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 with Wells Fargo Advisors in La Jolla, CA, holding Series 65 and Series 63 licenses and having eight years of industry experience. She worked at Keller Williams Realty for one year before joining Wells Fargo Clearing Services LLC in 2017. Outside of financial advising, she co-owns and helps with event planning for a custom shade sail business with her spouse. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutions. The firm offers a broad range of financial planning services, using proprietary research and tools to provide tailored recommendations across various specialized planning areas.

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.

Michael Youngerman is a financial advisor at LPL Financial in San Diego, CA, holding a Series 66 designation with 14 years of industry experience. He previously worked for Commonwealth Financial Network for 11 years before joining LPL Financial in 2026. 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 broad range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Alberto Nunez is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 designations and bringing 12 years of industry experience. His prior roles include positions at Fidelity Brokerage Services and TD Ameritrade. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting, with clients retaining final decision-making authority.

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 with Edward Jones in El Cajon, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at Marsh & McLennan Agency for 12 years and operated his own business, Jackson Consulting, Inc., which focused on educational book sales. He is also 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 broad range of investment advisory programs and affiliated services, supported by a large network of financial advisors and branch offices nationwide.

David Price is a Wealth Management Advisor with Merrill Lynch Wealth Management, based in the La Jolla office. He joined Merrill in January 2000 and has spent his entire career there, marking over 22 years of experience as of 2022. David's work focuses on providing personal attention and comprehensive services to retirees, busy professionals, and families who have significant assets but seek assistance in managing complex financial details. His expertise includes portfolio construction, discretionary portfolio management, asset allocation, tax minimization strategies, retirement income strategies, college planning, estate planning, and wealth transfer strategies. David earned a Master’s degree from San Diego State University and a Bachelor’s degree from Old Dominion University. Over his career, he has developed strong relationships with clients, guiding them through various life challenges such as widowhood, health crises, estate planning, and educating younger generations about retirement savings. He holds the Personal Investment Advisor (PIA) designation. Outside of his professional role, David lives in Solana Beach with his wife, Brooke, their sons, and their dog. He participates in community activities including volunteering with the Skyline Elementary School Dad's Club, the Best Day Foundation, and has served on the board of Solana Beach Little League. His personal interests include baseball, basketball, surfing, photography, and reading.

Nicholas Maly is a financial advisor at Fidelity with 15 years of industry experience. He holds a Series 66 designation and has worked at Fidelity Investments since 2013, including roles at Fidelity Personal and Workplace Advisors. He also has prior experience with Equitable Advisors. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including Charitable Gift Funds and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios from mutual funds, ETFs, and ETPs.

Joseph Maier V is a Series 66-licensed financial advisor at LPL Financial with two years of industry experience. His prior work includes positions at The Vant Group, R.J. Kates Company, and Baylor University. 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 with access to model portfolios, third-party asset managers, and institutional platforms.

Tarik Benchabane is a financial advisor with Morgan Stanley, holding a Series 66 designation and nine years of industry experience. He previously worked at Wells Fargo Clearing for six years before joining Morgan Stanley in 2022. Based in La Jolla, CA, he currently serves clients through one of the largest wealth management firms. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a range of advisory programs to individuals and institutions. The firm emphasizes structured financial planning supported by proprietary tools and serves approximately $2.74 trillion in client assets.

Eva Murdock is a financial advisor at Morgan Stanley with 27 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds Series 63 and Series 66 designations. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutional clients. The firm offers a range of advisory programs and financial planning services supported by data-driven tools and invests approximately $2.74 trillion in client assets.