Darin Beeghley is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. He has been with UBS since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Summer Pretzer is a financial advisor at Cetera with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been affiliated with various Cetera entities since 2017. Outside of her advisory role, she volunteers with Lions, Tigers, and Bears, a nonprofit where she conducts group visits, educates, and helps care for animals. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services using multiple program structures and access to both affiliated and third-party managers.

Gabriel Garcia is a financial advisor at Ameriprise Financial Services with eight years of industry experience. He holds a Series 66 designation and previously worked at Mariner Independent Advisor Network, LPL Financial, and Edward Jones. Garcia also served in the United States Marine Corps Reserves for 12 years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. Its approach includes a centralized service team that collaborates with advisors to provide written Recommendation Reports based on proprietary research and third-party data.

Timothy Mehrer is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Mehrer serves as a board member for Kids First at Sunset View, a nonprofit focused on children and youth education. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutions. The firm emphasizes structured financial planning supported by approved tools and serves clients through both direct relationships and corporate financial planning agreements.

Deborah Macneil is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and bringing 30 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors and Invest Financial Corporation. Outside of her advisory role, she is an independent consultant for Pampered Chef, selling cooking products. 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.

Peyton Maple is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2022, Peyton worked at LPL Financial and has also been involved in academic roles at Monmouth University and Great Oak High School. Morgan Stanley Wealth Management offers a range of advisory programs for individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers both direct and employer-sponsored financial planning services.

Christopher J. Hobbs is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management. With over 30 years of experience in the financial services industry, he began his career at Edward Jones before joining Merrill Lynch in 1995. He provides Premier Wealth Management services to families, businesses, and corporate executives, utilizing the firm's extensive tools and resources to guide clients through all aspects of their financial lives. His approach focuses on addressing unique client situations with consistent, disciplined, and coordinated strategies that consider both long-term and short-term financial needs. Chris offers a broad range of services including investment and banking management, liability management, tax minimization strategies, estate planning, wealth transfer, college planning, and Rule 10b5-1 planning. He holds a Personal Investment Advisor (PIA) designation and earned his bachelor's degree from San Diego State University. His client focus includes areas such as college education planning, corporate executive services, equity compensation, retirement planning, portfolio management, and tax minimization. Beyond his professional work, Chris is involved in community activities and has volunteered and coached for several youth sports organizations in La Jolla. He has served on the board of the Foundation of La Jolla High School and the Coggan Family Aquatic Complex. In his free time, he enjoys mountain biking, skiing and snowboarding, fishing, and core training. Chris resides in La Jolla with his wife Colleen and their two children, Karynn and Connor.

Leslie Castillo is a CFP® with 20 years of experience in the financial services industry. Currently with Wells Fargo Advisors, Leslie has previously worked at firms including LPL Financial, Mariner Independent Advisor Network, and D.A. Davidson & Co. Outside of traditional advisory roles, Leslie is involved with several business activities including an independent investment advisory firm, Mariner Independent Advisor Network. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad planning menu covering areas such as retirement, education, and business-owner transition planning, using proprietary research and tools to develop tailored client recommendations.

Tom Nicholl is a financial advisor at Edward Jones with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he worked in the automotive industry with Mercedes Benz of San Diego and Sunroad Automotive. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory and investment services, supported by a large nationwide network of financial advisors and branch offices. The firm offers various managed strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

William Kim is a financial advisor with Cetera and holds Series 63 and Series 66 licenses, bringing 14 years of industry experience. He has worked at firms including Morgan Stanley, JPMorgan Chase, and Securian Financial Services. Outside of his advisory role, Kim serves as secretary of the Korean American Coalition San Diego and as an elected board member of the Construction Financial Management Association’s San Diego Chapter. Cetera Investment Advisers LLC provides investment advisory services through a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across a variety of program structures.

Alexander Broughton is a financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A., Hach - A Danaher Company, Equipment Depot - A Mitsubishi Company, Exterran, and Pentair. Outside of his advisory role, he serves as a power of attorney for his parents. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individual and high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

J Essman is a financial advisor with Mass Mutual Investors Services in San Diego, CA, holding the ChFC® designation with 28 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities, Inc. and Metropolitan Life Insurance Co. from 2007 to 2017. Mass Mutual Investors Services 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, and educational seminars, using firm-approved tools to deliver written recommendations through annual collaborative planning engagements.

Hernan Diaz is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and also has experience at JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities provides institutional consulting services including asset allocation advice, investment manager searches, and customized performance reporting to corporations, foundations, and defined contribution plan sponsors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, offering advisory services alongside affiliated brokerage and investment management capabilities.

Jason Samuelsen is a financial advisor with Edward Jones in San Diego, CA, holding a Series 66 designation. He has been with Edward Jones since 2025 and has prior experience at STN Digital, Evolytics, American Century Investments, Sporting Kansas City, and Bowling Green State University. Outside of advisory work, he manages a rental property in Kansas City, MO. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of investment strategies, tax-efficient services, and affiliated financial products through a large national network of advisors and branch offices.

John Miller is a financial advisor at Ameriprise Financial Services with nine years of industry experience. He holds the Series 66 designation and has been with Ameriprise since 2017, including roles at both Ameriprise Financial Services, Inc. and Ameriprise Financial Services, LLC. Prior to his advisory career, he spent four years at Virginia Tech. Ameriprise Financial Services is a large, diversified firm serving both individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides tailored retirement planning advice based on in-depth analysis and tax-aware strategies.

Yi Lu is a financial advisor at UBS Financial Services with a Series 66 designation and four years of industry experience. He has been with UBS since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to client goals.

Rodrigo Ramos is a financial advisor at UBS Financial Services with 23 years of industry experience. He has worked at UBS since 2010 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Michael Zeiger is a financial advisor with Cetera based in San Diego, CA, holding Series 63 and Series 65 licenses and with 23 years of industry experience. He has been affiliated with Cetera and its affiliates since 2015. Outside of advisory work, he is involved as an insurance agent selling fixed insurance products and also prepares taxes part-time. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform that includes affiliated and third-party model portfolios and bespoke strategies.

Joseph Campano is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2010, following a 16-year tenure at Merrill. Morgan Stanley Wealth Management provides investment advisory and broker-dealer services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers a range of advisory programs including estate planning and corporate financial planning agreements.

Richard Cerruti is a financial advisor with Fidelity in San Diego, CA, holding Series 65 and Series 63 licenses and bringing 12 years of industry experience. His prior roles include positions at TD Ameritrade, Citigroup, and BancWest Investment Services. Outside of his advisory work, he has served as a tennis coach at De La Salle High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a broad client base, including retail and institutional investors, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction across funds and managed accounts.