Isabelle Stad is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and beginning her advisory career in 2024. Prior to joining Morgan Stanley, she held positions at Gravity Advisors and worked in various educational roles at UC San Diego and other institutions. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and tailored financial planning services supported by comprehensive planning tools and investment modeling.

Lisa Armacost is a Certified Financial Planner™ (CFP®) with five years of industry experience. She has worked at UBS Financial Services since 2011 in various roles. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, discretionary and non-discretionary portfolio management, as well as capital markets and research support.

Joseph Pitrofsky Jr. is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 credentials and has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory work, he is involved in property management through ownership and partnership in rental property ventures. Morgan Stanley Wealth Management offers a wide range of advisory programs for individuals and institutions, including tailored financial planning supported by firm-approved tools and investment committee resources. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Sergio Pedro Perez is a financial advisor with Merrill in Chula Vista, CA, holding Series 63 and Series 66 designations and bringing nine years of industry experience. His prior roles include positions at Bank of America, Wells Fargo Clearing Services LLC, and Wells Fargo Bank NA. 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 individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries. The firm’s integration with Bank of America allows access to a broad range of products and services beyond traditional investment management.

Michael Daudet is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with nine years of industry experience. He has been with Edward Jones for ten years. Daudet serves as the president of the BNI Alive San Diego chapter. 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, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, overlay and tax-efficient services, and affiliated capabilities beyond advisory services.

Amr Nada is a financial advisor at Merrill with 11 years of industry experience and holds the Series 66 designation. He has worked at Merrill since 2011 and has been with Bank of America, N.A. since 2014. 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 to individuals, high-net-worth clients, pension plans, charitable organizations, and corporate fiduciaries. The firm integrates with Bank of America’s broader platform, providing access to a wide array of financial products and services.

Cesar Bravo Berumen is a financial advisor with Merrill holding a Series 66 designation. He has professional experience across several industries, including roles at Bank of America and Uber Eats, although he currently has no years of direct financial advisory experience. His background also includes multiple positions at the University of California San Diego and other organizations. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a wide range of clients including individuals, high-net-worth clients, and institutional fiduciaries.

Jose Covarrubias is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012. Prior to his current roles, he was employed at Uber and Lyft from 2015 to 2017. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering services on a non-discretionary basis while employing a centralized due-diligence framework.

Nicolle Hudachek is a financial advisor with Robert W. Baird & Co., holding a Series 66 designation and bringing 20 years of industry experience. She has been with Robert W. Baird since 2012. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The team provides tailored consulting and portfolio services, including financial planning and discretionary management, employing a variety of investment strategies and overlay services.

Joseph Ulloa is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 56 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously spent seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment offerings.

Amy Jamieson is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 66 licenses and having 18 years of industry experience. She has been with Merrill since 2009. Outside of her advisory role, she is active as a co-leader of her daughter's Girl Scout troop in San Diego. 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, and institutional investors.

Pedro Flores is a financial advisor at UBS Financial Services with three years of industry experience. He holds Series 65 and Series 63 designations and has previously worked at U.S. Bank, U.S. Bancorp Investments, and First Citizens Bank. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans based on clients’ goals and risk tolerances.

Sarah Karpicus is a financial advisor at Edward Jones with four years of industry experience. She holds the Series 66 designation and has prior experience with Shakti Rising, a nonprofit organization focused on healing and recovery. Outside of her advisory role, she owns and manages Yellowbird Expressive Arts, an expressive arts therapy business offering individual sessions, groups, retreats, and virtual programs, and participates as a performer in a local playback theatre troupe. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

Terry Mcnellis is a financial advisor with Morgan Stanley in San Diego, holding Series 65 and Series 63 credentials and possessing 43 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he is involved in an estate-related business activity based in Encinitas, California. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and modeling techniques.

Ralph Bryan Jr. is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and having 34 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Bryan serves as treasurer on the volunteer board of the La Jolla Playhouse, where he attends meetings and oversees financial approvals. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Jesus Reyes is a financial advisor at Merrill with seven years of industry experience, including prior work at Bank of America from 2016 to 2018. He holds a Series 66 designation. Outside of his advisory role, he operates a children's book-related YouTube channel and a Mexican goods e-commerce business. 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, and institutional investors.

Alexander Wall is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and six years of industry experience. Prior to his advisory role, he worked at Charles Schwab Bank and SC Distributors, LLC, and has experience in the hospitality industry at Masters Kitchen and Cocktail. He also spent five years at California State University San Marcos. Charles Schwab & Co., Inc. serves a broad client base, 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 and discretionary investment services, supported by multi-asset model portfolios, research, and a distinctive operational structure.

George Mullen is a financial advisor with LPL Financial in Coronado, CA, holding Series 63 and Series 65 designations and bringing 39 years of industry experience. He has worked at Linsco Private Ledger Corp since 2007. Outside of his advisory role, Mullen is an occasional painter who sells oil paintings and is the author of a published book titled "Peace in the Middle East." LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, supported by a diverse selection of model portfolios, third-party research, and technology-driven investment solutions.

Mackenzie Gouge is a financial advisor at Fidelity with three years of industry experience. She previously worked at Edward Jones and has held various roles in hospitality and research sectors. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Thomas Schoettle III is a financial advisor with Cetera, holding a Series 66 designation and four years of industry experience. He has worked at various entities including General Atomics and the University of Southern California before joining Cetera in 2021. Schoettle also operates Schoettle Financial as an investment associate, focusing on investment research and asset allocation analysis. Cetera Investment Advisers LLC is an SEC-registered firm serving individual and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services with multiple program structures and access to third-party money managers.