Braden Botkin is a CFP® and CFA® with 18 years of industry experience. He has worked at LPL Financial since 2019 and previously spent 11 years with Madison Avenue Securities, Inc. He operates a business under the name Botkin Investment Services in San Diego, CA. 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.

Paul Miller is a Series 63 licensed financial advisor with Morgan Stanley in San Diego, CA, and has 33 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. He serves on the San Diego State University Alumni Advisory Board. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm provides tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Usman Ahmed is a financial advisor at J.P. Morgan Securities with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Chase Bank and J.P. Morgan Securities since 2012. Prior to that, he was employed by DoorDash from 2016 to 2018. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

David Bretz is a CFP® professional with 27 years of industry experience, currently affiliated with Cetera. He has worked at Cetera and its related entities since 2013 and is owner and president of Everstead Financial Group, a financial services firm. Bretz also serves as president of Bretz Financial Group, which focuses on tax and expense management, and holds a role as an insurance agent for fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.

Jason Lyons is Vice President and Branch Leader at Fidelity Investments, a position he has held since 2023. In this role, he focuses on understanding client needs through planning and helping wealth management teams create customized strategies. His objective is to help clients gain confidence in their financial plans to support their life goals. Prior to joining Fidelity Investments, Jason served as Branch Manager at E*TRADE from Morgan Stanley from 2009 to 2023. He holds a California Insurance License. Outside of his professional work, Jason has interests in biking, fitness, gardening, parenthood, pets, and surfing.

Heath Haggerty II is a financial advisor with LPL Financial in La Jolla, CA, holding one year of industry experience. He has also operated HJH Professional Services, Inc., doing business as Pacific Beach Tax Center, since 2014. 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, supported by a large network of investment adviser representatives.

Aaron Montez is a CFP® professional with 26 years of industry experience currently affiliated with LPL Financial. His previous roles include positions at Lincoln Financial Advisors Corporation and Equitable Advisors, spanning nearly two decades. Montez also maintains involvement with several business entities for tax and investment purposes outside of his advisory work. 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, supported by a network of over 22,800 advisors and advanced operational tools.

Alvaro Macias Gonzalez is a financial advisor at Charles Schwab with four years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Charles Schwab since 2023, previously employed at TD Ameritrade from 2021 to 2023. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, using multi-asset model portfolios and centralized operational and supervisory structures.

Eric Anderson is a financial advisor with Merrill in La Mesa, CA, holding a Series 66 designation and 11 years of industry experience. He has been with Merrill and Bank of America, N.A. since 2008. Merrill serves a diverse client base including individuals, retirement plans, corporations, and institutional clients, offering managed account programs, third-party manager selection, discretionary portfolio management, brokerage execution, and custody services. The firm integrates closely with Bank of America affiliates and emphasizes managed account and manager-selection capabilities supported by tax-focused investment strategies.

Scott Hollaender is a Series 66-registered financial advisor at UBS Financial Services with 22 years of industry experience. He has been with UBS since 2011. Outside of his advisory role, he serves on the Board of Directors for Junior Achievement of San Diego, participating in efforts to teach children financial literacy. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and delivers advisory work supported by proprietary research and model-based asset allocations.

Monica Piepenkotter is a Private Wealth Advisor at Merrill Private Wealth Management with over 25 years of experience in comprehensive private wealth management strategies. She works closely with high-net-worth individuals, families, and non-profit institutions to develop personalized financial plans that integrate investment management, estate planning, and family dynamics. Monica's approach involves coordinating with clients' tax and legal advisors to align their wealth with their goals and values. Her professional background includes roles in derivative risk management and equity portfolio management, supporting a breadth of sophisticated financial needs. Monica holds a Master's degree and a Bachelor's degree from the University of Wisconsin-Madison. She is both a Chartered Financial Analyst (CFA) charterholder and a CERTIFIED FINANCIAL PLANNER (CFP) professional. Monica has been actively involved in community organizations, serving as a Board Member for Girl Scouts San Diego. Outside of her professional role, she enjoys boating, cooking, pickleball, reading, running, spending time with her family, and traveling.

Patrick Herrington is a CFP® with 17 years of industry experience. He is currently affiliated with Edward Jones, where he has worked since 2025. Prior to that, he spent 17 years at LPL Financial. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a broad range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Moustafa Madkaur is a financial advisor at LPL Enterprise with two years of industry experience. He previously worked at Edward Jones, City National Bank, and First Republic Bank. Outside of advising, he owns Mediterranee Catering, a catering business based in San Diego. LPL Enterprise provides investment advisory and brokerage services to a wide range of clients including individuals, high-net-worth investors, retirement plans, banks, and charitable entities. The firm uses model-driven investment strategies and offers access to third-party asset managers, financial planning, and various affiliated financial services.

Luis Camou is a financial advisor at Morgan Stanley with seven years of industry experience. He holds a Series 66 designation and previously worked at Actinver Securities, Inc., TRANS Network LLC, R.L. JONES, and Tecnologico de Monterrey. He has been with Morgan Stanley since 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning, managing approximately $2.74 trillion in client assets.

Ivy Edmunds is a Series 66 licensed financial advisor with UBS Financial Services in San Diego, CA, bringing 14 years of industry experience. She has been with UBS since 2009. Outside of her advisory work, she is involved with CorePower Yoga. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering proprietary research, underwriting, and securities-backed lending programs.

Jada Coleman is a financial advisor at Merrill with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated since 2006. Outside of her advisory role, she works part-time in retail positions, including at Ascena Retail Group and previously at Target Corporation. 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 institutions.

Andrew Zimmer is a financial advisor with LPL Financial, holding Series 65 and Series 63 licenses and having 13 years of industry experience. He has been with LPL Financial since 2015 and also worked at Overland & Shanahan from 2015 to 2021. Outside of financial advising, he owns Sidepod Gaming, LLC, and the online business Little Italy Pickleball Club. 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 range of advisory and brokerage services, employing strategies that include model portfolios, third-party asset management, and customized allocations, supported by technology tools for operational and research purposes.

Nicholas Kolata is a Series 66-licensed financial advisor at Edward Jones with 12 years of industry experience. He previously worked at Bank of America (Merrill Lynch), Priority Financial Group, and MUFG Union Bank. He is based in Chula Vista, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jacob Allred is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and three years of industry experience. Prior to joining LPL Financial, he was involved in several educational roles from 2014 to 2022. Outside of his advisory work, he manages aircraft operations for a family business through Allred Klein Enterprises, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual clients, 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.

Amanda Smith is a financial advisor with Raymond James Financial Services Advisors, Inc. based in San Diego, CA. She holds a Series 66 designation and has four years of industry experience. Prior to joining Raymond James in 2025, she held positions at firms including Kestra Advisory Services and Northwestern Mutual Investment Services. Outside of finance, she works as an independent contractor with Tinseltones by Tomlinson, a holiday caroling group. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, institutions, and charitable organizations. The firm emphasizes tailored, non-discretionary advisory services using analytical tools to support client goals and maintains unique offerings such as municipal advisory services and SIMPLE IRA employer consulting programs.