Derek Hofeling is a financial advisor with LPL Financial in San Diego, CA. He holds Series 63 and Series 65 designations and has nine years of industry experience. Prior to joining LPL Financial in 2017, he worked at TD Ameritrade for one year. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management supported by research and model portfolios.

Anthony Bayona is a financial advisor at Raymond James Financial with 17 years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for 11 years. Bayona is also an author based in Poway, CA. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, utilizing asset allocation analysis and firm research to develop tailored recommendations.

Bradley Maienschein is a financial advisor at UBS Financial Services with 13 years of industry experience. He holds Series 66 and Series 63 designations and has worked previously at Morgan Stanley Smith Barney LLC, as a self-employed trader, and at Gelber Group. He is based in La Jolla, CA. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and leverages proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances.

Brooke Duchaney is a financial advisor at LPL Financial with 11 years of industry experience. She holds a Series 66 designation and previously worked at Ameriprise Financial Services, Inc. from 2014 to 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing model portfolios and research from multiple sources.

Carlos Carrillo is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and over 33 years of industry experience. His prior experience includes positions at CUNA Mutual Group, CUNA Brokerage Services, Questar Capital Corporation, Cetera Investment Services, and Homestreet Bank. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of financial planning and advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by LPL Research and third-party subadvisors.

Christopher Kozo is a CFP® with 27 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. 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. The firm’s IPS-driven approach includes a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs, tailored to plan objectives and risk tolerances.

Jeffrey Litel is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and seven years of industry experience. His prior roles include eight years at Edward Jones and nearly two decades working with the Yucaipa-Calimesa Joint Unified School District. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Stefano Rakigjija is a financial advisor with Morgan Stanley in La Jolla, CA, holding a Series 66 designation and eight years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank since 2018. Outside of finance, he assists in design work for a small high-end garment manufacturing company founded by his brother. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide array of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs firm-approved planning tools and modeling techniques as part of its structured financial planning process.

Alan Peller is a financial advisor with Morgan Stanley Wealth Management in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. His prior work includes roles at Wells Fargo Advisors and Wells Fargo Clearing. Outside of his advisory work, he is involved in rental property management alongside his spouse. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, emphasizing structured financial planning supported by firm-approved tools and research from its Global Investment Committee. The firm manages approximately $2.74 trillion in client assets and offers comprehensive planning services both directly and through corporate financial planning agreements.

Arben Qirjazi is a financial advisor with Cetera, holding Series 63 and Series 66 licenses and possessing 26 years of industry experience. His prior experience includes 24 years at Waterhouse Securities, Inc. and a year at Charles Schwab and Co., Inc. He is based in San Diego, CA. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers various portfolio management and retirement services through a multi-manager platform with access to affiliated and third-party managers.

Donaven Yousif is a financial advisor at Edward Jones with eight years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2017. Prior to that, he worked at Wells Fargo Bank and Uber. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs and investment solutions through a large network of financial advisors and branch offices nationwide.

Nadine Allo is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. She has worked at Merrill Lynch since 2021 and was previously with Bank of America from 2010 to 2021. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a diverse client base including individuals, high-net-worth clients, and institutional investors. The firm’s integration with Bank of America’s broader platform allows access to a wide range of products and services.

Ryan Wickman is a financial advisor with LPL Financial, holding a Series 66 designation and 17 years of industry experience. He has been with LPL Financial since 2007. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, providing both discretionary and non-discretionary management with access to model portfolios and research from various sources.

Juan Cabanas Ramirez is an International Wealth Advisor and a member of the Cabanas-Malfavon Group at Merrill Lynch Wealth Management in downtown San Diego. He works with a select group of global families, retirees, executives, and entrepreneurs across the US and Latin America, focusing on family and international wealth management as well as portfolio management services. Juan began his career at Merrill Lynch Wealth Management in early 2023. He specializes in creating personalized, holistic financial plans tailored to his clients' most important financial goals. His approach involves getting to know each client personally and guiding them through all aspects of their financial lives, including investing, retirement planning, and behavioral finance education. He graduated in 2022 from the University of San Diego with a bachelor's degree in finance. Juan holds the Chartered Financial Analyst (CFA) and Personal Investment Advisor (PIA) designations. Outside of work, he enjoys music, pickleball, reading, skiing, and spending time with his family.

Li Tian is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and 13 years of industry experience. Prior to joining LPL Financial in 2021, Li worked at Transamerica Financial Advisors, Inc. and World Financial Group, Inc. He is also the author of a memoir titled *Westbound: A Memoir: My Journey from Beijing to New York City*. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory programs, leveraging both discretionary and non-discretionary management along with research and model portfolios.

Traci Sherrod is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 25 years of industry experience. Her career includes roles at multiple Cetera entities since 2013 and at Girard Securities, Inc. from 2013 to 2017. She also serves as a FINRA and NFA arbitrator, a role she has held since 2010 and 2012 respectively. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, operating at scale with over $256 billion in assets and more than 10,000 advisors.

Jeffrey Macelli is a financial advisor with Morgan Stanley in La Jolla, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a variety of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Richard De Sola is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. He has worked with J.P. Morgan Securities LLC since 2020 and has been with JPMorgan Chase Bank, NA since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Ryan Kimes is a CFP®-designated financial advisor with six years of industry experience, currently affiliated with J.P. Morgan Securities. His prior roles include positions at WCG Wealth Advisors, Pure Financial, Superior Planning Inc., and Sentinel Wealth Management LLC. He is also employed by JPMorgan Chase Bank, where he offers certain bank products and services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework in its investment approach.

Nicole Gilbert is a financial advisor with LPL Financial in La Mesa, CA, holding a Series 66 license and 18 years of industry experience. Her prior roles include positions at Mass Mutual Investors Services and MassMutual Life Insurance Company. She also serves as a co-trustee of the Nicholas & Nicole Gilbert Revocable Trust. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and advanced portfolio management technologies.