Ronald Ceniceroz is a financial advisor at OSAIC with 33 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Integrated Wealth Strategies Inc. and Securities America, Inc. Prior to his advisory roles, he has been an insurance agent since 1986. OSAIC serves a diverse client base, including retail and institutional investors, offering integrated brokerage and advisory services with access to multiple platforms and third-party money managers. The firm utilizes a range of asset-allocation tools and portfolio management options to meet client needs.

Jesus Estrada Jr. is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 14 years of industry experience. He has worked at Wells Fargo Advisors, LLC and Wells Fargo Clearing since 2007. 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 a combination of brokerage and advisory solutions.

Douglas McPherson is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He is also a Portfolio Manager within the firm. Douglas began his career as a financial advisor in 1992 and co-founded The McPherson Ridgway Group in 2007, which joined Merrill Lynch Wealth Management in 2012. Douglas holds a Bachelor of Arts degree in Chemistry from the University of Vermont, earned in 1987, and is a CERTIFIED FINANCIAL PLANNER™ professional. He focuses on developing strategies and solutions for high net-worth individuals, their families, and businesses, helping them achieve their financial goals based on risk tolerance, time horizon, liquidity needs, and overall investment objectives. He has served on the boards of the Greater San Diego Business Association and the Trust & Estate Committee of Children’s Hospital San Diego. Douglas also has been involved in fundraising efforts for the San Diego LGBT Community Center and the Lambda Legal San Diego Chapter. He and his spouse live in the University Heights neighborhood of San Diego, where Douglas enjoys camping, gardening, hiking, music, yoga, and spending time with family.

Tsega Mehary is a financial advisor with Charles Schwab & Co., Inc. She holds Series 63 and Series 65 licenses and has 31 years of industry experience. Prior to joining Charles Schwab in 2023, she worked at TD Ameritrade Inc. for 25 years. Charles Schwab & Co., Inc. serves a large client base of 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 and discretionary investment management, utilizing multi-asset model portfolios with periodic reviews and a formal alternative investment selection process.

Brian Harris is a financial advisor at Merrill with 18 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2008 and also associated with Bank of America since 2009. Harris serves as an advisory board member for the Arizona Council on Economic Education, a charitable organization focused on economic education. 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, and institutional investors.

Kris Iverson is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. He worked at Edward Jones for three years before joining LPL Financial in 2010. Iverson operates under the DBA Kris Iverson, Inc. 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, model portfolio programs, and institutional platforms, supporting advisors with advanced research tools while overseeing over $819 billion in discretionary assets.

Dilip Gupta is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with Wells Fargo Advisors and its affiliates since 2009. Outside of his advisory role, he owns and serves as a trustee for San Diego Advisors, Inc., where he facilitates practice activities and manages the associated pension plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm offers tailored recommendations supported by proprietary research and planning tools, with optional implementation through brokerage or advisory programs.

Michael Montgomery is a financial advisor with Cetera holding a Series 66 designation and 17 years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as Thrivent Investment Management. He is based in El Cajon, CA. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Lori Iaquinta is a financial advisor at Morgan Stanley with 32 years of industry experience. She has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Her credentials include Series 63 and Series 65 registrations. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and analytical models to support its financial planning services.

David Afzal is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 66 credentials and has previously worked at SagePoint Financial, Inc. and National Planning. Outside of advising, he serves as a board member and Treasurer of the Stonecrest Village Homeowners Association, where he reviews and presents financial statements. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs a range of investment strategies supported by proprietary tools and multiple advisory platforms.

Anthony Baker is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked 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 tailored financial planning and a wide range of advisory programs, managing approximately $2.74 trillion in client assets.

Courtney Breen is a Wealth Management Advisor at Merrill Lynch Wealth Management. She joined Merrill Lynch as an intern in 2017 and started full-time in 2018, working with individuals, families, business owners, and nonprofit organizations to achieve their financial goals. Her approach emphasizes building long-term relationships based on trust, transparency, and understanding her clients' goals and values. Courtney specializes in comprehensive financial planning across various life stages, including wealth accumulation, retirement planning, estate preservation, and legacy planning. She holds several professional designations, including Certified Exit Planning Advisor (CEPA), Certified Plan Fiduciary Advisor (CPFA), Certified Financial Planner (CFP), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Additionally, Courtney holds the California Life, Accident & Health license and Series 7 & 66 FINRA registrations. She earned a Bachelor's Degree in Business Administration with an emphasis in Finance from San Diego State University. Born and raised in San Diego, Courtney resides with her fiancé Chris and their rescue dog, Willow. Outside of her professional work, she enjoys boating, camping, hiking, pickleball, skiing, tennis, yoga, traveling, and spending time with her family.

Kristina Lingo is a financial advisor at Cetera with 20 years of industry experience. She holds the Series 66 designation and previously worked at LPL Financial for 22 years before joining Cetera in 2025. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, 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 that includes affiliated and third-party money managers.

Bradley Berman is a financial advisor at Edward Jones with 25 years of industry experience. He holds the Series 63, Series 65, and Series 66 designations. Prior to joining Edward Jones, he spent 20 years at Reilly Financial Advisors, LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory strategies and investment products supported by a nationwide network of over 23,000 advisors and manages approximately $1.01 trillion in assets under management.

Evan Cantalupo is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 11 years of industry experience. His prior roles include positions at Cetera Investment Services and Foresters Advisory Service. Outside of advisory work, he is active as an Airbnb host. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors and various operational tools.

Daniel Igartua is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at various J.P. Morgan Chase entities since 2011. J.P. Morgan Securities LLC 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 broker-dealer and investment adviser registrations, delivering services on a non-discretionary basis with a centralized due-diligence framework.

Maxwell Mccallop is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at First National Capital and various engagements related to Boise State University and Tutto Fresco Kitchen & Bar. Fidelity, through its Strategic Advisers LLC subsidiary, provides investment management and advisory services to a diverse client base, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary portfolios, fund advisory, and model portfolio delivery.

Caitlyn Reed is a Series 66-registered financial advisor with Equitable Advisors in San Diego, CA, where she has worked since 2021. She has five years of industry experience, including roles in education and healthcare prior to joining the firm. Reed is also involved with a local BNI networking group in San Diego. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm’s advisory approach includes matching clients to models or discretionary managers, utilizing a range of investment products and third-party program sponsors.

Joubin Rahimi is a financial advisor at Merrill with four years of industry experience. He holds the Series 63 and Series 66 designations and has previously worked at East West Bank, Banc of California, and First Foundation Bank. Outside of his advisory role, he manages a rental property through an entity called Innovative Enterprises, Inc. 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 model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Brady Foley is a financial advisor at LPL Financial with 27 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2009, previously spending eight years at Raymond James Financial Services and one year at Raymond James Financial. Outside of his advisory role, Foley is involved with Foley Financial Services, Inc., a business entity used for tax and investment purposes. 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 services including financial planning, model portfolios, and institutional platforms, with advice delivered by investment adviser representatives who utilize a variety of investment strategies and operational tools.