Ivan Lopez is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management. He joined Merrill in 2022 and brings over 18 years of experience in investment, planning, banking, and client relations. Ivan works closely with executives, small business owners, and families, aligning their investments with their life goals and employing risk management strategies to pursue their financial objectives. His professional background spans from small start-ups to large businesses and includes expertise in individual planning, trust and estate planning strategies, and wealth management. Ivan holds the FINRA Series 7, 63, and 65 registrations as well as the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) designations. He obtained his High School Diploma/GED from the California State University System and is fluent in English and Spanish. Born and raised in San Diego, Ivan is involved with community organizations such as Brother Benno's, the Diocese of San Diego, and the San Diego Food Bank. He values his faith and spending quality time with his family.

Nicholas Remer is a CFP® professional with 10 years of industry experience, currently serving at Cetera since 2019. He previously worked at Foresters Advisory Services LLC and Foresters Financial Services. Outside of his advisory role, he owns and operates Remer Filmmaking and serves as president of the Canyonview Homeowners Association board. Cetera Investment Advisers LLC is an SEC-registered firm offering a range of portfolio management, financial planning, and retirement services to individual, corporate, charitable, and institutional clients. The firm supports a multi-manager platform with various program structures and serves over 800,000 clients through more than 10,000 advisors.

Roberto Vasquez is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities since 2014, also maintaining a role at JPMorgan Chase Bank since 2008. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their non-discretionary program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Steven Kerston is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and 16 years of industry experience. He has worked with Redwood Credit Union since 2011 and was affiliated with Cuso Financial Services LP for 13 years prior to joining LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a wide range 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.

Derek Montecinos is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and nine years of industry experience. He previously worked for Commonwealth Financial Network for ten years before joining LPL Financial in 2026. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services including financial planning and institutional platforms, supported by a large network of advisors and diverse investment solutions.

Elizabeth Pille is a financial advisor at Morgan Stanley with 44 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets from 1998 to 2009. Outside of her advisory work, she is involved with the Living Right Wellness Center, a healthcare and wellness facility. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and a wide array of advisory programs. The firm employs structured planning tools and manages approximately $2.74 trillion in client assets.

Eugenio Pedraza is a financial advisor with Wells Fargo Clearing, holding Series 66 and Series 63 licenses and six years of industry experience. His career includes roles at JPMorgan Chase Bank, J.P. Morgan Securities, and Wells Fargo Clearing Services. He also has experience with All Aboards Marketing and spent several years at New Mexico State University. 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 roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Phillip Wendt is a CFP®-certified financial advisor with Wells Fargo Clearing, based in San Diego, CA, and has six years of industry experience. He has worked at various Wells Fargo entities since 2014. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice with an IPS-driven approach grounded in modern portfolio theory. The firm includes a broader range of financial products than many peers, such as insurance-related vehicles and bank deposit sweep options.

Shelby Lewis is a financial advisor with Cetera, holding a Series 66 designation and 10 years of industry experience. Lewis has worked at multiple Cetera entities since 2020 and previously at First Allied Securities and Pacific Wealth Strategies Group. Outside of advisory work, Lewis holds a part-time real estate license. Cetera Investment Advisers LLC is an SEC-registered adviser that serves individual, employer-sponsored retirement, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a multi-manager platform with various discretionary and non-discretionary portfolio management options, including model portfolios, third-party managers, and bespoke strategies.

Dorian Grady is a financial advisor at UBS Financial Services with 16 years of industry experience. He holds a Series 66 designation and has held positions at Diversify Advisory Services, DFPG Investments, Nationwide Investment Services, and TD AMERITRADE. He is based in San Diego, CA. UBS Financial Services serves individual, corporate, and institutional clients through both brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, using proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Richard Steinmeier is a financial advisor with LPL Financial in San Diego, CA. He holds the Series 66 designation and has 18 years of industry experience, including prior roles at UBS and Merrill. Steinmeier has been with LPL Financial since 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jeffery Sweesy is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 24 years of industry experience. He has worked at Linsco Private Ledger since 2004 and previously spent time at Uvest Financial Services Group, Inc. and Merrill. 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 other institutions. The firm offers a range of financial planning and investment solutions, including model portfolios and institutional platforms, supported by extensive operational tools and a large network of over 22,800 advisors.

James Shea is a financial advisor at UBS Financial Services with 41 years of industry experience. He has been with UBS since 2010 and holds a Series 63 designation. Based in San Diego, CA, Mr. Shea's career includes extensive work in financial advisory roles. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor solutions for its clients.

Katelyn Montijo is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 10 years of industry experience. Her prior roles include positions at Fidelity Investments, Merrill Lynch, and TD Ameritrade. 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, utilizing both proprietary and third-party investment strategies supported by advanced research and operational tools.

Charles Mackay is a financial advisor with LPL Financial based in La Jolla, CA. He holds a Series 66 designation and has 10 years of industry experience, including 11 years at Wells Fargo Advisors prior to joining LPL Financial in 2024. Outside of his advisory role, he is involved with Advisors Choice Insurance Brokerage Services as an external advisor. 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, wrap and model portfolio programs, access to third-party asset management, and institutional platforms, supported by research and technology tools.

Angeli Forster is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and over 42 years of industry experience. Her career includes roles at UBS Financial Services, Sentra Securities Corporation, National Planning Corporation, and SagePoint Financial. She also owns and manages rental properties. OSAIC serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering both brokerage and advisory services through a multi-advisor platform that emphasizes model-based asset allocation and portfolio optimization.

Diego Macedo is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley since 2016, following an 11-year tenure at Merrill. Macedo is also a sole proprietor of a rental property in Solana Beach, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a wide range of advisory programs and tailored financial planning supported by firm-approved tools and research.

Michael Stephens Jr. is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and 11 years of industry experience. Prior to joining LPL Financial in 2026, he worked at Ameriprise Financial Services from 2014 to 2026 and CIE from 2014 to 2016. Outside of his advisory work, he is involved in several business ventures including co-ownership of a software and data analysis firm and administrative roles in operational support companies. 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 services and employs model portfolios, third-party subadvisors, and customized investment strategies, supported by advanced operational and research tools.

Jeffrey O'Neill is a financial advisor at Morgan Stanley with a Series 66 designation and 26 years of industry experience. He 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, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using proprietary tools and market models.

Carlos Vasquez is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds a Series 66 designation and has worked at firms including Wells Fargo Clearing, J.P. Morgan Securities, and Chase Investment Services Corp. He is based in San Diego, CA. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with additional activities such as investment company relationships and principal trading.