Ahmed Elkaray is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing personalized financial advice and guidance designed to help clients achieve their financial goals. Ahmed assists individuals and families in areas such as retirement planning, wealth growth, education planning, and navigating significant financial decisions. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation, the Chartered Retirement Planning Counselor (CRPC) certification, and the Personal Investment Advisor (PIA) credential. Ahmed earned a Bachelor's Degree from Cairo University and a Master of Business Administration (MBA) from Lincoln University. He is fluent in both English and Arabic. Outside of his professional work, Ahmed enjoys golfing, hiking, reading, soccer, traveling, and spending time with his family.

Michael Bradshaw is a financial advisor at Raymond James & Associates with 52 years of industry experience. He previously worked at Merrill for 45 years and Bank of America for 12 years. Bradshaw holds Series 63 and Series 65 licenses and is based in San Diego, CA. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Jana Gingerich is a financial advisor at LPL Financial with 11 years of industry experience. She holds the ChFC® designation and Series 66 license. Her prior experience includes roles at Ameriprise Financial Services, Inc., Wells Fargo Clearing, and RBC Capital Markets. Outside of her advisory work, she is also a licensed notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm supports a range of clients, including individuals and institutions, offering financial planning, model portfolios, third-party asset management, and participant-level retirement advice, with a focus on combining operational tools and oversight across extensive financial services.

Dustin Grimm is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity for over a decade, working in various capacities including Financial Consultant, Investments Representative, and Financial Representative. Prior to joining Fidelity, he worked as a Personal Banker at Bank of America from 2006 to 2008. Dustin's experience spans wealth planning and working with clients and families in diverse financial situations. He holds a California Insurance License, supporting his work in financial consulting and planning. He is committed to helping clients pursue their financial goals through comprehensive wealth planning services.

Joseph Morse II is a CFP® professional with 33 years of experience in the financial industry. He has worked at LPL Financial since 2019 and previously held roles at Wells Fargo Advisors Financial Network LLC and Citigroup Global Markets. He also operates a wealth management business affiliated with his LPL practice in La Mesa, CA. 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 financial planning and portfolio management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Julio Olague is a Series 66-licensed financial advisor with LPL Financial in San Diego, CA, with five years of industry experience. He has worked at LPL Financial since 2018, following positions at Aerotek and Allstate. 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 variety of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Eric Hutz is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management, bringing over 25 years of experience in the financial services industry. He began his career in 1999 in retail banking, progressing through various frontline and leadership roles including Teller and Branch Manager. His extensive background encompasses loan origination, small business banking, and private client advisory, which provides him with a comprehensive perspective on both personal and business finances. Since becoming a Financial Advisor in 2014, Eric has served clients primarily in the South San Diego market before expanding his practice to support clients across California and nationally. He focuses on detailed financial planning and communication, taking time to understand each client's goals and building personalized financial strategies. His approach emphasizes collaboration and long-term planning. Eric holds a Bachelor's Degree in Economics from the University of California, San Diego, and has earned several professional credentials including Certified Plan Fiduciary Advisor® (CPFA®), Retirement Accredited Financial Advisor (RAFA), Certified Exit Planning Advisor (CEPA®), and Senior Portfolio Advisor in Merrill Lynch's Investment Advisory Program. He is involved with Make-A-Wish San Diego and resides in Chula Vista with his wife and two children. Outside of his professional responsibilities, Eric enjoys practicing yoga, exploring new dining options, traveling internationally, and spending time with his family.

Michael Valentini is a financial advisor at J.P. Morgan Securities LLC with four years of industry experience. He holds Series 65 and Series 66 licenses. Prior to joining J.P. Morgan, he worked at Bank of America and Merrill Lynch. Outside of his advisory role, he occasionally performs as a bassist with a corporate and wedding band in San Diego. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

James Nuzzi is a financial advisor with OSAIC in San Diego, CA, holding the ChFC® and Series 63 designations and having 43 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 11 years. He also operates Nuzzi Financial Network, which provides insurance products including accident, health, disability, fixed annuities, and life insurance. OSAIC serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and multiple advisory platforms to manage portfolios across various asset classes.

Travis Makings is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 registrations and 26 years of industry experience. He has been with LPL Financial since 2011. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting advisors with a range of discretionary and non-discretionary strategies and operational tools.

Natalia Ledesma Hodoyan is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 credential. She joined Morgan Stanley in 2026 and has a diverse background including roles in higher education and brand-related positions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s financial planning emphasizes structured discovery and firm-approved tools without specific security recommendations in standalone plans.

Dominic Mares Do is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors in 2025, he worked in education at Cal Poly-San Luis Obispo, Pasadena High School, and Singapore American School. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a range of third-party advisory programs and emphasizes matching clients’ risk tolerance with appropriate investment models and managers.

Javier Leon is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and four years of industry experience. He previously worked at Westmont Retirement Living for one year before joining LPL Financial in 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions, offering a range of financial planning, asset management, and institutional platforms.

Austin Tipp is a financial advisor with J.P. Morgan Securities and holds a Series 66 designation. He has four years of industry experience and previously worked at First Republic Securities Company, LLC, and First Republic Investment Management, Inc. Tipp serves as an officer in the U.S. Navy Reserve. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Laura Khorshid is a Private Wealth Manager at Merrill Private Wealth Management. She provides service to individuals, families, businesses, and philanthropies, creating customized financial plans that align with each client's unique needs and working collaboratively with their advisors and a team of specialists. Laura focuses on offering advice and guidance on investment opportunities, tax minimization, estate planning strategies, and financial planning aimed at pursuing clients' goals. Laura has been in the investment industry since 2007, starting her career at Citigroup Smith Barney before joining Merrill in 2011. She oversees portfolio development, asset allocation, trading, and investment rebalancing and manages private investment exposure including equity, debt, and real estate. She evaluates alternative strategies for shareholders with single stock concentrations, focusing on protection, diversification, and liquidity. Her areas of expertise include college education planning, family wealth management, LGBT wealth planning, liquidity management, portfolio management services, socially responsible investing, women and wealth, and personal retirement planning. Laura holds a Bachelor's Degree in Business Administration with a concentration in International Business and a minor in East Asian Languages & Cultures from the University of Southern California. Through USC's International Exchange Program, she studied at National Taiwan University in Taipei, Taiwan. She is a Certified Exit Planning Advisor (CEPA) and a Personal Investment Advisor (PIA). Laura is multilingual, speaking English, Chinese, and Arabic. Outside of work, she enjoys antiquing, boxing, football, horseback riding, reading, running, spending time with her family, swimming, traveling, and yoga. She also has been involved with Sister Cities International and various USC Alumni Associations, including serving on boards and as an officer.

Jorge Llamas is an International Wealth Advisor with Merrill Lynch Wealth Management, bringing 35 years of experience in helping clients preserve wealth through various market cycles. He specializes in family wealth management strategies, international wealth management, managing new wealth, philanthropic planning, and portfolio management services. Jorge leverages his extensive knowledge in domestic and international fixed income and equity markets to diversify and allocate assets with the goal of maximizing returns while reducing risk. He holds a Bachelor's Degree from Universidad del Valle de Mexico and the Professional Investment Advisor (PIA) designation. Jorge is committed to building strong relationships with his clients, emphasizing a personalized approach to wealth management that adapts to changing market conditions. Fluent in both English and Spanish, he also engages with his community through volunteering, embodying the Merrill tradition of service. Outside of his professional pursuits, Jorge enjoys adventure sports, biking, boxing, camping, fishing, football, hiking, music, reading, and soccer. His approach combines accessibility, knowledge, and experience to assist clients in making important financial decisions.

Monette Marino is a Senior Financial Advisor at Merrill Lynch Wealth Management, having joined the firm in 2012. She works as part of the Buchanan/Sims/Essick/Marino & Associates Team and focuses on portfolio strategy, asset allocation, retirement planning including 401k and IRA services, estate planning, charitable giving, home refinancing, and custom lending (NMLS#1073810). She collaborates with specialists within both Bank of America banking services and Merrill Lynch Wealth Management to provide clients with comprehensive financial recommendations. Ms. Marino has over 20 years of experience as the CEO of a non-profit arts corporation and the owner of a music production company in San Diego. She utilizes this background to help clients develop asset and liability strategies tailored to their personal and business financial goals. Ms. Marino holds a Bachelor's Degree from the University of California San Diego and a Master's Degree from San Diego State University. She is a third-generation native of San Diego and is fluent in French and Italian. Her professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ms. Marino is involved with the Mo'Rhythm School of Percussion and participates in community initiatives such as SPOT Saving Pets One at a Time. Her personal interests include dancing, music, painting, running, skiing, and watching movies.

Christopher Rhanor is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 21 years of industry experience. His career includes roles at multiple Cetera entities and First Allied, spanning over a decade. 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 range of portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Michael Bacci is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 27 years of industry experience. His prior roles include positions at Royal Alliance Associates and Wealth Management Concepts, Inc. Outside of his advisory work, he is involved with United Christian Youth Camp in Prescott, AZ. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Rufino Autus is a financial advisor with Equitable Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and more than 30 years of industry experience. His previous roles include positions at E*Trade Securities, E*trade Capital Management, Citigroup Global Markets, and Centaurus Financial. He also serves as a trustee for his own family trust. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a wide range of clients, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes various advisory programs and third-party asset managers to tailor investment solutions, offering mutual funds, ETFs, separately managed accounts, and alternative investments.