Kip Flar is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 28 years of industry experience. He has been with Merrill since 1997. Outside of his advisory role, he serves as a co-trustee for a family trust. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Donald Wilkie is a financial advisor at Osaic with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Securities America Advisors and Securities America, Inc. Wilkie is also the owner of Financial Strategies Group, where he is involved in insurance sales. Osaic Wealth serves a diverse range of retail and institutional clients, offering brokerage and advisory services including comprehensive financial planning, advisor-managed portfolios, Unified Managed Accounts, and retirement plan consulting. The firm’s investment approach centers on model-based asset allocation and portfolio optimization, supported by risk-tolerance assessments and multiple portfolio management options.

Manuel Horner is a financial advisor with Ameriprise in Chula Vista, CA, holding Series 63 and Series 65 licenses and bringing 18 years of industry experience. His prior work includes roles at Cuso Financial Services and North Island Credit Union. Outside of his financial advisory work, he serves as a basketball referee. Ameriprise offers retirement-income planning services primarily for clients nearing or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver personalized recommendations through a centralized consulting team.

George Melbrod Jr. is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and over 45 years of industry experience. He has worked at LPL Financial since 2017 and previously was with National Planning Corp and The Planners Network. He is also president of Melbrod Financial Services, Inc., which provides tax preparation services. 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 wide range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting its advisors with operational and research tools while managing over $819 billion in discretionary assets.

Gerald Heavey is a financial advisor with Wells Fargo Clearing in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Morgan Stanley and Citigroup Global Markets. 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 approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Sarah Wallace is a financial advisor at Merrill with eight years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2017 and Bank of America, N.A. since 2018. Outside of her advisory role, she serves as a successor trustee and trustee for family trusts. 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, offering both model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, and institutions.

Jordi Teixido Teixido is a financial advisor at UBS Financial Services with three years of industry experience. He holds the Series 66 designation and previously worked at Santander International for ten years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services.

Michael Wasserman is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 33 years of industry experience. He has been with UBS since 2016. Outside of his advisory role, he serves as a school board trustee for Cold Spring School and is a committee member of the nonprofit organization Hillel of Santa Barbara, which focuses on enhancing Jewish life on the college campus. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocations to tailor plans according to client goals and risk tolerances.

Veronica Ramos Flores is a financial advisor with UBS Financial Services in San Diego, holding a Series 66 designation and two years of industry experience. She previously worked at Banco Santander International for twelve years. Outside of her advisory role, she serves as grantor and trustee for a wealth planning entity in San Diego. 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 combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client strategies.

Amanda Whitney is a financial advisor with Cetera Wealth Services LLC based in San Diego, CA. She holds Series 65 and Series 63 licenses and has six years of industry experience. Whitney has worked at several firms, including Guide My Finances, Woodbury Financial Services, and Open Water Wealth. She is also an insurance agent involved in the sales of fixed insurance products. Cetera Investment Advisers LLC operates as a national multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a variety of investment management and financial planning services through discretionary and non-discretionary programs, supporting a large network of over 10,000 advisors and managing more than $256 billion in assets.

Karen Brady is a financial advisor at LPL Financial with 42 years of industry experience. She holds the Series 63 and Series 65 credentials. Prior to joining LPL Financial in 2023, she worked at Wedbush Morgan Securities for 14 years. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a range of financial planning and investment solutions including model portfolios, third-party asset management, and institutional platforms.

Analisa Mcguffie is a financial advisor with UBS Financial Services, holding a Series 66 designation and two years of industry experience. Prior to joining UBS in 2022, she held roles at Quality Controlled Manufacturing Inc. and the University of Arizona. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and proprietary research to tailor investment plans and portfolio management.

Gilda Aceves is an International Wealth Advisor with Merrill Lynch Wealth Management. She specializes in developing personalized wealth management strategies for a select group of high net worth clients, focusing on areas such as family wealth management, international wealth management, managing new wealth, portfolio management services, and women and wealth. Gilda holds a Bachelor's Degree from San Diego State University and the Personal Investment Advisor (PIA) designation. She emphasizes a one-on-one approach to create financial strategies tailored to each client's long-term goals. In addition to her professional work, Gilda is actively involved in community volunteer activities and enjoys personal interests including cooking, music, reading, running, tennis, traveling, and spending time with her family.

Daniel Rice is a CFP® with 26 years of industry experience, currently affiliated with LPL Enterprise. His prior roles include positions at California Health Benefit Exchange and Prudential Insurance Company of America. LPL Enterprise provides investment advisory and brokerage services to a diverse client base that includes individual investors, employer-sponsored retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach, offering services such as financial planning, access to third-party asset managers, and participation in the Model Wealth Portfolios wrap program.

Christopher Quinley is a financial advisor at LPL Financial with 21 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2011, following five years at Ameriprise. Quinley is also co-owner and president of Liang & Quinley Tax Management, a tax preparation and accounting business. 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 portfolio management programs and supports advisors with various research and operational tools.

Leonel Aceituno is a financial advisor at LPL Financial with 13 years of industry experience. He previously worked at Unionbanc Investment Services from 2013 to 2024 and Union Bank from 2008 to 2017. He holds Series 63 and Series 66 licenses. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jessica Hardy is a financial advisor at Cetera with 21 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Cetera since 2019, following prior roles at Foresters Financial Services and Foresters Advisory Services. Outside of her advisory work, she serves as the 2nd Vice President of Education for Curie Elementary PTA and volunteers with the PTA Garden Club. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management and financial planning services, supported by a nationwide network of over 10,000 advisors.

Charity Schulz is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and JPMorgan Chase Bank since 2010, following five years at Equitable Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their advisory process integrates quantitative and qualitative due diligence to deliver written asset allocation advice and customized reporting, with clients retaining final decision-making authority.

Heather Gabbara is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63 and Series 66 designations and has worked with J.P. Morgan and JPMorgan Chase Bank since 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes broader derivatives and commodities capabilities.

Claudia Emmet is a financial advisor with Raymond James Financial Services Advisors, Inc., holding Series 66 and Series 63 licenses and 19 years of industry experience. She previously worked at Commonwealth Financial for 10 years before joining Raymond James and related entities in 2025. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting through analytical tools and supports clients in implementing recommendations via its advisory programs or other providers.