Joseph Morse II is a CFP® professional with 33 years of experience in the financial industry. He has worked at LPL Financial since 2019 and previously held roles at Wells Fargo Advisors Financial Network LLC and Citigroup Global Markets. He also operates a wealth management business affiliated with his LPL practice in La Mesa, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions, utilizing model portfolios, third-party subadvisors, and customized strategies.

Julio Olague is a Series 66-licensed financial advisor with LPL Financial in San Diego, CA, with five years of industry experience. He has worked at LPL Financial since 2018, following positions at Aerotek and Allstate. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Michael Valentini is a financial advisor at J.P. Morgan Securities with four years of industry experience. He holds Series 65 and Series 66 licenses and previously worked at Bank of America and Merrill Lynch. Outside of his advisory role, Valentini performs occasionally as a bassist with a corporate and wedding band. 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 searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates an ESG eligibility framework in its recommendations.

Travis Makings is a financial advisor with LPL Financial in San Diego, CA, holding Series 66 and Series 63 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2011. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions, offering a range of advisory and brokerage services including financial planning and model portfolio programs.

Holly Peterson Hall is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been with Ameriprise since 2005, working across multiple affiliated entities within the firm. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on retirement income, utilizing a centralized team that collaborates with the client’s advisor while relying on proprietary research and third-party data.

Thomas Wyckoff is a CFP® and CFA® credentialed financial advisor with 16 years of industry experience. He is currently with LPL Financial, where he has worked since 2020. Prior to this, he held roles at Validus Growth Investors, Pinhook Capital, Lucia Securities, and Lucia Capital Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions through a large network of advisers, utilizing various portfolio strategies and technology tools.

Dominic Mares Do is a financial advisor at Equitable Advisors with a Series 66 designation and one year of industry experience. Prior to joining Equitable Advisors in 2025, he worked in education at Cal Poly-San Luis Obispo, Pasadena High School, and Singapore American School. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm uses a range of third-party advisory programs and emphasizes matching clients’ risk tolerance with appropriate investment models and managers.

Carmel Spiteri is a financial advisor at Cambridge Investment Research Advisors with 16 years of industry experience. She holds a Series 65 credential and has been with Cambridge since 2014. In addition to her advisory role, Spiteri is an instructor for the California Association of Realtors and an adjunct professor at Woodbury University. She also has a longstanding role as a branch manager at Benchmark Mortgage. Cambridge Investment Research Advisors serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, providing financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm manages assets across multiple platforms and custodians, offering both discretionary and non-discretionary management as well as proprietary model strategies.

Javier Leon is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and four years of industry experience. He previously worked at Westmont Retirement Living for one year before joining LPL Financial in 2017. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and other institutions, offering a range of financial planning, asset management, and institutional platforms.

Thomas Mcmullen is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. Prior to joining UBS in 2013, he worked at Citigroup Global Markets for six years. Outside of his advisory role, he contributes to a small family-run gourmet popcorn business. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to tailor plans based on proprietary research and model-based asset allocations.

Austin Tipp is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding a Series 66 credential and five years of industry experience. His prior work includes roles at First Republic Bank and First Republic Securities Company. He also serves as an officer in the U.S. Navy Reserve. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a select group of Wealth Advisors, offering non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Edward Gabrielyan is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and three years of industry experience. Prior to joining UBS in 2022, he worked at Peregrine Music and has been self-employed since 2017. Outside of his advisory role, he occasionally works as a pianist, performing at restaurants and tutoring students. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings that include fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor financial plans.

Michael Judge is a Wealth Management Advisor at Merrill Lynch Wealth Management. He focuses on offering a comprehensive approach to managing wealth that begins with getting to know a client and their family, financial situation, and what matters most to them. He helps clients create customized wealth management approaches that can adapt as their needs and market conditions change. Michael provides access to the investment insights of Merrill and the banking convenience of Bank of America to address various aspects of clients’ financial lives. With over a decade of experience, Michael is a CERTIFIED FINANCIAL PLANNER® professional who serves a clientele requiring detailed attention and extensive knowledge. His expertise includes corporate executive services, executive compensation, family wealth management strategies, investment consulting for defined contribution plans, legacy planning, liquidity management, socially responsible investing, individual and corporate investment strategy, tax minimization, and retirement income planning. Michael holds a Bachelor's Degree from the State University of New York System and holds the professional designations of CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA). His personal interests include adventure sports, baseball, fishing, ice hockey, music, racquetball, soccer, spending time with family, surfing, and traveling.

Paul Curnutte is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at LPL Financial since 2007 and previously spent seven years at Merrill. Outside of his advisory role, he is a member and business owner of Townes & Co, a non-investment-related home-based venture. 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 and third-party asset management, supported by a large network of investment adviser representatives.

Monette Marino is a Senior Financial Advisor at Merrill Lynch Wealth Management, having joined the firm in 2012. She works alongside the Buchanan/Sims/Essick/Marino & Associates Team, focusing on portfolio strategy, asset allocation, retirement planning including 401k and IRA services, estate planning, charitable giving, home refinancing, and custom lending (NMLS#1073810). Ms. Marino collaborates with specialists across Bank of America banking services and Merrill Lynch Wealth Management to provide clients with comprehensive services and tailored recommendations. Ms. Marino has over 20 years of experience as the CEO of a non-profit arts corporation and as the owner of a music production company in San Diego. She applies her expertise to assist clients in planning and achieving financial goals through asset and liability strategies in both personal and business affairs. She holds professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). A third-generation native of San Diego, Ms. Marino earned her Bachelor's Degree from the University of California system and her Master's Degree from the California State University system. She is fluent in English, French, and Italian. Outside of her professional work, she is involved with the Mo'Rhythm School of Percussion and participates in community initiatives such as SPOT Saving Pets One at a Time. Her personal interests include dancing, music, painting, running, skiing, and watching movies.

Michael Bacci is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 27 years of industry experience. His prior roles include positions at Royal Alliance Associates and Wealth Management Concepts, Inc. Outside of his advisory work, he is involved with United Christian Youth Camp in Prescott, AZ. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Peter Huffman is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2008. He specializes in comprehensive wealth management with a focus on Behavioral Finance and how financial and investment decisions affect individuals and families. His expertise encompasses family wealth management strategies, philanthropic planning, socially responsible investing, and liquidity management among other areas. Before joining Merrill Lynch, Peter spent five years in Africa and Asia working in managerial roles for the Clinton Health Access Initiative (CHAI), including serving as Country Director for Ethiopia where he managed one of the largest HIV/AIDS care and treatment programs worldwide. He also acted as the principal liaison for official visits by former President William J. Clinton to Africa. Peter is engaged in philanthropy through board service and co-founding a nonprofit focused on youth empowerment and health services in South Africa and Ghana. Peter holds a bachelor's degree in psychology from Willamette University in Salem, Oregon and is a Personal Investment Advisor. He has been recognized as a Top 1200 Financial Advisor by Barron's, a Best in State Wealth Advisor by Forbes, and included in On Wall Street's Top 40 Under 40. Peter lives with his wife and their two children.

Andrew Null is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity Investments since 2013, progressing through various roles including Financial Consultant, Investment Consultant, Investment Solutions Representative, and Service Trader. Throughout his career, Andrew has focused on assisting clients in achieving their financial goals while helping them avoid common pitfalls. He holds a California Insurance License, which supports his work in providing comprehensive financial advice. Andrew is committed to building trust and confidence with his clients as he guides them through their financial planning journeys.

Samuel Bever is a financial advisor with Raymond James & Associates, holding a Series 66 designation and ten years of industry experience. His career includes roles at Merrill, Forge Markets LLC, and Raymond James, where he has worked since 2020. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and consulting with a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Rufino Autus is a financial advisor with Equitable Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and more than 30 years of industry experience. His previous roles include positions at E*Trade Securities, E*trade Capital Management, Citigroup Global Markets, and Centaurus Financial. He also serves as a trustee for his own family trust. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a wide range of clients, including individuals, pension plans, corporations, and charitable organizations. The firm utilizes various advisory programs and third-party asset managers to tailor investment solutions, offering mutual funds, ETFs, separately managed accounts, and alternative investments.