Justin Wees is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 licenses and having 27 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank SSB since 2003 and 2005, respectively. 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 discretionary separately managed accounts and offers a multi-asset model portfolio approach supported by centralized custody and operational infrastructure.

Jamie Meronoff is a CFP® professional with 15 years of industry experience, currently serving as a financial advisor at Wells Fargo Advisors since 2024. Prior to this, he worked at Wells Fargo Clearing from 2020 to 2024 and Edward Jones from 2010 to 2020. He owns and operates JAM WEALTH, LLC, an independent financial practice based in La Jolla, CA. Wells Fargo Advisors is a large broker-dealer and registered investment adviser that provides investment and fee-based financial planning services to individuals, trusts, and institutional clients. The firm offers a broad range of planning services using proprietary research and tools, with flexible implementation options and integrates advisory services with other financial products and referral channels.

David Martin is a financial advisor at LPL Financial with two years of industry experience. He previously worked at Quest Accounting & Financial Services, Inc. for eight years and The Argen Corporation for twenty years. 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 various advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by extensive research and technology solutions.

Sven Meza is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 18 years of industry experience. He has been with LPL Financial since 2015. Outside of his advisory role, he serves as a non-public FINRA arbitrator. 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 offers financial planning, advisory programs, retirement plan consulting, and brokerage services, with a range of discretionary and non-discretionary management options supported by research and model portfolios.

Steven Montgomery is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Charles Schwab since 2003 and Charles Schwab Bank since 2005. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to discretionary separately managed accounts. The firm operates on a large scale with integrated brokerage, advisory, custody, and cash management services.

Wade Steverson is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously with Wells Fargo Advisors LLC from 2011 to 2016. Outside of his advisory role, he owns a rental property in San Diego. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in an IPS-driven process and modern portfolio theory. The firm is notable for including insurance-related vehicles and bank deposit sweep options in its investment menus.

Andrew Duhovic is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Cetera Advisors and Pruco Securities LLC, as well as employment with the University of San Diego in various capacities. 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 financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options, supported by research and model portfolios.

Christopher Kosmo is a financial advisor at Morgan Stanley with 15 years of industry experience. He holds the Series 66 designation and has previously worked at Wells Fargo in various roles from 2008 to 2021 before joining Morgan Stanley in 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 and financial planning services, managing approximately $2.74 trillion in client assets.

Jason Mubarak is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has worked at Morgan Stanley and its Private Bank division since 2009. Outside of his advisory role, he is involved as a winemaker at a family-owned vineyard and winery. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and firm-approved tools, serving clients through both direct and corporate agreements.

Ryan Pinkerton is a financial advisor with LPL Financial, holding a Series 66 credential and five years of industry experience. His prior roles include positions at Securian Financial Services, North Star Resource Group, Minnesota Life Insurance Co, and CRI Securities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual investors, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of representatives. The firm offers a range of financial planning and advisory programs, including model portfolios and retirement plan consulting, and incorporates various investment strategies supported by internal and third-party research.

Robert Demmler is a financial advisor at Merrill with Series 63 and Series 65 licenses and 51 years of industry experience. He has worked with Merrill and its predecessor firms since 1971 and has been associated with Bank of America since 2009. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Adam Seperack is a financial advisor at UBS Financial Services in San Diego, CA with 11 years of industry experience. He has been with UBS since 2014 and holds the Series 66 designation. UBS Financial Services Inc. 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 offers research and lending programs as part of its platform.

Patricia Bennett is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 24 years of industry experience. She has previously worked with Wells Fargo Clearing Services and Deutsche Bank Securities. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, specializing in asset-allocation advice, investment manager research, and customized performance reporting through its Institutional Consulting Services program.

Dennis O Connell Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 25 years of industry experience. He has been with J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its recommendations and generally delivers services on a non-discretionary basis.

Dan Foster is a CFP®-certified financial advisor with 41 years of industry experience, currently affiliated with Cetera. He has worked at AIM Financial Consulting Group Inc. since 1984 and has been associated with Cetera Advisors LLC since 2014. Outside of his advisory roles, he is involved in nonprofit work through The Alley Food Ministry, which provides food to homeless and food-insecure individuals, and volunteers pro bono financial advice for Homes for Our Troops, a foundation supporting disabled veterans. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional accounts. The firm offers diverse investment management solutions through a multi-manager platform that includes model portfolios, third-party managers, and customized strategies, supported by comprehensive supervisory and review processes.

Justin Steers is a financial advisor at Morgan Stanley with 32 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at UBS Financial Services and Wells Fargo Clearing. Steers serves as a board member of the Exit Planning Institute, an educational organization. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides tailored financial planning and manages approximately $2.74 trillion in client assets through a structured planning process supported by firm-approved tools.

Alexander Brewer is a financial advisor at Morgan Stanley in La Jolla, CA, holding a Series 66 license with one year of industry experience. His prior roles include positions at RBC Capital Markets, The Vanguard Group, and RiverSource. Outside of advising, he is a partner in Malu Co LLC, a retail and online sales business. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and modeling techniques.

Erin Child is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has previously worked at Graham Child LLC and various entities within the J.P. Morgan organization. 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. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering services through a select group of Wealth Advisors.

Jose Cuellar is a CFP® professional with 18 years of industry experience, currently associated with Wells Fargo Clearing since 2025. Prior to this, he worked at JP Morgan Chase Bank and JP Morgan Securities from 2019 to 2025, and at UBS Financial Services from 2015 to 2019. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and supports a broad range of brokerage and advisory solutions.

Ian Jones is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. Prior to joining LPL Financial in 2019, he worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. He is involved with ESGology, Inc., an investment-related business entity. 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, retirement plan consulting, and brokerage services, utilizing model portfolios, third-party research, and technologies such as machine learning.