Julian Odish is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Morgan Stanley, Northwestern Mutual, and Allied First Bank, as well as experience at JDO Capital Group and the University of San Diego. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jorge Carranza is a financial advisor with Edward Jones in Chula Vista, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, and Wells Fargo. Outside of financial services, he owns a rental property in El Sauzal, BCN. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and operates under a fiduciary standard.

Michael Lacroix is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2012 and with Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, Lacroix serves as Chair of the Military Affairs Committee and is a member of the Finance Committee for Rotary International in San Diego. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Jenica Bertalan is a CFP® and holds a Series 66 license, with 18 years of experience in the financial services industry. She has been with Edward Jones since 2014, currently based in Point Loma, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Eric Splaver is a financial advisor at Cetera with 16 years of industry experience and holds a Series 66 designation. He has extensive involvement in accounting and tax services, including managing a CPA firm where he provides tax, accounting, and business consulting. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Steven Gray is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at TD Ameritrade from 2011 to 2023 before joining Charles Schwab. 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. The firm offers a combination of non-discretionary advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment due diligence.

William Garber is a financial advisor with UBS Financial Services in San Diego, CA. He holds a Series 66 designation and has 14 years of industry experience, including 13 years at UBS. 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 provides fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products.

Christopher Schierhorn is a Series 66-credentialed financial advisor with nine years of industry experience, currently serving clients at UBS Financial Services since 2017. Prior to joining UBS, he worked at Hein and Associates LLP for three years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor strategies. The firm combines wealth management with institutional trading capabilities and provides a broad range of capital markets services.

Christopher Rea is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and market models.

Robin Ballard is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 license and 45 years of industry experience. He has been with LPL Financial since 1993. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual clients, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Didier Frachon is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 designations and has worked within various divisions of Morgan Stanley since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Roberto Aguais is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Ameriprise, and Mission Federal Credit Union. He has experience working outside the financial sector at Bonita Pet Supply and in accounting services with Robert F Rosario CPA. 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 teams and third-party managers.

Khanh Ngo is a CFP®-designated financial advisor with 19 years of industry experience. He is currently with RBC Capital Markets, where he has worked since 2020. His prior experience includes roles at Merrill, Unionbanc Investment Services, MUFG Union Bank, and Bank of America. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through a combination of in-house and third-party investment managers, supported by RBC’s capital markets and affiliated asset management capabilities.

Robert Koba Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 designations and has 20 years of industry experience. His work history includes roles at Mission Federal Credit Union, Cuso Financial Services, New England Financial, and LPL Financial, as well as a background in health insurance. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using analytical tools and supports a broad network of advisors and affiliated firms.

Daniel Djordjevic is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at SunTrust Advisory Services, Truist Investment Services, and Wells Fargo. 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 provides a range of services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by tools such as machine learning for operational research.

Keith Kitagawa is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role he has held since 2020. He has more than 24 years of experience in the financial services industry. Keith provides comprehensive financial advice tailored to clients' time horizons, liquidity needs, investment goals, and fee sensitivities. His services focus on advising high net worth individuals and corporate executives, particularly in areas including executive compensation, family wealth management strategies, managing new wealth, and personal retirement planning. Keith holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Private Wealth Advisor® (CPWA®), Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), and Personal Investment Advisor (PIA). He earned a Bachelor of Science degree in Mechanical Engineering from the United States Naval Academy and a Master of Business Administration degree from UCLA Anderson. Prior to his financial services career, Keith served five years as a submarine officer in the United States Navy, attaining the rank of Lieutenant Commander. He is actively involved in community service and currently serves on the board of the San Diego Military Advisory Council Foundation and the advisory board of Life Science Cares San Diego. Additionally, Keith volunteers as a United States Naval Academy Blue and Gold Officer for local high schools. He has also held leadership roles with the Salvation Army Kroc Center in San Diego and the United States Naval Academy Alumni Association's San Diego Chapter. Keith resides in San Diego and has interests in cooking, ice hockey, spending time with family, and traveling.

Steven Schulte is a CFP® professional with 26 years of industry experience. He is currently affiliated with LPL Financial and has previously worked at Ameriprise Financial Services and Zions Capital Advisors. Outside of his advisory role, Schulte is co-owner of Southwest ATMs LLC and owns several business entities used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a broad range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

Arwa Kheriwala is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and two years of industry experience. She has been with Ameriprise and its affiliates since 2018, following a brief tenure at Pacific Advisors. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored written Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Liam Allford is a financial advisor at RBC Capital Markets in San Diego, CA. He holds the Series 66 designation and has recently begun his career, with prior experience including roles at City National Bank and RBC Capital Markets, as well as being a student at UCSB. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers customized portfolio management and financial planning services, utilizing both in-house and third-party investment managers and providing options for tax management, responsible investing, and alternative investments.

Jason Sinkoff is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation. His prior work includes positions at Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, N.A., and roles in academic institutions such as James Madison University and Wagner College. Outside of finance, he has been involved with the JCC Maccabi Sports Camp. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning services supported by firm-approved planning tools and investment research.