Thomas Trax is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 designations and 32 years of industry experience. He has been with LPL Financial since 2001. Outside of his advisory role, he serves as a board member for the Hillside Professional HOA, a nonprofit organization. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives. The firm offers a range of financial planning, asset management, and institutional platforms, utilizing various investment strategies supported by research and technology tools.

Christopher Wells is a financial advisor with RBC Capital Markets, holding a Series 66 designation and bringing 21 years of industry experience. He has worked at RBC Capital Markets since 2014 and at City National Bank since 2017. Outside of his advisory role, he is a passive owner of a real estate development and management business. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers various advisory programs that provide portfolio management, financial planning, and brokerage services, utilizing both in-house and third-party investment managers.

Steven Castillo is a Senior Financial Advisor based in La Jolla, California. He specializes in guiding clients through all aspects of their financial lives by utilizing a goal-based planning approach. His methodical process focuses on wealth accumulation, preservation, and transfer, integrating investment and risk management, tax minimization, and asset preservation. Steven emphasizes the importance of lifetime retirement income streams and provides tailored insurance strategies for estate planning, income replacement, and business succession. He prioritizes building long-term, multigenerational relationships with his clients and their families. Before entering financial services in 2003, Steven served as a Naval Officer for 11 years, flying the F-14 Tomcat, and continued his service as a reservist in the U.S. Navy for another 12 years, retiring as a Commander in 2010. His financial career began at MassMutual Life Insurance Company and Smith Barney before joining Merrill Lynch in 2009. He holds an Associate's Degree from the College of San Mateo and a Bachelor's Degree from San Diego State University, and he is a Personal Investment Advisor (PIA). Outside of work, Steven enjoys landscape photography and staying active through activities such as CrossFit, running, skiing, and backpacking. He lives in the Carmel Valley neighborhood of San Diego with his wife Tamara and their four children, raising twin sons and cherishing time with their older daughters.

Hector Ramirez is a financial advisor with Primerica Advisors in Chula Vista, CA, holding Series 63 and Series 66 licenses and eight years of industry experience. His prior work includes roles at Century 21 Award, Edward Jones, and Berkshire Hathaway Home Services. He holds a real estate license in California, currently inactive. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, offering model-delivery strategies and separately managed account options primarily to individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Lisett Didonatoyoung is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses. She has 27 years of industry experience, including over a decade at UBS Financial Services and UBS International Inc. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, offering fee-based financial planning, portfolio management, and alternative investment products. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client strategies.

Ivan Rodriguez is a financial advisor with Charles Schwab, holding a Series 66 designation and 14 years of industry experience. His prior roles include positions at LPL Financial and Altegris Investments. He is currently based in San Diego, CA. 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. The firm offers a combination of non-discretionary advisory guidance and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a formal alternative investment process.

Amethyst Lewis is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 credential and six years of industry experience. Her career includes roles at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2020. She also served with Tohi Care Homes, Inc. from 2016 to 2021. Morgan Stanley Wealth Management provides advisory programs and financial planning services to both individuals and institutional clients, leveraging firm-approved tools and strategies such as Monte Carlo simulations and Secular Return Estimates to support tailored planning.

Kevin Yoneda is a financial advisor with Osaic Wealth, Inc. He holds Series 63 and Series 65 designations and has 30 years of industry experience. Prior to joining Osaic in 2023, he spent 14 years at Sagepoint Financial, Inc. Yoneda is also a partner at Independent Capital Management, where he has been involved for over 25 years. He serves as trustee and power of attorney for his mother’s financial and personal affairs. Osaic Wealth, Inc. serves a diverse client base that includes retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisers and multiple platforms. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios across various asset classes, and supports both discretionary and non-discretionary account management.

Blake Dorvillier is a financial advisor at LPL Financial with six years of industry experience. He holds a Series 66 designation and has previously worked at Jones Lang LaSalle and Symbio Financial Partners, among other roles. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors and emphasizes both advisory and non-advisory financial activities.

Joel Rohn is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. He worked at Edward Jones from 2010 to 2013 before joining LPL Financial in 2013. Outside of his advisory role, he is the president and proprietor of JL Rohn Investments, Inc., an investment-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice delivered primarily by its network of investment adviser representatives using a range of strategies and research tools.

Jennifer Casselberry is a financial advisor with Cetera, holding a Series 66 designation and 15 years of industry experience. Her career includes roles at multiple Cetera entities since 2021 and prior experience with LPL Financial and Independent Financial Group. Outside of her advisory work, she has been a contract driver for Lyft since 2017. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various portfolio management options, combining discretionary and non-discretionary approaches, and manages over $256 billion in assets across more than 10,000 advisors.

Yueh Ling Hsiung is a Series 66-licensed financial advisor with UBS Financial Services in San Diego, CA, and has four years of industry experience. Prior to joining UBS in 2021, Yueh worked in various roles including at Villa Rancho Bernardo and Nekter Juice Bar. UBS Financial Services serves individual, corporate, and institutional clients with a range of brokerage and advisory services, combining institutional trading capabilities with wealth management through proprietary research and model-based asset allocations.

Michael Lord is a financial advisor with Cetera Wealth Services, LLC in San Diego, CA, holding a Series 66 designation and bringing 20 years of industry experience. He has previously worked with Avantax Advisory Services and 1st Global Advisors, Inc. Outside of financial advising, he serves as CFO and Treasurer for Lord Insurance Group, Inc. and has a longstanding role as a paraplanner at Armstrong, Fisch & Tutoli Law Firm. Cetera Investment Advisers LLC is an SEC-registered firm that supports over 10,000 independent advisors and serves a broad client base, including individuals, retirement plans, and institutional accounts. The firm offers a multi-manager platform with a variety of portfolio management options, combining discretionary and non-discretionary authorities across multiple program structures.

Skyler Mc Curine is a financial advisor at Edward Jones in San Diego, CA, holding Series 63 and Series 65 licenses with four years of industry experience. Prior to joining Edward Jones in 2022, Skyler worked at Bank of America and Merrill. Outside of finance, Skyler owns Le Red Balloon, a coaching and professional development business, and is involved in commercial modeling through San Diego Model Management. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs, managing approximately $1.01 trillion in assets and operating a large nationwide network of financial advisors and branch offices.

Ronald Warner is a financial advisor with Cetera, holding a Series 66 credential and 20 years of industry experience. He has been with Cetera and its affiliate Cetera Wealth Services, LLC since 2013. Outside of his advisory role, he serves as treasurer for the San Diego Business Group, a local networking organization. Cetera Investment Advisers LLC is an SEC-registered firm serving a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with various investment strategies and program options, supported by a nationwide network of more than 10,000 advisors.

David Bigler is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 29 years of industry experience. His prior experience includes 20 years at UBS Financial Services and a one-year tenure at Arb. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes structured planning processes and a broad range of advisory programs.

Bobby Ho is a financial advisor with Merrill in La Jolla, CA, holding Series 63 and Series 66 licenses and possessing 20 years of industry experience. His work history includes roles at Bank of America, N.A., Merrill, and TD Ameritrade Inc. Merrill, along 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 model-based and discretionary investment strategies for a range of clients including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Eram Qureshi is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and three years of industry experience. Prior to Merrill, she worked at Bank of America and JP Morgan Chase. She serves as a co-trustee of a family trust. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Alexander Galantino is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation. He joined Edward Jones in 2025 and has prior work experience in the technology and payroll sectors, including roles at Paycor, Oracle NetSuite, and FIS. 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 solutions, supported by a large national network of financial advisors and branch offices.

Michael Callahan is a Senior Financial Advisor and Portfolio Manager at Merrill Lynch Wealth Management. He has been in the financial services industry for over 30 years and joined Merrill Lynch in 2008. Prior to this, he served as an Associate Branch Manager at Citi Group Smith Barney. His professional focus areas include portfolio management services, women and wealth, and retirement income. Michael holds a Bachelor of Arts degree in English Literature from San Diego State University and a Teaching Credential with a Cross Cultural Bilingual Emphasis from the same institution. He is registered with FINRA under Series 65, 63, 31, 7, 8, and SIE, and holds the Personal Investment Advisor (PIA) designation. Fluent in Spanish, Michael integrates his language skills to serve a diverse client base. Outside of his professional career, Michael enjoys a variety of personal interests including antiquing, basketball, football, gardening, music, spending time with family, traveling, watching movies, and writing. He has been married for 39 years.