Christopher Schierhorn is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2017. He has eight years of industry experience, including three years at Hein and Associates LLP prior to joining UBS. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and utilizing proprietary research and model-based asset allocations to tailor client plans.

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 designation and having 45 years of industry experience. He has been with LPL Financial since 1993. 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 a range of advisory programs, financial planning services, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by model portfolios and research.

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, holding Series 63 and Series 65 designations and over 20 years of industry experience. He has worked at Raymond James Financial Services Advisors since 2019 and has prior experience with Mission Federal Credit Union, Cuso Financial Services, New England Financial, and LPL Financial. In addition to his advisory work, he has 21 years of experience in health insurance. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutions. The firm offers non-discretionary, tailored planning using risk profiling and analytical tools, and supports clients through advisory programs and institutional consulting.

Daniel Djordjevic is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He previously worked at SunTrust Advisory Services and SunTrust Investment Services, INC. 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 investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Keith Kitagawa is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role he assumed in 2020. He has over 24 years of experience in the financial services industry. Keith holds several professional designations including CERTIFIED FINANCIAL PLANNER® (CFP), Certified Private Wealth Advisor® (CPWA), Certified Investment Management Analyst (CIMA), and Certified Exit Planning Advisor (CEPA). Keith specializes in comprehensive financial planning for high net worth individuals and corporate executives, focusing on areas such as executive compensation, family wealth management strategies, managing new wealth, and personal retirement planning. He provides tailored advice that considers clients' time horizons, liquidity needs, investment goals, and tax mitigation strategies. Keith often collaborates with tax and legal advisors to address advanced retirement and estate planning, charitable giving, and complex issues related to equity compensation and concentrated stock positions. He earned a Bachelor of Science degree from the United States Naval Academy and a Master of Business Administration from UCLA Anderson. Before entering financial services, Keith served five years as a submarine officer in the United States Navy, attaining the rank of Lieutenant Commander. Keith is involved in community organizations including the San Diego Military Advisory Council Foundation and Life Science Cares San Diego, and he serves as a United States Naval Academy Blue and Gold Officer supporting local students.

Steven Schulte is a CFP® with 26 years of industry experience currently working at LPL Financial since 2025. He previously worked at Ameriprise and Ameriprise Financial Services, Inc. from 2014 to 2025. Outside of his advisory role, Schulte is involved in several business ventures including co-ownership of Southwest ATMs LLC and ownership of Schulte Financial Services LLC. 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 investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios and research from multiple sources.

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.

Saundra Benjamin is a Series 65-licensed financial advisor with seven years of industry experience, currently serving at Bruce McIndoe & Associates, Inc. She has worked at the firm since 1995 in various capacities. Outside of advisory work, she owns a professional organizing business called Benjamin Un-Limited. Bruce McIndoe & Associates, Inc. primarily provides investment management services for pooled investment vehicles and institutional clients. The firm combines advisory services with insurance broker activities and uses an hourly fee structure rather than a percentage-of-assets model.

Douglas Neyland is the sole advisor at Douglas Brian Neyland, an independent registered investment adviser based in San Diego, CA. He holds Series 63 and Series 65 licenses and has two years of experience in the financial industry. He also has long-standing academic roles at the University of California and the University of Minnesota, where he has been involved for over 35 years. The firm manages approximately $7.48 million in client assets, serving a small number of clients with a focus on individualized portfolio management. It caters primarily to higher-net-worth or institution-size clients, providing tailored investment strategies and personal service through a solo-advisor model.

Craig Mellon is a financial advisor with Economic Research and Insurance Solutions, LLC, holding Series 63 and Series 65 credentials and 20 years of industry experience. He has been with Economic Research and Insurance Solutions since 2007. The firm primarily advises pooled investment vehicles and institutional clients, using fundamental and technical analysis alongside a mix of long- and short-term trading strategies. Economic Research and Insurance Solutions is notable for its affiliations with a law firm and an insurance company, which are uncommon among investment managers.