Dylan Miller is a financial advisor at Morgan Stanley with one year of industry experience. He holds a Series 66 designation and has prior experience working in the restaurant and education sectors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and advisory programs supported by structured discovery processes and advanced analytical tools.

Amber Reams is a financial advisor at Osaic with 12 years of industry experience. She holds Series 66 and Series 63 licenses and has worked at firms including Commonwealth Financial Network, LPL Financial, and CETERA Advisor Networks. Outside of her advisory role, she is involved in accounting and tax preparation through her work at Financial Planning Department, Inc. Osaic Wealth serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services along with financial planning and retirement plan consulting. The firm utilizes various asset-allocation tools and third-party platforms to provide diversified portfolio management across multiple investment types.

Emily Shipcott is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and has a diverse work background including roles with the San Diego Padres, Seattle Mariners, and Amazon. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 advisors, offering a range of advisory programs and investment strategies under a fiduciary standard.

Gregory Roel is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined the firm in 1999 and brings over 20 years of experience in the financial services industry. Greg holds the CERTIFIED FINANCIAL PLANNER (CFP) certification and a certificate in Personal Financial Planning from San Diego State University. Prior to his career in financial services, he worked as a national sales manager for a privately held textile chemical company. Greg is a native of San Diego and resides in La Mesa with his wife, Rebecca, and their daughter, Jessica. He holds a High School Diploma from Patrick Henry and maintains the Professional Investment Advisor (PIA) designation.

Ramona Delarosa is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. She has worked across several Cetera entities since 2018 and has prior experience in wellness and dental fields. 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 multi-manager platform featuring discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers, managing over $256 billion in assets with a network of more than 10,000 advisors.

William Bonelli is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 22 years of industry experience. He has been with Morgan Stanley since 2009, including time at Morgan Stanley Private Bank, N.A. Outside of his advisory role, Bonelli serves on the boards of local youth organizations, including Mission Bay Youth Baseball and Mission Bay Youth Field Association. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing advisory programs to individuals and institutional clients. The firm focuses on tailored financial planning supported by structured discovery processes and advanced modeling tools, managing approximately $2.74 trillion in client assets.

Calen Ketcham is a financial advisor with Raymond James Financial Services Advisors, holding Series 66 and Series 63 licenses and four years of industry experience. Prior to joining Raymond James in 2026, he worked at Commonwealth Financial Network for seven years and Everyday California for one year. He is also an associate at The Manning Companies, where he serves as a senior client service representative. Raymond James Financial Services Advisors offers financial planning, investment consulting, and advisory services to individual and institutional clients, including high-net-worth investors and public entities. The firm provides tailored, typically non-discretionary advisory solutions and supports specialized programs such as SIMPLE IRA Employer Advisory & Consulting Services for small businesses.

Lynn Hunter is a Series 66-licensed financial advisor with 24 years of industry experience. She has worked at UBS Financial Services Inc. since 2020 and previously spent six years at Morgan Stanley. She 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 utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Darryle Grimes is a Series 66-licensed financial advisor with nine years of industry experience, currently with Ameriprise in San Diego, CA. His prior experience includes six years at First Command Advisory Services and three decades with the US Air Force ROTC Detachment 075. He serves as Treasurer on the Board of Directors for the Military Officers Association of America, Miramar Chapter. Ameriprise provides retirement-income planning primarily for individuals nearing or in retirement who meet certain asset thresholds, utilizing a centralized consulting team that delivers written, non-discretionary recommendation reports combining research, modeling, and tax-efficiency analysis.

Amy Horsley is a financial advisor with Merrill, holding a Series 66 designation and 15 years of industry experience. Her prior work includes roles at TD Ameritrade and Bank of America. She is based in Santee, California. 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, pension plans, charitable organizations, and corporate fiduciaries.

Jose Aguilar is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and offers a structured planning process supported by firm-approved tools and modeling techniques.

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.