James Waddell is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. He is based in La Jolla, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients. The firm’s financial planning process utilizes structured tools and models, delivering tailored plans through its Financial Advisors and Estate Planning Strategies Group.

Mark Hyma is a financial advisor with Cetera, holding a Series 63 credential and bringing 37 years of industry experience. He has served in various roles at firms including Avantax Advisory Services and PFS Wealth Advisors and is also involved in tax preparation and management of commercial rental properties. Hyma is the president of PFS Wealth Advisors, Inc. and the CEO of PFS Acq Corporation, which oversees financial services acquisitions. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors and serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with both discretionary and non-discretionary program structures.

Damian Olivas is a financial advisor with Merrill based in San Diego, CA. He holds the Series 66 designation and has 23 years of industry experience. He has been with Merrill since 1994. 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 model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Kyle Schmidt is a Financial Consultant at Fidelity Investments, where he assists clients in constructing customized financial plans tailored to their individual financial goals. He focuses on creating trusted relationships to help clients navigate everyday financial challenges and make sound investment decisions. Kyle has held several roles in the financial industry, including positions at Fidelity Investments and Natixis Investment Managers, LLC. His experience spans from investment consulting to regional directorship, reflecting a depth of knowledge in financial planning and investment management. He holds a California Insurance License. Outside of his professional work, Kyle enjoys activities such as the beach, concerts, fitness, social events, golf, and traveling.

Masha Efros is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 credential and 16 years of industry experience. She previously worked at UBS Financial Services before joining Morgan Stanley in 2017. Outside of her advisory role, she serves as Treasurer and Finance Committee Board Member for the San Diego Cooperative Preschool. Morgan Stanley Wealth Management provides a wide range of advisory programs to individual and institutional clients, offering tailored financial planning supported by firm-approved tools and strategies. The firm manages approximately $2.74 trillion in client assets and delivers services through financial advisors and specialized planning groups.

Michelle Hollaender is a financial advisor with UBS Financial Services in La Jolla, CA, holding Series 63, 65, and 66 licenses and bringing 25 years of industry experience. Her career includes over a decade at UBS and a prior role at Merrill. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, leveraging proprietary research and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Michael Faltico is a CFP® professional with 22 years of industry experience, currently serving at Cetera since 2021. His prior experience includes roles at Voya Financial Advisors and LifePro Financial Services. He is also treasurer of the Point Loma High School Boys Basketball Booster Board. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary options.

Steven Ford is a Senior Financial Advisor at Merrill Lynch Wealth Management. He specializes in offering a comprehensive approach to managing wealth that begins with understanding a client's financial situation and priorities. Steven helps clients create customized wealth management strategies that are adaptable to changing needs and market conditions. He provides access to Merrill's investment insights as well as Bank of America's banking and lending services to support various aspects of clients' financial lives. Steven has over ten years of experience at Merrill Lynch following a career as an IMAX cameraman. During this time, he has developed expertise in serving endowments, foundations, and non-profits; legacy planning; managing new wealth; portfolio management; tax minimization; and retirement income. He holds a Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from San Francisco State University. Outside of his professional work, Steven is active in community organizations, including the Solana Beach Little League and Solana Beach Soccer Club. He has also been involved as a coach and board member in youth sports. His personal interests include surfing, mountain biking, tennis, chess, fishing, golfing, hiking, music, photography, skiing, swimming, and spending time with his family.

Gina Scafani is a financial advisor at LPL Enterprise with a Series 66 designation and two years of industry experience. Prior to joining LPL Enterprise, she was associated with The Prudential Insurance Company of America and Pruco Securities LLC. Outside of financial services, she teaches yoga classes and supports new instructors at CorePower Yoga, a role she has held since 2013. LPL Enterprise provides investment advisory and brokerage services to a diverse client base including individual and high-net-worth investors, retirement plans, banks, and charitable entities. The firm employs a model-driven investment approach using portfolios developed by LPL’s Research Department and third-party strategists, and it offers financial planning, access to third-party asset managers, and participation in wrap programs.

Miles Fleming is a financial advisor at LPL Financial with 11 years of industry experience. He holds a Series 66 designation and has worked at LPL Financial since 2021. Prior to joining LPL, he was involved with various organizations including the Rotary Club of Del Mar and the San Diego Council on Aging. 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, model portfolio programs, third-party asset management, and institutional platforms.

Kevin Christensen is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and over 15 years of industry experience. He previously worked at Overland & Shanahan from 2016 to 2020 and has been with LPL Financial since 2008. Outside of his advisory role, Christensen is involved with Align Planning LLC, a business entity used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory services including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by advanced operational tools and a large network of investment adviser representatives.

Lacy Rutter is a Series 66 licensed financial advisor with UBS Financial Services in La Jolla, CA, beginning in 2024. Prior to joining UBS, Rutter held roles at the San Diego Humane Society and the Helen Woodward Animal Center. She also worked at Geppetto's Toys for four years. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services and a research-driven investment approach.

Salvador Guzman is a financial advisor at Cetera with one year of industry experience and holds the Series 66 designation. Prior to joining Cetera, he worked at E.W. Scripps and has been involved in the entertainment industry as a disc jockey and MC with Epic Entertainment and Almost Famous Entertainment. Outside of his advisory role, he is active in event entertainment, providing DJ and MC services for weddings and events. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a broad network of independent advisors. The firm offers a range of portfolio management strategies and financial planning services using multiple program platforms and a variety of discretionary authorities.

Nicholas Ng is a financial advisor with LPL Enterprise and holds a Series 66 designation. He has less than one year of industry experience. His prior work background includes roles at Carlsbad Tax, Tami J. Dunham, CPA, and Whipt Bakery. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate and charitable entities. The firm’s investment implementation typically follows model-driven portfolios developed by internal and third-party strategists, with a notable focus on financial planning, third-party asset manager access, and affiliated non-securities products and services.

Britt Stephens is a Series 66 licensed financial advisor with 16 years of industry experience, currently with LPL Financial since 2021. She has held roles at various insurance carriers, Employer Services Group, Lumena Financial Strategies, Inc., and Waddell & Reed Inc. Stephens operates a DBA related to her LPL business under Lumena Financial Strategies, Inc. 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 services including financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory solutions with extensive non-advisory financial activities.

Aaron Herrscher is a financial advisor at Fidelity with Series 63 and Series 65 credentials and six years of industry experience. Prior to joining Fidelity in 2025, he worked at Financial Sense Wealth Management for five years and held positions at Sage Stone Wealth Management and Salient Wealth Planning. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and IRS-qualified Charitable Gift Funds. The firm combines proprietary fundamental research with quantitative analysis and algorithmic portfolio construction, and it serves a range of clients through discretionary and non-discretionary advisory services.

Darrel Madison is a CFP® professional with 27 years of experience in the financial services industry. He has worked at Wells Fargo Advisors LLC and its affiliate Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, retirement plan consulting, and wrap-fee programs to individual, corporate, and institutional clients. The firm offers both brokerage and advisory solutions, managing approximately $671 billion in assets through a network of over 14,000 financial advisors.

William Corder is a financial advisor at Raymond James Financial with 20 years of industry experience. He previously worked at Manning Wealth Management, Inc. for 12 years and Commonwealth Financial Network for 15 years. He is also the Chief Operating Officer of The Manning Companies, a support company based in San Diego. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and consulting using risk profiling and analytical tools, and supports its clients through various advisory programs and institutional consulting.

Michael Donaldson is a financial advisor at Charles Schwab with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Charles Schwab and Co., Inc. since 2022, following an eight-year tenure at TD Ameritrade Inc. 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 alongside discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative-investment onboarding process.

Tyler Tong is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. He has worked at LPL Financial since 2018 and previously held roles at James Haug, Nina Peles Inc, East Village Tax, various insurance carriers, and Waddell & Reed. Outside of advisory work, he is the owner of East Village Tax and serves as a quality review lead at Intuit in tax preparation and accounting. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, and institutions. The firm supports a wide range of investment approaches and integrates various operational and research tools while overseeing substantial discretionary assets and a large advisor network.