Monette Marino is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has been part of the Buchanan/Sims/Essick/Marino & Associates Team since 2012. She works alongside her mother, Julie Buchanan, and focuses on portfolio strategy, asset allocation, retirement planning including 401k and IRA services, estate planning, charitable giving, home refinancing, and custom lending (NMLS#1073810). Ms. Marino and her team collaborate with Specialists across business lines within Bank of America banking services and Merrill Lynch Wealth Management to provide clients with enhanced services and recommendations. Ms. Marino has over 50 years of combined team experience and brings with her 20 years of experience as the CEO of a non-profit arts corporation and as the owner of a music production company in San Diego. She holds a Bachelor's Degree from the University of California system and a Master's Degree from the California State University system. Additionally, she speaks English, French, and Italian fluently. She holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ms. Marino is involved with the Mo'Rhythm School of Percussion and the community organization SPOT Saving Pets One at a Time. She is a third-generation native of San Diego.

Michael Bacci is a financial advisor at LPL Financial with 27 years of industry experience. He has held roles at Wealth Management Concepts, Inc., Royal Alliance Associates, and currently operates Bacci Investments Group, Inc. Outside of advising, he is employed at United Christian Youth Camp in Prescott, Arizona. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, supported by both discretionary and non-discretionary management and a variety of model portfolios and research resources.

Peter Huffman is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2008. He specializes in comprehensive wealth management with a focus on Behavioral Finance and how financial and investment decisions affect individuals and families. His expertise encompasses family wealth management strategies, philanthropic planning, socially responsible investing, and liquidity management among other areas. Before joining Merrill Lynch, Peter spent five years in Africa and Asia working in managerial roles for the Clinton Health Access Initiative (CHAI), including serving as Country Director for Ethiopia where he managed one of the largest HIV/AIDS care and treatment programs worldwide. He also acted as the principal liaison for official visits by former President William J. Clinton to Africa. Peter is engaged in philanthropy through board service and co-founding a nonprofit focused on youth empowerment and health services in South Africa and Ghana. Peter holds a bachelor's degree in psychology from Willamette University in Salem, Oregon and is a Personal Investment Advisor. He has been recognized as a Top 1200 Financial Advisor by Barron's, a Best in State Wealth Advisor by Forbes, and included in On Wall Street's Top 40 Under 40. Peter lives with his wife and their two children.

Andrew Null is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity Investments since 2013, progressing through various roles including Financial Consultant, Investment Consultant, Investment Solutions Representative, and Service Trader. Throughout his career, Andrew has focused on assisting clients in achieving their financial goals while helping them avoid common pitfalls. He holds a California Insurance License, which supports his work in providing comprehensive financial advice. Andrew is committed to building trust and confidence with his clients as he guides them through their financial planning journeys.

Samuel Bever is a financial advisor with Raymond James & Associates, holding a Series 66 designation and ten years of industry experience. His career includes roles at Merrill, Forge Markets LLC, and Raymond James, where he has worked since 2020. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and consulting with a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Rufino Autus is a financial advisor with Equitable Advisors, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He previously worked for E*Trade Securities LLC and E*TRADE Capital Management, LLC from 2013 to 2023. Autus also serves as a trustee for his own family trust. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on client goals, risk tolerance, and time horizon.

David Foster is a financial advisor at LPL Financial with 38 years of industry experience. He holds Series 63 and Series 66 designations and has previously worked with Cuna Mutual Group, Cuna Brokerage Services, Southland Credit Union, and University & State Employees Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by research and a variety of portfolio strategies.

Bryan Plank is a Wealth Management Advisor with Merrill Lynch Wealth Management, bringing 35 years of experience to his role. Born in Queens, New York, he has been part of a team serving clients in California for over four decades. Bryan specializes in family wealth management strategies, personal retirement planning, portfolio management services, and retirement income. He holds a Bachelor’s Degree from the University of Southern California and a Professional Investment Advisor (PIA) designation. Bryan emphasizes creating personalized financial strategies that align with clients’ long-term goals, offering access to the investment insights of Merrill and the banking and lending solutions of Bank of America. Committed to community involvement, he participates in local volunteer activities in keeping with Merrill’s tradition. Outside of work, Bryan enjoys gardening, music, and writing.

Jose Trevino is a financial advisor at Edward Jones with 33 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Trevino has been with Edward Jones since 1992. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of investment advisory programs and affiliated financial services through a large nationwide network of advisors and branch offices.

Lawrence Andrews Jr. is a CFP®-certified financial advisor with over 41 years of industry experience. He is currently with Morgan Stanley in La Jolla, CA, having previously worked at City National Bank and RBC Capital Markets LLC. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets through a structured discovery process and advanced planning tools.

Hue Simone is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and five years of industry experience. Prior to joining LPL Financial in 2018, they held positions at B of I Federal Bank and Amazon Prime Now, and worked at the University of San Diego. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Marisa Clayton is a financial advisor with Wells Fargo Clearing in La Jolla, CA, holding a Series 66 designation and 24 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2011 to 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Christina Cleveland is a financial advisor at LPL Financial with 13 years of industry experience. She holds a Series 66 designation and previously worked for Lincoln Financial Securities for nine years. Outside of her advisory role, Cleveland is also active as an administrative representative at SDIS, Inc., and serves as an administrative assistant for Piano Financial & Insurance Services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, supported by model portfolios, third-party research, and various investment strategies.

Allison Wong is a financial advisor with Merrill in Rancho Santa Fe, CA, holding a Series 66 designation and seven years of industry experience. She has been with Bank of America and Merrill since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Chelsea Newell is a CFP® professional with six years of industry experience, currently an advisor at Osaic Wealth, Inc. She has held roles at several firms, including Woodbury Financial Services and Northwestern Mutual. Outside of financial advising, she is active as a social media influencer, creating content related to lifestyle products and venues. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management across multiple investment types.

Mazen Abifaker is currently serving as a Vice President Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2022. In this capacity, he collaborates with multi-generational families to co-create personalized wealth plans aimed at growing, preserving, and transferring their wealth. Mazen has been with Fidelity Investments since 2010, progressing through various roles including Financial Consultant and Investment Consultant, which has provided him with extensive experience in financial advisory and wealth management. Prior to joining Fidelity, he worked as a Bank Teller at Wells Fargo Bank from 2009 to 2010. He holds a California Insurance License, underlining his professional qualifications in the financial services sector.

William Mc Gowan is a financial advisor with Charles Schwab, holding a Series 66 license and six years of industry experience. His prior work includes roles at P&G, Macy's Inc., and Indiana University before joining Charles Schwab and Co., Inc. and Charles Schwab Bank, SSB. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering brokerage, custody, and advisory services through its Schwab Wealth Advisory wrap fee program. The firm’s model combines non-discretionary advisory services with access to affiliated discretionary separately managed accounts and uses multi-asset model portfolios supported by extensive research and due diligence.

Kevin McBarron is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and has 41 years of industry experience. He has previously worked with Union Capital Company for 10 years and is currently associated with Wealth Planners, Inc. alongside his role at LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning, advisory programs, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and various investment strategies.

Rene Gonzalez is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has previously worked at Bank of America, N.A. and Lending Club. Merrill, along 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 for a range of clients, including individuals, high-net-worth clients, and pension plans.

Trent Seybold is a CFP® and CFA® with seven years of experience in the financial industry. He is currently with LPL Financial and has prior experience at OSAIC, FSC Securities Corporation, and Marangola Financial Group. Outside of advisory work, he prepares taxes as part of his role at Marangola Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a wide range of advisory programs, financial planning services, and access to model portfolios and research from multiple sources.