Charles Barnhart is a financial advisor at Morgan Stanley with four years of industry experience. Prior to joining Morgan Stanley in 2024, he worked at Bank of America, Merrill, and TD Ameritrade. Outside the financial services industry, he has experience with SDCA Distilling LLC and The Spot La Jolla. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm utilizes structured planning tools and various investment strategies without offering individual security recommendations as part of its standalone planning services.

Peyton Witcher is a Financial Advisor at Merrill Lynch Wealth Management who serves business owners, executives, content creators, and athletes in managing their financial lives. He specializes in helping high-performing individuals simplify their financial complexities through a personalized, strategic approach. Peyton's services include strategic investing, tax-efficient planning, banking and cash flow management, retirement planning, and collaboration with other professionals such as CPAs and estate attorneys. He holds the CERTIFIED FINANCIAL PLANNER (CFP) designation and is recognized as a Personal Investment Advisor (PIA). Peyton earned his Bachelor's Degree from California Polytechnic State University. His client focus areas encompass education planning, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, liquidity management, personal retirement planning, individual and corporate investment strategy, and tax minimization. Outside of his professional role, Peyton is a member of the Triathlon Club of San Diego. His personal interests include basketball, football, golfing, hiking, pickleball, running marathons, swimming, and volleyball.

Perry Bacon Jr. is a financial advisor at LPL Financial with 20 years of industry experience. He holds a Series 66 designation and previously worked at Wells Fargo Advisors for 11 years. In addition to his advisory role, he serves as president of two insurance-related businesses, Lion Street and My Advisors Choice. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers comprehensive financial planning, advisory programs, and retirement plan consulting, utilizing a range of model portfolios and research resources.

Austin Moreira is a financial advisor with LPL Financial, holding a Series 66 designation and six years of industry experience. His prior work includes roles at Las Flores Car Wash and Warmington Properties, Inc., as well as a period at The Ohio State University. LPL Financial is a national SEC-registered investment adviser and broker-dealer that serves a broad client base, including individual investors, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by internal and third-party research resources.

Alex Lutz is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Diego, CA, holding a Series 66 designation and four years of industry experience. Prior to joining Raymond James, he worked at Edward Jones and Citibank. He also serves as a trustee for a family living trust. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers non-discretionary planning and investment consulting tailored to client goals, and supports municipal and public-finance work through a unique municipal advisor affiliation.

Daniel Guadarrama is a financial advisor with Charles Schwab, holding a Series 66 designation and 16 years of industry experience. He previously worked at TD Ameritrade for 12 years before joining Charles Schwab. Outside of his advisory role, he is involved in managing a rental property. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary and discretionary investment management with centralized custody and operational support.

Raymond Fagalde is a financial advisor with Raymond James Financial in San Diego, CA, holding a Series 66 designation. He has one year of industry experience and has held roles at The Manning Companies and Raymond James Financial Services, Inc. Prior to his advisory career, he worked in various positions including at Robert Half and Saint Mary's College of California. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutions. The firm offers tailored, non-discretionary planning using analytical tools and supports advisory programs while maintaining specialized services in municipal and public finance.

Kaitlyn Cruse is a Wealth Management Advisor at Merrill Lynch Wealth Management. She began her career with Merrill in 2008 in Boston, working with ultra-high net worth individuals on various financial matters, including cash management and investment manager due diligence. Since moving to San Diego in 2016, she partners with clients and their advisors to create wealth plans tailored to their needs and goals, incorporating disciplined investment strategies and collaborating with estate and tax professionals. Kaitlyn holds several professional designations including Certified Investment Management Analyst®, Certified Plan Fiduciary Advisor®, and Retirement Accredited Financial Advisor. She earned a Bachelor of Science in Business Administration from Bryant University, with a focus on Financial Services and a minor in Communications. Additionally, she holds licenses and registrations such as the California Life, Accident & Health license and FINRA Series 7, 63, 65, and 66. Outside of her professional role, Kaitlyn resides in Carlsbad, California with her husband and two children. She enjoys activities such as cooking, golfing, skiing, and spending time with family. Kaitlyn has been actively involved in professional organizations including the Merrill Women's Exchange in both Boston and San Diego chapters, and Merrill’s Military Support & Assistance Group in San Diego.

Kelsey Regedanz is a financial advisor at Morgan Stanley with 19 years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley since 2009, including working at Morgan Stanley Private Bank, N.A. since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs with a focus on tailored financial planning and utilizes structured planning tools and models developed by its Global Investment Committee.

Haein Choi is an Investment Consultant at Fidelity Investments, a role held since 2026. In this position, Haein partners with clients to understand their financial goals and develops customized financial plans tailored to their unique needs. Prior to this, Haein worked as a Financial Advisor at LA Pension Planners from 2025 to 2026. Haein holds a California Insurance License, supporting their work in the financial services industry. Outside of professional responsibilities, Haein has personal interests that include baseball, camping, fitness, foodie activities, golf, and hiking.

Derek Wright is a Financial Consultant at Fidelity Investments, a role he has held since 2021. He provides guidance and personalized financial planning services to help clients work towards their life goals, collaborating with his team to tailor strategies that adapt to clients' changing needs. Prior to his current position, Derek held several roles at Fidelity Investments, including Investment Consultant from 2019 to 2021 and Financial Representative in 2019. Before joining Fidelity, he was a Relationship Manager at Bank of America from 2018 to 2019 and an Account Manager at ViewRidge Funding from 2017 to 2018. Derek holds a California Insurance License. Outside of his professional work, Derek has interests in food, outdoor adventures, snowboarding, traveling, and pets.

Amy Howe is a financial advisor at Wells Fargo Advisors in La Jolla, CA, holding Series 63 and Series 65 licenses with eight years of industry experience. Before joining Wells Fargo Clearing Services LLC in 2017, she worked at Keller Williams Realty for one year. Outside of her advisory role, she is involved in event planning for a custom shade sails business she owns with her spouse. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad planning menu using Wells Fargo research and tools, with services covering cash-flow, retirement, education, risk, wealth transfer, and specialized areas such as business-owner transition and special-needs planning.

Nilay Barefield is a financial advisor at Cetera with eight years of industry experience. He holds the Series 63 and Series 65 registrations and has worked previously at Fidelity Investments and Wells Fargo. He is also involved with Tax & Financial Group, providing insurance, securities, and advisory services. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad range of clients including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and consulting services through a large nationwide network of independent advisors.

Robert Steck is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 2014 after nearly two years with Edward Jones, following a previous 26-year career at Anheuser-Busch where he held positions in sales and operations, specializing in finance and international and wholesaler operations. Based in San Diego, Robert focuses on family wealth management strategies, personal retirement planning, small business strategies, individual and corporate investment strategy, and retirement income. Robert holds a Master’s degree in Finance from the University of Chicago Booth School of Business, a Master’s degree in International Economics from Tufts University, and a Bachelor’s degree in Political Science and French from Saint Louis University. He maintains professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA). Originally from St. Louis, Missouri, Robert has lived in Europe during his career and has been an individual investor for more than 25 years. In his personal time, Robert enjoys baseball, basketball, hiking, tennis, and traveling. He is a widower with two grown sons and three young grandchildren, and is active in the San Diego community where he resides. His approach as a Merrill advisor emphasizes connecting all aspects of a client’s financial life to help prioritize and pursue important financial goals.

Ryan Kinney is a financial advisor with Edward Jones in Chula Vista, CA, holding a Series 66 designation and 11 years of industry experience. He has been with Edward Jones since 2014. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment strategies, including discretionary and non-discretionary wrap fee accounts, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Albert Schombs III is a financial advisor at UBS Financial Services with 23 years of industry experience. He holds the Series 66 designation and previously worked at Merrill for six years before joining UBS in 2018. Based in La Jolla, CA, he has been with UBS for eight years. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, combining institutional trading capabilities with wealth management services. The firm employs proprietary research and model-based asset allocations to deliver tailored financial planning and portfolio management.

Brian Ohlfest is a financial advisor with Fidelity Investments in San Diego, CA, holding a Series 66 designation and seven years of industry experience. His prior work includes roles at JP Morgan Securities, LLC, Morgan Stanley, and Seven Seas Yacht Management. Fidelity's Strategic Advisers LLC offers investment management and advisory services to a diverse client base, including retail and institutional investors, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its formal advisory role to multiple registered investment companies and its use of algorithmic methods and AI in research.

Alberto Nunez is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 12 years of industry experience. His prior roles include positions at Fidelity and TD Ameritrade. He has been with J.P. Morgan in various capacities since 2014. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering customized asset allocation advice, manager searches, and performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.

Keith Baham is a financial advisor at Fidelity with 19 years of industry experience. He holds a Series 66 designation and has worked at several firms including Encompass More, Massmutual, and Edward Jones. He is currently based in San Diego, CA. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across a diverse range of mutual funds, ETFs, and ETPs.

Michael Jackson is a financial advisor at Edward Jones in El Cajon, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he was self-employed at Jackson Consulting, Inc. and worked at Marsh & McLennan Agency for 12 years. Outside of his advisory role, he serves as the Head Women’s Golf Coach at Patrick Henry High School. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory and investment services, supported by a nationwide network of over 23,000 financial advisors and $1 trillion in assets under management.