Monette Marino is a Senior Financial Advisor at Merrill Lynch Wealth Management, having joined the firm in 2012. She works alongside the Buchanan/Sims/Essick/Marino & Associates Team, focusing on portfolio strategy, asset allocation, retirement planning including 401k and IRA services, estate planning, charitable giving, home refinancing, and custom lending (NMLS#1073810). Ms. Marino collaborates with specialists across Bank of America banking services and Merrill Lynch Wealth Management to provide clients with comprehensive services and tailored recommendations. Ms. Marino has over 20 years of experience as the CEO of a non-profit arts corporation and as the owner of a music production company in San Diego. She applies her expertise to assist clients in planning and achieving financial goals through asset and liability strategies in both personal and business affairs. She holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). A third-generation native of San Diego, Ms. Marino earned her Bachelor's Degree from the University of California system and her Master's Degree from the California State University system. She is fluent in English, French, and Italian. Outside of her professional work, she is involved with the Mo'Rhythm School of Percussion and participates in community initiatives such as SPOT Saving Pets One at a Time. Her personal interests include dancing, music, painting, running, skiing, and watching movies.

Michael Bacci is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 27 years of industry experience. His prior roles include positions at Royal Alliance Associates and Wealth Management Concepts, Inc. Outside of his advisory work, he is involved with United Christian Youth Camp in Prescott, AZ. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, 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 a large network of investment adviser representatives and advanced operational tools.

Peter Huffman is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2008. He specializes in comprehensive wealth management with a focus on Behavioral Finance and how financial and investment decisions affect individuals and families. His expertise encompasses family wealth management strategies, philanthropic planning, socially responsible investing, and liquidity management among other areas. Before joining Merrill Lynch, Peter spent five years in Africa and Asia working in managerial roles for the Clinton Health Access Initiative (CHAI), including serving as Country Director for Ethiopia where he managed one of the largest HIV/AIDS care and treatment programs worldwide. He also acted as the principal liaison for official visits by former President William J. Clinton to Africa. Peter is engaged in philanthropy through board service and co-founding a nonprofit focused on youth empowerment and health services in South Africa and Ghana. Peter holds a bachelor's degree in psychology from Willamette University in Salem, Oregon and is a Personal Investment Advisor. He has been recognized as a Top 1200 Financial Advisor by Barron's, a Best in State Wealth Advisor by Forbes, and included in On Wall Street's Top 40 Under 40. Peter lives with his wife and their two children.

Andrew Null is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity Investments since 2013, progressing through various roles including Financial Consultant, Investment Consultant, Investment Solutions Representative, and Service Trader. Throughout his career, Andrew has focused on assisting clients in achieving their financial goals while helping them avoid common pitfalls. He holds a California Insurance License, which supports his work in providing comprehensive financial advice. Andrew is committed to building trust and confidence with his clients as he guides them through their financial planning journeys.

Samuel Bever is a financial advisor with Raymond James & Associates, holding a Series 66 designation and ten years of industry experience. His career includes roles at Merrill, Forge Markets LLC, and Raymond James, where he has worked since 2020. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and consulting with a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Rufino Autus is a financial advisor with Equitable Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and more than 30 years of industry experience. His previous roles include positions at E*Trade Securities, E*trade Capital Management, Citigroup Global Markets, and Centaurus Financial. He also serves as a trustee for his own family trust. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a wide range of clients, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes various advisory programs and third-party asset managers to tailor investment solutions, offering mutual funds, ETFs, separately managed accounts, and alternative investments.

David Foster is a financial advisor at LPL Financial with 39 years of industry experience. He holds the Series 63 and Series 66 designations and has worked at multiple credit unions and brokerage firms, including Cuna Brokerage Services and Cuna Mutual Group. 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 portfolios, third-party asset management, and institutional platforms.

Bryan Plank is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing 35 years of experience to his role. Born in Queens, New York, he has been part of a team serving clients in California for over four decades. Bryan specializes in family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor’s Degree from the University of Southern California and a Professional Investment Advisor (PIA) designation. Bryan emphasizes creating personalized financial strategies that align with clients’ long-term goals, offering access to the investment insights of Merrill and the banking and lending solutions of Bank of America. Committed to community involvement, he participates in local volunteer activities in keeping with Merrill’s tradition. Outside of work, Bryan enjoys gardening, music, and writing.

Lawrence Andrews Jr. is a CFP® with over 42 years of experience in the financial industry. He is currently with Morgan Stanley, having previously worked at City National Bank, RBC Capital Markets LLC, and Merrill. He holds the Series 63 and Series 65 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs that include tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through both direct individual relationships and corporate financial planning agreements.

Hue Simone is a financial advisor with LPL Financial, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial in 2018, Simone worked at B of I Federal Bank and held roles at Amazon Prime Now and the University of San Diego. 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 financial planning and asset management solutions through a large network of investment adviser representatives.

Marisa Clayton is a financial advisor with Wells Fargo Clearing in La Jolla, CA, holding a Series 66 designation and 25 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously spent nine years at UBS Financial Services. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and combines brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Christina Cleveland is a Series 66-licensed financial advisor with LPL Financial, based in San Diego, CA, and has 13 years of industry experience. Prior to joining LPL in 2024, she worked for nine years at Lincoln Financial Securities. Outside of her advisory role, she is active as a notary public and holds non-investment-related administrative roles at SDIS, Inc. and Piano Financial & Insurance 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 range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive operational and research tools.

Chelsea Newell is a CFP® professional with six years of industry experience, currently affiliated with Osaic Wealth. She has worked at several financial firms including Guide My Finances and Woodbury Financial Services. Outside of her advisory role, she is also active as a social media influencer, creating content related to lifestyle topics such as makeup and local venues. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach with tools for asset allocation, portfolio optimization, and offers a range of brokerage and advisory services through an extensive multi-advisor platform.

Mazen Abifaker is currently serving as a Vice President Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2022. In this capacity, he collaborates with multi-generational families to co-create personalized wealth plans aimed at growing, preserving, and transferring their wealth. Mazen has been with Fidelity Investments since 2010, progressing through various roles including Financial Consultant and Investment Consultant, which has provided him with extensive experience in financial advisory and wealth management. Prior to joining Fidelity, he worked as a Bank Teller at Wells Fargo Bank from 2009 to 2010. He holds a California Insurance License, underlining his professional qualifications in the financial services sector.

William Mc Gowan is a financial advisor at Charles Schwab with seven years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. since 2019 and Charles Schwab Bank, SSB since 2020. Prior to his financial services career, he held positions at P&G, Macy’s Inc., and Indiana University. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment management solutions. The firm is notable for its large scale, integrated structure, and combination of advisory, brokerage, custody, and cash-sweep services.

Kevin McBarron is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at several firms, including Union Capital Company and New England Securities, and currently also operates Wealth Planners, Inc. alongside his role at LPL. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Rene Gonzalez is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has previously worked at Bank of America, N.A. and Lending Club. Merrill, along 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 pension plans.

Trent Seybold is a CFP® and CFA® with seven years of experience in the financial services industry. He is currently affiliated with LPL Financial and has previously worked with OSAIC, FSC Securities Corporation, and Marangola Financial Group. Outside of his advisory role, he has experience in tax preparation and insurance sales through Marangola Financial Group. 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 and model portfolio programs, supported by a broad platform of technology and affiliated financial services.

Simon Petro is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. since 2018. Outside of his advisory role, he has been involved with Access Destination Services since 2015 and previously worked in event production at SD Event Production. 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 that utilizes firm-approved tools and modeling techniques.

Torrey Olson is a financial advisor with Ameriprise in San Marcos, CA. He holds a Series 66 designation and has recent experience at Ameriprise beginning in 2026. Prior to his advisory role, Olson worked at California State University San Marcos and Academy of Art University. Ameriprise offers a retirement-income planning service designed for individuals nearing or in retirement with substantial investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide written recommendation reports, supported by a centralized consulting team and algorithmic automation overseen by a Retirement Income Oversight Committee.