William Lara is a financial advisor at Wells Fargo Clearing with 14 years of industry experience. He holds a Series 63 designation and has been with Wells Fargo in various capacities since 2005. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Spencer Lewis is a financial advisor with LPL Financial in San Diego, CA. He holds the Series 66 designation and has 18 years of industry experience, including 20 years at LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Matthew Hall is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 license. He joined Morgan Stanley in 2025 and has prior experience in vacation rental management and education, having worked at Mission Sands Vacation Rentals and several schools. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery processes and firm-approved tools.

Coley Davis III is a financial advisor at OSAIC with 38 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at firms including Securities America Advisors, Cooper McManus, and VOYA Financial Advisors. He is also president of CB Financial Ins Services Inc., which provides fixed insurance sales and investment-related services. OSAIC Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm’s investment process employs model-based asset allocation and portfolio optimization, supported by various tools and strategies, and is notable for its scale, affiliate network, and private-equity ownership.

Christine Dellacato is a financial advisor at Cetera with 37 years of industry experience. She holds Series 63 and Series 65 registrations and has worked with firms including LPL Financial and Summit Financial Networks. Dellacato is a board member of the East County Family Y, where she participates in monthly management meetings. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, ERISA retirement services, and access to third-party money managers.

David Winter is a financial advisor with J.P. Morgan Securities who holds a Series 66 designation and has 10 years of industry experience. He has worked with J.P. Morgan Securities since 2017 and has been a self-employed musician and instructor with Blue Fever since 2009. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative screening and qualitative research to build model asset allocations, with capabilities including derivatives and commodities.

Adam Talman is a financial advisor with Edward Jones in San Diego, CA. He holds the Series 66 designation and has been with Edward Jones since 2026. Prior to joining Edward Jones, he worked at Paychex and held various positions across multiple industries. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of advisory strategies, alongside affiliated mutual funds and tax-efficient services.

James Kwei is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. He is based in La Jolla, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning services that incorporate firm-approved tools and methodologies to model potential outcomes.

Julie Reid is a financial advisor with Edward Jones in San Diego, CA, holding CFP® and ChFC® designations as well as the Series 66 license. She has seven years of industry experience, including roles at Bird Rides Inc and the American Lung Association before joining Edward Jones in 2019. Outside of her advisory work, she is a co-owner of a property rental LLC. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management and a network of approximately 23,701 advisors. The firm offers a range of advisory programs, including wrap fee strategies and separately managed accounts, and operates under a fiduciary standard.

Jose Cetale is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His career includes roles at Morgan Stanley Private Bank, N.A., Morgan Stanley Smith Barney LLC, and Wells Fargo Clearing and Investments. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning that incorporate structured discovery conversations and firm‑approved tools. The firm manages approximately $2.74 trillion in client assets and offers services through Financial Advisors and its Estate Planning Strategies Group.

Nadin Toma is a financial advisor with J.P. Morgan Securities in El Cajon, California, holding Series 63 and Series 66 licenses and 13 years of industry experience. In addition to his financial advisory role, he is involved as an owner and partner in a family-owned jewelry store, contributing to customer service and social media efforts on weekends and afternoons. 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 non-discretionary program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting supported by centralized due diligence and a blend of quantitative and qualitative research.

Emerald Jimenez is a financial advisor at LPL Financial in San Diego, CA, with nine years at the firm and three years of industry experience. Prior to joining LPL Financial, she worked at Victoria's Secret for two years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to third-party asset management, supported by a large network of investment adviser representatives.

Ray Garnica is a financial advisor at Morgan Stanley with 20 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney since 2010, including time with the Morgan Stanley Private Bank, National Association since 2015. 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 combines structured planning tools with investment insights from its Global Investment Committee.

David Harrison is a CFP® with 38 years of industry experience, currently advising at Wells Fargo Clearing since 2016. He previously worked at Prudential Equity Group, LLC for nine years. He holds Series 63 and Series 65 licenses and acts as a power of attorney for his spouse in an unrelated capacity. 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.

Reinna Gabriel is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and one year of industry experience. Her prior work includes roles with Merrill and involvement in athletics and academic activities at Cornell University. 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, pension plans, corporations, and charitable organizations.

Stephen Mcnally is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 66, Series 63, and Series 65 licenses and seven years of industry experience. His prior work includes roles at Wells Fargo Bank and SRM Capital Management, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research and analytics to guide investment decisions, offering both discretionary and non-discretionary retirement plan services.

Kyle Hodges is a CFP® professional with 30 years of experience in the financial services industry. He is currently affiliated with LPL Financial and California Bank & Trust, where he has worked since 2015. His prior roles include positions at Zions Capital Advisors, U.S. Bancorp Investments, and Principal Financial Services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers, supported by technology tools and a broad network of over 25,000 advisors.

Guillermo Espinoza is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and bringing nine years of industry experience. His career includes roles at LPL Financial and Independent Financial Group, LLC prior to joining Cetera Investment Advisers in 2025. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of over 10,000 independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, operating a multi-manager platform with discretionary and non-discretionary program options.

Shari Miller is a financial advisor with LPL Financial in La Jolla, CA, holding a Series 63 designation and 38 years of industry experience. She has been with LPL Financial since 1992. Outside of her advisory role, she is involved with Sun Marine Holdings, a business entity related to yacht ownership for tax and investment purposes. 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, including financial planning and access to model portfolios and third-party asset management, supported by operational tools such as machine learning for research and advisor support.

James Grandinetti is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and 25 years of industry experience. He worked for Gurtin Fixed Income Management, LLC for 14 years before joining Cetera and its affiliated entities in 2022. Cetera Investment Advisers LLC operates a multi-manager platform serving individuals, retirement plans, corporate, charitable, and institutional clients through a network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing both affiliated and third-party managers across various program structures.