Jesse Menashe serves as a Senior Financial Advisor at Merrill Lynch Wealth Management. He joined the team in 2015, contributing to both financial advising and the firm's business development, marketing, and administrative efforts. Jesse focuses on areas such as employee benefits planning, executive compensation, equity compensation services, and investment consulting for defined contribution plans, among others. He holds a Bachelor of Science degree in business marketing from Arizona State University and has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Jesse applies his education and experience to assist clients in leveraging financial opportunities. Outside of his professional work, Jesse engages in activities such as chess, golfing, hiking, and music, with a particular interest in playing guitar and composing and recording music.

Peter Falk is a financial advisor with OSAIC based in La Jolla, CA, holding a Series 66 designation and 25 years of industry experience. Before joining OSAIC in 2025, he spent 25 years with Lincoln Financial Advisors Corp. He serves as co-director of education for the San Diego-based nonprofit Scope Institute, which provides educational events for business owners. He is also a trustee designated for a family trust. OSAIC Wealth serves a diverse clientele including retail investors, retirement plans, charities, and corporations, offering brokerage and advisory services through a multi-advisor platform. The firm utilizes a model-based investment approach incorporating asset allocation, portfolio optimization, and third-party management options.

Patrick Kearney is a Senior Financial Advisor with Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA), reflecting his commitment to providing tailored investment guidance. Patrick earned a Bachelor's Degree from San Diego State University. His educational background, combined with his professional experience, supports his role in delivering comprehensive financial advisory services.

Mark Yackey is a financial advisor with Charles Schwab, holding a Series 66 designation and over 10 years of industry experience. He has been with Charles Schwab and Charles Schwab Bank SSB since 2015 and 2016, respectively. He is based in La Jolla, 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 client relationship model that combines non-discretionary advisory guidance with access to discretionary separately managed accounts, supported by centralized supervisory, custody, and order-routing systems.

Jason Silberstein is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing 21 years of industry experience. He has worked at Wells Fargo since 2016, after previous roles at Morgan Stanley and Merrill. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data.

Marc Phillipe Mongeon is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Merrill, TD Ameritrade, and RBC Capital Markets. He is based in Ramona, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes specialized regulatory registrations supporting broader derivatives and commodities capabilities.

Rita Sanchez is a financial advisor with Morgan Stanley in La Jolla, CA, holding the Series 63 and Series 65 licenses and bringing 27 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by firm-approved tools and modeling techniques.

Oliver Polo is a Wealth Management Advisor at Merrill Lynch Wealth Management and a partner with the Mohler Polo Mofty Group based in Del Mar, California. He has been in the financial advisory industry since 2007, providing services to a select group of families and businesses. Oliver's approach involves developing a clear understanding of his clients' financial situations, goals, timelines, and risk tolerances to create personalized and efficient financial strategies. He regularly reviews these strategies to adapt to clients' changing circumstances. Oliver's areas of expertise include portfolio management, investment analysis, market-linked investments, alternative investments, and various client focus areas such as corporate executive services, family wealth management strategies, LGBT wealth planning, philanthropy, socially responsible investing, tax minimization, and retirement income. He holds several professional designations including the Chartered Financial Analyst (CFA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Oliver is a graduate of San Diego State University, where he earned a Bachelor's Degree with an emphasis in Finance. He is fluent in Spanish and engages with professional organizations such as the CFA Society San Diego. Beyond his professional life, Oliver is involved in community organizations including Feeding San Diego and Junior Achievement. He has a variety of personal interests including basketball, boxing, dancing, hiking, music, reading, soccer, spending time with family, watching movies, and practicing yoga.

Todd Trusso is a financial advisor at J.P. Morgan Securities with 28 years of industry experience. He holds Series 63 and Series 65 designations. His prior experience includes roles at Altegris Investments, PRUCO Securities, and Capital Investment Advisors. He serves as Secretary and is a member of the finance committee on the Board of the Boys and Girls Club of Northwest San Diego. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary advice focused on asset allocation, investment manager searches, and customized performance reporting. The firm’s advisory process uses centralized due diligence and combines quantitative and qualitative research to build model asset allocations.

Stephane Hpay is a financial advisor with Cetera holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked at Cetera since 2021 and previously spent seven years with VOYA Financial Advisors. Outside of his advisory role, he is also an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable entities, 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.

Glenn Mazzone is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 39 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009. 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 and integrates structured discovery conversations with firm-approved planning tools.

Kristel Jocson is a financial advisor at Wells Fargo Clearing with 13 years of industry experience. She holds a Series 63 designation and has worked at Wells Fargo Clearing since 2017, following five years at J.P. Morgan Securities. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm’s IPS-driven advisory process incorporates modern portfolio theory and offers both discretionary and non-discretionary services tailored to plan objectives, demographics, and risk tolerances.

Sacha Mackels is a CFP® and ChFC® with 14 years of experience in financial services. He is affiliated with Cetera and has previously worked with Securian Financial Services and Minnesota Life Insurance. Mackels is also the owner of Mackels Advisory and Planning LLC, an expense management business. Cetera Investment Advisers LLC serves a broad client base including individual investors, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing multiple program structures and access to both affiliated and third-party investment managers.

Zackery Bertrand is a CFP®-certified financial advisor with ten years of industry experience, currently with OSAIC since 2025. He previously worked at Lincoln Financial Advisors for nine years. Outside of advisory work, he is also licensed as an insurance agent offering accident and health insurance, disability insurance, fixed/indexed annuities, long-term care insurance, and traditional life insurance products. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform that offers brokerage and advisory services with an emphasis on model-based asset allocation and portfolio optimization.

Laura Smith is a CFP® professional with 29 years of industry experience. She is currently with Wells Fargo Clearing, where she has worked since 2016. Her prior experience includes roles at UBS Financial Services and Citigroup Global Markets. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

Tanner Curtiss is a Wealth Management Advisor with Merrill Lynch Wealth Management and a third-generation Merrill Advisor, working alongside his father at the Curtiss and Associates group. He helps clients pursue their long-term financial goals through personalized wealth management strategies, drawing on Merrill's investment insights and the banking and lending solutions of Bank of America. His client focus areas include college education planning, legacy planning, personal retirement planning, and retirement income. Before joining the Curtiss and Associates team, Tanner gained experience as a financial analyst at both a local startup and a Fortune 100 technology company. His team emphasizes delivering consistent resources and practical analysis across various industries to help clients achieve financial freedom despite changing environments. Tanner holds a Bachelor's Degree from Tulane University and holds the CERTIFIED FINANCIAL PLANNER (CFP) and Personal Investment Advisor (PIA) professional designations. He is involved in professional organizations such as Junto and Startup San Diego. In addition to his professional work, Tanner participates in community volunteering aligned with Merrill's tradition of community service. His personal interests include camping, golfing, hiking, racquetball, running, surfing, tennis, and yoga.

Steven Varghese is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 credential and bringing one year of industry experience. Prior to his current role, he has held several positions including at EagleStone Tax & Wealth Advisors and multiple roles within the University of California, San Diego. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, noted for its Premier Retirement Income service that provides tailored retirement income planning through ongoing advice and written recommendation reports. The firm’s approach integrates proprietary investment research and third-party data within a product ecosystem that includes affiliated sub-advisers and managed accounts.

Jeffrey Lung is a CFP® with 21 years of industry experience, currently advising at Fidelity Investments. His career includes roles at several firms such as Mercer Global Advisors, TD Ameritrade, Charles Schwab, and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its management of multiple registered investment companies, use of AI-driven research methods, and delivery of model portfolios to intermediary platforms.

Waheeda Noor is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds Series 65 and Series 63 licenses and has been with Wells Fargo Clearing since 2016. Outside of her advisory role, she serves as treasurer for the San Diego Afghan Refugees Aid Group. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs over 14,000 advisors and manages approximately $671 billion in assets, offering both brokerage and advisory solutions.

Christie Shaw 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 2011. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of representatives to individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and investment management solutions.