Scott Mc Ghee is a financial advisor at Morgan Stanley with six years of industry experience. He has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2019. Prior to that, he was associated with Young Life from 2015 to 2019. Outside of his advisory role, he occasionally writes online product reviews for Recreation Equipment Incorporated (REI) based on field testing. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, offering tailored financial planning supported by firm-approved tools and research. The firm manages approximately $2.74 trillion in client assets and provides services through financial advisors and specialized planning groups.

David Mcdermott is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 25 years of industry experience. He has been with LPL Financial since 2012 and concurrently works with San Diego County Credit Union, where he is involved in their investment services program. Prior to these roles, he spent several years with CUSO Financial Services, L.P. 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 advisory and brokerage services through a large network of investment adviser representatives, offering a broad range of financial planning and portfolio management solutions supported by advanced operational and research tools.

Phetpilin Phetsanghane is a financial advisor at Merrill with a Series 66 designation and eight years of industry experience. She has been with Bank of America, N.A. and Merrill since 2015. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jessica Harrigan is a financial advisor at Fidelity with 12 years of industry experience. She holds Series 63 and Series 65 licenses and has worked within various Fidelity entities since 2013. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios and manages oversight and evaluation processes to address conflicts of interest.

Robert Kennedy is a financial advisor with Cetera based in San Diego, CA, holding the Series 66 designation and 18 years of industry experience. He has worked with multiple entities within the Cetera network since 2018 and previously spent eight years at LPL Financial. Cetera Investment Advisers LLC is an SEC-registered firm that provides services to individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning solutions through a large nationwide network of independent advisors, using a multi-manager platform that includes affiliated and third-party model portfolios and bespoke investment strategies.

Magdiel Delgado is a Series 66-credentialed financial advisor with nine years of industry experience, currently serving at UBS Financial Services since 2018. Prior to UBS, he worked at BBVA Wealth Solutions and BBVA Securities, as well as COMPASS Bank. Delgado is also an employee of an affiliated bank where he is authorized to offer banking products and services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, delivering advisory work through a network of advisors supported by proprietary research and model-based asset allocations.

Stephen Lafata is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and 16 years of industry experience. He has been with UBS Financial Services since 2015. UBS Financial Services Inc. 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 provides proprietary research and capital markets products through its platform.

Jan Pretorius is a financial advisor at Ameriprise with 25 years of industry experience and holds a Series 66 designation. He has been with Ameriprise and its affiliates since 2005. Outside of advisory work, he owns and manages business entities related to office condominium ownership and serves as an attorney-in-fact. Ameriprise Financial Services is a large diversified firm serving individual and institutional clients, known for its Premier Retirement Income service that provides customized retirement income planning through written recommendation reports and ongoing advice focused on income stability and tax-aware withdrawal strategies.

Jorge Gonzalez is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 10 years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wells Fargo Advisors, LLC, and Wells Fargo Bank, NA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets.

Rick Meiss is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 20 years of industry experience. He previously worked for SCF Investment Advisors, Inc. and SCF Securities, Inc. for ten years. Outside of his advisory role, Meiss is also a non-variable insurance agent. 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.

Kathryn Alvarez is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She has been with Merrill since 2008. Outside of her advisory role, she serves as a notary public. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program for Bank of America fiduciary clients, offering model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth investors, and charitable organizations.

Marque Cohen is a financial advisor at UBS Financial Services with 33 years of industry experience. He has worked at UBS since 2009 and holds Series 63 and Series 65 designations. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and offers proprietary research, custody, underwriting, and capital markets services.

Dennis Bell is a CFP® professional with 39 years of experience in the financial industry. He has worked at LPL Financial since 2010, with additional experience at Harrisdirect LLC, Chase Investment Services Corp., Cetera Wealth Services, and CUNA Brokerage Services. He volunteers with the non-profit organization Just in Time in San Diego, CA. 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 financial planning and investment management solutions, utilizing proprietary research, third-party subadvisors, and technology tools across discretionary and non-discretionary strategies.

Matthew Hanson is a financial advisor at Fidelity with a Series 66 designation and four years of industry experience. His prior roles include positions at Wells Fargo Clearing, J Kelly & Associates, and Sterling Wealth Strategies. He has also been affiliated with the United Church of Christ of La Mesa. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm employs a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios consisting of mutual funds, ETFs, and ETPs.

Alexander Stanescu is a Series 66-licensed financial advisor at Raymond James & Associates with two years of industry experience. Prior to joining Raymond James in 2025, he worked at Commonwealth Financial Network for three years and LPL Financial for one year. He also spent nine years at San Diego State University. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions supported by a nationwide adviser network.

Michael Fendley is a Wealth Management Advisor and Portfolio Manager at Merrill Lynch's Global Wealth Management Group. He works with families to help them achieve their financial goals through comprehensive wealth management, including planning, investment management, loan management, and financial services. His approach focuses on ensuring families clearly articulate and document their financial philosophies around earning, spending, saving, investing, and sharing money, aligning their financial and estate strategies with their core values. He addresses both opportunities and challenges surrounding wealth management with tailored strategies. Michael began his career with nearly ten years as a Portfolio Manager and Wealth Management Advisor at Morgan Stanley in Chicago and La Jolla before joining Merrill's San Diego office in 2008. He holds a Bachelor of Arts degree from Purdue University (1994) and earned a Certificate in Financial Planning from DePaul University in 2003. He obtained his CERTIFIED FINANCIAL PLANNER® practitioner certification in 2004, qualified for the Morgan Stanley Custom Portfolio program as a Portfolio Manager in 2007, and holds several professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In his role, Michael manages personalized investment strategies that may include individual stocks and bonds, Merrill model portfolios, and third-party investment approaches. When providing services through the firm's Investment Advisory Program, he may manage strategies on a discretionary basis. Outside of work, Michael's personal interests include music, spending time with family, traveling, volleyball, watching movies, and practicing yoga.

Johnathon Tang is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2025. He has been with Fidelity Investments since 2022, initially serving as a Financial Consultant. Prior to that, he worked at Columbia Threadneedle Investments in roles including Regional Advisor Consultant from 2021 to 2022 and Internal Advisor Consultant from 2019 to 2021. His earlier experience includes positions at Eaton Vance and State Street. As a Certified Financial Planner®, Johnathon partners with clients to understand their financial goals and develop customized plans to help achieve them. He focuses on helping individuals and families feel comfortable and confident in their short and long term financial objectives. He holds a California Insurance License. Outside of his professional work, Johnathon's personal interests include fitness, golf, photography, running, volunteering, and yoga.

Sandy Bayne is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at firms including First Republic Investment Management and Unionbanc Investment Services. Outside of her advisory role, she also serves as a notary on a limited basis. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through its Wealth Advisors. The firm combines institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision authority.

Mark Sanchez is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 25 years of industry experience. He has been with Cetera and its affiliated entities since 2026, following prior roles at Madison Avenue Securities, Mass Mutual Investors Services, MassMutual, and LPL Financial. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts through a multi-manager platform. The firm offers a range of portfolio management and financial planning services, with over $256 billion in assets under management and more than 10,000 advisors nationwide.

Jamshid Hoorfar is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 43 years of industry experience. He previously worked at Prudential Insurance Company of America and PRUCO Securities, LLC for 39 years before joining LPL Financial in 2020. He serves as president of Dynasty Wealth Management’s insurance agency. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers diverse investment solutions, including financial planning, model portfolios, third-party asset management, and institutional platforms.