Ronald Hidayat is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 63 designation and 24 years of industry experience. He has been with Wells Fargo Clearing since 2016. Outside of his advisory role, he coaches tennis for the City of Temecula Community Services. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Cody Rose is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 credential and seven years of industry experience. He previously worked at UBS and Northern Kentucky University before joining Morgan Stanley in 2018. Outside of his advisory role, he serves as an assistant coach for the girls varsity volleyball team at Cathedral Catholic High School. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved tools.

Geoffrey Lemoine is a Series 66-licensed financial advisor with 10 years of industry experience. He is currently with LPL Financial and previously worked at Wells Fargo Clearing and Cetera Financial Specialists. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, combining advisory services with extensive non-advisory financial activities.

Brian Field is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at LPL Financial since 2012, also serving at Lifetime Financial Advisors, Inc. since 2014. In addition to his advisory role, he has business activities related to non-variable insurance with Policy Genius and North American Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning, portfolio management, and institutional platforms, utilizing both proprietary and third-party strategies.

Brian Holman is a financial advisor with Primerica Advisors in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Primerica Advisors since 2000 and with Primerica Financial Services since 1999. Outside of advisory work, he is president of Holman BC Enterprises, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Stella Larsen is a Series 66 licensed financial advisor at J.P. Morgan Securities with 22 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018, and previously spent 12 years at Northern Trust Securities, Inc. and Northern Trust Bank. Larsen is also an officer of Villa Palma, LLC, an entity that operates residential apartment buildings in San Diego, and serves as a board member on the finance committee of the Hualalai Ohana Foundation, a nonprofit organization. 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’s advisory process integrates quantitative and qualitative research to develop model asset allocations and incorporates ESG considerations within a broader derivatives and commodities capability.

Nicolette Dal Porto is a financial advisor with LPL Financial and holds a Series 66 designation. She has four years of industry experience, including roles at Fremont Bank Investment Services and various positions connected to California Polytechnic State University, San Luis Obispo. Outside of her advisory work, she is a commissioned notary public. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, institutions, and retirement plan participants. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, and access to third-party asset managers.

Colin Wren is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing, UBS Financial Services, and A. G. Edwards & Sons, Inc. since beginning his career in 1997. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, supported by extensive operational tools and a broad network of over 22,800 advisors.

Nicholas Anderson is a financial advisor with J.P. Morgan Securities in Carlsbad, CA, holding Series 63 and Series 66 designations and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked with JPMorgan Chase Bank, N.A. since 2011. 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. Their approach combines quantitative and qualitative research, uses forward-looking capital market assumptions, and includes an ESG eligibility framework in their recommendations.

Elizabeth Sanchez is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Clearing since 2019 and has prior experience with Morgan Stanley, Morgan Stanley Private Bank, Merrill, Invest Financial Corporation, and Banc of America Investment Services. 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 both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Claudio Robertson is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 66, Series 65, and Series 63 licenses and bringing 15 years of industry experience. He has held positions at firms including Upriver Capital Management and Private Investment Bank prior to joining J.P. Morgan Securities in 2021. He also has concurrent roles at JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative screens and qualitative research to build model asset allocations and includes broader derivatives and commodities capabilities uncommon among similar institutional programs.

Christopher Pegg is a CFP® with four years of industry experience, currently serving as an advisor at J.P. Morgan Securities in San Diego, CA. He has held roles within various J.P. Morgan entities since 2023 and previously worked at First Republic Investment Management, Brown Wealth Management, and Wells Fargo Private Bank. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their program focuses on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Daniel Avram is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill and Bank of America since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions (SPS) Program to Bank of America fiduciary clients. The firm provides model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Lawrence Andrews III is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and previously worked at City National Bank and RBC Capital Markets. Andrews currently serves clients from the La Jolla, CA office. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery conversations and proprietary planning tools, managing approximately $2.74 trillion in client assets.

Robert Palatella is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 39 years of industry experience. He has worked at Wells Fargo Clearing since 2017 and previously at Morgan Stanley Private Bank, National Association from 2015 to 2017. 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 advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Brian Rosenfield is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 credentials and 10 years of industry experience. He has been with Wells Fargo Clearing since 2016 and Wells Fargo Bank, N.A. since 2015. Outside of finance, Rosenfield has ownership stakes in two businesses: Eclipse Production Company, which provides event services specializing in photo booth rentals, and Beauty As Desired LLC, a beauty services business he co-owns with his wife. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Philip Bradshaw is a financial advisor with Raymond James & Associates in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Bank of America and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions through a variety of portfolio management styles and affiliated research resources.

Melissa Snook is a Wealth Management Advisor at Merrill Lynch Wealth Management with over a decade of experience in financial advising. She began her career serving the retirees of Fortune 500 companies at a local advisory firm in San Diego. Melissa holds several professional designations, including Certified Financial Planner (CFP), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Her approach centers on developing lasting client relationships built on trust and understanding the complete financial picture to help clients attain their goals. She specializes in areas such as college education planning, employee benefits planning, executive compensation, legacy planning, personal retirement planning, portfolio management services, socially responsible and ESG investing, women and wealth, and retirement income. Melissa earned her bachelor's degree in Economics from the University of California, San Diego. She is an active community member in San Diego, serving on the Board of the La Jolla Woman's Club. Additionally, she participates in volunteering organizations including Feeding San Diego and San Diego Coastkeeper. As a native of San Diego and a long-term resident of La Jolla, Melissa is committed to the preservation of the coastline through engagement in green initiatives. In her free time, she enjoys traveling, snowboarding, and surfing.

Brett Levinson is a financial advisor at Stifel with 31 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2015. Stifel serves a wide range of clients, including individuals, institutional investors, and municipalities, providing both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which utilizes forward-looking capital market assumptions and probabilistic modeling for asset allocation and planning analyses.

Benjamin Smith is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2017 and previously held roles at U.S. Bank and Bank of America N.A. 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.