Loc Vo is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America, Vinfast, SagePoint Financial, Independent Capital Management, and HSBC. Outside of advisory work, he is a co-owner of family-run rental property investments. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Martha Berumen is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63, 65, and 66 licenses and with 17 years of industry experience. She 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 and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers a wide range of retail and institutional investment products.

Jose Lopez is a financial advisor at Morgan Stanley with six years of industry experience. His career includes positions at Wells Fargo Bank NA and Wells Fargo Clearing Services LLC before joining Morgan Stanley Smith Barney LLC in 2022. Lopez holds Series 63 and Series 66 licenses and is based in San Diego, CA. 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, including tailored financial planning using firm-approved tools and models, and manages approximately $2.74 trillion in client assets.

Layla Kouriri is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and having eight years of industry experience. Her prior roles include positions at RBC Capital Markets, TD Ameritrade Institutional, Lyft, and Pacific Beach Restaurant Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Evan Thomas is a financial advisor at OSAIC with a Series 66 designation and one year of industry experience. His prior work includes roles at several technology companies, such as Netomi, SiteLock, and Zingle. OSAIC Wealth serves a wide range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm utilizes a model-based investment process with various portfolio management options and is noted for its scale and complex affiliate network.

Braden Botkin is a CFP® and CFA® with 18 years of industry experience. He has worked at LPL Financial since 2019 and previously spent 11 years with Madison Avenue Securities, Inc. He operates a business under the name Botkin Investment Services in San Diego, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Usman Ahmed is a financial advisor at J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 registrations with 17 years of industry experience. He has been with J.P. Morgan Securities and J.P. Morgan Chase Bank since 2012 and previously worked at DoorDash from 2016 to 2018. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework, with implementation support from affiliated investment entities.

David Bretz is a CFP® professional with 27 years of industry experience, currently affiliated with Cetera. He has worked at Cetera and its related entities since 2013 and is owner and president of Everstead Financial Group, a financial services firm. Bretz also serves as president of Bretz Financial Group, which focuses on tax and expense management, and holds a role as an insurance agent for fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Jason Lyons is Vice President and Branch Leader at Fidelity Investments, a position he has held since 2023. In this role, he focuses on understanding client needs through planning and helping wealth management teams create customized strategies. His objective is to help clients gain confidence in their financial plans to support their life goals. Prior to joining Fidelity Investments, Jason served as Branch Manager at E*TRADE from Morgan Stanley from 2009 to 2023. He holds a California Insurance License. Outside of his professional work, Jason has interests in biking, fitness, gardening, parenthood, pets, and surfing.

Heath Haggerty II is a financial advisor with LPL Financial in La Jolla, CA, holding one year of industry experience. He has also operated HJH Professional Services, Inc., doing business as Pacific Beach Tax Center, since 2014. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Aaron Montez is a CFP® professional with 26 years of industry experience currently affiliated with LPL Financial. His previous roles include positions at Lincoln Financial Advisors Corporation and Equitable Advisors, spanning nearly two decades. Montez also maintains involvement with several business entities for tax and investment purposes outside of his advisory work. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors and advanced operational tools.

Alvaro Macias Gonzalez is a financial advisor at Charles Schwab with four years of industry experience. He holds the Series 66 and Series 63 designations and has worked at Charles Schwab since 2023, following prior experience at TD Ameritrade and several other organizations. Charles Schwab & Co., Inc. serves a large 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Eric Anderson is a financial advisor with Merrill in La Mesa, CA, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2008. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm integrates closely with Bank of America affiliates and emphasizes managed account and manager-selection capabilities supported by tax-focused investment strategies.

Scott Hollaender is a Series 66-registered financial advisor at UBS Financial Services with 22 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he serves on the Board of Directors for Junior Achievement of San Diego, participating in efforts to teach children financial literacy. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and delivers advisory work supported by proprietary research and model-based asset allocations.

Monica Piepenkotter is a Private Wealth Advisor at Merrill Private Wealth Management with over 25 years of experience in comprehensive private wealth management strategies. She works closely with high-net-worth individuals, families, and non-profit institutions to develop personalized financial plans that integrate investment management, estate planning, and family dynamics. Monica's approach involves coordinating with clients' tax and legal advisors to align their wealth with their goals and values. Her professional background includes roles in derivative risk management and equity portfolio management, supporting a breadth of sophisticated financial needs. Monica holds a Master's degree and a Bachelor's degree from the University of Wisconsin-Madison. She is both a Chartered Financial Analyst (CFA) charterholder and a CERTIFIED FINANCIAL PLANNER (CFP) professional. Monica has been actively involved in community organizations, serving as a Board Member for Girl Scouts San Diego. Outside of her professional role, she enjoys boating, cooking, pickleball, reading, running, spending time with her family, and traveling.

Patrick Herrington is a CFP® with 17 years of industry experience. He is currently affiliated with Edward Jones, where he has worked since 2025. Prior to that, he spent 17 years at LPL Financial. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Luis Camou is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and previously worked at Actinver Securities, Inc., TRANS Network LLC, R.L. JONES, and Tecnologico de Monterrey. He has been with Morgan Stanley since 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets.

Ivy Edmunds is a Series 66 licensed financial advisor with UBS Financial Services in San Diego, CA, bringing 14 years of industry experience. She has been with UBS since 2009. Outside of her advisory work, she is involved with CorePower Yoga. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research, underwriting, and securities-backed lending programs.

Jada Coleman is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. Outside of her advisory role, she works part-time in retail positions, including at Ascena Retail Group and previously at Target Corporation. 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 institutions.

Andrew Zimmer is a financial advisor at LPL Financial with 13 years of industry experience. He holds Series 63 and Series 65 credentials and has been with LPL Financial since 2015. Outside of his advisory role, Zimmer is the owner of Sidepod Gaming, LLC and the Little Italy Pickleball Club, both non-investment-related businesses. 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 portfolios, and institutional platforms, supporting advisors with various investment strategies and operational tools.