Juan Lujan Valladolid is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and 18 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Outside of his advisory role, he is a minority shareholder in a family advertising business and serves on several educational and community boards, including the University of California San Diego Rady School of Management Dean's Advisory Council and the UCSD Foundation Investment Committee. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individual and institutional clients. The firm emphasizes structured financial planning supported by proprietary tools and serves clients through both direct relationships and corporate agreements.

Meghann Connelly is a financial advisor at Merrill with 11 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2014. 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 offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Troy Darrock is a CFP® with eight years of industry experience, currently serving as a financial advisor at Ameriprise. His prior roles include positions at Mariner Independent Advisor Network, LPL Financial, and Edward Jones. He also has experience in the retail sector, having worked at Pura Vida Bracelets and Clae Footwear. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Andrew Bitterlin is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 15 years of industry experience. He has been with Wells Fargo since 2010, initially at Wells Fargo Advisors LLC and then at Wells Fargo Clearing since 2016. Outside of his advisory role, he serves as a co-trustee managing investment-related responsibilities for family members and close associates. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory options. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Brian Elefante is a CFP® with 12 years of industry experience, currently serving as a financial advisor at LPL Financial since 2015. He operates through Elefante Financial Services, a business entity associated with his work at LPL. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions, with offerings that include financial planning, model portfolios, and institutional platforms.

Emily Ueno is a financial advisor at RBC Capital Markets in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to joining RBC Capital Markets, she worked in roles at Rivian and Agile Pursuits, among other organizations. RBC Wealth Management serves a diverse client base including individual investors, institutional clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory programs with tailored investment strategies implemented through a combination of in-house and third-party managers, complemented by RBC’s capital markets capabilities and affiliated asset management resources.

Samantha Zetouna is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 11 years of industry experience. She has worked at J.P. Morgan Securities and JPMORGAN Chase Bank, N.A. since 2014. J.P. Morgan Securities LLC provides institutional consulting services to clients such as 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 brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Kasey Shen is a financial advisor with Charles Schwab in La Jolla, CA, holding Series 65 and Series 63 licenses with one year of industry experience. Prior to joining Schwab, Shen worked at AuguStar Financial and has experience outside finance including in the restaurant industry and education. 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, combining non-discretionary advisory relationships with access to discretionary separately managed accounts and alternative investment options.

Christopher Fantini is a financial advisor at Fidelity with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has been associated with various Fidelity entities since 2015. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio delivery. The firm integrates fundamental research with quantitative analysis and algorithmic portfolio construction, and it serves as a registered commodity pool operator and advisor to multiple registered investment companies.

Riley Moulton is a financial advisor at Fidelity with a Series 66 designation and recent entry into the industry. Prior to joining Fidelity, Riley held roles in various sectors including education, legal services, and environmental regulation. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research and quantitative analysis to construct model portfolios that include mutual funds, ETFs, and ETPs. The firm also employs algorithmic methods and AI in its investment process and serves as an advisor to multiple registered investment companies.

Mahmoud Abdelhalem is a financial advisor at LPL Financial with 22 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2008, following four years at Ameriprise. Outside of his advisory work, he is also an artist and may sell his original artwork in the future. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by both proprietary research and technology tools.

Michael Swain is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved with Swain Wealth Management, which focuses on fixed term life, whole life insurance, fixed annuities, and health insurance. LPL Financial is a national broker-dealer and registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by advanced operational tools and a network of over 22,800 advisors.

Kevin Liu is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at SAGEPOINT FINANCIAL since 2012 and at INDEPENDENT CAPITAL MANAGEMENT from 2012 to 2023. Outside of advisory work, he is involved in mortgage brokerage and estate planning referral services through other business activities. OSAIC serves a diverse range of retail and institutional clients, offering integrated brokerage and investment advisory services via a large network of advisers. The firm utilizes firm-provided asset-allocation tools, risk-tolerance questionnaires, and automated rebalancing to construct portfolios across various asset classes, and it supports both discretionary and non-discretionary account management.

Ricardo Tiscareno is a Financial Advisor with Merrill Lynch Wealth Management. He works closely with clients to develop personalized financial strategies that align with their unique ambitions and family priorities. His approach focuses on providing clarity and simplicity in investment planning while addressing key goals such as education funding, retirement income, managing new wealth, and legacy planning. Ricardo also incorporates values-based areas of focus including socially responsible and ESG investing, as well as LGBT wealth planning and tax minimization. Ricardo holds the Personal Investment Advisor (PIA) designation and earned his high school diploma from Addison Trail High School. He is bilingual in English and Spanish, allowing him to serve a diverse client base. Outside of his professional work, Ricardo enjoys outdoor activities such as badminton, camping, hiking, rock climbing, running marathons, skiing, and spending time with his family. His client-centered philosophy emphasizes uncovering what matters most to each family to guide the creation of tailored financial strategies.

Jared Cummings is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is a sole proprietor involved in property management of a single-family rental home. 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 that utilizes structured discovery conversations and firm-approved tools.

Casey Clark is a Series 66-licensed financial advisor with Charles Schwab in San Diego, CA, and has nine years of industry experience. He has been with Charles Schwab since 2016. 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 offers both non-discretionary and discretionary investment options, combining strategic asset allocation with access to alternative investments and integrated custody and brokerage services.

Steven Cannon is a financial advisor with Osaic Wealth, Inc. in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He previously worked at Lincoln Financial Advisors for 23 years before joining Osaic in 2025. Outside of his advisory role, he serves as a successor trustee for the Carol A Cannon Trust and is licensed as an insurance agent offering disability insurance, fixed/indexed annuities, and traditional life insurance. Osaic Wealth, Inc. serves a diverse range of clients including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and multiple advisory platforms. The firm integrates brokerage and investment advisory services and employs tools such as asset-allocation modeling and automated rebalancing to manage portfolios across various asset classes.

Christyn Lo is a financial advisor with Merrill in La Jolla, CA, holding a Series 66 designation and 19 years of industry experience. She has worked at Merrill Lynch Pierce Fenner & Smith since 2006. Outside of her advisory role, she works part-time as a bookkeeper for a dental practice. 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, pension and profit-sharing plans, corporations, and charitable organizations.

Arturo Ramirez is a financial advisor at Merrill with a Series 66 designation and 12 years of experience at the firm. He has four years of industry experience and is based in El Cajon, California. 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 using model-based and discretionary investment strategies developed by internal and third-party managers.

Nicholas Westendorf is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and 12 years of industry experience. He has been with Morgan Stanley since 2014 and is currently associated with Morgan Stanley Private Bank, N.A. Outside of his advisory role, he is a partner in Saltvault West, a recreational business in San Diego. Morgan Stanley Wealth Management serves individual and institutional clients by offering a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory services.