Adam Sinkoff is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management (MSWM) is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Carson Butts is a financial advisor at J.P. Morgan Securities with a Series 66 credential and one year of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank, N.A., he held roles at WestPac Wealth Partners, MicroAge, Vanta, Insight Enterprises, H-E-B, LP, and UPS. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm’s advisory services are delivered on a non-discretionary basis, with clients retaining final decision-making authority.

Randall Kilpatrick is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 licenses and has worked with Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he rents rooms in his personal residence in La Jolla, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individual and institutional clients, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee.

Isaac Hansen is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. His prior roles include positions at LPL Financial, Trilogy Capital, Trilogy Financial Services, and National Planning Corporation. Hansen serves as a board member of the Western Pension & Benefits Council, focusing on pension education. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent professionals, employing both proprietary and third-party model-based strategies across multiple custody platforms.

Mark Ruyle is a financial advisor at Edward Jones with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Morgan Stanley and Allstate Insurance Co. Ruyle is based in La Jolla, CA. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment options, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of financial advisors and branches.

Amer Mistry is a Certified Financial Planner (CFP®) with 21 years of industry experience, currently serving as an advisor at Edward Jones since 2006. He is based in San Diego, CA. Outside of his advisory role, Mistry serves on the finance subcommittee of Mama's Kitchen, a nonprofit organization in San Diego. Edward Jones is a full-service wealth management firm that serves individual and institutional clients with a broad range of advisory programs and investment options. The firm is noted for its extensive network of advisors and branch offices, as well as its affiliated capabilities including a trust company and proprietary mutual funds.

Jennifer Miller is a financial advisor at Morgan Stanley in La Jolla, CA, holding Series 63 and Series 66 licenses with 15 years of industry experience. She has been with Morgan Stanley since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and models.

Lee Guzman is a financial advisor with Morgan Stanley in San Diego, CA, holding the Series 63 and Series 66 designations and bringing 23 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Noah Dutcher is a financial advisor at Equitable Advisors in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Equitable Advisors, he has held various roles in the restaurant and hospitality sectors. Outside of finance, he is involved with the San Diego Yacht Club. Equitable Advisors serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives and third-party advisory programs.

Huy La is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and nine years of industry experience. He has been with Merrill and Bank of America since 2017. Outside of advising, he is the sole owner of a rental property business. 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. The firm offers a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Licari is an International Wealth Advisor with Merrill Lynch Wealth Management. He provides a comprehensive approach to managing wealth, focusing on listening to clients' needs to develop strategies aligned with their financial goals. He offers access to investment insights from Merrill and banking services from Bank of America to address various aspects of clients' financial lives. Michael Licari has over 36 years of experience in the financial industry. He began his career in 1983 with Shearson Lehman/American Express in New York. In 1985, he moved to San Diego to join Merrill and has been part of the Merrill International group since 1987. He works with clients across the U.S. and internationally, focusing on areas including International Wealth Management, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Individual and Corporate Investment Strategy, and Retirement Income. He holds a Bachelor's Degree from Syracuse University, where he majored in Finance and Law and Public Policy. Michael Licari has earned several professional designations, including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). His personal interests include biking, camping, fishing, gardening, hiking, hunting, scuba diving, skiing, surfing, and writing.

Amanda Mcnellis Leptich is a financial advisor at Morgan Stanley with 27 years of industry experience. She holds the Series 63 and Series 65 designations and has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as with Citigroup Global Markets since 1996. She is involved in a trust-related business based in Rancho Santa Fe, California. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and modeling techniques.

Olivia Studley is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. She previously worked at RBC Capital Markets and has experience in educational and service roles, including positions at the University of San Diego and Ponce's Mexican Restaurant. Morgan Stanley Wealth Management is a large 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 services supported by structured discovery processes and advanced modeling tools.

Kathryn Miller is a financial advisor with Morgan Stanley in San Diego, holding Series 63 and Series 66 credentials and with 10 years of industry experience. She has worked at Morgan Stanley since 2015, with a break between 2017 and 2021 when she was employed at UBS Financial Services Inc. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and modeling techniques.

Kristin Gang is a financial advisor with Cetera, holding a Series 66 designation and 22 years of industry experience. She has worked at several Cetera entities since 2015 and was previously with First Allied Securities, Inc. and Avantax Investment Services Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options and program structures, managing over $256 billion in assets.

Joseph Rosenberry is a financial advisor at LPL Financial with three years of industry experience and a Series 66 designation. His prior experience includes roles at Ameriprise and Service Response Partners LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions through a broad advisory platform. The firm offers services such as financial planning, model portfolios, third-party asset management, and institutional platforms, supporting a wide range of investment strategies implemented by its network of investment adviser representatives.

Jimmy Lopez is a financial advisor with Cetera, holding Series 63 and Series 65 designations and 11 years of industry experience. He has been with Cetera and affiliated firms since 2015, including Foresters Financial Services and Foresters Advisory Services. Cetera Investment Advisers LLC is a large, SEC-registered firm serving a broad client base that includes individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary account structures.

Jaime Torres is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Merrill since 2018. Prior to that, he operated a business under Javier Torres Inc. for ten years. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Ia Phan Jones is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and 18 years of industry experience. She has worked at Cetera since 2020 and previously at Wells Fargo Clearing and Wells Fargo Advisors. Outside of her advisory role, she is involved with the PTA at Hearst Elementary School. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, employing a multi-manager platform with various program options and custodial relationships.

Megan Polizzi is a financial advisor with Cetera in San Diego, CA, holding Series 65 and Series 66 licenses and 15 years of industry experience. She has worked at Cetera and its affiliated entities since 2025 and previously with CUSO Financial Services from 2021 to 2025. Outside of her advisory role, she serves as a Girl Scouts troop leader and an auditor for a local charity league. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutions through a large nationwide network of advisors. The firm offers a variety of portfolio management and financial planning services via a multi-manager platform that includes discretionary and non-discretionary options, model portfolios, third-party managers, and bespoke strategies.