Tracie Dasilva is a Wealth Management Advisor associated with Merrill Lynch Wealth Management. She contributes to personal planning and wealth management with a focus on integrity, transparency, and client education to foster long-term multigenerational relationships. While specific details about her individual experience, education, or community involvement were not provided, Tracie's role situates her within a practice that emphasizes comprehensive, client-centric strategies tailored to personal goals and values.

Ryan Barnhill is a Series 66 licensed advisor at LPL Financial with 12 years of industry experience. He previously worked at Edward Jones for nine years before joining LPL Financial in 2023. Barnhill also operates Barnhill Wealth Management, a DBA for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

James Roeske is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch. He began his career in wealth management in 2000 and has since developed relationships with a diverse clientele. In 2016, James was appointed Resident Director of the La Jolla office, taking on responsibilities that include training and coaching Merrill financial advisors and supporting experienced advisors in identifying appropriate products and services for their clients. James holds several professional credentials, including the CERTIFIED FINANCIAL PLANNER (CFP) designation awarded by the CFP Board, the Certified Investment Management Analyst (CIMA) certification from the Investments & Wealth Institute, and is recognized as a Personal Investment Advisor (PIA). He earned a Bachelor of Science degree from Saint Mary's College of California. His client focus areas encompass executive compensation, family wealth management strategies, portfolio management services, ESG investing, tax minimization, retirement income, and other financial planning services. Residing in San Francisco and La Jolla with his wife and two children, James is active in his local community, particularly with La Jolla's public school system. He is a member of the La Jolla Historical Society and contributes to La Jolla Elementary. Outside of work, James enjoys boating, boxing, football, running, skiing, swimming, tennis, traveling, and volleyball.

Grant Kalmanovitz is a CFP® professional with 17 years of industry experience, currently affiliated with Cetera. His prior roles include positions at Charles Schwab, LPL Financial, LendingClub, and EquityBee. Outside of his advisory work, he serves as an assistant basketball coach at San Dieguito Union High School District and consults on sales strategy and market research for businesses in the Encinitas area. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors and serves a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options, including model portfolios, third-party managers, and bespoke strategies.

Iola Xiao is a Financial Advisor at Merrill Lynch Wealth Management and The ROK Advisory Group since 2023. She has 15 years of experience in the financial services industry, providing personalized guidance to individuals and families. Iola is fluent in Mandarin Chinese and speaks basic Cantonese, facilitating communication with a diverse clientele. Iola follows a disciplined process that begins with understanding clients' needs and goals, enabling her to create flexible financial strategies adaptable to changing market conditions. She leverages investment insights from Merrill and banking and lending solutions from Bank of America. Iola holds the Certified Divorce Financial Analyst (CDFA) designation and the Personal Investment Advisor (PIA) credential. Based in San Diego, Iola enjoys spending time with her son, Tyler, and engaging in activities such as traveling and golfing.

Morgan Seymour is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has been with Merrill since 2019 and worked previously at San Diego State University. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services 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.

Daniel La Page is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. He has been with Wells Fargo in various capacities since 2004. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages extensive assets and offers both brokerage and advisory solutions, utilizing research and analytics to inform its investment approach.

Cheryl Giustiniano is a CFP® with 34 years of industry experience, currently serving at LPL Financial since 2025. Her prior roles include positions at Giustiniano Wealth Strategies, Cavanaugh Financial Group, D Canada Financial, Raymond James Financial Services, and Morgan Stanley DW Inc. She is based in San Diego, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides financial planning, model portfolio programs, third-party asset management access, and institutional platforms, integrating a range of investment strategies and technology tools to support advisors.

Diane Bienke is a CFP® and holds a Series 66 license with five years of industry experience. She is currently with J.P. Morgan Securities and J.P. Morgan Chase Bank, N.A., having previously worked at First Republic Investment Management and Wells Fargo. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative screening, qualitative research, and forward-looking capital market assumptions to build model asset allocations.

Frances Pascua is a Resident Director and Wealth Management Advisor at Merrill, where she joined in 2014. She partners with The Callahan Pascua Group to focus on new client relationships and the implementation of financial and wealth management services for existing clients. Her areas of expertise include college education planning, family wealth management strategies, institutional investment consulting, liquidity management, retirement income, and tax minimization. Frances holds the Certified Investment Management Analyst® (CIMA®) designation, issued by the Investments & Wealth Institute™ in conjunction with The Wharton School at the University of Pennsylvania. She also holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. She earned a Bachelor of Arts degree in Interdisciplinary Studies with a focus on Political Science, Communication, and Psychology from San Diego State University, and a Master of Business Administration from Alliant International University. Fluent in Filipino and English, Frances serves as President of the Merrill Women's Exchange, San Diego Chapter (2024–2025), and is the National Chair of the Investments & Wealth Institute™ Conference Committee. She has been an active member of professional and community organizations including the Investments & Wealth Institute™ Board of Directors and the La Jolla Woman's Club. In her spare time, she enjoys traveling, music, scrapbooking, spending time with family, tennis, watching movies, writing, and yoga.

Daniel Testa is a financial advisor at Cetera with three years of industry experience. He holds the Series 66 designation and has worked at firms including Edward Jones, Merrill, and Bank of America. Outside of his advisory role, he is a partner and owner of BNT Metals, a metals recycling company in Chula Vista, CA. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various program options.

Shanel Dubique is a financial advisor at LPL Financial with nine years of industry experience. She holds the Series 66 designation and has worked previously at CUSO Financial Services, LP, and First Command Financial Planning, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across various allocation methods.

Devin Mcdonald is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm combines fundamental research with quantitative and algorithmic portfolio construction, offering discretionary and non-discretionary services as well as model portfolios built from mutual funds, ETFs, and ETPs.

Marcus Fitzpatrick is a financial advisor at Cetera with 13 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Cetera and its related entities since 2019. Prior to that, he worked at Foresters Financial Services and Foresters Advisory Services LLC. Outside of his advisory role, he is involved in coaching soccer, including training players and managing teams. Cetera Investment Advisers LLC is an SEC-registered firm serving individual clients, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options and access to third-party money managers, supporting over 10,000 advisors and managing more than $256 billion in assets.

Jeffrey Carlos Jr. is a Series 66-licensed financial advisor with LPL Financial, where he has worked since 2013. He has 18 years of industry experience, including five years at Edward Jones prior to joining LPL. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services supported by model portfolios, third-party subadvisors, and various institutional platforms.

Sandra Bazan is a financial advisor at Merrill with 22 years of industry experience, including 20 years at Merrill. She holds Series 63 and Series 66 licenses and is based in San Diego, CA. 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 a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Karen Mortimer is a financial advisor at Merrill with 25 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Merrill since 2009, previously working at Citigroup Global Markets. Mortimer is involved in charitable activities through her leadership roles with the RB Sunrise Rotary in San Diego, including serving as President and Finance Committee Chair. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Timothy Gardner is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement recommendations and provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Ngai Pham is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 21 years of industry experience. His career includes roles at Merrill and First Republic Investment Management prior to joining J.P. Morgan Securities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary advice focused on asset allocation, investment manager searches, and performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking market assumptions and includes capabilities in derivatives and commodities.

Jessica Marchesini is a financial advisor with LPL Financial holding a Series 66 designation and has 14 years of industry experience. She previously worked at Commonwealth Financial Network for 17 years before joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions with a range of offerings including financial planning, model portfolio programs, third-party asset management, and institutional platforms.