John Prokos Jr. is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and bringing 39 years of industry experience. He has been affiliated with LPL Financial since 2020 and has concurrently maintained roles at Lucia Securities, LLC and RJL Wealth Management, LLC. He has also been involved with SOKORP since 1989. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a broad range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by research and technology-driven strategies.

Joleen Rose is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2022. Prior to this, she was with LPL Financial, LLC and Northwestern Mutual Investment Services LLC. Outside of advising, she is involved with Triangle Holdings LLC, a property management business in San Diego. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and serves a broad client base with a range of investment programs.

Ryan Kelly is a financial advisor with Fidelity Investments in San Diego, CA, holding Series 63 and Series 66 licenses and having two years of industry experience. Prior to joining Fidelity, he worked in various roles including positions at Lululemon Athletica and several restaurant establishments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its involvement with registered investment companies, the use of systematic methodologies, and its role in constructing model portfolios for Fidelity Institutional Wealth Adviser.

Christian Torres is a Financial Advisor at Merrill Lynch Wealth Management. He holds several professional designations including Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from the California State University System and a Master's Degree from the College for Financial Planning. Christian emphasizes trust as the foundation for building long-term relationships with clients. Outside of his professional work, Christian has interests in boxing, fishing, football, hiking, music, reading, soccer, spending time with his family, traveling, and watching movies.

Brenda Contreras is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 15 years of industry experience. She has been with Wells Fargo firms since 2009, including Wells Fargo Advisors LLC prior to her current role. Outside of her advisory work, she teaches exercise classes at 24 Hour Fitness and produces weekly videos on healthy lifestyle topics such as nutrition, exercise, budgeting, and stress reduction. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s process is driven by investment policy statements and modern portfolio theory, serving as an ERISA fiduciary and incorporating a broad range of financial products including insurance-related vehicles and bank deposit sweep options.

Ivan Lopez is a Financial Advisor at Merrill Lynch Wealth Management, where he has been serving clients since joining the firm in 2022. He specializes in providing advice and guidance to executives, small business owners, and families, focusing on aligning clients' investments with their life goals through personalized planning and risk management strategies. With over 18 years of combined experience in investment, planning, banking, and client relations, Ivan's professional career encompasses work with small start-ups, large businesses, individual planning, trust and estate strategies, and wealth management. He holds the FINRA Series 7, 63, and 65 registrations, as well as the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. Ivan completed his education with a High School Diploma/GED from the California State University System and is fluent in both English and Spanish. Born and raised in San Diego, Ivan is involved in community organizations including Baja Bound Ministries, Diocese of San Diego, and the San Diego Food Bank. He has a passion for his faith and spending quality time with his family. Outside of work, his interests include baseball, biking, boxing, football, hiking, reading, soccer, traveling, and watching movies.

Nicholas Remer is a CFP® professional with 10 years of industry experience, currently serving at Cetera since 2019. He previously worked at Foresters Advisory Services LLC and Foresters Financial Services. Outside of his advisory role, he owns and operates Remer Filmmaking and serves as president of the Canyonview Homeowners Association board. Cetera Investment Advisers LLC is an SEC-registered firm offering a range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm supports a multi-manager platform with various program structures and serves over 800,000 clients through more than 10,000 advisors.

Phillip Wendt is a CFP®-certified financial advisor with Wells Fargo Clearing, based in San Diego, CA, and has six years of industry experience. He has worked at various Wells Fargo entities since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice with an IPS-driven approach grounded in modern portfolio theory. The firm includes a broader range of financial products than many peers, such as insurance-related vehicles and bank deposit sweep options.

Shelby Lewis is a financial advisor with Cetera, holding a Series 66 designation and 10 years of industry experience. Lewis has worked at multiple Cetera entities since 2020 and previously at First Allied Securities and Pacific Wealth Strategies Group. Outside of advisory work, Lewis holds a part-time real estate license. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, employer-sponsored retirement, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options, including model portfolios, third-party managers, and bespoke strategies.

Dorian Grady is a financial advisor at UBS Financial Services with 15 years of industry experience. He has held positions at Diversify Advisory Services, DFPG Investments, Nationwide Investment Services Corp, and TD AMERITRADE. He holds the Series 66 designation and is based in San Diego, CA. 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 client plans.

James Shea is a financial advisor at UBS Financial Services with 41 years of industry experience. He has been with UBS since 2010 and holds a Series 63 designation. Based in San Diego, CA, Mr. Shea's career includes extensive work in financial advisory roles. UBS Financial Services serves individual, corporate, and institutional clients through a combination of 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 solutions for its clients.

Michael Cox is a CFP® with 11 years of industry experience, currently serving at RBC Capital Markets since 2023. Prior to this, he worked at First Republic Securities Company and First Republic Investment Management from 2016 to 2023. Outside of finance, he operates Cyan Cowboy Co., where he is the sole dance instructor. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individuals, institutions, and charitable organizations. The firm offers a range of wrap fee advisory programs with customized portfolio management and financial planning services, utilizing both in-house and third-party investment managers.

Angeli Forster is a financial advisor at Osaic with 42 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Osaic since 2023, previously serving at SagePoint Financial and National Planning Corporation. Forster manages rental properties as a business activity outside of her advisory work. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services through a large network of affiliated advisers. The firm employs tools such as asset-allocation models and automated rebalancing to construct diversified portfolios and provides access to third-party managers and managed-account solutions.

Asaf Savion is a Wealth Management Senior Relationship Manager at Fidelity Investments, serving self-directed ultra-high net worth clients in the San Diego area. He focuses on providing responsive and knowledgeable service, connecting clients with subject matter specialists within Fidelity to ensure comprehensive access to resources and information. Asaf has been with Fidelity Investments since 2012, advancing through roles including Financial Representative, Relationship Manager, Planning Consultant, and currently Senior Relationship Manager in Private Wealth Management. He holds a California Insurance License. Outside of his professional responsibilities, Asaf enjoys comedy, family activities, fitness, movies, and music.

Diego Macedo is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2016. Morgan Stanley Wealth Management is an SEC-registered adviser and broker-dealer serving both individuals and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and investment committee guidance in its financial planning process.

Carlos Vasquez 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 at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, and previously at Wells Fargo Clearing and Wells Fargo Advisors, LLC from 2013 to 2021. 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 comprehensive financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Tais De Rada is a financial advisor at Charles Schwab with seven years of industry experience. They hold a Series 66 designation and have worked at several firms including TD Ameritrade, Morgan Stanley, and Taiyo Yuden. Their current tenure at Charles Schwab and Charles Schwab Bank spans six years. Charles Schwab 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 and discretionary investment management, supported by centralized custody and operational infrastructure.

Jorge Valenzuela is a financial advisor with Merrill in San Diego, CA, holding Series 63, Series 65, and Series 66 credentials. He has 14 years of industry experience and has been with Merrill and Bank of America since 2005. Merrill provides managed account services through the Select Portfolio Solutions program to a broad client base, including individuals, high-net-worth clients, and institutional fiduciaries. The firm offers a range of model-based and discretionary investment strategies integrated within the Bank of America platform.

Kelly Newell is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 27 years of industry experience. He has been with LPL Financial since 2009. Outside of his advisory role, Newell is involved in mortgage brokerage services through Home and Loan Finders. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network. The firm provides a range of advisory programs, retirement plan consulting, and brokerage services, utilizing research, model portfolios, and various portfolio management strategies.

Michael Alvarez is a financial advisor at LPL Financial with 16 years of industry experience. He previously worked at UnionBanc Investment Services and MUFG Union Bank. 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 investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.