Stephen Cote is a Senior Financial Advisor with Merrill Lynch Wealth Management. He provides proactive financial advice and guidance to help clients manage their goals, focusing on retirement planning, investment selection, and cash management. Stephen works with affluent individuals, families, and business owners to manage, preserve, and grow their wealth in a tax-efficient manner, addressing areas such as executive compensation, legacy planning, family wealth management strategies, socially responsible investing, and retirement income. Stephen has obtained the Certified Portfolio Manager (CPM®) designation through a collaboration between the Academy of Certified Portfolio Managers and NYU Stern. He also holds the Chartered Retirement Planning Counselor™ (CRPC™) designation, emphasizing the pre- and post-retirement needs of individuals, in addition to the Personal Investment Advisor (PIA) credential. He earned a bachelor's degree from Roger Williams University. Residing in La Jolla, California, Stephen maintains a residence in the Bay Area. In his personal time, he enjoys outdoor activities including golf, volleyball, running, baseball, cooking, fishing, and competition. He is also committed to community involvement, volunteering with organizations in the communities he serves.

Victoria Sazunic is a financial advisor at Morgan Stanley with seven years of industry experience and holds the Series 66 designation. She has been affiliated with Morgan Stanley since 2003 and has served on the board of San Diego Civic Theaters since 2005. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide array of advisory programs to individual and institutional clients, providing tailored financial planning and managing approximately $2.74 trillion in client assets.

Cindy Le is a financial advisor at LPL Financial with 12 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo and San Diego County Credit Union prior to her current role. Cindy also serves as a Regional Manager at San Diego County Credit Union. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives, offering a range of advisory programs and financial planning services.

Erin Arellano is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and bringing 24 years of industry experience. She has been with LPL Financial since 2014. Outside of her advisory role, she owns a transportation business that serves disabled adults and is a tax preparer and enrolled agent. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, supported by in-house and third-party research and technology-driven portfolio strategies.

Peter Mc Mahon is a financial advisor at OSAIC with 21 years of industry experience. He holds the CFP® designation and Series 63 and 66 licenses. His prior roles include positions at Lincoln Financial Advisors and J.P. Morgan Securities. In addition to his advisory work, he is licensed as an insurance agent offering disability and traditional life insurance as well as fixed and indexed annuities. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and investment advisory services with a range of portfolio construction tools and access to third-party money managers and managed-account solutions.

Lisa Koyama is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. She previously worked at Wells Fargo Clearing and several firms within the Cetera network, among others. She is also a licensed notary public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and third-party research to support diversified investment strategies.

Michelle Gray is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. She has been with Morgan Stanley and its Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and offers financial plans developed through a structured process using firm-approved tools.

Kristin Krueger is a financial advisor at Edward Jones with three years of industry experience. She holds the Series 66 designation and has a background that includes service in the United States Navy for 20 years, as well as roles at Booz Allen Hamilton and Big Block Realty. 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, managing approximately $1.01 trillion in assets with a network of around 23,701 financial advisors and 15,121 branch offices nationwide.

Colin Parker is a financial advisor at UBS Financial Services in La Jolla, CA, holding a Series 66 designation with 11 years of industry experience. He previously worked at Merrill from 2012 to 2016 and has been with UBS since 2018. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor strategies to client goals and risk tolerances.

Phillip Nuttall is a CFP® professional with 15 years of industry experience, currently affiliated with LPL Financial in San Diego, CA. His prior work includes roles at Stratos Wealth Advisors, Capital One Investing, and HSBC Bank USA. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a diverse client base including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management supported by proprietary research and third-party subadvisors.

Dunyong Wen is a financial advisor at Cetera with six years of industry experience. He holds the Series 66 and Series 63 licenses. His prior experience includes roles at Bank of America, Merrill, Nylife Securities LLC, and Industrial Bank of China (Wuhan Branch). Cetera Investment Advisers LLC serves individuals, employer-sponsored retirement plans, corporations, charitable clients, and institutional accounts through a multi-manager platform offering discretionary and non-discretionary portfolio management, financial planning, and access to various third-party money managers.

Bryce Morley is a financial advisor at LPL Financial with one year of industry experience. He holds a Series 66 designation and has previously worked at One Pacific Financial Strategies and Emerson Equity. Prior to his advisory career, he was involved with Curl Market and has a background that includes studies at The Ohio State University. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management supported by research and technology-driven strategies.

Ian Currier is a financial advisor with Fidelity Investments based in San Diego, CA, holding Series 63 and Series 66 licenses and having eight years of industry experience. His previous roles include positions at Wells Fargo Bank, N.A., and Wells Fargo Clearing Services LLC. He works within Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm utilizes a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage and advise on diversified portfolios.

William Dutton is a financial advisor with OSAIC based in San Diego, CA, holding Series 63 and Series 66 registrations and over 25 years of industry experience. He previously worked at Woodbury Financial Services, San Diego County Credit Union, and LPL. Outside of finance, he is a bandleader and musician for the Rockin Jazz Big Band, a 20-piece ensemble performing at various events. OSAIC serves retail and institutional clients through a broad network of financial advisers, offering brokerage and investment advisory services, financial planning, and access to third-party money managers. The firm employs asset allocation tools and automated rebalancing to construct diversified portfolios, managing accounts on both a discretionary and non-discretionary basis.

Michelle Colombo is a financial advisor at RBC Capital Markets with 26 years of industry experience. She holds the Series 63 and Series 65 designations and has been with RBC Capital Markets since 2016. Outside of her advisory role, she is involved with LiamFinn - Allford Wealth Strategies, a support company unrelated to investment activities. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers multiple advisory programs that provide portfolio management, financial planning, custody, and brokerage services tailored to clients’ risk profiles.

Madeleine Bricken is a financial advisor at UBS Financial Services with eight years of industry experience. She holds the Series 66 designation and has worked at UBS since 2017. Prior to her advisory career, she attended Denison University from 2013 to 2017. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and offers proprietary research and affiliated banking programs.

Karen Sennes is a financial advisor at Merrill with 32 years of industry experience. She holds Series 63 and Series 66 designations and has worked at Merrill since 2009 and Bank of America since 2011. Outside of her advisory role, she serves as a consultant and independent contractor for FML Enterprises, LLC. 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 strategies for a range of individual and institutional investors.

Travis Harrington is a CFP® professional with 22 years of industry experience, currently serving at J.P. Morgan Securities. He has been with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Damon Snell is a CFP® professional with 19 years of industry experience, currently serving as a financial advisor at Morgan Stanley in La Jolla, CA. Prior to his current role beginning in 2022, he was with E*TRADE Capital Management LLC and E*TRADE Securities LLC from 2011 to 2020. Outside of advising, he is involved in managing rental property, which is handled primarily by his wife. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm employs structured planning tools and a broad range of investment services, including both retail and institutional offerings.

Kelli Winslow is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. She has been with LPL Financial since 2005. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.