Eugene Cunningham is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Del Mar, California office. He develops investment portfolios for individuals, businesses, and tax-exempt organizations that prefer professional management of their assets. Gene serves a select group of clients, including individuals, families, and organizations with substantial wealth, providing confidential wealth management services that address both short-term and long-term needs. His approach emphasizes a disciplined, coordinated process designed to support informed decision-making while minimizing the influence of emotional factors on investment choices. Gene began his career with Merrill Lynch Wealth Management in April 1988. He holds a Bachelor of Science in Business Administration from Villanova University and has completed coursework at the Donald T. Regan School of Advanced Financial Management. He is a CERTIFIED FINANCIAL PLANNER® professional and holds additional designations including Certified Exit Planning Advisor (CEPA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Gene has also served as an officer in the United States Marine Corps and is a frequent lecturer to fellow Merrill Financial Advisors in southern California. He previously held a board member position with Physician Advocates for Veterans. Fluent in English and Spanish, Gene’s professional focus areas include college education planning, family wealth management strategies, tax minimization, retirement income planning, and socially responsible investing, among others. He resides in San Diego with his wife Mary and their children, Patrick and Claire. Outside of work, Gene enjoys baseball, basketball, biking, chess, football, golfing, reading, skiing, traveling, and spending time with his family.

Kendal Glatthorn is a financial advisor with UBS Financial Services in Philadelphia, PA, holding Series 63 and Series 65 registrations and bringing nine years of industry experience. Prior to joining UBS in 2021, he worked at Goldman Sachs & Co. from 2015 to 2021. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management offerings, leveraging proprietary research and market insights to tailor solutions for its clients.

Anne Howard is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 designations and 22 years of industry experience. She has been with LPL Financial for 20 years. 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, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management with access to model portfolios, research, and alternative strategies.

Laura Greenberg is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2017. She has been with Fidelity since 2013, progressing from Investment Consultant to Financial Consultant before assuming her current role. Prior to joining Fidelity, Laura worked as a Financial Advisor at Edward Jones from 2009 to 2013 and briefly at Merrill Lynch in 2009. In her role, Laura partners with high-net-worth individuals and families to help them clarify priorities and make informed financial decisions. She focuses on developing a deep understanding of clients' goals and values to provide thoughtful guidance and a disciplined planning framework aimed at supporting long-term financial well-being. Laura holds a California Insurance License. Outside of her professional work, Laura's personal interests include beach activities, family activities, football, social events with friends, scuba diving, and skiing.

Maria Maldonado is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at J.P. Morgan Securities and Pier 1. Her current role at Morgan Stanley began in 2023. 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 uses structured planning tools supported by its Global Investment Committee.

Michael Brezovsky is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to understand their unique financial situations and goals, using Fidelity's resources and his expertise to build and implement comprehensive financial plans. He serves as a reliable source of information and support for clients through changing circumstances and evolving objectives. Michael has been with Fidelity Investments since 2018, progressing through multiple roles including Financial Consultant and Investment Consultant. His experience spans workplace planning and investment consulting, providing him with a broad perspective on financial advising. He holds a California Insurance License and is a CERTIFIED FINANCIAL PLANNER™ professional.

Laurie Burkhardt is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial products including insurance-related vehicles and bank deposit sweep options.

Benjamin Chapman is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and five years of industry experience. He has been with LPL Financial since 2020, following roles at GrantLinkx and a year of extended travel. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by proprietary and third-party research.

Richard Clawson is a financial advisor with Wells Fargo Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been affiliated with Wells Fargo and its related entities since 2009. Outside of his advisory role, he has ownership interests in Lone Pine Run Inc and CCS Capital Management LLC, both investment-related businesses. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting certain net-worth thresholds, utilizing Wells Fargo research and planning tools to develop customized recommendations.

Matthew Carmichael is a financial advisor with Osaic Wealth, Inc., holding Series 63 and Series 66 designations and eight years of industry experience. He has worked with firms including New York Life Insurance Company and NYLIFE Securities LLC since 2017. Outside of his advisory role, he serves as a board member for Operation Amped, a nonprofit organization that teaches surfing to wounded veterans. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, providing integrated brokerage, investment advisory services, and access to third-party money managers. The firm employs a variety of asset-allocation tools and supports both discretionary and non-discretionary portfolio management across multiple investment types.

Lake Lapp is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and has worked at J.P. Morgan Securities and JPMC Bank NA since 2021. His prior experience includes roles at Equitable Financial Life Insurance Co., Securities America Inc., Advisor Group, Inc., and North Star Financial Partners. He also has a background at Creighton University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence. The firm emphasizes an ESG eligibility framework and offers services through its Institutional Consulting Services program on a non-discretionary basis.

Jheneffer Carleto Borsoi Pacheco is a Series 66-licensed advisor with Merrill, based in Carlsbad, CA, and has been with the firm since 2025. Prior to Merrill, she held positions at Bank of America, Global Financial Impact, and other organizations in various roles from 2019 onward. 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, pension plans, corporations, and charitable organizations.

Stephen Lowery is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing seven years of industry experience. He has been with J.P. Morgan Securities since 2018 and previously worked at JPMorgan Chase Bank, N.A. from 2018 to 2020. Prior to his financial services career, he was involved with the YMCA of San Diego County from 2012 to 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis with oversight from an in-house manager solutions team.

Ethan Park is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and two years of industry experience. He has also worked at Charles Schwab and JPMorgan Chase Bank. Outside of finance, he advises his family-owned restaurant, The Original Pancake House in Fort Collins, on business decisions including cash management. 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 an ESG eligibility framework.

Raymundo Catalan is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019, with prior experience at Axa and Medline Industries. He serves as a board member and treasurer for the Escondido Chamber of Commerce, a nonprofit organization supporting local businesses. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors.

Andrew Axelson is a CFP® with 16 years of experience in the financial services industry. He currently works at Morgan Stanley and has held positions at JP Morgan Chase Bank, N.A. and J.P. Morgan Securities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services ranging from retail to institutional offerings.

Mario Contreras is a financial advisor with LPL Financial in San Diego, CA. He holds Series 63 and Series 65 designations and has 26 years of industry experience, including 11 years with LPL Financial. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research-supported model portfolios.

Kevin Fennell is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 credential with eight years of industry experience. His prior roles include positions at UBS Financial Services and BDO. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving 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 uses structured planning tools and processes supported by its Global Investment Committee.

Stephanie Van Hook is a financial advisor with LPL Financial in San Diego, CA, holding Series 66 and Series 63 credentials and 17 years of industry experience. She has been with LPL Financial since 2009. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual clients, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

John Faustino is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Waddell & Reed, John Burnham Insurance, and service as a board member of the Kiwanis Club of Poway. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations, offering diverse advisory programs and financial planning services.