Sandra Bazan is a financial advisor at Merrill with 22 years of industry experience, including 20 years at Merrill. She holds Series 63 and Series 66 licenses and is based in San Diego, CA. 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 a range of model-based and discretionary investment strategies supported by internal and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Karen Mortimer is a financial advisor with Merrill in La Jolla, CA, holding Series 63 and Series 66 credentials and 24 years of industry experience. She has been affiliated with Merrill since 2009 and Bank of America since 2011. Outside of her advisory role, Mortimer has been active in the RB Sunrise Rotary, serving in leadership positions including President and Finance Committee Chair. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Timothy Gardner is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Ameriprise offers a retirement-income planning service aimed at individuals approaching or in retirement who meet specific eligibility criteria, providing written Recommendation Reports that address income sources, Social Security claiming options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored retirement recommendations and provides a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Ngai Pham is a financial advisor at J.P. Morgan Securities with 21 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Merrill and First Republic Investment Management. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.

Noelle Ohmann is a financial advisor with Equitable Advisors in San Diego, CA, holding the Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors, she worked in various customer service roles including at The Cheesecake Factory, where she continues to work as a waitress alongside her advisory career. Equitable Advisors serves a diverse client base including individuals, pension plans, corporations, and charitable organizations, providing financial planning, retirement consulting, and asset-management programs through a network of Investment Adviser Representatives and third-party asset managers.

Thomas Nolan is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. He previously worked at Ameriprise Financial Services in various capacities from 2004 to 2026. Nolan also owns Nolan Wealth Management, where he provides financial advice. 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 and access to third-party asset managers, supported by advanced research and operational tools.

Stasia Krahling is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and nine years of industry experience. She has worked at Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors, LLC from 2012 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 investment advisory services. The firm’s approach is IPS-driven and grounded in modern portfolio theory, with investment options that include insurance-related vehicles and bank deposit sweep programs.

Chad Anderson is a financial advisor at LPL Financial with three years of industry experience. He holds a Series 66 designation and has worked previously at firms including Digital Capital Management, Securian Financial Services Inc, and Morgan Stanley. Anderson is based in San Diego, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a variety of advisory services and platforms, including financial planning, model portfolios, third-party asset management, and institutional programs.

Joshua Dunphy is a financial advisor at Fidelity with a Series 66 credential and two years of industry experience. His background includes roles at Northwestern Mutual and Securities America, as well as experience outside finance in the food service industry and entrepreneurial ventures. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs. The firm serves as a registered commodity pool operator, advises multiple investment companies, and utilizes systematic methodologies and AI tools in its investment process.

Matthew Schrady is a financial advisor at Ameriprise with 33 years of industry experience. He has held roles at Ameriprise Financial Advisors Inc. and Ameriprise Financial Services, LLC since 2016. His credentials include Series 63 and Series 65 licenses. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients. The firm offers a specialized retirement income service that provides written recommendations and ongoing planning focused on dependable income sources and tax-aware withdrawal strategies for clients nearing or in retirement.

Danielle Martinez is a financial advisor at UBS Financial Services with 8 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at Morgan Stanley, Lincoln Financial Group, and the University of Hawaii at Manoa. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Lindsey Feeney is a financial advisor with LPL Financial in San Diego, California, holding a Series 66 designation and 20 years of industry experience. She has been with LPL Financial since 2006. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Bradford Best is a financial advisor with Cetera who holds Series 63 and Series 66 designations and has 26 years of industry experience. He has held roles with several firms including First Allied Securities, Inc. and Summit Brokerage Services, Inc. He serves on the advisory council for the University of California, Irvine, reviewing continuing education programs for professionals. Additionally, he hosts a pinball streaming channel focused on entertainment and education. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a variety of portfolio management and financial planning services across multiple program platforms, utilizing both affiliated and third-party managers.

Alexandra Vidal is a financial advisor with LPL Financial in San Diego, CA, holding Series 65 and Series 63 credentials and bringing 22 years of industry experience. Her prior roles include positions at 1st Global Advisors, Ameriprise Advisor Services, and the Householder Group Estate & Retirement Specialists. Outside of her advisory work, she is an ordained minister and owns Trident's Theories, LLC, a research-focused venture. 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 various investment strategies, supported by extensive resources and technology.

Stephen Cote is a Senior Financial Advisor with Merrill Lynch Wealth Management. He provides proactive financial advice and guidance to help clients manage their goals, focusing on retirement planning, investment selection, and cash management. Stephen works with affluent individuals, families, and business owners to manage, preserve, and grow their wealth in a tax-efficient manner, addressing areas such as executive compensation, legacy planning, family wealth management strategies, socially responsible investing, and retirement income. Stephen has obtained the Certified Portfolio Manager (CPM®) designation through a collaboration between the Academy of Certified Portfolio Managers and NYU Stern. He also holds the Chartered Retirement Planning Counselor™ (CRPC™) designation, emphasizing the pre- and post-retirement needs of individuals, in addition to the Personal Investment Advisor (PIA) credential. He earned a bachelor's degree from Roger Williams University. Residing in La Jolla, California, Stephen maintains a residence in the Bay Area. In his personal time, he enjoys outdoor activities including golf, volleyball, running, baseball, cooking, fishing, and competition. He is also committed to community involvement, volunteering with organizations in the communities he serves.

Victoria Sazunic is a financial advisor at Morgan Stanley with seven years of industry experience and holds the Series 66 designation. She has been affiliated with Morgan Stanley since 2003 and has served on the board of San Diego Civic Theaters since 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide array of advisory programs to individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets.

Erin Arellano is a financial advisor with LPL Financial in La Mesa, CA, holding Series 63 and Series 66 licenses and bringing 24 years of industry experience. Prior to joining LPL Financial in 2014, Erin worked at Advisors Asset Management, Inc. and U.S. Bancorp Advisors, LLC. Outside of advisory work, Erin owns Coordinated Contract Services, a transportation business serving disabled adults, and provides tax preparation services as an enrolled agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services through a large network of representatives, serving individual and institutional clients with a range of financial planning, asset management, and retirement solutions.

Peter Mc Mahon is a financial advisor at OSAIC with 21 years of industry experience. He holds the CFP® designation and Series 63 and 66 licenses. His prior roles include positions at Lincoln Financial Advisors and J.P. Morgan Securities. In addition to his advisory work, he is licensed as an insurance agent offering disability and traditional life insurance as well as fixed and indexed annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services with a range of portfolio construction tools and access to third-party money managers and managed-account solutions.

Lisa Koyama is a financial advisor with LPL Financial, holding a Series 66 designation and 13 years of industry experience. She has worked at several firms, including Wells Fargo Clearing and multiple Cetera entities, before joining LPL Financial in 2021. Koyama is also a commissioned notary public. 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 portfolio programs, third-party asset management, and institutional platforms.

Michelle Gray is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with 11 years of industry experience. She has been with Morgan Stanley and its Private Bank division since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a range of advisory programs to individuals and institutional clients, including customized financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and scenario modeling as part of its client service approach.