Gavin Holmes is a financial advisor at Morgan Stanley with a Series 66 credential and no prior industry experience. Before joining Morgan Stanley, he worked at RemoteLink Solutions and has experience in educational roles at San Diego State University and High Tech High Chula Vista. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Joshua Rayburn is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2006, he has held various leadership roles within the organization. In his current position, Joshua and his team serve a multi-generational client base consisting of individuals, families, business owners, and executives, providing wealth planning solutions tailored to client goals and circumstances. Joshua’s approach centers on connecting clients to personalized strategies that address their unique ambitions, such as planning for education funding, retirement lifestyle, and potential healthcare costs. His team emphasizes clear and concise advice that considers more than just financial numbers, translating client goals into actionable steps toward desired outcomes. He earned a Bachelor’s Degree from the State University of New York System and a Juris Doctorate from Syracuse University College of Law. Joshua holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). In his role at Merrill, Joshua does not provide legal advice.

Elizabeth Kilmer is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and more than 23 years of industry experience. Her career includes roles at U.S. Bancorp Investments, Merrill, and Bank of America. Kilmer is based in Rancho Santa Fe, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a network of investment adviser representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting various investment strategies and operational tools.

Richard Rojeck is a financial advisor at Osaic Wealth, Inc. with 45 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 27 years before joining Osaic in 2025. Outside of his advisory role, Rojeck is an author and promotes his book through public speaking. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, financial planning, and access to various managed account platforms using a range of asset-allocation tools and third-party solutions.

Bao Truong is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds a Series 66 designation and has been with J.P. Morgan Securities and its affiliated entities since 2019. Outside of his advisory work, he is involved in several other business activities including car rentals and gardening. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Aaron Mulvaney is a financial advisor with Edelman Financial Engines in San Diego, CA. He holds Series 63 and Series 65 licenses and has 31 years of industry experience. He has been with Edelman Financial Engines and its predecessor entities since 2015. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven modeling process combined with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and both discretionary and non-discretionary management options.

Valerie Reyes is an Investment Consultant at Fidelity Investments, where she partners with clients to develop personalized financial plans that align with their goals. She aims to ensure clients feel informed, supported, and empowered to make decisions regarding their financial future. Valerie has held several roles at Fidelity Investments, including Planning Consultant from 2022 to 2025 and Relationship Manager from 2021 to 2022. Prior to joining Fidelity, she worked as a Financial Consultant at LA Pension Planners and Equitable Advisors. She holds a California Insurance License. Outside of work, Valerie enjoys board games, cooking and baking, spending time with pets, Pilates, snowboarding, and traveling.

Anneliese Keil is a financial advisor with Morgan Stanley in San Diego, holding Series 65 and Series 66 licenses and bringing 26 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2011. Outside of her advisory role, she serves on the Kappa Alpha Theta Advisory Board at San Diego State University. 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 investment modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through Financial Advisors and its Estate Planning Strategies Group.

Deborah Muenchow is a financial advisor at Stifel with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2015. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Joseph Eben is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and having 32 years of industry experience. He has been with Primerica Advisors since 1993 and also works with H & R Block since 2013. Outside of advising, he is involved in sales of home security and automation products through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap-fee structure rather than fixed fees.

Jason Theisen is a financial advisor with Cetera, holding Series 66 and Series 63 licenses and 11 years of industry experience. He has worked at Cetera and its affiliate Cetera Investment Services LLC since 2020 and has prior experience with Stratos Wealth Partners and Ibis Capital. Outside of his advisory role, he serves as Registered Practice Operations Coordinator for Pushpin Financial, a Cetera business. Cetera Investment Advisers LLC is an SEC-registered firm that offers portfolio management, financial planning, and retirement services through a nationwide network of independent advisors. The firm serves individual, corporate, charitable, and institutional clients with a range of customizable investment programs and access to third-party managers.

Allan Tentler is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in legacy planning, liquidity management, personal retirement planning, and portfolio management services. He serves clients with a focus on personalized wealth management strategies that align with their values and life goals. Allan emphasizes clear communication and trust as the foundation of his client relationships, providing access to Merrill's investment insights and Bank of America's banking and lending solutions. Born and raised in San Diego, Allan has deep community ties, having graduated from Rancho Bernardo High School and earned a Bachelor's degree in Economics from San Diego State University. He began his advisory practice in 2008, building his business during challenging market conditions by prioritizing client experience. Allan holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his professional work, Allan participates in community volunteer activities in line with Merrill's commitment to local engagement. His personal interests include adventure sports, golf, soccer, surfing, and tennis.

Jairo Servin is a Financial Advisor with Merrill Lynch Wealth Management, specializing in helping individuals, business owners, and families develop strategies to achieve their financial goals. He focuses on areas including college education planning, corporate executive services, employee benefits planning, equity compensation services, personal retirement planning, small business strategies, sports and entertainment, individual and corporate investment strategy, tax minimization, and retirement income. Raised in Salinas, California, Jairo moved to the Bay Area in 2008 and is a graduate of San Francisco State University with a Bachelor of Arts in Sociology. His background as a student athlete has instilled dedication and discipline, qualities he applies in his financial planning career. Since beginning his work in the financial sector in 2019 at Northwestern, Jairo has developed a commitment to connecting with clients and serving as a resource to help them obtain their financial objectives. He holds the Chartered Retirement Planning Counselor™ (CRPC) designation, is Series 7 and 66 FINRA registered, and is a Personal Investment Advisor (PIA). Jairo is bilingual in English and Spanish. In addition to his professional work, Jairo volunteers as a wrestling coach at local high schools. He lives in Belmont with his dog Belfi and enjoys activities such as working out, running, football, hiking, attending concerts, dining out, and walking on the beach.

Joshua Johnson is a financial advisor at Merrill with a Series 66 designation. He joined Merrill in 2025 and has prior experience in mortgage lending, legal support, and various entrepreneurial ventures. His background includes roles at Cross Country Mortgage, The Law Office of Samuel Dagan, and Destination West Builders, LLC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a wide client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates investment management with Bank of America’s broader platform, providing access to a range of financial products and services.

Timmy Nguyen is a financial advisor at Wells Fargo Clearing with six years of industry experience. He holds the Series 66 designation and has worked at firms including J.P. Morgan Securities LLC, Merrill, and Bank of America. 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 combines research and analytics with diversification principles and modern portfolio theory in its investment approach.

Thomas Wills is a financial advisor at Thrivent Investment Management with three years of industry experience. He holds the Series 66 designation and previously worked with Oceanside and San Diego Unified School Districts. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering goal-based, holistic planning across a range of financial topics without managing client portfolios directly.

Erik Liodice is a financial advisor at Wells Fargo Clearing with 19 years of industry experience. He holds a Series 66 designation and previously worked at J.P. Morgan Securities LLC for 11 years before joining Wells Fargo in 2024. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Andrew Norolahi is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide written Recommendation Reports. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Duyen Tran is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 63 designation and 15 years of industry experience. Tran has worked in various roles within Wells Fargo entities since 2006, including Wells Fargo Bank, N.A., Wells Fargo Advisors, LLC, and the current position at Wells Fargo Clearing. 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 provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

John Page is a financial advisor with LPL Financial, holding CFP® and ChFC® designations and over 16 years of industry experience. His prior roles include positions at Cetera, First Financial Equity Corporation, and a longstanding involvement with Family Trust. He is also associated with Life Style Financials, a business entity related to 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 institutions. The firm offers a range of advisory and brokerage services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.