategies tailored to individual needs, focusing on family wealth management, endowments, foundations, non-profit services, new wealth management, retirement planning, portfolio management, and retirement income. Robert holds a Doctorate from Washington State University and previously worked at the University of California, San Diego, before joining Merrill Lynch. He carries the Personal Investment Advisor (PIA) designation. Raised in Solana Beach, California, Robert emphasizes a comprehensive and collaborative approach, working one-on-one with clients to help them pursue their long-term financial goals. He is also engaged in community volunteering in alignment with Merrill’s tradition of service. Outside of work, Robert enjoys billiards, surfing, and watching movies.

Nicolas Garza Elorduy is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes roles at StepStone Group, Taylormade Golf, and Vuori Inc., as well as academic positions at the University of San Diego and California Polytechnic State University, San Luis Obispo. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers its advisory services alongside affiliated brokerage and investment management capabilities through a non-discretionary program where clients retain final decision-making authority.

Racquel Manalo is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and previously worked at Axos Bank and Amres Corporation. Outside of her advisory role, she operates a mobile notary and loan signing business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors.

Kevin Donnelly is a CFP®-designated financial advisor with J.P. Morgan Securities, based in San Diego, CA. He has 18 years of industry experience, including 14 years at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Joseph Ramirez is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2018. Outside of his advisory role, he is involved with Midway Venture LLC, a bar and restaurant business based in San Diego. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research and analytics from Wells Fargo Investment Institute and third-party databases, focusing on diversification and modern portfolio theory.

Mavel Becerra is a financial advisor at LPL Financial with a Series 66 designation and five years of industry experience. He previously worked at Wells Fargo Clearing for 17 years before joining LPL Financial in 2022. Outside of his advisory work, Becerra is a motivational empowerment speaker and consultant and volunteers with Templo Calvario CDC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, employing both discretionary and non-discretionary management supported by proprietary research and third-party resources.

Dinara Meiramkulova is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC and 18 years with Wells Fargo Bank NA. 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 solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Amber De Bartolo is a financial advisor with OSAIC holding a Series 66 designation. She has been in the industry since 2024 and previously worked with Shorelight Wealth Group and FirefighterAid. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers and wrap programs.

William Hinch is a financial advisor with LPL Financial based in San Diego, CA. He holds Series 63 and Series 66 licenses and has 24 years of industry experience. He has been affiliated with Uvest Financial Services since 2010 and with LPL since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, featuring discretionary and non-discretionary management and access to model portfolios and research from multiple sources.

Jacob Goldberg is a financial advisor with Mass Mutual Investors Services in La Jolla, CA. He holds the Series 66 designation and has 17 years of industry experience, including roles at Metlife Securities Inc and MassMutual Life Insurance Co. He has been with Mass Mutual Investors Services since 2017. MML Investors Services, LLC 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, money-manager programs, and educational seminars.

Shantele Lewis is a financial advisor with Wells Fargo Advisors in Rancho Santa Fe, CA, holding a Series 63 designation and 28 years of industry experience. She has been with Wells Fargo Advisors Financial Network LLC since 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized areas such as business-owner transition and special-needs planning, using proprietary research and planning tools to develop tailored recommendations.

Austin Pate is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and nine years at LPL Financial. Prior to his advisory career, he worked at Round Table Pizza for five years. 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 and financial planning services, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Sean Donnelly is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Ameriprise and its affiliate since 2014. Outside of his advisory role, he owns a real estate business in Joshua Tree, California. Ameriprise is a large institutional firm offering a retirement-income planning service targeted at individuals nearing or in retirement who meet certain asset thresholds. The firm provides written recommendation reports incorporating research, modeling, and tax-efficiency analysis, with a focus on assets held in Ameriprise-managed accounts.

Lin Murphy is a financial advisor at Morgan Stanley with six years of industry experience. Prior to joining Morgan Stanley in 2023, Murphy held roles at Bank of America and Merrill. Murphy holds a Series 66 designation and is based in San Diego, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its advisory process.

Eric Johnson is a financial advisor at OSAIC with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at LPL Financial, Trilogy Capital, Inc., and National Planning Corporation. Johnson serves as a trustee for the John & LeeAnn Johnson Family Trust. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers through a large network of affiliated advisers and multiple advisory platforms.

Christopher Hagopian is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 66 licenses and 27 years of industry experience. He previously worked at UBS Financial Services Inc. from 2010 to 2017 and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2017. He serves as a trustee for a trust based in Mill Valley, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including customized financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and Monte Carlo simulations to model potential outcomes.

Jeffrey Bjurstrom is a financial advisor at OSAIC with 28 years of industry experience. He holds a Series 66 designation and previously worked at Securities America, Inc. and Securities America Advisors, Inc. from 2006 to 2024. He is also licensed in fixed insurance sales, offering fixed annuity, equity index annuity, and term life insurance products. OSAIC serves a diverse client base including retail investors, pension plans, corporations, and charitable organizations through a large network of affiliated financial advisors. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and a range of investment options to manage portfolios on both discretionary and non-discretionary bases.

Maria Piechocki is a financial advisor at LPL Financial in San Diego, CA, with 17 years of industry experience. She holds the Series 66 designation and has worked at The Advisory Group since 2011, FSC Securities Corporation from 2008 to 2022, and Gregory P. Schill since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs and financial planning services, combining proprietary research and third-party strategies across discretionary and non-discretionary management models.