Didier Frachon is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds Series 63 and Series 65 designations and has worked within various divisions of Morgan Stanley since 2007, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. 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 and financial planning services, managing approximately $2.74 trillion in client assets.

Roberto Aguais is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. His prior roles include positions at Bank of America, Ameriprise, and Mission Federal Credit Union. He has experience working outside the financial sector at Bonita Pet Supply and in accounting services with Robert F Rosario CPA. 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal teams and third-party managers.

Khanh Ngo is a CFP®-designated financial advisor with 19 years of industry experience. He is currently with RBC Capital Markets, where he has worked since 2020. His prior experience includes roles at Merrill, Unionbanc Investment Services, MUFG Union Bank, and Bank of America. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers various advisory programs with tailored strategies implemented through a combination of in-house and third-party investment managers, supported by RBC’s capital markets and affiliated asset management capabilities.

Robert Koba Jr. is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds Series 63 and Series 65 designations and has 20 years of industry experience. His work history includes roles at Mission Federal Credit Union, Cuso Financial Services, New England Financial, and LPL Financial, as well as a background in health insurance. 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 tailored, non-discretionary planning and consulting using analytical tools and supports a broad network of advisors and affiliated firms.

John Marsh is a Series 66-licensed financial advisor with UBS Financial Services in La Jolla, CA, where he has worked since 2008. He has 18 years of industry experience. Marsh serves on the boards of the Ronald McDonald House of San Diego and the LHON Collective, focusing on advisory and fundraising efforts as well as supporting rare disease research. UBS Financial Services Inc. provides brokerage and investment advisory services to individual, corporate, and institutional clients, offering customized financial planning, portfolio management, and access to alternative investment products. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor client strategies.

Daniel Djordjevic is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at SunTrust Advisory Services, Truist Investment Services, and Wells Fargo. 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 provides a range of services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by tools such as machine learning for operational research.

Keith Kitagawa is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role he has held since 2020. He has more than 24 years of experience in the financial services industry. Keith provides comprehensive financial advice tailored to clients' time horizons, liquidity needs, investment goals, and fee sensitivities. His services focus on advising high net worth individuals and corporate executives, particularly in areas including executive compensation, family wealth management strategies, managing new wealth, and personal retirement planning. Keith holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Private Wealth Advisor® (CPWA®), Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), and Personal Investment Advisor (PIA). He earned a Bachelor of Science degree in Mechanical Engineering from the United States Naval Academy and a Master of Business Administration degree from UCLA Anderson. Prior to his financial services career, Keith served five years as a submarine officer in the United States Navy, attaining the rank of Lieutenant Commander. He is actively involved in community service and currently serves on the board of the San Diego Military Advisory Council Foundation and the advisory board of Life Science Cares San Diego. Additionally, Keith volunteers as a United States Naval Academy Blue and Gold Officer for local high schools. He has also held leadership roles with the Salvation Army Kroc Center in San Diego and the United States Naval Academy Alumni Association's San Diego Chapter. Keith resides in San Diego and has interests in cooking, ice hockey, spending time with family, and traveling.

Steven Schulte is a CFP® professional with 26 years of industry experience. He is currently affiliated with LPL Financial and has previously worked at Ameriprise Financial Services and Zions Capital Advisors. Outside of his advisory role, Schulte is co-owner of Southwest ATMs LLC and owns several business entities used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a broad range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

Arwa Kheriwala is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and two years of industry experience. She has been with Ameriprise and its affiliates since 2018, following a brief tenure at Pacific Advisors. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored written Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Liam Allford is a financial advisor at RBC Capital Markets in San Diego, CA. He holds the Series 66 designation and has recently begun his career, with prior experience including roles at City National Bank and RBC Capital Markets, as well as being a student at UCSB. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers customized portfolio management and financial planning services, utilizing both in-house and third-party investment managers and providing options for tax management, responsible investing, and alternative investments.

Jason Sinkoff is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation. His prior work includes positions at Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, N.A., and roles in academic institutions such as James Madison University and Wagner College. Outside of finance, he has been involved with the JCC Maccabi Sports Camp. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning services supported by firm-approved planning tools and investment research.

Saundra Benjamin is a Series 65-licensed financial advisor with seven years of industry experience, currently serving at Bruce McIndoe & Associates, Inc. She has worked at the firm since 1995 in various capacities. Outside of advisory work, she owns a professional organizing business called Benjamin Un-Limited. Bruce McIndoe & Associates, Inc. primarily provides investment management services for pooled investment vehicles and institutional clients. The firm combines advisory services with insurance broker activities and uses an hourly fee structure rather than a percentage-of-assets model.

Douglas Neyland is the sole advisor at Douglas Brian Neyland, an independent registered investment adviser based in San Diego, CA. He holds Series 63 and Series 65 licenses and has two years of experience in the financial industry. He also has long-standing academic roles at the University of California and the University of Minnesota, where he has been involved for over 35 years. The firm manages approximately $7.48 million in client assets, serving a small number of clients with a focus on individualized portfolio management. It caters primarily to higher-net-worth or institution-size clients, providing tailored investment strategies and personal service through a solo-advisor model.

Craig Mellon is a financial advisor with Economic Research and Insurance Solutions, LLC, holding Series 63 and Series 65 credentials and 20 years of industry experience. He has been with Economic Research and Insurance Solutions since 2007. The firm primarily advises pooled investment vehicles and institutional clients, using fundamental and technical analysis alongside a mix of long- and short-term trading strategies. Economic Research and Insurance Solutions is notable for its affiliations with a law firm and an insurance company, which are uncommon among investment managers.