Eric Wasmuth is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in helping clients achieve financial confidence through a disciplined and tax-efficient approach to portfolio management, as well as by assisting with wealth transition strategies designed to pass on legacy assets to the next generation. Eric’s expertise includes college education planning, divorce transition planning, family wealth management strategies, employee financial health, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and tax minimization. He holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Eric earned his bachelor’s degree from the University of California System. Outside of his professional duties, Eric enjoys boxing, camping, golfing, swimming, tennis, and spending time with his family. His approach to wealth management centers on understanding clients’ life priorities to create personalized plans tailored to their goals and aspirations.

Peter Fink is a CFP® professional with 62 years of industry experience, currently serving as a financial advisor at LPL Financial since 2021. His prior experience includes roles at Lumena Financial Strategies, Inc., Waddell & Reed, Inc., and various insurance carriers. He has served on the Board of Governors at City of Hope since 1997 and has been involved with AYSO as a soccer referee and instructor since 1975. 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 range of financial planning and investment solutions through a large network of investment adviser representatives using diverse strategies and technology tools.

Michael Anderson is a CFA® charterholder and holds a Series 66 license with 15 years of industry experience. He has worked at UBS Financial Services since 2021 and previously spent nine years at Robert Baird & Co. 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 supports its advisors with proprietary research and model-based asset allocations.

Mark Nussbaum is a CFP® with 34 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, Nussbaum is involved with several community organizations, including serving on the Impact Investing Subcommittee of the Jewish Community Foundation of San Diego and the Endowment Committee of Congregation Dor Hadash. He also participates on the investment committee of Reconstructing Judaism-Reconstructionist Rabbinical College. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Malik Olatunde is a financial advisor at Fidelity with Series 63 and Series 65 licenses and one year of industry experience. His prior work includes roles at Northwestern Mutual and Guaranty Trust Bank Plc. He previously managed a business, MBOLAT Properties Inc, from 2020 to 2025. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a systematic investment process that combines fundamental research with quantitative analysis and algorithmic portfolio construction.

Keith Sippy is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 63 designation and 32 years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009 and previously at Citigroup Global Markets. Outside of his advisory role, he serves as an offensive line coach for Cathedral Catholic High School's football team. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and a range of investment services supported by firm-approved tools and models.

Thania Sotelo is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. Her prior work includes positions at Bank of America and Prospera Financial. Outside of advising, she owns and manages two small businesses: an e-commerce company and a photo booth and 360 video service for events. 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, offering model-based and discretionary investment strategies for a range of individual and institutional clients.

Anne Summers is a financial advisor at Cetera with 11 years of industry experience and holds a Series 66 designation. She has worked at multiple Cetera entities since 2018 and held roles at First Allied Securities and Ameriprise Financial Services. Summers serves as a board member of the Coronado Alano Club, a nonprofit organization. Cetera Investment Advisers LLC is a large SEC-registered firm supporting over 10,000 advisors and approximately 800,000 clients with a range of portfolio management, financial planning, and retirement services. The firm offers multiple program structures and access to both affiliated and third-party managers across discretionary and non-discretionary accounts.

Ronald Ceniceroz is a financial advisor at OSAIC with 32 years of industry experience. He holds Series 63 and Series 66 licenses and has worked with Integrated Wealth Strategies Inc. and Securities America, Inc. He also owns an insurance business focused on medical insurance sales. OSAIC serves a diverse range of clients, including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and automated rebalancing to manage portfolios across various asset classes.

Faye Floyd is a financial advisor at Morgan Stanley in La Jolla, California, with 15 years of industry experience. She holds the Series 66 designation and has worked at Morgan Stanley since 2017, following prior roles at Wells Fargo Clearing and Wells Fargo Advisors. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services through a structured planning process without individual security recommendations as part of standalone plans.

Jesus Estrada Jr. is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. He has worked at Wells Fargo Advisors, LLC from 2007 to 2016 before joining Wells Fargo Clearing, where he has been since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. Their approach is IPS-driven and grounded in modern portfolio theory, with notable inclusion of insurance-related vehicles and bank deposit sweep options within their investment menus.

Douglas McPherson is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management. He is also a Portfolio Manager within the firm. Douglas began his career as a financial advisor in 1992 and co-founded The McPherson Ridgway Group in 2007, which joined Merrill Lynch Wealth Management in 2012. Douglas holds a Bachelor of Arts degree in Chemistry from the University of Vermont, earned in 1987, and is a CERTIFIED FINANCIAL PLANNER™ professional. He focuses on developing strategies and solutions for high net-worth individuals, their families, and businesses, helping them achieve their financial goals based on risk tolerance, time horizon, liquidity needs, and overall investment objectives. He has served on the boards of the Greater San Diego Business Association and the Trust & Estate Committee of Children’s Hospital San Diego. Douglas also has been involved in fundraising efforts for the San Diego LGBT Community Center and the Lambda Legal San Diego Chapter. He and his spouse live in the University Heights neighborhood of San Diego, where Douglas enjoys camping, gardening, hiking, music, yoga, and spending time with family.

Tsega Mehary is a financial advisor at Charles Schwab with 31 years of industry experience. She holds the Series 65 and Series 63 credentials and has worked at Charles Schwab & Co., Inc. since 2023, following a 25-year tenure at TD Ameritrade Inc. 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 a mix of non-discretionary and discretionary advisory solutions supported by multi-asset model portfolios, centralized custody, and a formal alternative-investment onboarding process.

Brian Harris is a financial advisor at Merrill with 18 years of industry experience and holds a Series 66 designation. He has been with Merrill since 2008 and also associated with Bank of America since 2009. Harris serves as an advisory board member for the Arizona Council on Economic Education, a charitable organization focused on economic education. 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, and institutional investors.

Kris Iverson is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 designations and bringing 22 years of industry experience. He worked at Edward Jones for three years before joining LPL Financial in 2010. Iverson operates under the DBA Kris Iverson, 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, including financial planning, model portfolio programs, and institutional platforms, supporting advisors with advanced research tools while overseeing over $819 billion in discretionary assets.

Dilip Gupta is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 credentials and bringing 38 years of industry experience. He has been with Wells Fargo Advisors and its affiliates since 2009. Outside of his advisory role, he owns and serves as a trustee for San Diego Advisors, Inc., where he facilitates practice activities and manages the associated pension plan. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, providing a broad range of investment and financial planning services to individuals, trusts, and institutional clients. The firm offers tailored recommendations supported by proprietary research and planning tools, with optional implementation through brokerage or advisory programs.

Xavier Ortiz Mena is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 26 years of industry experience. He has been with UBS Financial Services since 2010 and with UBS International Inc. since 2006. Outside of his advisory role, Mr. Ortiz Mena is involved in several car and van rental businesses, serving as proprietor and partner in various related companies. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, providing a broad range of investment and capital markets solutions.

Michael Montgomery is a financial advisor with Cetera holding a Series 66 designation and 17 years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank, N.A., as well as Thrivent Investment Management. He is based in El Cajon, CA. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and financial planning services through a multi-manager platform with discretionary and non-discretionary options.

Lori Iaquinta is a financial advisor at Morgan Stanley with 32 years of industry experience. She has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Her credentials include Series 63 and Series 65 registrations. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and analytical models to support its financial planning services.

Mary Collins is a financial advisor with Wells Fargo Clearing in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2010 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary advisory options. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, serving as an ERISA fiduciary and including a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.