Salvador Guzman is a financial advisor at Cetera with one year of industry experience and holds the Series 66 designation. Prior to joining Cetera, he worked at E.W. Scripps and has been involved in the entertainment industry as a disc jockey and MC with Epic Entertainment and Almost Famous Entertainment. Outside of his advisory role, he is active in event entertainment, providing DJ and MC services for weddings and events. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a broad network of independent advisors. The firm offers a range of portfolio management strategies and financial planning services using multiple program platforms and a variety of discretionary authorities.

Britt Stephens is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and 16 years of industry experience. Prior to joining LPL Financial in 2021, she worked with various insurance carriers, Employer Services Group, Lumena Financial Strategies, Inc., and Waddell & Reed Inc. She is also involved with Lumena Financial Strategies, Inc. as a DBA entity related to her LPL practice. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, with investment options supported by internal research, third-party subadvisors, and various portfolio management solutions.

Aaron Herrscher is a financial advisor at Fidelity with Series 63 and Series 65 credentials and six years of industry experience. Prior to joining Fidelity in 2025, he worked at Financial Sense Wealth Management for five years and held positions at Sage Stone Wealth Management and Salient Wealth Planning. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and IRS-qualified Charitable Gift Funds. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, and it serves a range of clients through discretionary and non-discretionary advisory services.

Darrel Madison is a Certified Financial Planner (CFP®) with 26 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory services. The firm’s process is investment policy statement (IPS) driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

William Corder is a financial advisor with Raymond James Financial holding a Series 66 designation and 20 years of industry experience. He previously worked at Manning Wealth Management, Inc. for 12 years and Commonwealth Financial Network for 15 years. Outside of his advisory role, he serves as Chief Operating Officer of The Manning Companies, a support business based in San Diego. Raymond James Financial Services Advisors provides financial planning and investment consulting to individual and high-net-worth investors, pension plans, charitable organizations, and government entities. The firm offers tailored, typically non-discretionary advisory services and administers specialized programs such as the SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Michael Donaldson is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Co., Inc. since 2022, following an eight-year tenure at TD Ameritrade Inc. Charles Schwab & Co., Inc. serves 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 a combination of non-discretionary advisory relationships alongside discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Tyler Tong is a financial advisor at LPL Financial with 11 years of industry experience. He holds the Series 66 credential and has worked at LPL Financial since 2018. Outside of his advisory role, he is the owner of East Village Tax, a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, financial planning, and brokerage services supported by in-house and third-party research.

Jorge Guerra is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory work, he is an author of a children's book. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning process uses structured discovery and advanced modeling tools, offering tailored solutions while generally acting in an advisory capacity.

Stephany Calvillo is a financial advisor at Merrill with one year of industry experience. She holds the Series 66 designation. Prior to joining Merrill in 2018, she worked at Walter Clark Legal Group and LG's Steakhouse. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base that includes individuals, high-net-worth clients, and institutional investors.

Dylan Miller is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has prior experience working in the restaurant and education sectors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured discovery processes and advanced analytical tools.

Amber Reams is a financial advisor at Osaic with 12 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at firms including Commonwealth Financial Network, LPL Financial, and CETERA Advisor Networks. Outside of her advisory role, she is involved in accounting and tax preparation through her work at Financial Planning Department, Inc. Osaic Wealth serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services along with financial planning and retirement plan consulting. The firm utilizes various asset-allocation tools and third-party platforms to provide diversified portfolio management across multiple investment types.

Emily Shipcott is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and has a diverse work background including roles with the San Diego Padres, Seattle Mariners, and Amazon. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 advisors, offering a range of advisory programs and investment strategies under a fiduciary standard.

Gregory Roel is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1999 and brings over 20 years of experience in the financial services industry. Greg holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and a certificate in Personal Financial Planning from San Diego State University. Prior to his career in financial services, he worked as a national sales manager for a privately held textile chemical company. Greg is a native of San Diego and resides in La Mesa with his wife, Rebecca, and their daughter, Jessica. He holds a High School Diploma from Patrick Henry and maintains the Professional Investment Advisor (PIA) designation.

Ramona Delarosa is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. She has worked across several Cetera entities since 2018 and has prior experience in wellness and dental fields. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets with a network of more than 10,000 advisors.

William Bonelli is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, N.A. Outside of his advisory role, Bonelli serves on the boards of local youth organizations, including Mission Bay Youth Baseball and Mission Bay Youth Field Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutional clients. The firm focuses on tailored financial planning supported by structured discovery processes and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Calen Ketcham is a financial advisor with Raymond James Financial Services Advisors, holding Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Raymond James in 2026, he worked at Commonwealth Financial Network for seven years and Everyday California for one year. He is also an associate at The Manning Companies, where he serves as a senior client service representative. Raymond James Financial Services Advisors offers financial planning, investment consulting, and advisory services to individual and institutional clients, including high-net-worth investors and public entities. The firm provides tailored, typically non-discretionary advisory solutions and supports specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

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.

Darryle Grimes is a Series 66-licensed financial advisor with nine years of industry experience, currently with Ameriprise in San Diego, CA. His prior experience includes six years at First Command Advisory Services and three decades with the US Air Force ROTC Detachment 075. He serves as Treasurer on the Board of Directors for the Military Officers Association of America, Miramar Chapter. Ameriprise provides retirement-income planning primarily for individuals nearing or in retirement who meet certain asset thresholds, utilizing a centralized consulting team that delivers written, non-discretionary recommendation reports combining research, modeling, and tax-efficiency analysis.

Amy Horsley is a financial advisor with Merrill, holding a Series 66 designation and 15 years of industry experience. Her prior work includes roles at TD Ameritrade and Bank of America. She is based in Santee, California. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base that includes individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries.

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.