Derek Wright is a Financial Consultant at Fidelity Investments, a role he has held since 2021. He provides guidance and personalized financial planning services to help clients work towards their life goals, collaborating with his team to tailor strategies that adapt to clients' changing needs. Prior to his current position, Derek held several roles at Fidelity Investments, including Investment Consultant from 2019 to 2021 and Financial Representative in 2019. Before joining Fidelity, he was a Relationship Manager at Bank of America from 2018 to 2019 and an Account Manager at ViewRidge Funding from 2017 to 2018. Derek holds a California Insurance License. Outside of his professional work, Derek has interests in food, outdoor adventures, snowboarding, traveling, and pets.

Amy Howe is a financial advisor at Wells Fargo Advisors in La Jolla, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. Before joining Wells Fargo Clearing Services LLC in 2017, she worked at Keller Williams Realty for one year. Outside of her advisory role, she is involved in event planning for a custom shade sails business she owns with her spouse. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu using Wells Fargo research and tools, with services covering cash-flow, retirement, education, risk, wealth transfer, and specialized areas such as business-owner transition and special-needs planning.

Robert Steck is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 2014 after nearly two years with Edward Jones, following a previous 26-year career at Anheuser-Busch where he held positions in sales and operations, specializing in finance and international and wholesaler operations. Based in San Diego, Robert focuses on family wealth management strategies, personal retirement planning, small business strategies, individual and corporate investment strategy, and retirement income. Robert holds a Master’s degree in Finance from the University of Chicago Booth School of Business, a Master’s degree in International Economics from Tufts University, and a Bachelor’s degree in Political Science and French from Saint Louis University. He maintains professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Originally from St. Louis, Missouri, Robert has lived in Europe during his career and has been an individual investor for more than 25 years. In his personal time, Robert enjoys baseball, basketball, hiking, tennis, and traveling. He is a widower with two grown sons and three young grandchildren, and is active in the San Diego community where he resides. His approach as a Merrill advisor emphasizes connecting all aspects of a client’s financial life to help prioritize and pursue important financial goals.

Ryan Kinney is a financial advisor with Edward Jones in Chula Vista, CA, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2014. 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 strategies, including discretionary and non-discretionary wrap fee accounts, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Brian Ohlfest is a financial advisor with Fidelity Investments in San Diego, CA, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at JP Morgan Securities, LLC, Morgan Stanley, and Seven Seas Yacht Management. Fidelity's Strategic Advisers LLC offers investment management and advisory services to a diverse client base, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its formal advisory role to multiple registered investment companies and its use of algorithmic methods and AI in research.

Alberto Nunez is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at Fidelity and TD Ameritrade. He has been with J.P. Morgan in various capacities since 2014. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering customized asset allocation advice, manager searches, and performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

Keith Baham is a financial advisor at Fidelity with 19 years of industry experience. He holds a Series 66 designation and has worked at several firms including Encompass More, Massmutual, and Edward Jones. He is currently based in San Diego, CA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across a diverse range of mutual funds, ETFs, and ETPs.

Michael Jackson is a financial advisor at Edward Jones in El Cajon, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he was self-employed at Jackson Consulting, Inc. and worked at Marsh & McLennan Agency for 12 years. Outside of his advisory role, he serves as the Head Women’s Golf Coach at Patrick Henry High School. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory and investment services, supported by a nationwide network of over 23,000 financial advisors and $1 trillion in assets under management.

David Price is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the La Jolla office. He joined Merrill in January 2000 and has spent his entire career there, marking over 22 years of experience as of 2022. David's work focuses on providing personal attention and comprehensive services to retirees, busy professionals, and families who have significant assets but seek assistance in managing complex financial details. His expertise includes portfolio construction, discretionary portfolio management, asset allocation, tax minimization strategies, retirement income strategies, college planning, estate planning, and wealth transfer strategies. David earned a Master’s degree from San Diego State University and a Bachelor’s degree from Old Dominion University. Over his career, he has developed strong relationships with clients, guiding them through various life challenges such as widowhood, health crises, estate planning, and educating younger generations about retirement savings. He holds the Personal Investment Advisor (PIA) designation. Outside of his professional role, David lives in Solana Beach with his wife, Brooke, their sons, and their dog. He participates in community activities including volunteering with the Skyline Elementary School Dad's Club, the Best Day Foundation, and has served on the board of Solana Beach Little League. His personal interests include baseball, basketball, surfing, photography, and reading.

Nicholas Maly is a financial advisor with Fidelity, holding a Series 66 designation and 14 years of industry experience. He has worked at various Fidelity entities since 2013, including Fidelity Personal and Workplace Advisors since 2018. Strategic Advisers LLC, a Fidelity Investments company, offers investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios using mutual funds, ETFs, and ETPs.

Joseph Maier V is a Series 66-licensed financial advisor at LPL Financial with two years of industry experience. His prior work includes positions at The Vant Group, R.J. Kates Company, and Baylor University. 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 with access to model portfolios, third-party asset managers, and institutional platforms.

Tarik Benchabane is a financial advisor at Morgan Stanley with eight years of industry experience. He holds a Series 66 designation and has previously worked at Wells Fargo Clearing and Wells Fargo Advisors, LLC. Based in La Jolla, CA, he has been with Morgan Stanley since 2022. 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. The firm’s financial planning process uses structured discovery, approved planning tools, and various modeling techniques to support client goals, generally acting in an advisory capacity.

Eva Murdock is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by data-driven tools and invests approximately $2.74 trillion in client assets.

Edgard Martinez is a financial advisor at Charles Schwab with two years of industry experience. He holds Series 63 and Series 66 licenses and has prior work experience at Convoy Home Loans, Global Equity Finance, Academy Mortgage, and Gold Star Mortgage Financial. Charles Schwab & Co., Inc. serves 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Adawna Ruthart is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. She holds Series 63, 65, and 66 registrations and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2013, with additional experience at Truist Advisory Services and related entities. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending investment strategies.

Cearra Free is a financial advisor with LPL Financial holding a Series 66 designation and has been in the industry since 2023. Her prior work experience includes roles at Trax Wealth Management, Guaranteed Rate, Supreme Lending, and JH Ranch. 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 services, including financial planning, model portfolio programs, and institutional platforms, with investment strategies implemented by a large network of investment adviser representatives.

Russell Gallen is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 designation and 18 years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank since 2018 and previously held roles at Bank of America and Merrill. Outside of his advisory duties, he is involved in property management in Nashville, Tennessee. Morgan Stanley Wealth Management serves individual and institutional clients by providing tailored financial planning and a wide array of advisory programs. The firm uses structured planning tools and a range of investment and financial products to support client goals.

David Gillaspy is a financial advisor with Raymond James & Associates in San Diego, CA, holding Series 63 and Series 66 licenses and with 26 years of industry experience. He previously worked at Madison Avenue Securities, Inc. for nine years and has been associated with multiple Raymond James entities since 2022. In addition to his advisory role, he maintains a non-active California real estate sales agent license. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Christopher Weber is a financial advisor with Cetera, holding CFP® and ChFC® designations and the Series 66 license. He has 17 years of industry experience, including prior roles at Independent Financial Group, LLC. Weber is also licensed to sell fixed insurance products in a minimal capacity. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base with services including portfolio management, financial planning, and retirement plan consulting. The firm offers a multi-manager platform with access to affiliated and unaffiliated managers and manages over $256 billion in assets through a network of more than 10,000 advisors.

Eric Dahl is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation. He has been with LPL Financial since 2026 and has prior experience in the hospitality industry, including roles at Chef Works Inc, Evans Hotels, and Fairmont Hotels. Outside of finance, he has maintained a long-term involvement with Chef Works Inc. 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, leveraging both proprietary and third-party strategies, and supports its extensive network of over 22,800 advisors with operational and research tools.