David Harrison is a CFP® with 38 years of industry experience, currently advising at Wells Fargo Clearing since 2016. He previously worked at Prudential Equity Group, LLC for nine years. He holds Series 63 and Series 65 licenses and acts as a power of attorney for his spouse in an unrelated capacity. 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 both brokerage and advisory solutions.

Reinna Gabriel is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and one year of industry experience. Her prior work includes roles with Merrill and involvement in athletics and academic activities at Cornell University. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stephen Mcnally is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 66, Series 63, and Series 65 licenses and seven years of industry experience. His prior work includes roles at Wells Fargo Bank and SRM Capital Management, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research and analytics to guide investment decisions, offering both discretionary and non-discretionary retirement plan services.

Kyle Hodges is a CFP® professional with 30 years of experience in the financial services industry. He is currently affiliated with LPL Financial and California Bank & Trust, where he has worked since 2015. His prior roles include positions at Zions Capital Advisors, U.S. Bancorp Investments, and Principal Financial Services. 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 access to model portfolios and third-party asset managers, supported by technology tools and a broad network of over 25,000 advisors.

Guillermo Espinoza is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His career includes roles at LPL Financial and Independent Financial Group, LLC prior to joining Cetera Investment Advisers in 2025. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with discretionary and non-discretionary program options.

Shari Miller is a financial advisor with LPL Financial in La Jolla, CA, holding a Series 63 designation and 38 years of industry experience. She has been with LPL Financial since 1992. Outside of her advisory role, she is involved with Sun Marine Holdings, a business entity related to yacht ownership for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by operational tools such as machine learning for research and advisor support.

James Grandinetti is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 25 years of industry experience. He worked for Gurtin Fixed Income Management, LLC for 14 years before joining Cetera and its affiliated entities in 2022. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients through a network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing both affiliated and third-party managers across various program structures.

Michelle Gonzalez is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding a Series 66 designation and five years of industry experience. She previously worked at Wells Fargo Clearing for ten years before joining JPMorgan Chase Bank and J.P. Morgan Securities three years ago. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through 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.

Robert Diehl is a CFP® professional with 28 years of industry experience, currently serving as a financial advisor at LPL Financial since 2023. He previously worked for Cetera Advisor Networks and Cetera Wealth Services for over two decades. Diehl is co-owner of two insurance agencies specializing in Medicare and various life and health insurance products. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of investment programs and platforms, combining advisory services with a broad suite of non-advisory financial products.

Colton Chapin is a financial advisor with Charles Schwab, holding a Series 66 designation and five years of industry experience. His prior work includes roles at Charles Schwab Bank and Schwab & Co., as well as varied positions outside finance. In addition to his advisory work, he is involved in rehabilitating retired racehorses to help find them new homes. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a mix of non-discretionary and discretionary investment management with multi-asset model portfolios and access to alternative investments.

Tristan Macelli is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 designation. He joined Morgan Stanley in 2026 and has prior work experience across technology and industrial sectors, including roles at Saama Technologies, Icon Technologies, and Taurex Drill Bits. Morgan Stanley Wealth Management offers a broad range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers services that encompass both direct individual plans and corporate financial planning agreements.

Miguel Herrera Fraga is a financial advisor at Charles Schwab with a Series 66 designation and recent entry into the industry. Prior to joining Schwab, his background includes roles at Vuori and involvement with Surfboardbroker Inc, alongside several years engaged in full-time education. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm provides a mix of non-discretionary and discretionary investment management using multi-asset model portfolios and offers a distinctive integrated operational structure.

Pablo Davila is a Series 66 licensed financial advisor with nine years of industry experience, currently serving clients at LPL Financial since 2018. His prior work experience includes roles at Uber, Proven Recruiting, and Thrivent Financial. Outside of his advisory role, he has participated in rideshare driving for Lyft and Uber. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and asset management solutions delivered through a large network of investment adviser representatives.

Kim Collins is a financial advisor at Merrill with 11 years of industry experience. He holds a Series 66 designation and has previously worked at RBC Capital Markets, Wells Fargo Clearing, and Oppenheimer. Outside of his advisory role, Collins is a co-owner of a commercial real estate business with his spouse. Merrill, along with its affiliate Managed Account Advisors LLC, 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, and institutional investors.

Nelly Warner is a financial advisor at LPL Financial in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to joining LPL Financial, she worked at Commonwealth Financial Network for five years and has experience in hospitality from positions at Catamaran Resort Hotel & Spa and The Lodge at Torrey Pines. She also spent two years at San Diego University for Integrative Studies. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Peter Vignevic is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. His prior work history includes positions at Merrill, Banc of America Investment Services, Inc., and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions, supported by research from Wells Fargo Investment Institute and third-party sources.

Samson Ewing is a financial advisor at Charles Schwab with Series 63 and Series 66 credentials and two years of industry experience. His prior work includes roles in marketing, insurance brokerage, and education. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary advisory models and access to discretionary separately managed accounts, employing a multi-asset investment approach supported by research from Schwab Center for Financial Research.

Kenneth Wong is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Woodbury Financial Services Inc. and Securities America, Inc. Wong is also president of Resource One, a sole proprietorship offering life, health, and long-term care insurance as well as financial advice and planning services. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services with a focus on model-based asset allocation, portfolio optimization, and customized investment strategies supported by proprietary tools and third-party managers.

Jesse Gonzales Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 27 years of industry experience. He has worked at Wells Fargo bank since 2005 and joined Wells Fargo Clearing in 2016. Outside of his advisory role, he serves as a notary public and works as a sales associate at The Home Depot. Wells Fargo Advisors provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Iris Marcovich is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 license and 11 years of industry experience. She has worked with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following several years at BBVA-affiliated firms. Morgan Stanley Wealth Management provides comprehensive advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process incorporates structured discovery and firm-approved tools, with a wide range of investment and advisory services.