Jared Cummings is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009. Outside of his advisory role, he is a sole proprietor involved in property management of a single-family rental home. 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 structured discovery conversations and firm-approved tools.

Casey Clark is a Series 66-licensed financial advisor with Charles Schwab in San Diego, CA, and has nine years of industry experience. He has been with Charles Schwab since 2016. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining strategic asset allocation with access to alternative investments and integrated custody and brokerage services.

Steven Cannon is a financial advisor at Osaic with 26 years of industry experience. He holds Series 63 and Series 66 designations and previously worked at Lincoln Financial Advisors for 23 years. He also serves as an insurance agent offering disability insurance, fixed/indexed annuities, and traditional life insurance, and acts as a successor trustee for the Carol A Cannon Trust. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, supported by various tools and multiple program options including discretionary and advisor-managed strategies.

Christyn Lo is a financial advisor at Merrill with 19 years of industry experience. She holds a Series 66 designation and has been with Merrill Lynch Pierce Fenner & Smith since 2006. Outside of her advisory role, Christyn works part-time as a bookkeeper for a dental practice. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies.

Arturo Ramirez is a financial advisor at Merrill with a Series 66 designation and 12 years of experience at the firm. He has four years of industry experience and is based in El Cajon, California. 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 and third-party managers.

Nicholas Westendorf is a financial advisor with Morgan Stanley in San Diego, holding a Series 66 designation and 12 years of industry experience. He has been with Morgan Stanley since 2014 and is currently associated with Morgan Stanley Private Bank, N.A. Outside of his advisory role, he is a partner in Saltvault West, a recreational business in San Diego. Morgan Stanley Wealth Management serves individual and institutional clients by offering a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques to support its advisory services.

Karen Merker is a financial advisor with Merrill, holding Series 63 and Series 65 designations and 34 years of industry experience. She has been with Merrill since 2001. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Bo Zhang is a Series 66–licensed financial advisor at Merrill with eight years of industry experience, including prior roles at Bank of America and HRSD. He is based in San Diego, CA. Outside of his advisory duties, he co-owns family rental properties. Merrill serves a wide range of clients, including individuals, retirement plans, corporations, and institutional investors, offering managed account programs, discretionary portfolio management, and brokerage services. The firm is noted for its integrated platform with Bank of America affiliates and its focus on tax-efficient investment strategies.

Trevor Howard is a Series 66 licensed financial advisor with six years of industry experience. He is currently with UBS Financial Services and has prior experience at Edward Jones and GoSite. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor plans based on clients' goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services and offers a broad range of capital markets solutions.

Misty Lavin is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She has worked at J.P. Morgan Securities since 2012 and has been with JPMorgan Chase Bank, N.A. since 2008. She holds Series 63 and Series 66 designations. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s program is non-discretionary and focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Andrew Mangel is a financial advisor with Cetera, holding a Series 66 designation and three years of industry experience. He previously worked at Northwestern Mutual in investment services and life insurance. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a large nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Casey Broach is a CFP® professional with 22 years of experience in the financial services industry. He is currently with OSAIC, where he has worked since 2023, following roles at Sagepoint Financial, National Planning Corp, and LPL Financial. Broach serves on the board of the Boys & Girls Clubs of South County, contributing to governance and fundraising efforts. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers brokerage and advisory services featuring model-based asset allocation, portfolio optimization, and a range of investment programs delivered via affiliated broker-dealer and RIA relationships.

Patricia Mc Cue is a Series 66-licensed financial advisor with Morgan Stanley in La Jolla, CA, and has 11 years of industry experience. She previously worked at Wells Fargo Clearing for five years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management provides a wide 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 planning process supported by firm-approved tools and methodologies.

Kiley Aymar is a Planning Consultant who assists clients in implementing comprehensive financial plans tailored to their individual situations. She emphasizes providing a high level of customer service in her work. Her professional experience includes roles as a Relationship Manager at Fidelity Investments from 2022 to 2023, a Financial Representative at Fidelity Investments from 2021 to 2022, and a Wealth Management Intern at Capital Analysts of New England from 2018 to 2020. She holds a California Insurance License. Outside of her professional work, Kiley has personal interests in fitness, food, tennis, and yoga.

Delon Mansour is a financial advisor at Osaic with 16 years of industry experience. He holds the CFP® and ChFC® designations and has worked at firms including LPL Financial, Morgan Stanley, Kestra Advisory, and Edward Jones. Outside of advisory services, he owns several small businesses, including an off-road vehicle auction business and an Amazon FBA venture managed by a third party. Osaic Wealth serves a diverse client base of retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, with a range of investment programs delivered across affiliated broker-dealer and RIA relationships.

Mia Gilbertson is a financial advisor at Morgan Stanley with three years of industry experience. She holds the Series 66 designation and has previously worked at UBS Financial Services and UBS. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, specializing in tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process using firm-supported tools and modeling techniques to assist clients with financial strategies.

Dolores Serdahely is a Wealth Management Advisor at Merrill Lynch Wealth Management. Details about her professional experience, educational background, credentials, and personal interests have not been provided.

Bruce Denker is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. 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, employing structured discovery conversations and firm-approved planning tools to support client goals.

Ashley Mooney is a Series 66-licensed financial advisor at Morgan Stanley with eight years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2017. Prior to her financial services career, she was employed at Seasons 52 for five years. Outside of advisory work, she rents her personal vehicle through Turo. Morgan Stanley Wealth Management serves both individual and institutional clients with a broad range of advisory programs, emphasizing tailored financial planning supported by firm-approved tools and a structured discovery process.

Adam Jacobs is a financial professional with Cetera and holds a Series 66 designation. He has four years of industry experience, including roles at Cetera Wealth Services and North Star Resource Group. Jacobs also has involvement offering fixed insurance and group benefits through North Star Consultants and Brokerage Group. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with over 10,000 advisors nationwide.