Sergio Bache is an International Wealth Advisor with Merrill Lynch Wealth Management. He has over 15 years of experience in the financial services industry and joined Merrill in 2015. Sergio works with both international and domestic clients, focusing on a broad range of wealth management strategies including family wealth management, retirement planning, portfolio management, small business strategies, and socially responsible investing. Sergio holds a Bachelor's Degree from San Diego State University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is bilingual in English and Spanish, enabling him to serve a diverse client base. He leverages the investment insights of Merrill and the banking services of Bank of America to provide comprehensive financial solutions. Beyond his professional role, Sergio engages in community activities such as coaching soccer and tutoring math to K-8 students. His personal interests include cooking, soccer, swimming, traveling, and spending time with his family.

Anthony Weiner is a financial advisor at Morgan Stanley in San Diego, CA, with 11 years of industry experience. He holds Series 63 and Series 65 credentials and has previously worked at Wells Fargo Clearing, Wells Fargo Advisors LLC, and Wells Fargo Bank NA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning that utilizes structured discovery and firm-approved tools to model outcomes for clients.

Ryan Umbenhaur is a financial advisor with Edward Jones in La Mesa, CA, holding a Series 66 designation and four years of industry experience. His prior roles include positions at PNC Bank, BBVA Bank, and Comerica Bank. He serves as a board member for the Lake Murray Terrace Condominium Association in Santee, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment options, supported by a large nationwide network of advisors and branch offices.

S Belloso is an International Wealth Advisor with Merrill Lynch Wealth Management, specializing in family wealth management strategies, international wealth management, and managing new wealth. With 30 years of experience, Belloso has focused on working with wealth creators from abroad who have investable assets of at least $10 million, as well as their second and third generations. Belloso began their career in 1985 as Head of International Private Banking at Bank of America in San Diego. In 1990, they joined Citi Bank International Private Banking in San Diego. Over the past 25 years, Belloso has served as an International Wealth Advisor at firms including UBS International, Smith Barney, and Morgan Stanley, with professional experience spanning Tucson, Phoenix, and Houston. Belloso holds the Personal Investment Advisor (PIA) designation and earned a Bachelor's Degree from Escuela Nacional de Comercio. Outside of their professional work, Belloso enjoys chess, music, reading, and spending time with family.

Veronica Benitez is a financial advisor at Merrill with 27 years of industry experience. She holds the Series 66 designation and has been with Merrill since 2016. Based in San Diego, CA, her career includes a decade at Merrill in her current role. Merrill, along 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Lisa Joseph is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and 18 years of industry experience. She has worked with Zions First National Bank affiliate California Bank & Trust since 2017 and concurrently with LPL Financial over the same period. 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 such as the Bank Wealth Program.

Genie Lebay Short is a financial advisor with Osaic Wealth, Inc. in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 23 years of industry experience. Prior to joining Osaic in 2023, she worked for Sagepoint Financial, Inc. for 14 years. Outside of her advisory role, she is a certified Citadel Estate Planner, referring clients for estate planning services. Osaic Wealth serves a diverse client base including individuals, high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm combines brokerage and advisory services with financial planning and retirement consulting, employing tools such as asset-allocation models and automated rebalancing to construct customized portfolios.

Robert Fagan is a financial advisor at Cetera with 31 years of industry experience. He holds the ChFC® designation and Series 63 license. He has worked with firms including Madison Avenue Securities and First Allied Advisory Services. Outside of advising, he owns Proactive Tax Systems LLC, a tax preparation business. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporations, and institutional accounts. The firm offers a variety of portfolio management and consulting services through a nationwide network of over 10,000 advisors.

Annamarie Van Til is a financial advisor at RBC Capital Markets with 25 years of industry experience. She holds Series 63 and Series 66 designations and has been with RBC Capital Markets since 2014. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers a variety of advisory programs that provide portfolio management, financial planning, custody, and brokerage services, tailoring strategies to each client’s risk profile and utilizing a combination of in-house and third-party investment resources.

Sung Hoon Pyon is a financial advisor at Thrivent Investment Management with 14 years of industry experience. He holds the Series 63 and Series 65 designations and has previously worked at Morgan Stanley, E*Trade Securities, and TD Ameritrade. Outside of his financial advisory role, he maintains Grillsimply.com, a blog focused on grilling and smoking meats. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of advisors, offering comprehensive, goal-based planning without discretionary trading authority.

Mark Thorne is a financial advisor with LPL Financial in La Jolla, CA, holding a Series 63 designation and having 39 years of industry experience. He has worked with LPL Financial since 2018 and has operated MTA Financial Services since 1992. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of financial planning and portfolio management options supported by research and technology tools.

Kellen Bonnafoux is a Financial Advisor at Merrill Lynch Wealth Management, serving clients in San Diego. He works with high-net-worth families to help preserve and manage significant wealth with clarity and purpose. Kellen focuses on helping clients maintain what they have built, bringing thoughtful structure to their financial lives and supporting long-term planning across generations. Drawing from his background in International Finance and Wealth Management, Kellen takes a measured and steady approach to advising clients through life's financial transitions. His expertise includes corporate executive services, international wealth management, liquidity management, philanthropic planning, small business strategies, and tax minimization. He collaborates closely with clients and their advisory teams to ensure cohesive strategies tailored to long-term priorities. Kellen holds a Personal Investment Advisor (PIA) designation and has earned an Accredited Certificate Program from Semmelweis University Medical School as well as a Master of Arts from the University of Canterbury. Outside of his professional role, his personal interests include camping, reading, swimming, and traveling.

James Finley is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 credential and 25 years of industry experience. He worked at Merrill from 2001 to 2009 before joining LPL Financial, where he has been active since 2009. Outside of his advisory role, he is involved in mortgage brokerage services through Home and Loan Finders. 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 management services utilizing model portfolios, third-party subadvisors, and customized strategies.

Thomas Mang is a financial advisor at Cetera with 25 years of industry experience. He holds Series 63 and Series 65 credentials and has been operating his own financial services firm, Thomas Mang Financial, since 2012. He has worked with Cetera and its related entities continuously since 2001. Cetera Investment Advisers LLC is an SEC-registered firm that serves a diverse client base including individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a broad range of portfolio management and consulting services through a large network of independent advisors and utilizes a multi-manager platform with discretionary and non-discretionary program options.

Daniel Mayes is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 24 years of industry experience. He has worked with various Cetera entities since 2015 and previously spent 15 years with First Allied Securities, INC. and First Allied Advisory Services, INC. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a broad client base including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to a range of program options and third-party managers.

Brian Armston is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, as well as Citigroup Global Markets since 2007. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools, including Monte Carlo simulations and Secular Return Estimates, to support customized financial plans.

Timothy Wade is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and having 27 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory work, he serves as a director of Tolls Got 2 Go, Inc. and acts as a co-promoter and financier of Valor Fighting and Management. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process with firm-approved tools and serves a broad range of retail and institutional investors.

Nicholas De Ruyck is a financial advisor with Merrill in La Jolla, CA, holding a Series 66 designation and 9 years of industry experience. He has worked at Merrill and Bank of America since 2018 and previously spent two years at Edward Jones. Outside of his advisory role, he owns a commercial fishing company and has created entities related to recreational fishing activities. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Angelica De Leon is a financial advisor at Fidelity with 16 years of industry experience and a Series 66 designation. She has worked at Fidelity Investments since 2022, following six years at Wells Fargo Advisors and brief roles at Bank of America and another firm in 2016. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to a diverse client base, including retail and institutional investors, charitable funds, and registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and systematic methodologies to construct model portfolios from mutual funds, ETFs, and ETPs, with oversight controls and use of algorithmic and AI-driven processes.

Bridy Oreshack is a financial advisor with LPL Financial, holding a Series 66 credential and 23 years of industry experience. His prior career includes 16 years at Mass Mutual Investors Services and Massmutual Life Insurance Co. He is also involved with Ingenieux Consulting LLC, a 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 provides advisory and brokerage services through a large network of investment adviser representatives, offering a range of financial planning, portfolio management, and institutional platforms.