Arthur Peredo Muniz is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 23 years of industry experience. His prior work includes positions at Citigroup Global Markets, Citicorp Investment Services, and A. G. Edwards & Sons, Inc. Muniz is also involved with Muniz Consulting, Inc., a business related to non-variable insurance products. 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, combining advisory services with a broad range of financial activities.

Gregg Palmer is a financial advisor at UBS Financial Services with 29 years of industry experience. He previously worked at First Republic Bank and its affiliated investment firms from 2011 to 2023. Palmer holds Series 63 and Series 65 licenses and is based in La Jolla, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory offerings, including fee-based financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Michael Curry is a financial advisor at Morgan Stanley with nine years of industry experience. He holds a Series 66 designation and has previously worked at UBS Financial Services. Outside of his advisory role, he serves as an officer for the PIHRA West Los Angeles Chapter, a civic organization. Morgan Stanley Wealth Management provides advisory programs and financial planning services to individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and analytical tools but does not offer individual security recommendations as part of standalone plans.

Joshua Perri is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan and its affiliated entities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to clients including corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, delivering these services through a team of Wealth Advisors.

Jonathan Isaac is a financial advisor with Osaic who holds Series 63 and Series 66 designations and has 27 years of industry experience. He previously worked at SagePoint Financial, Inc. from 2009 to 2023 and has been affiliated with Independent Capital Management since 1999. Outside of advisory services, he is involved in mortgage origination and serves as a certified estate planner referring clients for estate planning services. Osaic Wealth, Inc. serves a mix of retail and institutional clients through a broad network of affiliated advisers, offering integrated brokerage, investment advisory, financial planning, and retirement consulting services. The firm employs various portfolio construction tools and provides access to third-party money managers and managed account solutions.

Patricia Bothmer is a financial advisor with RBC Capital Markets based in La Jolla, CA. She holds Series 63 and Series 65 registrations and has 33 years of industry experience. Her career includes roles at RBC Capital Markets since 2011 and City National Bank since 2017. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutions, pension plans, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, tailored strategies based on client risk profiles, and access to a broad range of investment managers and products.

Linda Hunt is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with nine years of industry experience. She has been with Morgan Stanley since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and models.

Patricia Bribiesca is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and bringing 25 years of industry experience. She previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides proprietary research and capital markets solutions.

Patricia Fleming is a CFP®-designated financial advisor with 37 years of industry experience, currently affiliated with LPL Financial in San Diego, CA. Her prior roles include positions at Waddell & Reed, various insurance carriers, and leadership at Lumena Financial Strategies, Inc. She also served on the Women In Blue Executive Cabinet from 2019 to 2021. 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 financial planning and portfolio management services, combining advisory platforms with extensive non-advisory financial activities.

Jeffrey Naiman is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2004. Outside of advisory work, he is involved in non-variable insurance activities, including a role at Treble Financial. 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 services, including financial planning, model portfolio programs, and institutional platforms, supported by research-based investment strategies and technology tools.

Richard Whalen is a financial advisor at UBS Financial Services with 42 years of industry experience. He has been with UBS since 2008 and holds Series 63 and Series 65 licenses. Whalen has also served on a committee overseeing foundation assets for the Scottsdale Boys & Girls Clubs Foundation. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management services and offers access to proprietary research and capital markets solutions.

Dan Atkin is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and previously worked in various roles including six years at Sunstate Equipment Co. and positions at Mona Lisa Italian Foods and San Diego State University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, multi-manager structures, and regulatory registrations that support its advisory role across multiple registered investment companies.

Fany Hirales is a CFP®-designated financial advisor with 16 years of industry experience, currently serving at OSAIC since 2023. Previously, she worked at SagePoint Financial and Independent Capital Management for 13 years. She is also the owner of Hirales Wealth Solutions, an LLC involved in administrative activities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services using asset allocation tools, risk tolerance assessments, and multiple investment strategies across discretionary and non-discretionary accounts.

Allyson Flournoy Wooten is a financial advisor at LPL Financial with four years of industry experience. She holds a Series 66 designation and previously worked at Chatmeter and The Active Network. Based in San Diego, CA, she operates under the business name Flournot Wealth Management. 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, including financial planning, model portfolio programs, and institutional platforms, supported by advanced research tools and a large network of over 22,800 advisors.

Morgan Ryan is a Wealth Management Planning Consultant at Fidelity Investments. In this role, Morgan partners with clients to develop and implement comprehensive wealth strategies focused on growth, preservation, and transfer of wealth, guided by clients' values and priorities. Morgan has been with Fidelity Investments since 2015, initially serving as a Relationship Manager before transitioning to the current consultant role in 2017. Morgan holds a California Insurance License, supporting the ability to provide informed financial planning and advice.

Loc Vo is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Bank of America, Vinfast, SagePoint Financial, Independent Capital Management, and HSBC. Outside of advisory work, he is a co-owner of family-run rental property investments. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Martha Berumen is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63, 65, and 66 licenses and with 17 years of industry experience. She has worked at Morgan Stanley and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and offers a wide range of retail and institutional investment products.

Jose Lopez is a financial advisor at Morgan Stanley with six years of industry experience. His career includes positions at Wells Fargo Bank NA and Wells Fargo Clearing Services LLC before joining Morgan Stanley Smith Barney LLC in 2022. Lopez holds Series 63 and Series 66 licenses and is based in San Diego, CA. 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, including tailored financial planning using firm-approved tools and models, and manages approximately $2.74 trillion in client assets.

Layla Kouriri is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and having eight years of industry experience. Her prior roles include positions at RBC Capital Markets, TD Ameritrade Institutional, Lyft, and Pacific Beach Restaurant Group. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a broad range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Evan Thomas is a financial advisor with OSAIC in San Diego, CA. He holds the Series 66 designation and has been with OSAIC since 2025. His prior work experience includes roles at Klir, Netomi, SiteLock, Zingle, Speak Inc., and ADP. OSAIC Wealth, Inc. serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services, utilizing a variety of tools and platforms to offer customized portfolio management and third-party solutions.