Joshua Billauer is a financial advisor at Wells Fargo Clearing with 28 years of industry experience. He holds Series 63 and Series 65 designations and has worked previously at Prudential Equity Group and Morgan Stanley. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions.

Jason O Reilly is a financial advisor with LPL Financial based in San Diego, CA. He holds Series 63 and Series 66 licenses and has seven years of industry experience. Prior to joining LPL, he worked at HSBC Bank USA, N.A., HSBC Securities (USA) Inc., Wells Fargo, and Citibank. He is also dual-hatted as a Bank Officer for HSBC Bank (USA) N.A., engaging in the sale of bank-related products and services alongside his registered representative role. 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, and institutional platforms, supporting advisors with research and operational tools while managing over $819 billion in discretionary assets.

Erik Karlson is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with 12 years of industry experience. He has been with Edward Jones since 2013. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Naief Al Chaikh is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and having 15 years of industry experience. His prior experience includes roles at Ameriprise and Comerica Securities, where he worked for nine years. He is also involved with Comerica Bank through outside employment related to financial advisory activities. 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 provides a range of advisory and brokerage services, including financial planning and access to third-party asset management, utilizing model portfolios, customized strategies, and various operational tools across a broad network of investment adviser representatives.

Nicholas Fragoso is a financial advisor at OSAIC with five years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at San Diego Tax & Wealth Management. In addition to his advisory role, he provides income tax preparation and financial planning services through his own S-Corporation and seasonal sole proprietorship. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with a model-based investment approach that emphasizes asset allocation, portfolio optimization, and risk management.

David Cynkin is a Series 66 credentialed financial advisor with three years of industry experience, currently with UBS Financial Services in La Jolla, CA. His background includes roles at the University of Oregon and prior experience in education. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory services, leveraging proprietary research and model-based asset allocation. The firm combines institutional trading capabilities with wealth management, offering a broad range of financial planning and investment products.

Julia Farag is a CFP® and Series 66 licensed financial advisor with one year of industry experience. She is currently with Cetera and previously worked at Fonte Financial Advisors for three years. Outside of her advisory role, she serves as Vice President of the nonprofit board for Kai Elua Outrigger Canoe Club. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with various program options, including discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Tracie Dasilva is a Wealth Management Advisor associated with Merrill Lynch Wealth Management. She contributes to personal planning and wealth management with a focus on integrity, transparency, and client education to foster long-term multigenerational relationships. While specific details about her individual experience, education, or community involvement were not provided, Tracie's role situates her within a practice that emphasizes comprehensive, client-centric strategies tailored to personal goals and values.

Ryan Barnhill is a Series 66 licensed advisor at LPL Financial with 12 years of industry experience. He previously worked at Edward Jones for nine years before joining LPL Financial in 2023. Barnhill also operates Barnhill Wealth Management, a DBA for 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.

James Roeske is the Senior Resident Director and Wealth Management Advisor at Merrill Lynch. He began his career in wealth management in 2000 and has since developed relationships with a diverse clientele. In 2016, James was appointed Resident Director of the La Jolla office, taking on responsibilities that include training and coaching Merrill financial advisors and supporting experienced advisors in identifying appropriate products and services for their clients. James holds several professional credentials, including the CERTIFIED FINANCIAL PLANNER (CFP) designation awarded by the CFP Board, the Certified Investment Management Analyst (CIMA) certification from the Investments & Wealth Institute, and is recognized as a Personal Investment Advisor (PIA). He earned a Bachelor of Science degree from Saint Mary's College of California. His client focus areas encompass executive compensation, family wealth management strategies, portfolio management services, ESG investing, tax minimization, retirement income, and other financial planning services. Residing in San Francisco and La Jolla with his wife and two children, James is active in his local community, particularly with La Jolla's public school system. He is a member of the La Jolla Historical Society and contributes to La Jolla Elementary. Outside of work, James enjoys boating, boxing, football, running, skiing, swimming, tennis, traveling, and volleyball.

Grant Kalmanovitz is a CFP® professional with 17 years of industry experience, currently affiliated with Cetera. His prior roles include positions at Charles Schwab, LPL Financial, LendingClub, and EquityBee. Outside of his advisory work, he serves as an assistant basketball coach at San Dieguito Union High School District and consults on sales strategy and market research for businesses in the Encinitas area. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors and serves a diverse client base including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options, including model portfolios, third-party managers, and bespoke strategies.

Iola Xiao is a Financial Advisor at Merrill Lynch Wealth Management and The ROK Advisory Group since 2023. She has 15 years of experience in the financial services industry, providing personalized guidance to individuals and families. Iola is fluent in Mandarin Chinese and speaks basic Cantonese, facilitating communication with a diverse clientele. Iola follows a disciplined process that begins with understanding clients' needs and goals, enabling her to create flexible financial strategies adaptable to changing market conditions. She leverages investment insights from Merrill and banking and lending solutions from Bank of America. Iola holds the Certified Divorce Financial Analyst (CDFA) designation and the Personal Investment Advisor (PIA) credential. Based in San Diego, Iola enjoys spending time with her son, Tyler, and engaging in activities such as traveling and golfing.

Morgan Seymour is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has been with Merrill since 2019 and worked previously at San Diego State University. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Daniel La Page is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 19 years of industry experience. He has been with Wells Fargo in various capacities since 2004. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages extensive assets and offers both brokerage and advisory solutions, utilizing research and analytics to inform its investment approach.

Cheryl Giustiniano is a CFP® with 34 years of industry experience, currently serving at LPL Financial since 2025. Her prior roles include positions at Giustiniano Wealth Strategies, Cavanaugh Financial Group, D Canada Financial, Raymond James Financial Services, and Morgan Stanley DW Inc. She is based in San Diego, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides financial planning, model portfolio programs, third-party asset management access, and institutional platforms, integrating a range of investment strategies and technology tools to support advisors.

Diane Bienke is a CFP® and holds a Series 66 license with five years of industry experience. She is currently with J.P. Morgan Securities and J.P. Morgan Chase Bank, N.A., having previously worked at First Republic Investment Management and Wells Fargo. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative screening, qualitative research, and forward-looking capital market assumptions to build model asset allocations.

Frances Pascua is a Resident Director and Wealth Management Advisor at Merrill, where she joined in 2014. She partners with The Callahan Pascua Group to focus on new client relationships and the implementation of financial and wealth management services for existing clients. Her areas of expertise include college education planning, family wealth management strategies, institutional investment consulting, liquidity management, retirement income, and tax minimization. Frances holds the Certified Investment Management Analyst® (CIMA®) designation, issued by the Investments & Wealth Institute™ in conjunction with The Wharton School at the University of Pennsylvania. She also holds the CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. She earned a Bachelor of Arts degree in Interdisciplinary Studies with a focus on Political Science, Communication, and Psychology from San Diego State University, and a Master of Business Administration from Alliant International University. Fluent in Filipino and English, Frances serves as President of the Merrill Women's Exchange, San Diego Chapter (2024–2025), and is the National Chair of the Investments & Wealth Institute™ Conference Committee. She has been an active member of professional and community organizations including the Investments & Wealth Institute™ Board of Directors and the La Jolla Woman's Club. In her spare time, she enjoys traveling, music, scrapbooking, spending time with family, tennis, watching movies, writing, and yoga.

Daniel Testa is a financial advisor at Cetera with three years of industry experience. He holds the Series 66 designation and has worked at firms including Edward Jones, Merrill, and Bank of America. Outside of his advisory role, he is a partner and owner of BNT Metals, a metals recycling company in Chula Vista, CA. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a large network of independent advisors and utilizes a multi-manager platform with various program options.

Shanel Dubique is a financial advisor at LPL Financial with nine years of industry experience. She holds the Series 66 designation and has worked previously at CUSO Financial Services, LP, and First Command Financial Planning, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of financial planning and asset management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies across various allocation methods.

Devin Mcdonald is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has previously worked at Equitable Advisors. 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 combines fundamental research with quantitative and algorithmic portfolio construction, offering discretionary and non-discretionary services as well as model portfolios built from mutual funds, ETFs, and ETPs.