Jennifer Werve is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 designation and has worked at various Morgan Stanley affiliates since 2009. Outside of her advisory role, she is involved in an investment-related bookkeeping business based in San Diego. 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, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Victoria Horowitz is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in personalized financial planning, tax-efficient wealth strategies, and smart portfolio management tailored to clients' long-term goals and evolving financial landscapes. Her approach is relationship-driven, focusing on understanding each client's individual goals, values, and concerns to build effective financial plans. Victoria holds a Bachelor's Degree from the University of Texas at Dallas and has earned professional designations including Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). She is actively involved in professional and community organizations such as Better Money Habits, the Junior League of San Diego, and has served as President of the Women Exchange San Diego Chapter. Her community involvement extends to organizations like Doors of Change San Diego, Food Bank San Diego, as well as participation in events including the Genesis Invitation Golf Tournament and the Hoag Classic Golf Tournament. Outside of her professional commitments, Victoria enjoys activities such as cooking, hiking, reading, running, spending time with family, swimming, tennis, traveling, writing, and yoga.

Michael Zepeda Jr. is a financial advisor with Mass Mutual Investors Services and has 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at MML Investors Services since 1997 and Massachusetts Mutual Life Insurance Company since 1995. He serves as a member of the City of Carlsbad Community-Police Engagement Commission, promoting communication between the police department and the community. Mass Mutual Investors Services, LLC is a broker‑dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers annual collaborative financial planning engagements and a range of investment programs and educational seminars.

John Fieberg Jr. is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Edward Jones since 1998. Outside of his advisory role, he is involved with WaveMaker 360 Health III, an early-stage private health care company. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Gerad Mowrey is a Certified Financial Planner® with 27 years of experience, currently associated with LPL Financial and Summit Financial Group in La Mesa, CA. He has worked with LPL Financial since 2000 and with Summit Financial Group since 2016. Outside of his advisory work, he is involved in tax preparation and accounting through Summit Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Ramiro Gomez Rincon is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Ramiro earned his High School Diploma/GED from Universidad La Salle.

Mateo Zoroza Larcade is a Financial Advisor with Merrill Lynch Wealth Management. He works with individuals to develop personalized financial strategies that align with their goals, values, and stages of life. His services encompass areas such as investment management, retirement planning, and guiding clients through financial decisions related to life's unexpected events. Mateo holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He earned a Bachelor of Science in Engineering from Arizona State University. He communicates with clients in both English and Spanish.

Matthew Mcclure is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and bringing 10 years of industry experience. Prior to his current role, he worked at Axa Advisors and was involved with La Jolla Beach & Tennis Club. Equitable Advisors serves a diverse client base, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement consulting, and various asset-management programs through a network of Investment Adviser Representatives and third-party asset managers. The firm emphasizes personalized risk assessment and employs a range of investment vehicles, including mutual funds, ETFs, separately managed accounts, and select alternative investments.

Nadeene Itani is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. She has worked at both Merrill and Bank of America since 2012. Outside of her advisory role, she is a co-owner of a family rental property business. 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 model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Austin Gilbertson is a financial advisor with UBS Financial Services in La Jolla, CA. He holds a Series 66 designation and has three years of industry experience. Prior to his current role, he has held positions at Pace University and Landmark Commercial Realty, and has been involved with GMC Basketball Academy and Theos Bar and Grille. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, offering financial planning, portfolio management, and a broad range of capital markets solutions supported by proprietary research and institutional trading capabilities.

Norberto Frassa is a CFP® and Series 66 credentialed advisor with Morgan Stanley in La Jolla, CA, bringing 21 years of industry experience. He has worked 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 that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to assist in financial decision-making.

Angelina Blackwell is a financial advisor at LPL Enterprise with two years of industry experience. She holds a Series 66 designation and has prior work history with Prudential Insurance Company of America, Pruco Securities LLC, and Rocket Mortgage. Outside of her advisory role, she maintains a broker office at Avenue3 Realty, focusing on mortgage and real estate services for family and friends. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach utilizing portfolios developed by LPL’s Research Department and third-party strategists, and offers financial planning, access to third-party asset managers, and a wrap program.

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.

Nicholas Sanchez is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and bringing 10 years of industry experience. He has worked at Equitable Advisors since 2015 and previously spent four years at My Lineage. Equitable Advisors serves a wide range of clients including individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients. The firm offers financial planning, retirement plan consulting, and various asset management programs delivered through a network of Investment Adviser Representatives and third-party asset managers.

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 with Merrill Lynch Wealth Management. He focuses on areas including corporate benefits, education planning, employee benefits planning, international wealth management, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and small business strategies. Born in Northern California and raised in San Diego from the age of six, Christian developed an appreciation for community relationships and opportunity. He pursued financial planning after college to educate people and make a meaningful difference in the lives of the people and families he serves. Christian holds a Bachelor's Degree from the California State University System and a Master's Degree from the College for Financial Planning. His professional designations include Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In his personal time, he enjoys 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.

Brian Donaghy is a financial advisor with Merrill, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. He has been with Merrill since 2013, based in La Jolla, CA. Merrill, through its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients via 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.

Ivan Lopez is a Financial Advisor at Merrill Lynch Wealth Management, serving executives, small business owners, and families. Since joining Merrill in 2022, he has applied over 18 years of experience in investment, planning, banking, and client relations across various sectors including small start-ups and large businesses. Ivan's approach to financial planning focuses on aligning clients' investments with their life goals and utilizing risk management strategies to achieve their financial objectives. He holds FINRA Series 7, 63, and 65 registrations as well as the Chartered Retirement Planning Counselor (CRPC) designation. Ivan earned a High School Diploma under the California State University System and is fluent in English and Spanish. His professional experience includes individual planning, trust and estate planning strategies, wealth management, and client advisory. Ivan is actively involved in his community through organizations such as Brother Benno's, the Diocese of San Diego, and the San Diego Food Bank. He was born and raised in San Diego and values his faith and spending quality time with his family. Ivan enjoys 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.