Keith Kitagawa is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role he has held since 2020. He has more than 24 years of experience in the financial services industry. Keith provides comprehensive financial advice tailored to clients' time horizons, liquidity needs, investment goals, and fee sensitivities. His services focus on advising high net worth individuals and corporate executives, particularly in areas including executive compensation, family wealth management strategies, managing new wealth, and personal retirement planning. Keith holds several professional designations, including CERTIFIED FINANCIAL PLANNER® (CFP®), Certified Private Wealth Advisor® (CPWA®), Certified Exit Planning Advisor (CEPA), Certified Investment Management Analyst (CIMA), and Personal Investment Advisor (PIA). He earned a Bachelor of Science degree in Mechanical Engineering from the United States Naval Academy and a Master of Business Administration degree from UCLA Anderson. Prior to his financial services career, Keith served five years as a submarine officer in the United States Navy, attaining the rank of Lieutenant Commander. He is actively involved in community service and currently serves on the board of the San Diego Military Advisory Council Foundation and the advisory board of Life Science Cares San Diego. Additionally, Keith volunteers as a United States Naval Academy Blue and Gold Officer for local high schools. He has also held leadership roles with the Salvation Army Kroc Center in San Diego and the United States Naval Academy Alumni Association's San Diego Chapter. Keith resides in San Diego and has interests in cooking, ice hockey, spending time with family, and traveling.

Steven Schulte is a CFP® professional with 26 years of industry experience. He is currently affiliated with LPL Financial and has previously worked at Ameriprise Financial Services and Zions Capital Advisors. Outside of his advisory role, Schulte is co-owner of Southwest ATMs LLC and owns several business entities used for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser that offers advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm provides a broad range of financial planning and investment management solutions, including access to third-party asset managers and institutional platforms.

Arwa Kheriwala is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and two years of industry experience. She has been with Ameriprise and its affiliates since 2018, following a brief tenure at Pacific Advisors. Ameriprise offers retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored written Recommendation Reports. The firm provides a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Liam Allford is a financial advisor at RBC Capital Markets in San Diego, CA. He holds the Series 66 designation and has recently begun his career, with prior experience including roles at City National Bank and RBC Capital Markets, as well as being a student at UCSB. RBC Wealth Management, a division of RBC Capital Markets, LLC, serves a diverse client base including individual investors, institutional clients, and charitable organizations. The firm offers customized portfolio management and financial planning services, utilizing both in-house and third-party investment managers and providing options for tax management, responsible investing, and alternative investments.

Andre Freed is a CFP® professional with six years of industry experience, currently advising at Charles Schwab. His work history includes roles at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc., as well as prior positions at Starbucks and Nordstrom. Charles Schwab & Co., Inc. serves a large client base, 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 affiliated discretionary SMAs and offers a multi-asset model portfolio approach supported by centralized operational and custody services.

Tri Tam Nguyen is a financial advisor at Wells Fargo Clearing with a Series 65 credential and less than one year of industry experience. Prior to joining Wells Fargo, Nguyen held various positions including roles in education and retail. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions, managing approximately $671 billion in assets.

Jason Sinkoff is a financial advisor at Morgan Stanley with three years of industry experience. He holds a Series 66 designation. His prior work includes positions at Morgan Stanley Smith Barney LLC, Morgan Stanley Private Bank, N.A., and roles in academic institutions such as James Madison University and Wagner College. Outside of finance, he has been involved with the JCC Maccabi Sports Camp. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning services supported by firm-approved planning tools and investment research.

Saundra Benjamin is a Series 65-licensed financial advisor with seven years of industry experience, currently serving at Bruce McIndoe & Associates, Inc. She has worked at the firm since 1995 in various capacities. Outside of advisory work, she owns a professional organizing business called Benjamin Un-Limited. Bruce McIndoe & Associates, Inc. primarily provides investment management services for pooled investment vehicles and institutional clients. The firm combines advisory services with insurance broker activities and uses an hourly fee structure rather than a percentage-of-assets model.

Douglas Neyland is the sole advisor at Douglas Brian Neyland, an independent registered investment adviser based in San Diego, CA. He holds Series 63 and Series 65 licenses and has two years of experience in the financial industry. He also has long-standing academic roles at the University of California and the University of Minnesota, where he has been involved for over 35 years. The firm manages approximately $7.48 million in client assets, serving a small number of clients with a focus on individualized portfolio management. It caters primarily to higher-net-worth or institution-size clients, providing tailored investment strategies and personal service through a solo-advisor model.

Craig Mellon is a financial advisor with Economic Research and Insurance Solutions, LLC, holding Series 63 and Series 65 credentials and 20 years of industry experience. He has been with Economic Research and Insurance Solutions since 2007. The firm primarily advises pooled investment vehicles and institutional clients, using fundamental and technical analysis alongside a mix of long- and short-term trading strategies. Economic Research and Insurance Solutions is notable for its affiliations with a law firm and an insurance company, which are uncommon among investment managers.