Adam Sinkoff is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2016. Morgan Stanley Wealth Management (MSWM) is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs. The firm provides tailored financial planning through its Financial Advisors and Estate Planning Strategies Group, managing approximately $2.74 trillion in client assets.

Carson Butts is a Series 66 licensed financial advisor with J.P. Morgan Securities in La Jolla, CA. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2026. Prior to joining J.P. Morgan, his career included roles at WestPac Wealth Partners, MicroAge, Vanta, Insight Enterprises, H-E-B, and UPS. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes access to derivatives and commodities capabilities.

Robert Molinari is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and 28 years of industry experience. He has previously worked at Commonwealth Financial Network and Tower Square Securities, Inc. Outside of his advisory role, he serves as an advisor to OmniClient, Inc., a consulting firm in Poway, CA. 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 financial planning and investment programs delivered through a large network of advisers using various strategies including model portfolios and third-party management.

Isaac Hansen is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. His prior work includes roles at LPL Financial, Trilogy Capital, Trilogy Financial Services, and National Planning Corporation. He serves as a board member of the Western Pension & Benefits Council, focusing on pension education. Cambridge Investment Research Advisors serves a diverse client base, including individual and institutional investors such as pension and charitable organizations, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through a large network of financial professionals and multiple platforms.

Amy Soo Donk is a financial advisor at LPL Financial with five years of industry experience. She holds a Series 66 designation and has been with LPL Financial since 2017. Her prior work includes roles at Cloak & Petal, Red O Restaurant, and Covance. 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 portfolio programs, third-party asset management, and institutional platforms.

Amer Mistry is a Certified Financial Planner (CFP®) with 21 years of industry experience, currently serving as an advisor at Edward Jones since 2006. He is based in San Diego, CA. Outside of his advisory role, Mistry serves on the finance subcommittee of Mama's Kitchen, a nonprofit organization in San Diego. Edward Jones is a full-service wealth management firm that serves individual and institutional clients with a broad range of advisory programs and investment options. The firm is noted for its extensive network of advisors and branch offices, as well as its affiliated capabilities including a trust company and proprietary mutual funds.

Lee Guzman is a financial advisor with Morgan Stanley in San Diego, CA, holding the Series 63 and Series 66 designations and bringing 23 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and offers both direct and employer-based financial planning services.

Noah Dutcher is a financial advisor at Equitable Advisors in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Equitable Advisors, he has held various roles in the restaurant and hospitality sectors. Outside of finance, he is involved with the San Diego Yacht Club. Equitable Advisors serves a wide range of clients, including individuals, pension plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and asset management programs through a network of Investment Adviser Representatives and third-party advisory programs.

Nicole Davis is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and 19 years of industry experience. She has been with LPL Financial since 2008. 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 portfolio programs, third-party asset management access, and institutional platforms.

Huy La is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and nine years of industry experience. He has been with Merrill and Bank of America since 2017. Outside of advising, he is the sole owner of a rental property business. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Michael Licari is an International Wealth Advisor with Merrill Lynch Wealth Management. He provides a comprehensive approach to managing wealth, focusing on listening to clients' needs to develop strategies aligned with their financial goals. He offers access to investment insights from Merrill and banking services from Bank of America to address various aspects of clients' financial lives. Michael Licari has over 36 years of experience in the financial industry. He began his career in 1983 with Shearson Lehman/American Express in New York. In 1985, he moved to San Diego to join Merrill and has been part of the Merrill International group since 1987. He works with clients across the U.S. and internationally, focusing on areas including International Wealth Management, Managing New Wealth, Personal Retirement Planning, Portfolio Management Services, Individual and Corporate Investment Strategy, and Retirement Income. He holds a Bachelor's Degree from Syracuse University, where he majored in Finance and Law and Public Policy. Michael Licari has earned several professional designations, including Certified Investment Management Analyst (CIMA), Certified Private Wealth Advisor (CPWA), and Personal Investment Advisor (PIA). His personal interests include biking, camping, fishing, gardening, hiking, hunting, scuba diving, skiing, surfing, and writing.

Amanda Mcnellis Leptich is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and with 27 years of industry experience. She has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following 13 years at Citigroup Global Markets. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and delivers services through a combination of direct client engagement and Corporate Financial Planning agreements.

John Paffendorf Sr. is a financial advisor at Wells Fargo Clearing with 39 years of industry experience. He holds Series 63 and Series 65 designations and previously worked for UBS Financial Services Inc. from 2011 to 2022. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice grounded in modern portfolio theory. The firm’s approach includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Kathryn Miller is a financial advisor with Morgan Stanley in San Diego, holding Series 63 and Series 66 credentials and with 10 years of industry experience. She has worked at Morgan Stanley since 2015, with a break between 2017 and 2021 when she was employed at UBS Financial Services Inc. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning processes supported by firm-approved tools and modeling techniques.

Melanie Ramos is a financial advisor at LPL Financial with 23 years of industry experience. She has been with LPL Financial since 2004 and holds Series 63 and Series 66 licenses. Outside of her advisory role, she is involved in real estate rental activities in San Diego. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Michael Mc Quarrie is a financial advisor with OSAIC in San Diego, CA, holding a Series 66 designation and two years of industry experience. His prior work includes roles at Securities America, Inc. and CFG Wealth Management, as well as positions outside finance at Whole Foods and the Magdalena Ecke Family YMCA. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporations, offering a range of brokerage and advisory services. The firm’s investment approach centers on model-based asset allocation and portfolio optimization through various managed portfolio options and third-party manager programs.

Kristin Gang is a financial advisor with Cetera, holding a Series 66 designation and 22 years of industry experience. She has worked at several Cetera entities since 2015 and was previously with First Allied Securities, Inc. and Avantax Investment Services Inc. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with various portfolio management options and program structures, managing over $256 billion in assets.

Joseph Rosenberry is a financial advisor with LPL Financial, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Ameriprise and Service Response Partners LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers diverse investment solutions including financial planning, model portfolios, and institutional platforms, supported by a large network of over 22,800 advisors.

Jimmy Lopez is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and having 11 years of industry experience. He has been with Cetera and its related entities since 2019 and has prior experience with Foresters Financial Services dating back to 2015. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform with access to affiliated and third-party managers.

Caden Mc Donald is a financial advisor with Equitable Advisors in San Diego, CA. He holds a Series 66 designation and has been with Equitable Advisors since 2026. Prior to his current role, his background includes positions at Ivack Solutions and entrepreneurial experience with Sandy's Take & Bake Pizza. Equitable Advisors serves a diverse client base including individuals, retirement plans, corporations, and charitable organizations. The firm provides financial planning, retirement consulting, and asset management through various advisory models and third-party programs.