Andrew Duhovic is a Series 66-licensed financial advisor at LPL Financial with three years of industry experience. His prior roles include positions at Cetera Advisors, RemoteLink Solutions, and Pruco Securities LLC. He has also held various roles at the University of 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by research and operational tools.

Christopher Kosmo is a financial advisor with Morgan Stanley, holding a Series 66 designation and 15 years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Bank prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

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.

Michael Moon is a CFP® with 42 years of industry experience, currently affiliated with LPL Financial. His prior roles include 23 years at Lincoln Financial Advisors and three years at Commonwealth Financial Network. He is co-owner of Moon Wealth Management, LLC, which supports his securities, advisory, and insurance activities. 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 comprehensive advisory and brokerage services, including financial planning and institutional platforms, with a broad range of investment strategies implemented through a large network of investment adviser representatives.

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 at J.P. Morgan Securities with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Wells Fargo and JPMorgan Chase Bank. Outside of her advisory role, she is involved with M&A Pickle Performance LLC, operating under Kitchen Club LLC. 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 through a non-discretionary program supported by centralized due diligence and a forward-looking investment approach.

Dennis O Connell Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and having 25 years of industry experience. His prior work includes roles at TD Ameritrade and T. Rowe Price Advisory Services. J.P. Morgan Securities provides institutional consulting services focusing on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG considerations where applicable.

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.

Alan Shapiro is a CFP® professional with 22 years of industry experience, currently with Wells Fargo Clearing since 2016. His prior roles include positions at Morgan Stanley from 2008 to 2015 and Citigroup Global Markets from 2004 to 2008. He is also co-trustee of a family trust. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets and uses research and analytics to support its investment approach.

Erin Child is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. Her prior work includes positions at Graham Child LLC and JPMorgan Chase Bank, N.A. 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 within a non-discretionary program structure.

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 in La Jolla, CA, holding Series 63 and Series 65 credentials and 27 years of industry experience. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Investments, LLC. Outside of advising, he is involved with ESGology, Inc., an investment-related business, and participates with Saybrus Partners, an insurance agency. 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 technology tools and a broad scope of financial activities.

Ian Kelly Thomas is a financial advisor with J.P. Morgan Securities holding Series 63 and Series 66 licenses and 18 years of industry experience. Prior to joining J.P. Morgan Securities, he worked at firms including LPL Financial, Cetera Financial Group, and Affinity Financial Advisors. He is also CEO of Tadich Capital, a private investment firm, and leads IKT Holdings Inc., a business consulting company. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, with a non-discretionary process supported by centralized due diligence and quantitative and qualitative research.

Gretchen Kibbe is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with one year of industry experience. Prior to her current role, she worked at Power Digital, Nike, and Free People, and has teaching experience at various educational institutions including the University of San Diego and local schools. 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 a wide range of advisory programs supported by structured discovery processes and firm-approved planning tools.

Brittany Sheley is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its financial planning process.

Kelley Lee is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. Lee has been with Wells Fargo Bank, N.A. since 1996 and with Wells Fargo Clearing since 2016. 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 supports a large network of advisors, offering both brokerage and advisory solutions.

Luken Wilson is a financial advisor at Charles Schwab with Series 66 credentials and one year of industry experience. His prior work includes roles at 3E Company and Gremlin, as well as involvement with the University of San Diego’s University Ministry. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management, financial planning, and custodial services supported by centralized operations and extensive alternative investment due diligence.

Britain Kern is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo in 2025, Kern held various roles including positions at Applied Minds and Nextbite. 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 offers both brokerage and advisory solutions.

Carl Findley III is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. He has held various roles including positions at JPMorgan Chase Bank, UC San Diego, and the University of San Diego. He is also involved with JFIN Collective LLC and manages interests in Nigel Investments LLC and Bauhaus Capital LLC. 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 through a non-discretionary program. The firm’s advisory process combines quantitative and qualitative research with forward-looking market assumptions and incorporates a range of investment strategies supported by affiliated implementation services.