Adam Baldridge is a Financial Consultant currently working at Fidelity Investments since 2021. He specializes in collaborating with clients to develop personalized financial plans and strategies that adapt to their evolving circumstances and goals. Adam focuses on delivering guidance and resources to help clients make informed financial decisions aligned with their objectives. Prior to his current role, Adam gained experience as a Fixed Income Specialist II at TD Ameritrade from 2018 to 2021 and as a Financial Services Representative at Scottrade from 2017 to 2018. He holds a California Insurance License, supporting his capability to provide comprehensive financial advice. Outside of his professional work, Adam has interests in golf, outdoor adventures, pets, skiing, snowboarding, and surfing.

Serene Burbidge is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and over one year of industry experience. She previously worked for First Command Financial Services for ten years before joining Ameriprise. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients, offering specialized retirement income planning through its Ameriprise Premier Retirement Income service. This service provides written recommendations and annual advice focused on dependable income sources and tax-aware withdrawal strategies.

Andres Cervantes is a financial advisor at J.P. Morgan Securities with 4 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities since 2021, with prior experience at JPMorgan Chase Bank, Tru Nature, and Pizza Hut. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Joseph Tansey is a financial advisor at OSAIC with 26 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Sagepoint Financial, Inc. and National Planning Corporation. In addition to his advisory role, he owns IE&J, LLC, an S-Corp unrelated to investment activities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and advisory services, financial planning, retirement plan consulting, and access to third-party money managers, employing asset-allocation tools and automated rebalancing in portfolio construction.

Justin Niles is a financial advisor at Merrill with 16 years of industry experience. He holds the Series 66 designation and has been with Merrill and Bank of America since 2014. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, and various institutional investors.

Jeremy Middleton is a Financial Advisor at Merrill Lynch Wealth Management with over eight years of experience in the wealth management and financial services industry. He focuses on assisting hardworking, high-net-worth individuals from diverse backgrounds to achieve their financial goals. Jeremy provides tailored strategies aimed at preserving and growing client wealth through a range of services including retirement planning, wealth and estate transfer planning, asset and investment management, and corporate cash-reserve management. Having started his career in Boston, Massachusetts in 2016, Jeremy has since established his practice in Southern California. His professional expertise is supported by a Personal Investment Advisor (PIA) designation and a Bachelor's Degree from Emmanuel College. Jeremy is proficient in both English and Spanish, enhancing his ability to serve a broader client base. He is also an active member of the San Diego Black Chamber of Commerce and involved in its Emerging Leaders community initiative. Beyond his professional commitments, Jeremy maintains personal interests in baseball, boxing, football, hiking, hunting, music, skiing, and watching movies. As a Merrill advisor, he aims to connect all aspects of his clients' financial lives to help prioritize and pursue their most important goals.

Jeffrey Von Behren is a Wealth Management Advisor with Merrill Lynch Wealth Management, where he has served since 1999. He has more than 20 years of experience in the financial services industry and specializes in areas including education planning, executive compensation, family wealth management strategies, services for endowments, foundations, and non-profits, legacy planning, personal retirement planning, philanthropic planning, portfolio management services, small business strategies, and socially responsible, values-based, and ESG investing. Mr. Von Behren holds a Bachelor of Arts degree in Economics from Pomona College and a Master of Arts degree in Economics from the University of Oklahoma. He also earned a certificate in Personal Financial Planning from San Diego State University. His professional designations include CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Prior to his career in financial services, Mr. Von Behren served four years as a Field Artillery Officer in the United States Army, achieving the rank of Captain. He has been recognized by Forbes in its "Best-in-State Wealth Advisors" list for 2023 through 2025, and his team, The Roel Von Behren Group, was named to the Forbes "Best-in-State Wealth Management Teams" list for 2023 through 2026. He resides in Mission Hills with his wife and their two children and enjoys biking, reading, running, skiing, and spending time with his family.

Nicholas Stone is a CFP®-certified financial advisor with 14 years of industry experience, currently with Edward Jones in San Diego, CA. His work history includes roles at Edward Jones and Wells Fargo Clearing. Outside of financial advising, he owns and operates Nick Stone Photography, a small business specializing in event and lifestyle photography. Edward Jones is a full-service wealth management firm serving over four million clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Laura Jacobs is a financial advisor at UBS Financial Services with 16 years of industry experience. She holds the CFP® and Series 66 designations and has been with UBS since 2011. Outside of her advisory role, she is involved with Screen Free Kids LLC, where she manages social media, runs events, and oversees the company’s website focused on providing screen-free activities and education for families. She also has experience selling health and skincare products through NuSkin. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm delivers advisory work through a network of financial advisors who tailor plans based on proprietary research and model-based asset allocations.

Julian Odish is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Morgan Stanley, Northwestern Mutual, and Allied First Bank, as well as experience at JDO Capital Group and the University of San Diego. 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 individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jorge Carranza is a financial advisor with Edward Jones in Chula Vista, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. His prior roles include positions at Bank of America, Merrill Lynch, and Wells Fargo. Outside of financial services, he owns a rental property in El Sauzal, BCN. Edward Jones is a full-service wealth management firm serving individual and institutional clients, with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including discretionary and non-discretionary strategies, and operates under a fiduciary standard.

Michael Lacroix is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2012 and with Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory role, Lacroix serves as Chair of the Military Affairs Committee and is a member of the Finance Committee for Rotary International in San Diego. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, including customized financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Patricia Uhart is a financial advisor with OSAIC based in Santee, CA, holding a Series 66 designation with 43 years of industry experience. She has been with Royal Alliance Associates, Inc. since 2018 and previously worked at Signator Investors, Inc. from 2016 to 2018. In addition to her advisory role, she owns Uhart Tax & Financial, where she provides tax preparation, planning, and IRS representation. She is also an artist who paints and sells watercolors. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage and advisory services, financial planning, and access to third-party money managers. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to construct diversified portfolios across various investment types.

Jenica Bertalan is a CFP® and holds a Series 66 license, with 18 years of experience in the financial services industry. She has been with Edward Jones since 2014, currently based in Point Loma, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Eric Splaver is a financial advisor at Cetera with 16 years of industry experience and holds a Series 66 designation. He has extensive involvement in accounting and tax services, including managing a CPA firm where he provides tax, accounting, and business consulting. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Steven Gray is a financial advisor at Charles Schwab with 18 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at TD Ameritrade from 2011 to 2023 before joining Charles Schwab. Charles Schwab & Co., Inc. 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 advice and access to discretionary separately managed accounts, supported by multi-asset model portfolios and alternative investment due diligence.

William Garber is a financial advisor with UBS Financial Services in San Diego, CA. He holds a Series 66 designation and has 14 years of industry experience, including 13 years at UBS. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm provides fee-based financial planning, discretionary and non-discretionary portfolio management, and distributes mutual funds and alternative products.

Christopher Schierhorn is a Series 66-credentialed financial advisor with nine years of industry experience, currently serving clients at UBS Financial Services since 2017. Prior to joining UBS, he worked at Hein and Associates LLP for three years. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor strategies. The firm combines wealth management with institutional trading capabilities and provides a broad range of capital markets services.

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 license and 45 years of industry experience. He has been with LPL Financial since 1993. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual clients, retirement plans, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.