Cynthia Ruvalcaba is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 21 years of industry experience. Her career includes roles at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Investments, LLC, spanning 15 years prior to joining Morgan Stanley in 2019. Morgan Stanley Wealth Management provides a range of advisory programs and tailored financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process involves structured discovery and proprietary tools, emphasizing advisory services without individual security recommendations in standalone plans.

Rafael Gutierrez Balderrabano is a financial advisor at Morgan Stanley with 16 years of industry experience. He has been with Morgan Stanley since 2016 and holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools such as Monte Carlo simulations to support its services.

Jay Mahajan is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. His career has been primarily with Wells Fargo-related entities since 2011. Outside of his advisory role, he serves as Chair of the Endowment Committee at Catlin Gabel School, participating in investment oversight and collaboration with school administration on investment policy and portfolio management. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad planning menu, including specialized services such as business-owner transition and special-needs planning, supported by Wells Fargo research and planning tools.

Michael Rundlett is a CFP®-certified financial advisor with 35 years of industry experience, currently affiliated with LPL Financial since 1993. He provides small business consulting services outside of his advisory role. 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 range of financial planning and asset management solutions, employing both proprietary and third-party strategies across discretionary and non-discretionary platforms.

Bryan Rohr is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been in the financial services industry since 1997 and joined Merrill Lynch in 2006. Bryan specializes in client focus areas including Divorce Transition Planning, Education Planning, Family Wealth Management Strategies, Services for Endowments, Foundations, and Non-profits, Legacy Planning, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Tax Minimization, and Retirement Income. He holds a Bachelor of Science in Finance from Linfield College and completed the Personal Financial Planning program at San Diego State University. Bryan holds the CERTIFIED FINANCIAL PLANNER (CFP) designation, the Chartered Retirement Planning Counselor (CRPC) credential, the Certified Plan Fiduciary Advisor (CPFA) designation, the Personal Investment Advisor (PIA) credential, and the Retirement Accredited Financial Advisor (RAFA) designation. Bryan lives in La Costa with his wife Jennifer and their three children. He is involved in his community, serving on the Board of Advisors for the Magdalena Ecke Family YMCA since 2017 and volunteering with the Encinitas National Little League as a coach from 2014 to 2018. His family participates in school, community, and church activities, and they enjoy travel, golf, and following college and professional sports teams.

Victor Guzman Lopez is a financial advisor with UBS Financial Services, holding a Series 66 designation and three years of industry experience. He previously worked at Citi Banamex for a total of ten years before joining UBS in 2023. UBS Financial Services Inc. serves individual, corporate, and institutional clients with a variety of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, supported by proprietary research and multiple capital markets operations.

Christina Gustin is a financial advisor with UBS Financial Services in San Diego, holding a Series 66 designation and 19 years of industry experience. She has been with UBS since 2011. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of products and proprietary research to tailor client strategies.

Judith Seaver is a financial advisor at UBS Financial Services with 38 years of industry experience. She has been with UBS since 1987 and holds a Series 63 designation. 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 uses proprietary research and model-based asset allocations to tailor strategies to client goals.

Brian Sexton is a financial advisor with Merrill based in La Jolla, California. He holds Series 63 and Series 65 licenses and has 31 years of industry experience. His career includes over three decades with Merrill and 17 years with Bank of America. 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 institutional investors.

William Mcbride IV is a financial advisor at Morgan Stanley in La Jolla, CA, holding a Series 66 designation with 11 years of industry experience. He has been with Morgan Stanley and its Private Bank since 2013. Outside of his advisory role, he is involved in managing rental real estate properties and serves as a personal representative for a trust. 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, including tailored financial planning supported by firm-approved tools and modeling techniques.

Charles Barnhart is a financial advisor at Morgan Stanley with four years of industry experience. Prior to joining Morgan Stanley in 2024, he worked at Bank of America, Merrill, and TD Ameritrade. Outside the financial services industry, he has experience with SDCA Distilling LLC and The Spot La Jolla. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and various investment strategies without offering individual security recommendations as part of its standalone planning services.

Peyton Witcher is a Financial Advisor at Merrill Lynch Wealth Management who serves business owners, executives, content creators, and athletes in managing their financial lives. He specializes in helping high-performing individuals simplify their financial complexities through a personalized, strategic approach. Peyton's services include strategic investing, tax-efficient planning, banking and cash flow management, retirement planning, and collaboration with other professionals such as CPAs and estate attorneys. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is recognized as a Personal Investment Advisor (PIA). Peyton earned his Bachelor's Degree from California Polytechnic State University. His client focus areas encompass education planning, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, liquidity management, personal retirement planning, individual and corporate investment strategy, and tax minimization. Outside of his professional role, Peyton is a member of the Triathlon Club of San Diego. His personal interests include basketball, football, golfing, hiking, pickleball, running marathons, swimming, and volleyball.

Perry Bacon Jr. is a financial advisor with LPL Financial, holding a Series 66 license and 20 years of industry experience. His prior roles include positions at Wells Fargo Advisors, Morgan Stanley, and UBS Financial Services. He is also president of Lion Street and My Advisors Choice, both non-variable insurance entities, where he contributes a limited number of hours monthly. LPL Financial is a national broker-dealer and registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of advisory solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive technology and a large network of advisors.

Austin Moreira is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial in 2020, he worked in business activities including roles at Las Flores Car Wash and Warmington Properties, Inc., and was affiliated with The Ohio State University from 2016 to 2020. 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 institutions. The firm offers a range of investment options and utilizes research, technology, and multiple platforms to support its network of more than 22,800 advisors.

Brianna Jacobs is a financial advisor with LPL Financial in San Diego, CA. She holds the Series 66 designation and has been with LPL since 2026. Prior to her current role, Brianna has experience in education, including positions at San Diego State University and Santa Barbara City College, as well as work in the restaurant industry. 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, incorporating model portfolios, third-party asset management, and institutional platforms.

Alex Lutz is a financial advisor with Raymond James Financial Services Advisors, Inc. holding a Series 66 designation and four years of industry experience. His prior roles include positions at Edward Jones and Citibank. Additionally, he serves as a trustee for a family living trust. 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, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning and uses analytical tools to tailor recommendations, supporting implementation through various advisory programs.

Daniel Guadarrama is a financial advisor with Charles Schwab, holding a Series 66 designation and 16 years of industry experience. He previously worked at TD Ameritrade for 12 years before joining Charles Schwab. Outside of his advisory role, he is involved in managing a rental property. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management with centralized custody and operational support.

Raymond Fagalde is a financial advisor with Raymond James Financial in San Diego, CA, holding a Series 66 designation. He has one year of industry experience and has held roles at The Manning Companies and Raymond James Financial Services, Inc. Prior to his advisory career, he worked in various positions including at Robert Half and Saint Mary's College of California. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports advisory programs while maintaining specialized services in municipal and public finance.

Kaitlyn Cruse is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her career with Merrill in 2008 in Boston, working with ultra-high net worth individuals on various financial matters, including cash management and investment manager due diligence. Since moving to San Diego in 2016, she partners with clients and their advisors to create wealth plans tailored to their needs and goals, incorporating disciplined investment strategies and collaborating with estate and tax professionals. Kaitlyn holds several professional designations including Certified Investment Management Analyst®, Certified Plan Fiduciary Advisor®, and Retirement Accredited Financial Advisor. She earned a Bachelor of Science in Business Administration from Bryant University, with a focus on Financial Services and a minor in Communications. Additionally, she holds licenses and registrations such as the California Life, Accident & Health license and FINRA Series 7, 63, 65, and 66. Outside of her professional role, Kaitlyn resides in Carlsbad, California with her husband and two children. She enjoys activities such as cooking, golfing, skiing, and spending time with family. Kaitlyn has been actively involved in professional organizations including the Merrill Women's Exchange in both Boston and San Diego chapters, and Merrill’s Military Support & Assistance Group in San Diego.

Kelsey Regedanz is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including working at Morgan Stanley Private Bank, N.A. since 2015. 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 with a focus on tailored financial planning and utilizes structured planning tools and models developed by its Global Investment Committee.