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.

Olivia Studley is a financial advisor at Morgan Stanley with a Series 66 designation and one year of industry experience. She previously worked at RBC Capital Markets and has experience in educational and service roles, including positions at the University of San Diego and Ponce's Mexican Restaurant. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning services supported by structured discovery processes and advanced modeling tools.

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.

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.

Jaime Torres is a financial advisor at Merrill with eight years of industry experience. He holds the Series 66 designation and has worked at Bank of America and Merrill since 2018. Prior to that, he operated a business under Javier Torres Inc. for ten years. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions Program, offering model-based and discretionary strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Rogelio Ponce is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and 12 years of industry experience. His prior roles include positions at J.P. Morgan Securities and Wells Fargo Bank, NA. 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 approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party databases.

Brett Clement is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has worked previously at Scottrade and TD Ameritrade. Clement is based in San Diego, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of financial planning and portfolio management options, utilizing model portfolios, third-party subadvisors, and customized strategies.

Jacklyn Manner is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and having four years of industry experience. She has been with LPL Financial since 2018 and previously worked for ten years at Starbucks. She also operates a home-based non-investment related business. 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, utilizing model portfolios and third-party subadvisors, and supports its advisors with advanced operational and research tools.

Ia Phan Jones is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. Prior to joining Cetera in 2020, Jones worked at Wells Fargo Clearing, Merrill, and Morgan Stanley. Outside of advising, Jones is involved with the PTA at Hearst Elementary School. Cetera Investment Advisers LLC is a large SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a network of over 10,000 advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform that includes both affiliated and third-party investment models.

Megan Polizzi is a financial advisor with Cetera in San Diego, CA, holding Series 65 and Series 66 licenses and 15 years of industry experience. She has worked at Cetera and its affiliated entities since 2025 and previously with CUSO Financial Services from 2021 to 2025. Outside of her advisory role, she serves as a Girl Scouts troop leader and an auditor for a local charity league. Cetera Investment Advisers LLC is an SEC-registered firm serving individual investors, retirement plans, corporate and charitable clients, and institutions through a large nationwide network of advisors. The firm offers a variety of portfolio management and financial planning services via a multi-manager platform that includes discretionary and non-discretionary options, model portfolios, third-party managers, and bespoke strategies.

Peter Holm is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and nine years of industry experience. He has been with LPL Financial since 2012. 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, model portfolios, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives and advanced operational tools.

Darin Beeghley is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. He has been with UBS since 2010. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services to provide tailored financial planning and portfolio management.

Summer Pretzer is a financial advisor at Cetera with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has been affiliated with various Cetera entities since 2017. Outside of her advisory role, she volunteers with Lions, Tigers, and Bears, a nonprofit where she conducts group visits, educates, and helps care for animals. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual, retirement plan, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a variety of portfolio management and financial planning services using multiple program structures and access to both affiliated and third-party managers.

Gabriel Garcia is a financial advisor at Ameriprise Financial Services with eight years of industry experience. He holds a Series 66 designation and previously worked at Mariner Independent Advisor Network, LPL Financial, and Edward Jones. Garcia also served in the United States Marine Corps Reserves for 12 years. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning focused on dependable income sources and tax-aware withdrawal strategies. Its approach includes a centralized service team that collaborates with advisors to provide written Recommendation Reports based on proprietary research and third-party data.