Eric Volinsky is a financial advisor with Charles Schwab who holds Series 63 and Series 66 licenses and has 28 years of industry experience. Prior to joining Charles Schwab in 2022, he worked at TD Ameritrade from 2010 to 2022. Outside of his advisory role, he owns a rental property in San Diego. 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 both non-discretionary investment guidance and access to discretionary separately managed accounts, combining a scaled, integrated operational model with multi-asset portfolio management and alternative investment options.

Juan Cabanas is a Senior Resident Director and International Wealth Advisor at Merrill Lynch Wealth Management in San Diego. He holds the title of Managing Director, the highest designation a financial advisor at Merrill can attain. Juan has been with Merrill Lynch since 2010 and serves as the Senior Resident Director of the firm's international office. His career in international private banking spans over 28 years, beginning in 1995 at PaineWebber. He has also worked for Citi-Smith Barney and UBS. Juan's expertise includes family wealth management strategies, international wealth management, liquidity management, managing new wealth, personal retirement planning, and portfolio management services. He holds FINRA Registrations 7, 9, 10, and 66 and the Personal Investment Advisor (PIA) professional designation. Juan earned both his bachelor's and master's degrees in International Business from the University of San Diego. He is fluent in English and Spanish. Outside of work, Juan enjoys biking, boating, music, running marathons, scuba diving, skiing, soccer, swimming, and traveling.

Shirley Cantu is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 10 years of industry experience. She has worked with Wells Fargo in various capacities since 1997. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, leveraging research and analytics with a broad range of brokerage and advisory solutions.

David Brookes is a financial advisor at Osaic with 36 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Sagepoint Financial, Inc. since 2009 before joining Osaic in 2023. Outside of his advisory role, he owns a sole proprietorship focused on term life insurance and variable annuities. Osaic Wealth serves a diverse client base including retail and institutional investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with an investment approach centered on model-based asset allocation, portfolio optimization, and multiple managed account options.

Ian Ugarte is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with LPL Financial since 2009, following prior roles at Associated Securities Corp. and National Planning Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by technology tools and oversight of over $819 billion in discretionary assets.

Jane Fitzpatrick is a financial advisor at Morgan Stanley with 45 years of industry experience. She holds a Series 66 designation and has worked at various Morgan Stanley entities since 2004. Fitzpatrick is based in San Diego, CA. Morgan Stanley Wealth Management provides a range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in assets. The firm uses structured planning tools and offers tailored financial plans while generally acting in an advisory capacity.

Jolene Weston is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 license with 16 years of industry experience. She has been with Morgan Stanley since 2010. Outside of her advisory role, she serves as a board member for the Solara Lofts Homeowners Association, where she helps oversee community operations and budget management. Morgan Stanley Wealth Management provides investment advisory and brokerage services to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s financial planning process employs structured discovery and firm-approved tools, supporting a broad range of retail and institutional clients.

William Lara is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds a Series 63 designation and has been with Wells Fargo in various capacities since 2005. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Spencer Lewis is a financial advisor with LPL Financial in San Diego, CA. He holds the Series 66 designation and has 18 years of industry experience, including 20 years at LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Matthew Hall is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 license. He joined Morgan Stanley in 2025 and has prior experience in vacation rental management and education, having worked at Mission Sands Vacation Rentals and several schools. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools.

Coley Davis III is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Securities America Advisors, Cooper McManus, and VOYA Financial Advisors. He is also president of CB Financial Ins Services Inc., which provides fixed insurance sales and investment-related services. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process employs model-based asset allocation and portfolio optimization, supported by various tools and strategies, and is notable for its scale, affiliate network, and private-equity ownership.

Christine Dellacato is a financial advisor at Cetera with 37 years of industry experience. She holds Series 63 and Series 65 registrations and has worked with firms including LPL Financial and Summit Financial Networks. Dellacato is a board member of the East County Family Y, where she participates in monthly management meetings. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, ERISA retirement services, and access to third-party money managers.

David Winter is a financial advisor with J.P. Morgan Securities who holds a Series 66 designation and has 10 years of industry experience. He has worked with J.P. Morgan Securities since 2017 and has been a self-employed musician and instructor with Blue Fever since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations, with capabilities including derivatives and commodities.

Adam Talman is a financial advisor with Edward Jones in San Diego, CA. He holds the Series 66 designation and has been with Edward Jones since 2026. Prior to joining Edward Jones, he worked at Paychex and held various positions across multiple industries. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory strategies, alongside affiliated mutual funds and tax-efficient services.

Julie Reid is a financial advisor with Edward Jones in San Diego, CA, holding CFP® and ChFC® designations as well as the Series 66 license. She has seven years of industry experience, including roles at Bird Rides Inc and the American Lung Association before joining Edward Jones in 2019. Outside of her advisory work, she is a co-owner of a property rental LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management and a network of approximately 23,701 advisors. The firm offers a range of advisory programs, including wrap fee strategies and separately managed accounts, and operates under a fiduciary standard.

Jose Cetale is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Wells Fargo Clearing and Investments. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning that incorporate structured discovery conversations and firm‑approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through Financial Advisors and its Estate Planning Strategies Group.

Nadin Toma is a financial advisor with J.P. Morgan Securities in El Cajon, California, holding Series 63 and Series 66 licenses and 13 years of industry experience. In addition to his financial advisory role, he is involved as an owner and partner in a family-owned jewelry store, contributing to customer service and social media efforts on weekends and afternoons. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of wealth advisors. The firm’s non-discretionary program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting supported by centralized due diligence and a blend of quantitative and qualitative research.

Emerald Jimenez is a financial advisor at LPL Financial in San Diego, CA, with nine years at the firm and three years of industry experience. Prior to joining LPL Financial, she worked at Victoria's Secret for two years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.

Ray Garnica is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney since 2010, including time with the Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm combines structured planning tools with investment insights from its Global Investment Committee.

David Harrison is a CFP® with 38 years of industry experience, currently advising at Wells Fargo Clearing since 2016. He previously worked at Prudential Equity Group, LLC for nine years. He holds Series 63 and Series 65 licenses and acts as a power of attorney for his spouse in an unrelated capacity. 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.