Max Zimet is a financial advisor at Ameriprise with four years of industry experience. He holds a Series 66 designation and previously worked at JP Morgan Chase and Palomar College. Outside of Ameriprise, he is employed by SD Socal Group LLC, where he manages an advisory business. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research and modeling with tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Mark Marcelo is a financial advisor with J.P. Morgan Securities in Chula Vista, CA, holding Series 63 and 65 licenses and five years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company and Northwestern Mutual Investment Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Anthony Gee is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he supports clients in addressing a range of financial objectives, including retirement planning, funding education expenses, and developing customized strategies to meet long-term family goals. Anthony holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from San Diego State University. His approach emphasizes aligning financial planning with each client's unique priorities, aiming to simplify the investment process and enhance transparency throughout the wealth management journey.

Anthony Bayona is a financial advisor at Raymond James Financial with 17 years of industry experience. He previously worked at Edward Jones for 11 years before joining Raymond James in 2025. Bayona is also an author engaged in publishing activities outside of his advisory work. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, corporations, pension and profit-sharing plans, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and investment consulting, utilizing analytical tools to illustrate potential outcomes.

Bradley Maienschein is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds Series 66 and Series 63 designations and has worked previously at Morgan Stanley Smith Barney LLC, as a self-employed trader, and at Gelber Group. He 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 leverages proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Carlos Carrillo is a financial advisor at LPL Financial with 34 years of industry experience. He holds Series 63 and Series 65 credentials. His prior roles include positions at CUNA Mutual Group, Questar Capital Corporation, Cetera Investment Services, and Independent Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory services, including financial planning, model portfolios, third-party asset management, and institutional platforms, with investment management conducted through both discretionary and non-discretionary strategies.

Christopher Kozo is a CFP® with 27 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at 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 advice. The firm’s IPS-driven approach includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs, tailored to plan objectives and risk tolerances.

Stefano Rakigjija is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2018. Outside of finance, he assists in design work for a small high-end garment manufacturing company founded by his brother. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs firm-approved planning tools and modeling techniques as part of its structured financial planning process.

Daniel Cohn is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management based in the Del Mar San Diego office. He holds the Chartered Retirement Planning Counselor (CRPC) designation and operates within the line of business at Merrill Lynch Wealth Management. Daniel works collaboratively with clients to develop financial plans and investment strategies tailored to their individual goals, providing ongoing advice as their needs evolve. He has a Bachelor's Degree in Mathematical & Computational Science from Stanford University and holds three FINRA/SEC securities licenses. Prior to joining Merrill Lynch, Daniel spent his career on Wall Street in New York, working with wealth management teams, commodities and rates trading desks, and in equity research covering various sectors including Utilities and Clean Energy. His experience informs his approach to helping individuals and families navigate diverse market environments. Daniel's client focus encompasses areas such as college education planning, equity compensation services, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, small business strategies, and sectors like sports and entertainment. Outside of his professional role, he has personal interests in fishing, golfing, pickleball, running, soccer, and tennis.

Alan Peller is a financial advisor with Morgan Stanley Wealth Management in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior work includes roles at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory work, he is involved in rental property management alongside his spouse. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, emphasizing structured financial planning supported by firm-approved tools and research from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning services both directly and through corporate financial planning agreements.

Arben Qirjazi is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. His prior experience includes 24 years at Waterhouse Securities, Inc. and a year at Charles Schwab and Co., Inc. He is based in San Diego, CA. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Donaven Yousif is a financial advisor at Edward Jones in La Mesa, CA, holding a Series 66 credential with eight years of industry experience. He previously worked at Wells Fargo Bank for one year before joining Edward Jones in 2017. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Nadine Allo is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has previously worked at Bank of America from 2010 to 2021 before joining Merrill in 2021. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

Juan Cabanas Ramirez is an International Wealth Advisor and a member of the Cabanas-Malfavon team located in downtown San Diego. He began his career at Merrill Lynch Wealth Management in early 2023 and works with a select group of global families, executives, retirees, and entrepreneurs across the United States and Mexico. Juan focuses on creating personalized financial plans that encompass all aspects of wealth management, including investing, retirement planning, and behavioral finance education. His expertise lies in family wealth management strategies, international wealth management, and portfolio management services. Juan strives to provide research-backed investment guidance and navigates complex financial situations for his clients. He takes a personal approach to advising, aiming to be a key part of his clients' lives by helping them achieve their financial goals. Juan graduated in 2022 from the University of San Diego with a bachelor's degree in finance. He holds the Chartered Financial Analyst (CFA) and Personal Investment Advisor (PIA) designations. He is proficient in both English and Spanish. In his free time, Juan enjoys music, playing pickleball, reading, skiing, and spending time with his family.

Traci Sherrod is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 25 years of industry experience. Her career includes roles at multiple Cetera entities since 2013 and at Girard Securities, Inc. from 2013 to 2017. She also serves as a FINRA and NFA arbitrator, a role she has held since 2010 and 2012 respectively. Cetera Investment Advisers LLC is an SEC-registered adviser that supports 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 access to affiliated and third-party managers, operating at scale with over $256 billion in assets and more than 10,000 advisors.

Jeffrey Macelli is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Richard De Sola is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. He has worked with J.P. Morgan Securities LLC since 2020 and has been with JPMorgan Chase Bank, NA since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Ryan Kimes is a CFP®-designated financial advisor with six years of industry experience, currently affiliated with J.P. Morgan Securities. His prior roles include positions at WCG Wealth Advisors, Pure Financial, Superior Planning Inc., and Sentinel Wealth Management LLC. He is also employed by JPMorgan Chase Bank, where he offers certain bank products and services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Nicole Gilbert is a financial advisor with LPL Financial in La Mesa, CA, holding a Series 66 designation and 18 years of industry experience. She previously worked at Mass Mutual Investors Services and Massmutual Life Insurance Company. Gilbert is also a notary and co-trustee of a revocable trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions supported by research and technology tools, serving over 22,800 advisors and managing more than $819 billion in discretionary assets.

Ari Feldman is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.