Mark Allen is a Planning Consultant within the Wealth Management Team at Fidelity Investments, a role he has held since 2025. He works closely with clients to develop financial strategies tailored to their individual situations, emphasizing trust and openness throughout the process. Prior to this, Mark served as a Relationship Manager at Fidelity Investments from 2024 to 2025 and began his career there as a Financial Representative in 2023. Mark holds a California Insurance License, supporting his expertise in financial planning and client advisory services. Outside of his professional work, he has interests in cars, fitness, gardening, motorcycles, pets, and tennis.

Olivia Zuniga is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and four years of industry experience. She previously worked at Jackson Hewitt and has been with Merrill since 2020. Olivia serves as secretary on the board of the Monte Vista High School PTSA. 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 a range of model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jeffrey Morgan is a financial advisor at LPL Financial with two years of industry experience. He holds a Series 65 designation and has previously worked at Cetera and Avantax Advisory Services. In addition to his advisory role, he serves as a Tax Manager at Stern, Kory, Sreden and Morgan, an accountancy corporation, where he manages tax preparation, financial statement preparation, and tax planning. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plan participants, banks, and institutions. The firm supports its network of over 22,800 advisors with model portfolios, third-party asset management, and a variety of investment strategies across discretionary and non-discretionary accounts.

Dan Surette is a Planning Consultant at Fidelity Investments, where he collaborates closely with Wealth Management Teams to develop and implement financial plans tailored to clients' goals, values, and financial needs. In this role, he partners with advisors to address client priorities throughout their relationship with the team. Dan has been with Fidelity Investments since 2023, progressing through roles including Financial Representative and Relationship Manager before his current position as Planning Consultant. He holds a California Insurance License. Outside of his professional work, Dan enjoys activities such as beach outings, football, golf, movies, snowboarding, and traveling.

David Mcquade is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and 28 years of industry experience. He previously worked at Northwestern Mutual Investment Management and Northwestern Mutual Life Insurance Company for 22 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 provides a range of advisory and brokerage services, including financial planning and access to third-party asset management programs, supported by extensive operational and research tools.

Victor Galvez is an International Wealth Advisor and Portfolio Manager at Merrill Lynch Wealth Management. He specializes in serving ultra high net worth clients, providing personalized wealth management and investment planning services with a focus on international wealth management, family wealth strategies, and retirement planning. Victor holds a Bachelor's Degree from the University of San Diego and holds professional designations including Certified Private Wealth Advisor (CPWA) and Personal Investment Advisor (PIA). His expertise encompasses areas such as philanthropic planning, socially responsible and values-based investing, and tax minimization. He is active in the industry through roles such as Chair of the International Wealth Advisor Advisory Council To Management in 2022, and participation in the Hispanic Latino Advisory Council and Hispanic Latino Business Council in San Diego. Outside of his professional responsibilities, Victor enjoys antiquing, biking, boating, golfing, hiking, running, scuba diving, skiing, yoga, and spending time with his family.

Eric Runyon is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 65 and Series 63 licenses and seven years of industry experience. His career includes roles at firms such as JPMorgan Chase Bank, New York Life Insurance Company, and Western & Southern Life. He serves as a volunteer board member for the San Diego Rancho La Cresta Homeowners Association. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm uses research and analytics to guide portfolio management and offers a range of brokerage and advisory solutions.

Ivan Jones is a financial advisor at LPL Enterprise with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at multiple financial services firms including Prudential Insurance Company of America and Guardian Life. Outside of finance, Jones is involved in virtual fitness coaching and works as an Uber driver. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors as well as institutional clients. The firm employs a model-driven investment approach and offers financial planning, access to third-party asset managers, and insurance products through affiliated entities.

Ryan Campbell is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding a Series 66 designation and one year of industry experience. His prior roles include positions at JPMORGAN Chase Bank, N.A., Gap Inc., First Republic Bank, Wells Fargo Bank, and Hobie Surf Shop. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process utilizes centralized due diligence combining quantitative screening and qualitative research to develop model asset allocations.

Madeleine Ennis is a financial advisor at Fidelity with Series 66 and Series 63 licenses and two years of industry experience. Prior to joining Fidelity, her work history includes roles at educational institutions such as Villanova University and Roland Park Country School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and advisory services.

Ahmed Elkaray is a Financial Advisor at Merrill Lynch Wealth Management. He focuses on providing personalized financial advice and guidance designed to help clients achieve their financial goals. Ahmed assists individuals and families in areas such as retirement planning, wealth growth, education planning, and navigating significant financial decisions. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation, the Chartered Retirement Planning Counselor (CRPC) certification, and the Personal Investment Advisor (PIA) credential. Ahmed earned a Bachelor's Degree from Cairo University and a Master of Business Administration (MBA) from Lincoln University. He is fluent in both English and Arabic. Outside of his professional work, Ahmed enjoys golfing, hiking, reading, soccer, traveling, and spending time with his family.

Michael Bradshaw is a financial advisor at Raymond James & Associates with 52 years of industry experience. He previously worked at Merrill for 45 years and Bank of America for 12 years. Bradshaw holds Series 63 and Series 65 licenses and is based in San Diego, CA. Raymond James & Associates, Inc. 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, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Jana Gingerich is a financial advisor at LPL Financial with 11 years of industry experience. She holds the ChFC® designation and Series 66 license. Her prior experience includes roles at Ameriprise Financial Services, Inc., Wells Fargo Clearing, and RBC Capital Markets. Outside of her advisory work, she is also a licensed notary. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm supports a range of clients, including individuals and institutions, offering financial planning, model portfolios, third-party asset management, and participant-level retirement advice, with a focus on combining operational tools and oversight across extensive financial services.

Dustin Grimm is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2016. He has been with Fidelity for over a decade, working in various capacities including Financial Consultant, Investments Representative, and Financial Representative. Prior to joining Fidelity, he worked as a Personal Banker at Bank of America from 2006 to 2008. Dustin's experience spans wealth planning and working with clients and families in diverse financial situations. He holds a California Insurance License, supporting his work in financial consulting and planning. He is committed to helping clients pursue their financial goals through comprehensive wealth planning services.

Joseph Morse II is a CFP® professional with 33 years of experience in the financial industry. He has worked at LPL Financial since 2019 and previously held roles at Wells Fargo Advisors Financial Network LLC and Citigroup Global Markets. He also operates a wealth management business affiliated with his LPL practice in La Mesa, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Julio Olague is a Series 66-licensed financial advisor with LPL Financial in San Diego, CA, with five years of industry experience. He has worked at LPL Financial since 2018, following positions at Aerotek and Allstate. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Eric Hutz is a Senior Financial Advisor and Vice President at Merrill Lynch Wealth Management, bringing over 25 years of experience in the financial services industry. He began his career in 1999 in retail banking, progressing through various frontline and leadership roles including Teller and Branch Manager. His extensive background encompasses loan origination, small business banking, and private client advisory, which provides him with a comprehensive perspective on both personal and business finances. Since becoming a Financial Advisor in 2014, Eric has served clients primarily in the South San Diego market before expanding his practice to support clients across California and nationally. He focuses on detailed financial planning and communication, taking time to understand each client's goals and building personalized financial strategies. His approach emphasizes collaboration and long-term planning. Eric holds a Bachelor's Degree in Economics from the University of California, San Diego, and has earned several professional credentials including Certified Plan Fiduciary Advisor® (CPFA®), Retirement Accredited Financial Advisor (RAFA), Certified Exit Planning Advisor (CEPA®), and Senior Portfolio Advisor in Merrill Lynch's Investment Advisory Program. He is involved with Make-A-Wish San Diego and resides in Chula Vista with his wife and two children. Outside of his professional responsibilities, Eric enjoys practicing yoga, exploring new dining options, traveling internationally, and spending time with his family.

Michael Valentini is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at Bank of America and Merrill Lynch. Outside of his advisory role, Valentini performs occasionally as a bassist with a corporate and wedding band. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

James Nuzzi is a ChFC® credentialed financial advisor with 43 years of industry experience. He is currently with OSAIC and previously worked at Lincoln Financial Advisors Corporation and Hornor, Townsend & Kent, LLC. James also operates Nuzzi Financial Network, providing insurance and investment-related services. OSAIC Wealth serves a diverse client base, including retail investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization supported by various advanced tools and manages accounts through multiple custodial and affiliated entities.

Travis Makings is a financial advisor with LPL Financial in San Diego, CA, holding Series 66 and Series 63 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2011. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions, offering a range of advisory and brokerage services including financial planning and model portfolio programs.