Bradford Willis is a financial advisor at Morgan Stanley with 37 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Outside of his advisory role, he is involved in product reviewing on Amazon. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Adam Jacobs is a financial professional with Cetera and holds a Series 66 designation. He has four years of industry experience, including roles at Cetera Wealth Services and North Star Resource Group. Jacobs also has involvement offering fixed insurance and group benefits through North Star Consultants and Brokerage Group. Cetera Investment Advisers LLC serves a wide range of clients including individuals, employer-sponsored retirement plans, and institutional accounts. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through a multi-manager platform with over 10,000 advisors nationwide.

Evan Gaspar is a financial advisor with Fidelity Investments in San Diego, CA, holding Series 63 and Series 65 designations and three years of industry experience. His prior work includes roles at Torrey Holistics Inc., Ridgewells Catering, and the United States Marine Corps. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, offering discretionary portfolio management, fund advisory, and model portfolio construction. The firm utilizes proprietary fundamental research combined with quantitative analysis and algorithmic methodologies, and it serves as an advisor to multiple registered investment companies and fund-of-funds.

Joshua Thompson is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and three years of industry experience. He has been with Ameriprise and Wisdom Wealth Management since 2021. Joshua was previously a full-time student at Chapman University and worked at Santa Fe Christian School. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficient strategies through a centralized consulting team and offering a broad range of advisory, brokerage, and insurance solutions.

Ryan Green is a financial advisor at UBS Financial Services with 12 years of industry experience. He holds a Series 66 designation and has been with UBS since 2013. Outside of his advisory role, he is also a commissioned Notary Public in San Diego, California. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor advice to clients’ goals and risk tolerances.

Brian Young is a Series 66-credentialed financial advisor with 17 years of industry experience. He has been with UBS Financial Services Inc. in San Diego, CA, since 2013. 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 uses proprietary research and model-based asset allocations to tailor client plans.

Douglas Kincart is a financial advisor with UBS Financial Services in San Diego, CA, holding a Series 66 designation and 27 years of industry experience. He has worked at UBS since 2010. Outside of his advisory role, he serves as a trustee assisting with real estate decisions for a family trust. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client plans.

Joanne Wong is a financial advisor with Merrill based in San Diego, CA, holding a Series 66 designation and bringing 20 years of industry experience. She has worked at Merrill since 2003 and has been with Bank of America, N.A. since 2011. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Ara Freedman is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Lucia Capital Group and Lucia Securities from 2011 to 2020. 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 portfolio programs, third-party asset management, and institutional platforms.

Andrew Rose is Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2023. He collaborates with individuals and families to develop personalized wealth plans aimed at helping clients achieve their own definitions of financial success. Andrew has been with Fidelity Investments since 2015, progressing through various positions including Financial Consultant, Investment Consultant, Private Client Group Relationship Manager, International Trader, and High Net Worth Representative. His experience encompasses investment consulting and relationship management within diverse client segments. He holds a California Insurance License. Outside of his professional work, Andrew has interests in food, football, hiking, and traveling.

Garrett Merrill is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 22 years of industry experience. He has worked at multiple Cetera entities since 2020 and previously spent eight years with First Allied Advisory Services. Outside of his advisory role, Merrill serves as an elder at Christ Presbyterian Church and is the committee chair for Boy Scout Troop 709. Cetera Investment Advisers LLC serves a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a multi-manager platform with diverse portfolio management options, combining affiliated and third-party managers to provide tailored investment solutions.

Heather Nicholas is a financial advisor with Raymond James Financial, holding Series 63 and Series 66 credentials and over 25 years of industry experience. She previously worked at Commonwealth Financial Network, Manning Wealth Management, OneAmerica Securities, American United Life, and U.S. Bancorp Advisors. In addition to her advisory role, she is involved with The Manning Companies, providing fixed insurance sales and client insurance education as part of financial planning. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm provides tailored, non-discretionary planning using risk profiling and modeling tools, supports municipal and public-finance work, and offers specialized advisory programs including SIMPLE IRA Employer Advisory & Consulting Services.

Kharli Brockmeier is a financial advisor at Fidelity with Series 63 and Series 65 credentials and four years of industry experience. Prior to joining Fidelity, Kharli worked at the University of New Mexico for seven years. Outside of advising, Kharli operates an Etsy shop selling jellyfish umbrellas and serves as communications lead for Collaborative Women in Investment Management, producing their weekly and monthly newsletters. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, using a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to create model portfolios composed of mutual funds, ETFs, and ETPs.

Gregory Hakim is a financial advisor affiliated with LPL Financial in San Diego, CA, holding a Series 66 designation with 25 years of industry experience. His prior work includes 21 years at Ameriprise Financial Services in various roles before joining LPL Financial in 2026. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a broad network of advisers. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms.

Kiley Grunstad is a financial advisor at Edward Jones with 19 years of industry experience. She has held her current position at Edward Jones since 2006. Outside of her advisory role, she is involved in the pyrotechnics business as president of KG Pyro LLC and works as a pyrotechnician, scripting fireworks displays. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Michael Lawrence is a financial advisor at Morgan Stanley with 12 years of industry experience. He holds a Series 66 designation and has worked with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2013 and 2015, respectively. He is based in San Diego, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and firm-approved tools to support financial planning.

Jonathan Savona is a Series 66-licensed financial advisor with 19 years of industry experience. He has been with LPL Financial since 2020 and previously worked at Lucia Securities, LLC, Lucia Capital Group, and Raymond J. Lucia Companies, Inc. In addition to his advisory work, he is involved as a non-variable insurance agent with Westland Financial. 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 representatives, offering a range of financial planning, portfolio management, and institutional platforms.

Andres Marek is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and having 39 years of industry experience. He has been with Morgan Stanley and Morgan Stanley Private Bank, National Association since 2016. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools and investment modeling in its financial planning process.

Juan Pablo Cabanas Ramirez is a Financial Advisor at Merrill Lynch Wealth Management and a member of the Cabanas-Malfavon team located in downtown San Diego. He began his career at Merrill Lynch Wealth Management in early 2023 and focuses on creating personalized financial plans for clients that encompass various facets of wealth management, including investing, retirement planning, and behavioral finance education. Juan specializes in family wealth management strategies, international wealth management, and portfolio management services. He takes a personal approach with his clients by understanding what is important to them and helping develop strategies to pursue their financial goals. Juan holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from Loyola Marymount University. Juan is bilingual, fluent in English and Spanish. In his free time, he enjoys camping, music, skiing, soccer, spending time with family, surfing, tennis, traveling, and watching movies.

Sandra Cohn is a financial advisor at LPL Financial with six years of industry experience. She previously worked at Independent Financial Group and Intuit and has operated the Cohn Tax Company, specializing in tax preparation and accounting, for over ten years. 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, and institutional platforms, combining extensive non-advisory activities with oversight of more than $819 billion in discretionary assets.