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.

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.