Nayra Ramirez is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 20 years of industry experience. She has worked with Wells Fargo entities since 1992, including roles at Wells Fargo Advisors LLC and Wells Fargo Clearing. 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 extensive research and analytics.

John Jacobs is a financial advisor with LPL Financial in Bonita, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities. He is also involved with San Diego County Credit Union in an investment-related capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, corporations, and charitable organizations. The firm provides diversified advisory programs, retirement plan consulting, and brokerage services supported by in-house and third-party research.

Jamie Smith is a financial advisor with Equitable Advisors in La Jolla, CA, holding a Series 66 designation and 22 years of industry experience. Jamie has been with Equitable Advisors since 2003 and previously worked at Axa Advisors. Equitable Advisors provides financial planning, retirement plan support, and access to asset management services for individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm utilizes a hybrid referral and implementation model that incorporates third-party asset managers and advisory programs tailored to clients' goals, risk tolerance, and time horizons.

Claire Neville is a financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, she worked at Warner Bros. Discovery and CNN International. She serves on the board of Neville's Automotive Co., an automotive and transportation business based in Oceanside, California. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets through various advisory and brokerage services.

Alejandro Mendoza is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following five years with Wells Fargo Clearing and one year with Wells Fargo Advisors, LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by firm-approved tools and modeling techniques.

Ward Gorham is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Morgan Stanley for 11 years before joining Wells Fargo Clearing in 2024. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

John Armstrong IV is a financial advisor with Wells Fargo Clearing in La Jolla, CA. He holds the Series 63 and Series 65 designations and has 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Max Hangartner is a Series 66 credentialed financial advisor with LPL Financial in San Diego, CA. He has 23 years of industry experience and has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, and a range of portfolio management services supported by both proprietary research and third-party subadvisors.

Robert Wilcsek is a Senior Financial Advisor with Merrill Lynch Wealth Management, based in the La Jolla office. He has worked in financial services since 1977, bringing over 45 years of experience to his role. Robert assists clients by developing personalized wealth management strategies tailored to individual needs, focusing on family wealth management, endowments, foundations, non-profit services, new wealth management, retirement planning, portfolio management, and retirement income. Robert holds a Doctorate from Washington State University and previously worked at the University of California, San Diego, before joining Merrill Lynch. He carries the Personal Investment Advisor (PIA) designation. Raised in Solana Beach, California, Robert emphasizes a comprehensive and collaborative approach, working one-on-one with clients to help them pursue their long-term financial goals. He is also engaged in community volunteering in alignment with Merrill’s tradition of service. Outside of work, Robert enjoys billiards, surfing, and watching movies.

Nicolas Garza Elorduy is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes roles at StepStone Group, Taylormade Golf, and Vuori Inc., as well as academic positions at the University of San Diego and California Polytechnic State University, San Luis Obispo. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers its advisory services alongside affiliated brokerage and investment management capabilities through a non-discretionary program where clients retain final decision-making authority.

Ivette Moguel is a financial advisor at Morgan Stanley in San Diego, CA, with 19 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Merrill Lynch for 14 years prior to joining Morgan Stanley in 2024. 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 through a structured planning process that employs firm-approved tools and market modeling techniques.

Joseph Ramirez is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2018. Outside of his advisory role, he is involved with Midway Venture LLC, a bar and restaurant business based in San Diego. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research and analytics from Wells Fargo Investment Institute and third-party databases, focusing on diversification and modern portfolio theory.

Mavel Becerra is a financial advisor at LPL Financial with a Series 66 designation and five years of industry experience. He previously worked at Wells Fargo Clearing for 17 years before joining LPL Financial in 2022. Outside of his advisory work, Becerra is a motivational empowerment speaker and consultant and volunteers with Templo Calvario CDC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, employing both discretionary and non-discretionary management supported by proprietary research and third-party resources.

Dinara Meiramkulova is a financial advisor at Wells Fargo Clearing with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC and 18 years with Wells Fargo Bank NA. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Delawar Roashan is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at Equitable Advisors since 2020 and previously at Cuso Financial Services, LP from 2015 to 2020. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and various third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage/insurance channels to tailor client services based on documented goals, risk tolerance, and time horizon.

Amber De Bartolo is a financial advisor with OSAIC holding a Series 66 designation. She has been in the industry since 2024 and previously worked with Shorelight Wealth Group and FirefighterAid. OSAIC Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers and multiple advisory platforms. The firm offers integrated brokerage and investment advisory services, financial planning, retirement consulting, and access to third-party money managers and wrap programs.

William Hinch is a financial advisor with LPL Financial based in San Diego, CA. He holds Series 63 and Series 66 licenses and has 24 years of industry experience. He has been affiliated with Uvest Financial Services since 2010 and with LPL since 2008. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a variety of advisory programs, financial planning, and retirement plan consulting, featuring discretionary and non-discretionary management and access to model portfolios and research from multiple sources.

Jacob Goldberg is a financial advisor with Mass Mutual Investors Services in La Jolla, CA. He holds the Series 66 designation and has 17 years of industry experience, including roles at Metlife Securities Inc and MassMutual Life Insurance Co. He has been with Mass Mutual Investors Services since 2017. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, money-manager programs, and educational seminars.

Austin Pate is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and nine years at LPL Financial. Prior to his advisory career, he worked at Round Table Pizza for five years. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing discretionary and non-discretionary management supported by research and model portfolios.

Sean Donnelly is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Ameriprise and its affiliate since 2014. Outside of his advisory role, he owns a real estate business in Joshua Tree, California. Ameriprise is a large institutional firm offering a retirement-income planning service targeted at individuals nearing or in retirement who meet certain asset thresholds. The firm provides written recommendation reports incorporating research, modeling, and tax-efficiency analysis, with a focus on assets held in Ameriprise-managed accounts.