Troy Pangelinan is a CFP® professional with two years of experience in the financial advisory industry. He currently works with San Diego Wealth, part of Osaic, and has prior experience with F.A.I.T.H. Driven Planning and service in the United States Air Force. Outside of advising, he supports financial advisors as a paraplanner by assisting with financial life planning, investment research, and economic analysis. Osaic Wealth serves a diverse client base including retail and institutional investors, offering brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment process with an emphasis on asset allocation, portfolio optimization, and risk management, supporting both discretionary and advisor-managed strategies.

Robert Nachtsheim is a CFP® with one year of industry experience. He has worked at LPL Financial since 2018 and previously held a position at JPMorgan Chase from 2014 to 2018. He is based in San Diego, CA. 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 range of financial planning and investment solutions, including model portfolios and third-party asset management, supported by advanced advisor tools and a broad platform of financial services.

Riley Cavanaugh is a financial advisor with LPL Financial, holding a Series 66 designation and one year of industry experience. Prior to joining LPL Financial, he worked briefly at Raymond James Financial and Raymond James Financial Services, Inc. Outside of his advisory role, he operates the Cavanaugh Group, a DBA related to his LPL business. 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 portfolios, third-party asset management, and institutional platforms.

Nayra Ramirez is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds a Series 66 designation and has been with Wells Fargo in various capacities since 1992. 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 manages substantial assets and offers both brokerage and advisory solutions, utilizing research and analytics to support investment decisions.

Jamie Smith is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and 23 years of industry experience. Jamie has been with Equitable Advisors since 2003, including its prior affiliation with Axa Advisors. Outside of advisory work, Jamie is involved in an outside fixed business. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and institutional clients by providing financial planning, retirement plan consulting, and asset-management programs. The firm delivers services through a network of Investment Adviser Representatives and employs a range of advisory models, including third-party program sponsors and discretionary portfolio advisory within selected programs.

Ashley Rinaudo is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 23 years of industry experience. Her career includes 20 years at Commonwealth Financial Network and multiple prior roles at LPL Financial, Citigroup Global Markets, and Ameriprise. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting its network of over 22,900 advisors.

Alejandro Mendoza is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 credential and 19 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, Wells Fargo Clearing, and Merrill. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Ward Gorham is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Morgan Stanley for 11 years before joining Wells Fargo Clearing 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 investment approach 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.

Max Hangartner is a financial advisor with LPL Financial, holding a Series 66 designation and 23 years of industry experience. His career includes roles at U.S. Bancorp Advisors, Chase Investment Services Corp., and Wamu Investments. He is based in Del Mar, California. 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.

Nicolas Garza Elorduy is a financial advisor at J.P. Morgan Securities with one year of industry experience and holds a Series 66 credential. His prior work includes roles at StepStone Group, Taylormade Golf, Vuori Inc., and the University of San Diego. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Racquel Manalo is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and previously worked at Axos Bank and Amres Corporation. Outside of her advisory role, she operates a mobile notary and loan signing business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors.

Ivette Moguel is a financial advisor at Morgan Stanley in San Diego, CA, with 19 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at Merrill Lynch for 14 years prior to joining Morgan Stanley in 2024. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets through a structured planning process that employs firm-approved tools and market modeling techniques.

Kevin Donnelly is a CFP® and holds the Series 66 designation with 18 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012, following prior roles at Chase Investment Services Corp. and Osaic FA, Inc. He is based in San Diego, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and includes capabilities in derivatives and commodities.

Joseph Ramirez is a financial advisor at Wells Fargo Clearing with eight years of industry experience. He holds Series 63 and Series 66 licenses and has been with Wells Fargo Clearing since 2018. Outside of his advisory role, he is involved with Midway Venture LLC, a bar and restaurant business based in San Diego. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research and analytics from Wells Fargo Investment Institute and third-party databases, focusing on diversification and modern portfolio theory.

Mavel Becerra is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and five years of industry experience. He previously worked at Wells Fargo Clearing for 17 years before joining LPL Financial. Outside of his advisory role, Becerra is active as a motivational empowerment speaker and volunteer. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and third-party asset management, with a focus on providing diverse investment options supported by operational and research tools.

Dinara Meiramkulova is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, having also worked at Wells Fargo Bank NA since 2008. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets across more than 14,000 financial advisors and offers both brokerage and advisory solutions.

Delawar Roashan is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and 12 years of industry experience. He has worked with Equitable Advisors and its predecessor firms since 2014, as well as Cuso Financial Services from 2015 to 2020. Equitable Advisors serves a broad client base including individual investors, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party managers.

Amber De Bartolo is a financial advisor at OSAIC Wealth, Inc. with a Series 66 designation and one year of industry experience. Prior to joining OSAIC, she worked at Shorelight Wealth Group and has professional experience outside of finance, including roles at FirefighterAid and Sungarden Terrace. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services. The firm’s investment approach includes model-based asset allocation, portfolio optimization, and a variety of managed account programs.

William Hinch is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 24 years of industry experience. His career includes roles at Uvest Financial Services since 2010 and U.S. Bancorp Advisors from 2005 to 2008. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions with a range of advisory and brokerage services, including financial planning and third-party asset management. The firm supports its network with technology tools and operates a broad platform that combines advisory services with non-advisory financial activities.

Jacob Goldberg is a financial advisor with Mass Mutual Investors Services in La Jolla, CA. He holds the Series 66 designation and has 17 years of industry experience, including roles at Metlife Securities Inc and MassMutual Life Insurance Co. He has been with Mass Mutual Investors Services since 2017. MML Investors Services, LLC is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, money-manager programs, and educational seminars.