Nicolas Garza Elorduy is a financial advisor at J.P. Morgan Securities with one year of industry experience and holds a Series 66 credential. His prior work includes roles at StepStone Group, Taylormade Golf, Vuori Inc., and the University of San Diego. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

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® and holds the Series 66 designation with 18 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012, following prior roles at Chase Investment Services Corp. and Osaic FA, Inc. He is based in San Diego, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and includes capabilities in derivatives and commodities.

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 with LPL Financial in San Diego, CA, holding a Series 66 credential and five years of industry experience. He previously worked at Wells Fargo Clearing for 17 years before joining LPL Financial. Outside of his advisory role, Becerra is active as a motivational empowerment speaker and volunteer. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management, with a focus on providing diverse investment options supported by operational and research tools.

Dinara Meiramkulova is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, having also worked at Wells Fargo Bank NA since 2008. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets across more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Amber De Bartolo is a financial advisor at OSAIC Wealth, Inc. with a Series 66 designation and one year of industry experience. Prior to joining OSAIC, she worked at Shorelight Wealth Group and has professional experience outside of finance, including roles at FirefighterAid and Sungarden Terrace. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach includes model-based asset allocation, portfolio optimization, and a variety of managed account programs.

William Hinch is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. His career includes roles at Uvest Financial Services since 2010 and U.S. Bancorp Advisors from 2005 to 2008. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions with a range of advisory and brokerage services, including financial planning and third-party asset management. The firm supports its network with technology tools and operates a broad platform that combines advisory services with non-advisory financial activities.

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 at LPL Financial with three years of industry experience. He has been with LPL Financial since 2017 and previously worked at Round Table Pizza for five years. 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 broad range of advisory and brokerage services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by various operational and research tools.

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 Wealth with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at LPL Financial and Trilogy Capital, Inc. He also serves as trustee of the John & LeeAnn Johnson Family Trust. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services utilizing a multi-advisor platform, with an investment process focused on model-based asset allocation and portfolio optimization.

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 the Series 66 designation and previously worked at Securities America, Inc. and Spelman & Co., Inc. He is also licensed to sell fixed insurance products, including fixed annuities, equity index annuities, and term life insurance. Osaic Wealth serves a diverse client base that includes individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization, leveraging a multi-advisor platform with comprehensive financial planning and third-party manager options.

Maria Piechocki is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. She has worked at LPL Financial since 2022 and previously spent over a decade with The Advisory Group and FSC Securities Corporation. Maria also has a long-standing affiliation with Gregory P. Schill dating back to 2005. 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 management services supported by extensive advisor resources and platforms.

Rebecca Saffran is a Series 66 licensed advisor with Raymond James Financial, based in San Diego, CA. She has six years of industry experience and has worked with Raymond James Financial Services Advisors since 2020. Prior to that, she held roles at Mission Fed Investment Services and Mission Fed Credit Union. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm uses tailored planning and analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Lily Fallah is a CFP® professional at OSAIC with seven years of industry experience. She previously worked at Wells Fargo Advisors, Morgan Stanley, and Woodbury Financial Services. Fallah serves as Treasurer and Chair of the Investment Committee for The Arc of San Diego, a nonprofit supporting people with disabilities. OSAIC Wealth serves retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, comprehensive financial planning, and portfolio management with a model-based investment approach.

Sreeni Rao is a financial advisor with Raymond James Financial in San Diego, CA, holding Series 63 and Series 65 designations and bringing 21 years of industry experience. His work history includes roles at Mission Fed Investment Services, Raymond James Financial Services Advisors, Inc., Raymond James Financial Services, Inc., Mission Federal Credit Union, and Cuso Financial Services, Lp. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutional clients. The firm uses fact-finding, risk profiling, and analytical tools to tailor non-discretionary planning and investment consulting to client goals and supports institutional consulting and portfolio management through a large advisor network.