Karen Merker is a financial advisor with Merrill, holding Series 63 and Series 65 designations and 34 years of industry experience. She has been with Merrill since 2001. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bo Zhang is a Series 66–licensed financial advisor at Merrill with eight years of industry experience, including prior roles at Bank of America and HRSD. He is based in San Diego, CA. Outside of his advisory duties, he co-owns family rental properties. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional investors, offering managed account programs, discretionary portfolio management, and brokerage services. The firm is noted for its integrated platform with Bank of America affiliates and its focus on tax-efficient investment strategies.

Misty Lavin is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also working concurrently at JPMorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending investments, delivering services on a non-discretionary basis.

Andrew Mangel is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. He previously worked at Northwestern Mutual in investment services and life insurance. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Casey Broach is a financial advisor at Osaic Wealth, Inc. with 22 years of industry experience. He holds the CFP® designation and Series 66 license. His previous firms include Sagepoint Financial, Inc. and National Planning Corp. Broach serves on the board of the Boys & Girls Clubs of South County, a nonprofit organization. Osaic Wealth serves a broad range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools and automated rebalancing to construct diversified portfolios tailored to client preferences.

Patricia Mc Cue is a financial advisor at Morgan Stanley with 11 years of industry experience. She holds the Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations to support its advisory offerings.

Delon Mansour is a financial advisor with Osaic Wealth, Inc. in San Diego, CA, holding the CFP® and ChFC® designations and possessing 16 years of industry experience. His work history includes roles at LPL Financial and Kestra Advisory prior to joining Osaic. Outside of advising, Mansour owns several businesses, including an Amazon FBA venture and a company involved in buying and selling auctioned ATVs and off-road vehicles. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of advisers. The firm provides integrated brokerage and advisory services using firm-supported tools such as asset-allocation models and automated rebalancing, offering portfolios that include a range of securities managed on either a discretionary or non-discretionary basis.

Mia Gilbertson is a financial advisor at Morgan Stanley with three years of industry experience. She holds the Series 66 designation and has previously worked at UBS Financial Services and UBS. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, specializing in tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-supported tools and modeling techniques to assist clients with financial strategies.

Bruce Denker is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. 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 including tailored financial planning, employing structured discovery conversations and firm-approved planning tools to support client goals.

Ashley Mooney is a Series 66-licensed financial advisor at Morgan Stanley with eight years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. Prior to her financial services career, she was employed at Seasons 52 for five years. Outside of advisory work, she rents her personal vehicle through Turo. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, emphasizing tailored financial planning supported by firm-approved tools and a structured discovery process.

Evan Gaspar is a financial advisor at Fidelity with Series 65 and Series 63 licenses and three years of industry experience. His prior work includes roles at Torrey Holistics Inc., Ridgewells Catering, Shack Bar & Grill, and military service in the United States Marine Corps. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and portfolio management. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, and is notable for its registration as a commodity pool operator and formal advisory roles to multiple registered investment companies.

Dax Fletcher is a Series 66-licensed financial advisor with Morgan Stanley in La Jolla, CA, bringing 24 years of industry experience. He has been with Morgan Stanley and its affiliates since 2009, including his current role at Morgan Stanley Private Bank since 2015. Outside of his advisory work, he is a sole proprietor of a real estate rental business in Carlsbad, 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 and financial planning services that incorporate firm-approved tools and models, managing approximately $2.74 trillion in client assets.

Ryan Green is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds a Series 66 designation and has been with UBS since 2013. Outside of his advisory role, he is also a commissioned Notary Public in San Diego, California. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Brian Young is a Series 66-credentialed financial advisor with 17 years of industry experience. He has been with UBS Financial Services Inc. in San Diego, CA, since 2013. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Kurt Spackman is a CFP® professional with 13 years of experience in the financial industry. He currently works with LPL Financial and has previously been associated with Securities America Advisors, Securities America, Capital Resource Management, and National Planning Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a broad range of advisory and brokerage services, utilizing various investment strategies and technology tools, and supports a large network of over 22,800 advisors.

Douglas Kincart is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 27 years of industry experience. He has worked at UBS since 2010. Outside of his advisory role, he serves as a trustee assisting with real estate decisions for a family trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

David Reiss is a financial advisor with Wells Fargo Clearing in La Jolla, CA, holding Series 63 and Series 65 licenses and 28 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process 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.

Jonathan Bobolia is a financial advisor with OSAIC, holding a Series 63 designation and bringing 46 years of industry experience. He previously worked at FSC Securities Corporation for 28 years before joining OSAIC in 2023. Outside of his advisory role, he rents a room to foreign exchange students. OSAIC serves a diverse range of retail and institutional clients through a large network of affiliated advisors and multiple advisory platforms. The firm provides integrated brokerage and investment advisory services, utilizing various tools and third-party solutions to construct and manage portfolios across a broad asset spectrum.

Andrew Rose is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He collaborates with individuals and families to develop personalized wealth plans aimed at helping clients achieve their own definitions of financial success. Andrew has been with Fidelity Investments since 2015, progressing through various positions including Financial Consultant, Investment Consultant, Private Client Group Relationship Manager, International Trader, and High Net Worth Representative. His experience encompasses investment consulting and relationship management within diverse client segments. He holds a California Insurance License. Outside of his professional work, Andrew has interests in food, football, hiking, and traveling.

Garrett Merrill is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has worked at multiple Cetera entities since 2020 and previously spent eight years with First Allied Advisory Services. Outside of his advisory role, Merrill serves as an elder at Christ Presbyterian Church and is the committee chair for Boy Scout Troop 709. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining affiliated and third-party managers to provide tailored investment solutions.