Dustin Tracy is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, where he has worked since 2006. He has 18 years of industry experience. He served on the Board of Directors for the Autism Society of San Diego, supporting fundraising events for autism programs in the region. 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 uses proprietary research and model-based asset allocations to tailor investment strategies to client goals and risk profiles.

William Allford is a financial advisor with RBC Capital Markets in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with RBC Capital Markets since 2016. Outside of his advisory role, he serves on the Board of Directors for the NSAC Alano Club, a nonprofit recovery organization. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with customizable portfolio management solutions, leveraging both in-house and third-party investment resources.

Ardaches Peltekian is a financial advisor at Morgan Stanley with 21 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market modeling techniques.

Melody Donnelly is a financial advisor at Charles Schwab with 14 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at TDAmeritrade, Word and Brown, and The Prudential Insurance Company of America. Outside of advising, she has a long-standing involvement with Laz Parking since 2016. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts.

Garret Campbell is a financial advisor with Thrivent Investment Management in Santee, CA, holding a Series 66 credential and 10 years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2016. Outside of his advisory role, he serves as a board member for Casa Esperanza para Niños, a nonprofit supporting abandoned and abused children in Hermosillo, Mexico. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary trading authority. The firm allows clients to combine planning with managed-account programs through a consolidated billing option called “WealthPlan” while maintaining separation between services.

Stephany Horn is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 license with 19 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a variety of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm-approved tools and scenario modeling.

Karen Walker is a CFP® professional with 27 years of industry experience, currently serving at MassMutual Investors Services since 1998. She has been associated with Massachusetts Mutual Life Insurance Co. since 1997. Additionally, she works as a life, health, long-term care, and disability insurance agent. MassMutual Investors Services is a broker-dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm uses technology-driven tools to deliver written recommendations through collaborative annual planning engagements.

Eithar Gaggi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 13 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has also worked with JPMorgan Chase Bank, N.A. since 2011. Outside of her advisory role, she owns a rental property. 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 a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver its services.

John Galano is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. His prior roles include positions at Merrill and Bank of America. Morgan Stanley Wealth Management serves both individual and institutional clients, managing approximately $2.74 trillion in assets through a range of advisory programs and financial planning services that incorporate firm-approved tools and investment committee insights.

Tiffany Cederlind is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. She has been with Wells Fargo Advisors Financial Network since 2026 and has prior experience with Wells Fargo Clearing and Wells Fargo Advisors LLC dating back to 2009. 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 through a broad range of planning options tailored to clients meeting certain net-worth criteria. The firm’s services include specialized planning solutions and utilize Wells Fargo research and tools to develop tailored recommendations, with clients able to implement advice through various brokerage or advisory programs.

Jason Kriz is a Financial Consultant currently working with Fidelity Investments since 2024. He partners with clients and families to help build sound financial plans aimed at fostering confidence in their financial decisions. Jason employs a needs-based approach to collaborate with clients over the long term, adapting to life's changes. His professional experience includes roles as a Financial Consultant and Executive Relationship Manager at Morgan Stanley from 2020 to 2024, Senior Financial Sales Advisor at BBVA Compass from 2018 to 2020, and Financial Advisor at Edward Jones from 2016 to 2018. Jason holds a California Insurance License and is a Certified Financial Planner (CFP®). Outside of his professional work, Jason enjoys interests such as food, golf, theater, traveling, and volunteering.

Eduardo Marek is a financial advisor at Morgan Stanley in San Diego, CA, with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by proprietary tools and modeling techniques.

Jaime Lima is a financial advisor at Morgan Stanley with six years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2017. Prior to his financial career, he was employed at the Center for Oral and Facial Surgery. Morgan Stanley Wealth Management provides advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery processes and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers a broad array of investment and planning services.

Bradley Sissons is a financial advisor at Edward Jones with 31 years of industry experience. He has been with Edward Jones since 2000 and holds Series 63 and Series 65 licenses. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory services including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Kirk Loberman is a financial advisor at Wells Fargo Advisors with 24 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Axa Advisors from 2008 to 2020. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser affiliated with Wells Fargo, offering investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm provides a broad range of planning services, including specialized areas such as business-owner transition and special-needs analysis, using Wells Fargo research and planning tools.

Raymond Yau is a Series 66 licensed financial advisor with two years of industry experience, currently with LPL Enterprise in San Diego, CA. His prior experience includes roles at Forthright Capital Advisory LLC, Forthright Capital Partners LLC, and First Command Insurance Services, Inc. Outside of his advisory work, he owns and serves as Marketing Director for XMvisuals LLC, a print and signage business. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, and corporate entities. The firm employs a model-driven investment approach utilizing portfolios developed by internal research and third-party strategists, offering financial planning and access to third-party asset managers through its network of investment adviser representatives.

George Viray is a financial advisor at Equitable Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Mass Mutual Investors Services, MassMutual Pacific Coast, Ameriprise Financial Services, Inc., and LPL Financial. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and a variety of asset-management programs through a network of Investment Adviser Representatives. The firm offers access to multiple advisory models and third-party asset managers, delivering solutions that include mutual funds, ETFs, separately managed accounts, and select alternative investments.

Gail Phillips is a financial advisor with Morgan Stanley Smith Barney LLC, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Morgan Stanley since 2009. 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 modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through a structured planning process and various investment strategies.

Linda Stirling is a financial advisor at Raymond James & Associates with 39 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at UBS Financial Services for 13 years. Outside of her advisory role, she serves as Chairman of the Board for Umbrella Ministries, a charity providing grief support for mothers who have lost a child, and is the author of a book titled *Hope for a Broken Heart*. Raymond James & Associates is a large dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base—including individuals, institutions, and charitable organizations—and provides a range of financial planning, consulting, and advisory services supported by a nationwide network of advisors.

Wassim Abifaker is a financial advisor with UBS Financial Services in La Jolla, CA, holding Series 66 and Series 63 licenses and 25 years of industry experience. His prior roles include positions at Charles Schwab and TD Ameritrade Investors Services. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services and providing tailored financial planning and portfolio management.