Ronald Warner is a financial advisor with Cetera, holding a Series 66 credential and 20 years of industry experience. He has been with Cetera and its affiliate Cetera Wealth Services, LLC since 2013. Outside of his advisory role, he serves as treasurer for the San Diego Business Group, a local networking organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various investment strategies and program options, supported by a nationwide network of more than 10,000 advisors.

David Bigler is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior experience includes 20 years at UBS Financial Services and a one-year tenure at Arb. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes structured planning processes and a broad range of advisory programs.

Tasha Posa is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill Lynch since 2009. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies constructed by internal and third-party managers.

Eram Qureshi is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and three years of industry experience. Prior to Merrill, she worked at Bank of America and JP Morgan Chase. She serves as a co-trustee of a family trust. 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 investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Callahan is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management. He has been in the financial services industry for over 30 years and joined Merrill Lynch in 2008. Prior to this, he served as an Associate Branch Manager at Citi Group Smith Barney. His professional focus areas include portfolio management services, women and wealth, and retirement income. Michael holds a Bachelor of Arts degree in English Literature from San Diego State University and a Teaching Credential with a Cross Cultural Bilingual Emphasis from the same institution. He is registered with FINRA under Series 65, 63, 31, 7, 8, and SIE, and holds the Personal Investment Advisor (PIA) designation. Fluent in Spanish, Michael integrates his language skills to serve a diverse client base. Outside of his professional career, Michael enjoys a variety of personal interests including antiquing, basketball, football, gardening, music, spending time with family, traveling, watching movies, and writing. He has been married for 39 years.

Kirby Morrison is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He has been with LPL Financial since 2008 and previously worked at Edward Jones for one year. He also operates a DBA under the name Morrison Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of advisory and brokerage services including financial planning, model portfolios, and institutional platforms.

Matin Shayan is a financial advisor with J.P. Morgan Securities in La Jolla, CA, holding Series 63 and Series 66 licenses and three years of industry experience. Prior to his current role beginning in 2025, he worked at Equitable Financial Life Insurance and Equitable Advisors. Outside of his advisory work, he is a part owner of two real estate land development companies, Shayan Capital LLC and Shayan Capital Ventures. J.P. Morgan Securities serves institutional clients such as plan sponsors, corporations, and endowments by providing non-discretionary consulting services focused on asset allocation, investment manager searches, and customized reporting. The firm employs a centralized due diligence process combining quantitative and qualitative research and offers access to strategies including ESG-eligible investments, supported by affiliated portfolio implementation services.

Kaitlyn Dobbins is a financial advisor with Cetera, holding a Series 66 designation and eight years of industry experience. Her career includes roles at Park Avenue Securities, Guardian Life Insurance Company, and First Allied Securities Inc prior to joining Cetera. Cetera Investment Advisers LLC is an SEC-registered adviser serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a variety of portfolio management and financial planning services through a multi-manager platform with both discretionary and non-discretionary options, supporting over 10,000 advisors and $256 billion in assets under management.

Brian Neault is a financial advisor with RBC Capital Markets in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. His career includes prior roles at Morgan Stanley and City National Bank. Outside of finance, he consults independently in the horse racing industry, advising on the purchase of shared interests in horses. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers tailored investment strategies and multiple advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and brokerage services.

Sofia Mundy is a financial advisor with RBC Capital Markets in San Diego, holding a Series 66 designation and two years of industry experience. She has been with RBC Capital Markets since 2021 and previously worked at Merrill for 14 years. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a range of advisory programs and portfolio management services tailored to clients' risk profiles, utilizing both in-house and third-party investment managers.

Michael Matta is a financial advisor at RBC Capital Markets with 11 years of industry experience. He holds a Series 66 designation and has been with RBC Capital Markets since 2014. RBC Wealth Management, a division of RBC Capital Markets, serves a wide range of clients including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, financial planning, and custody services, tailoring strategies to each client's risk profile and utilizing both in-house and third-party investment managers.

Jose Lopez Villa is a financial advisor with J.P. Morgan Securities and holds Series 63 and Series 66 licenses. He has 10 years of industry experience, including roles at J.P. Morgan Securities and JPMorgan Chase Bank. Prior to his finance career, he was a professional boxer for nine years. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research with forward-looking capital market assumptions to build model asset allocations, incorporating an ESG eligibility framework in its recommendations.

Vanessa Vieira Arouca is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with four years of industry experience. Her prior roles include positions at Ameriprise and Nacional Financiera SNC. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning through structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services that combine financial planning with broader investment and brokerage capabilities.

Daniela Moreno is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 credential. She has been with Morgan Stanley since 2020 and previously worked at Wells Fargo Bank from 2015 to 2020. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including financial and estate planning. The firm manages approximately $2.74 trillion in client assets and utilizes a structured planning process supported by proprietary tools and market outlook models.

Jeffrey Fidel is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 23 years of industry experience. His career includes eight years each at Merrill and Bank of America, as well as eight years at TDAmeritrade. Merrill, along 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 investment strategies for a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations.

Christopher Bostick is a Wealth Management Advisor at Merrill Lynch Wealth Management, serving clients primarily in California with a focus on the Bay Area and San Diego. He works closely with individuals, couples, and families to create personalized wealth management strategies, including family wealth management, legacy planning, and personal retirement planning. His approach centers on helping clients feel informed and confident in their financial decisions through clear communication and ongoing planning. Chris has over two decades of experience in the financial industry, having joined Merrill in 2011 after seven years with Bank of America. He holds professional designations such as the Certified Private Wealth Advisor® (CPWA®) and Personal Investment Advisor (PIA). Chris earned a bachelor's degree in Speech and Communications Studies from San Francisco State University, where he was also a collegiate wrestler. Beyond his professional work, Chris values community involvement, volunteering with local organizations. His personal interests include baseball, billiards, boxing, traveling, and practicing Brazilian Jiu-Jitsu.

Bruce Porter is a CFP® professional with 25 years of industry experience. He is currently with LPL Financial and has previously worked at Cambridge Investment Research, Cooper Financial Group, Securities America, and Edward Jones. Porter serves as an elected member of the Santa Barbara County Board of Education. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides financial planning and advisory services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of investment strategies, including model portfolios and third-party asset management, supported by technology-driven tools for advisor support.

Christopher Barber is a financial advisor at LPL Financial with 15 years of industry experience. He holds the Series 66 designation and has worked previously at Commonwealth Financial Network and Unidine Corporation. Barber is based in San Diego, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser servicing individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset managers, supported by technology tools and a broad array of financial products.

Robert Berry is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and having 41 years of industry experience. He has been with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. Berry serves on the board and investment committee of the San Diego Downtown Breakfast Rotary Club Foundation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to individuals and institutions. The firm provides tailored financial planning using structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Mario Rosas is a financial advisor at UBS Financial Services with 25 years of industry experience. He has been with UBS since 2006, including roles at UBS Financial Services and UBS International Inc., and previously worked at Banc of America Investment Services, Inc. His credentials include Series 63 and Series 66 licenses. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans according to clients’ goals and risk tolerances.