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.

Kevin Hansen is a CFP® with 17 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities. He has been with J.P. Morgan Securities since 2012 and has worked at Jpmorgan Chase Bank, N.A. since 2004. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Andrew Bartlett is Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2022. He works closely with clients to develop strategies that align with their financial goals and assist their families both now and in the future. His approach centers on client needs, values, and business beliefs. Andrew has been with Fidelity Investments since 2014, progressing through roles including Financial Consultant, Investment Consultant, Investment Solutions Representative, and Financial Representative. Prior to joining Fidelity, he completed an internship at Raymond James in 2013. He holds a California Insurance License. Outside of his professional work, Andrew enjoys baseball, golf, hiking, softball, and yoga.

Anette Schol Bermel is a financial advisor with Cetera who holds a Series 66 designation and has 16 years of industry experience. She previously worked at Avantax Advisory Services and First Command Advisory Services, among other firms. In addition to her advisory role, Bermel is involved in tax preparation and bookkeeping services through Professional Financial Services in La Mesa, CA. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, retirement plans, corporate and charitable organizations, and institutional accounts. The firm offers various portfolio management and financial planning services, utilizing a multi-manager platform with access to both affiliated and unaffiliated third-party managers.

John Parmenter is a financial advisor at Fidelity with 12 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Fidelity Investments since 2012, including roles at Fidelity Personal and Workplace Advisors since 2018. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, through discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm combines fundamental research with quantitative and algorithmic approaches and has a distinctive presence as a registered commodity pool operator and advisor to multiple registered investment companies.

Anthony Diblasi is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Merrill since 1996 and has worked at Bank of America, NA since 2009. 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 including individuals, high-net-worth clients, and institutional investors. The firm integrates with Bank of America’s broader platform, providing access to a wide range of products and services.

Aoife Ridge is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She previously worked at TD Ameritrade for nine years before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves a large client base of 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Karla Mesta is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she worked in speech therapy and related fields for several years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of more than 23,000 financial advisors.

Robert Meyerott is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 42 years of industry experience. He has been associated with various Morgan Stanley entities since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, he and his wife are involved in managing a rental property they plan to use personally in the future. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and scenario modeling.

Jorge Figueroa is a financial advisor at Charles Schwab with two years of industry experience. He holds a Series 66 designation and has worked in roles at Charles Schwab Bank, Charles Schwab & Co., Inc., and several hospitality and insurance companies. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts.