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.

Patricia Bribiesca is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and bringing 25 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and capital markets solutions.

Patricia Fleming is a CFP® professional with 36 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. Her prior experience includes roles at Waddell & Reed, Inc., various insurance carriers, and Lumena Financial Strategies, Inc., which she founded and operated from 2017 to 2021. She also served on the Women In Blue Executive Cabinet and was involved with Act Today (Autism Care & Treatment). LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers comprehensive financial planning and advisory programs with both discretionary and non-discretionary management supported by research and model portfolios.

Jeffrey Naiman is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 65 designations and having 26 years of industry experience. He has been with LPL Financial since 2004. Additionally, he is involved in a non-variable insurance business under the name Treble Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of advisers. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by model portfolios and research.

Richard Whalen is a financial advisor at UBS Financial Services with 42 years of industry experience. He has been with UBS since 2008 and holds Series 63 and Series 65 licenses. Whalen has also served on a committee overseeing foundation assets for the Scottsdale Boys & Girls Clubs Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services and offers access to proprietary research and capital markets solutions.

Dan Atkin is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and previously worked in various roles including six years at Sunstate Equipment Co. and positions at Mona Lisa Italian Foods and San Diego State University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, multi-manager structures, and regulatory registrations that support its advisory role across multiple registered investment companies.

Fany Hirales is a CFP®-designated financial advisor with 16 years of industry experience, currently serving at OSAIC since 2023. Previously, she worked at SagePoint Financial and Independent Capital Management for 13 years. She is also the owner of Hirales Wealth Solutions, an LLC involved in administrative activities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services using asset allocation tools, risk tolerance assessments, and multiple investment strategies across discretionary and non-discretionary accounts.

Allyson Flournoy Wooten is a Series 66 licensed financial advisor with LPL Financial, based in San Diego, CA, with three years of industry experience. Prior to joining LPL Financial, she worked at Chatmeter and The Active Network. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, institutions, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Morgan Ryan is a Wealth Management Planning Consultant at Fidelity Investments. In this role, Morgan partners with clients to develop and implement comprehensive wealth strategies focused on growth, preservation, and transfer of wealth, guided by clients' values and priorities. Morgan has been with Fidelity Investments since 2015, initially serving as a Relationship Manager before transitioning to the current consultant role in 2017. Morgan holds a California Insurance License, supporting the ability to provide informed financial planning and advice.

Loc Vo is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has worked at Bank of America and Merrill since 2019 and has prior experience with firms including Vinfast, SagePoint Financial, Independent Capital Management, and HSBC. Outside of his advisory role, he is a co-owner of family rental properties in the San Diego area. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individual, high-net-worth, and institutional clients.