Melody Donnelly is a financial advisor at Charles Schwab with 14 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at TDAmeritrade, Word and Brown, and The Prudential Insurance Company of America. Outside of advising, she has a long-standing involvement with Laz Parking since 2016. 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 affiliated discretionary separately managed accounts.

Garret Campbell is a Series 66 credentialed financial advisor with 10 years of experience at Thrivent Investment Management. He has been with Thrivent Financial since 2016. Outside of his advisory role, Campbell serves as a board member for Casa Esperanza para Niños, an organization supporting abandoned and abused children in Hermosillo, Mexico. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based financial analyses across multiple planning areas. The firm offers these services through a large network of advisors while maintaining planning and managed-account services as separate options under its WealthPlan program.

Eithar Gaggi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 13 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has also worked with JPMorgan Chase Bank, N.A. since 2011. Outside of her advisory role, she owns a rental property. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver its services.

John Galano is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His prior roles include positions at Merrill and Bank of America. Morgan Stanley Wealth Management serves both individual and institutional clients, managing approximately $2.74 trillion in assets through a range of advisory programs and financial planning services that incorporate firm-approved tools and investment committee insights.

Tiffany Cederlind is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Wells Fargo Advisors Financial Network since 2026 and has prior experience with Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients through a broad range of planning options tailored to clients meeting certain net-worth criteria. The firm’s services include specialized planning solutions and utilize Wells Fargo research and tools to develop tailored recommendations, with clients able to implement advice through various brokerage or advisory programs.

Jason Kriz is a Financial Consultant currently working with Fidelity Investments since 2024. He partners with clients and families to help build sound financial plans aimed at fostering confidence in their financial decisions. Jason employs a needs-based approach to collaborate with clients over the long term, adapting to life's changes. His professional experience includes roles as a Financial Consultant and Executive Relationship Manager at Morgan Stanley from 2020 to 2024, Senior Financial Sales Advisor at BBVA Compass from 2018 to 2020, and Financial Advisor at Edward Jones from 2016 to 2018. Jason holds a California Insurance License and is a Certified Financial Planner (CFP®). Outside of his professional work, Jason enjoys interests such as food, golf, theater, traveling, and volunteering.

Eduardo Marek is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and possessing 13 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through both direct and corporate financial planning agreements.

Jaime Lima is a financial advisor at Morgan Stanley with five years of industry experience. Prior to joining Morgan Stanley, he worked at the Center for Oral and Facial Surgery. He is registered with the Series 66 designation. Outside of his advisory role, he is a partner involved in property management through C&L Land Company in Santee, California. Morgan Stanley Wealth Management provides a wide range of advisory programs for individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Bradley Sissons is a financial advisor at Edward Jones with 31 years of industry experience. He has been with Edward Jones since 2000 and holds Series 63 and Series 65 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kirk Loberman is a financial advisor at Wells Fargo Advisors with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Axa Advisors from 2008 to 2020. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using Wells Fargo research and planning tools.

George Viray is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 designations and 25 years of industry experience. He previously worked at Mass Mutual Investors Services and Ameriprise Financial Services. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charitable organizations, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs. The firm operates as both an SEC-registered investment adviser and broker-dealer, utilizing a broad range of sponsored programs and endorsed TAMPs to deliver advisory and brokerage solutions.

Gail Phillips is a financial advisor with Morgan Stanley Smith Barney LLC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through a structured planning process and various investment strategies.

Linda Stirling is a financial advisor at Raymond James & Associates with 38 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Raymond James since 2021, following a tenure at UBS Financial Services beginning in 2013. Outside of her advisory role, she serves as Chairman of the Board for Umbrella Ministries, a charity providing grief support for mothers who have lost a child, and is the author of the book *Hope for a Broken Heart*, which supports this ministry. Raymond James & Associates offers financial planning and investment consulting to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm emphasizes tailored financial plans and investment recommendations, supporting both retail and institutional clients through a range of advisory programs.

Wassim Abifaker is a financial advisor at UBS Financial Services with 24 years of industry experience. He holds Series 66 and Series 63 registrations. His prior experience includes roles at Charles Schwab and TD Ameritrade Investors Services. UBS Financial Services serves individual, corporate, and institutional clients with 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.

Arthur Peredo Muniz is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 22 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, he is involved with Muniz Consulting, Inc., which offers non-variable insurance products, and Muniz Consulting, LLC, a business entity used for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of representatives. The firm provides various advisory programs, financial planning, retirement plan consulting, and brokerage services, offering both discretionary and non-discretionary management supported by research and model portfolios.

Gregg Palmer is a financial advisor at UBS Financial Services with 29 years of industry experience. He previously worked at First Republic Bank and its affiliated investment firms from 2011 to 2023. Palmer holds Series 63 and Series 65 licenses and is based in La Jolla, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Michael Curry is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services. Outside of his advisory role, he serves as an officer for the PIHRA West Los Angeles Chapter, a civic organization. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and analytical tools but does not offer individual security recommendations as part of standalone plans.

Joshua Perri is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan and its affiliated entities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to clients including corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, delivering these services through a team of Wealth Advisors.

Jonathan Isaac is a financial advisor with Osaic who holds Series 63 and Series 66 designations and has 27 years of industry experience. He previously worked at SagePoint Financial, Inc. from 2009 to 2023 and has been affiliated with Independent Capital Management since 1999. Outside of advisory services, he is involved in mortgage origination and serves as a certified estate planner referring clients for estate planning services. Osaic Wealth, Inc. serves a mix of retail and institutional clients through a broad network of affiliated advisers, offering integrated brokerage, investment advisory, financial planning, and retirement consulting services. The firm employs various portfolio construction tools and provides access to third-party money managers and managed account solutions.

Linda Hunt is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with nine years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.