Timothy Mehrer is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. He has been with Morgan Stanley since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, Mehrer serves as a board member for Kids First at Sunset View, a nonprofit focused on children and youth education. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutions. The firm emphasizes structured financial planning supported by approved tools and serves clients through both direct relationships and corporate financial planning agreements.

Kamron Bahrami is a financial advisor with LPL Financial in San Diego, CA, holding Series 66 and Series 63 licenses and possessing 12 years of industry experience. He previously worked at SagePoint Financial and Independent Capital Management and is involved with ICM Lending and KJB Financial Services LLC in capacities outside of investment advising. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering a range of advisory and brokerage services to individuals, retirement plans, and institutions, utilizing various portfolio strategies and technology tools to support its more than 22,900 advisors.

Deborah Macneil is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 30 years of industry experience. She has worked at Wells Fargo Clearing since 2016 and previously held roles at Invest Financial Corporation and Wells Fargo Investments. Outside of her advisory work, she is an independent consultant for Pampered Chef and co-owns a real estate management business with her spouse. 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 combines research from Wells Fargo Investment Institute and third-party sources to evaluate investment options and offers both brokerage and advisory solutions.

Peyton Maple is a financial advisor at Morgan Stanley with a Series 66 designation and three years of industry experience. Prior to joining Morgan Stanley in 2022, Peyton worked at LPL Financial and has also been involved in academic roles at Monmouth University and Great Oak High School. Morgan Stanley Wealth Management offers a range of advisory programs for individual and institutional clients, providing tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers both direct and employer-sponsored financial planning services.

Christopher J. Hobbs is a Senior Vice President and Wealth Management Advisor at Merrill Lynch Wealth Management. With over 30 years of experience in the financial services industry, he began his career at Edward Jones before joining Merrill Lynch in 1995. He provides Premier Wealth Management services to families, businesses, and corporate executives, utilizing the firm's extensive tools and resources to guide clients through all aspects of their financial lives. His approach focuses on addressing unique client situations with consistent, disciplined, and coordinated strategies that consider both long-term and short-term financial needs. Chris offers a broad range of services including investment and banking management, liability management, tax minimization strategies, estate planning, wealth transfer, college planning, and Rule 10b5-1 planning. He holds a Personal Investment Advisor (PIA) designation and earned his bachelor's degree from San Diego State University. His client focus includes areas such as college education planning, corporate executive services, equity compensation, retirement planning, portfolio management, and tax minimization. Beyond his professional work, Chris is involved in community activities and has volunteered and coached for several youth sports organizations in La Jolla. He has served on the board of the Foundation of La Jolla High School and the Coggan Family Aquatic Complex. In his free time, he enjoys mountain biking, skiing and snowboarding, fishing, and core training. Chris resides in La Jolla with his wife Colleen and their two children, Karynn and Connor.

Sheryl Raetz is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 29 years of industry experience. She has worked at LPL Financial since 2024 and previously held roles at Lincoln Financial Securities Corporation, Pilot Financial/PRD Ventures, LLC, RD Financial Services, and Osaic FS, Inc. In addition to her advisory work, she is involved in selling fixed annuities and non-variable life insurance. 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, supported by tools such as machine learning for research and operational purposes.

Justin Smith is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and 12 years of industry experience. Prior to joining LPL Financial in 2018, he worked at Thrivent Investment Management and THRIVENT Financial from 2014 to 2017, and Wells Fargo Clearing in 2014. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm supports its network of investment adviser representatives with a range of financial planning and portfolio management options, including model portfolios, third-party subadvisors, and institutional platforms.

Christopher Conn is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation. He has one year of industry experience with previous roles including Asset Security Consulting and Colonial Life. Conn also has a background that includes time at Alex Brown and studied at the University of Colorado Boulder. 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 and access to third-party asset management programs, supported by technology tools and a large network of over 22,800 advisors.

Leslie Castillo is a CFP® with 20 years of experience in the financial services industry. Currently with Wells Fargo Advisors, Leslie has previously worked at firms including LPL Financial, Mariner Independent Advisor Network, and D.A. Davidson & Co. Outside of traditional advisory roles, Leslie is involved with several business activities including an independent investment advisory firm, Mariner Independent Advisor Network. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad planning menu covering areas such as retirement, education, and business-owner transition planning, using proprietary research and tools to develop tailored client recommendations.

Tom Nicholl is a financial advisor at Edward Jones with Series 63 and Series 66 credentials and one year of industry experience. Prior to joining Edward Jones, he worked in the automotive industry with Mercedes Benz of San Diego and Sunroad Automotive. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with a broad range of advisory and investment services, supported by a large nationwide network of financial advisors and branch offices. The firm offers various managed strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

William Kim is a financial advisor with Cetera and holds Series 63 and Series 66 licenses, bringing 14 years of industry experience. He has worked at firms including Morgan Stanley, JPMorgan Chase, and Securian Financial Services. Outside of his advisory role, Kim serves as secretary of the Korean American Coalition San Diego and as an elected board member of the Construction Financial Management Association’s San Diego Chapter. Cetera Investment Advisers LLC provides investment advisory services through a nationwide network of independent advisors, serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers across a variety of program structures.

Alexander Broughton is a financial advisor at Merrill with two years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A., Hach - A Danaher Company, Equipment Depot - A Mitsubishi Company, Exterran, and Pentair. Outside of his advisory role, he serves as a power of attorney for his parents. Merrill, along with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, serving individual and high-net-worth clients, pension plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

J Essman is a financial advisor with Mass Mutual Investors Services in San Diego, CA, holding the ChFC® designation with 28 years of industry experience. He has worked at Mass Mutual Investors Services since 2017 and was previously with Metlife Securities, Inc. and Metropolitan Life Insurance Co. from 2007 to 2017. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser that serves individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, using firm-approved tools to deliver written recommendations through annual collaborative planning engagements.

Hernan Diaz is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 15 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked at JPMorgan Chase Bank, N.A. since 2010. 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. The firm’s advisory process combines quantitative and qualitative research, incorporating ESG considerations and leveraging broader derivatives and commodities capabilities.

Jason Samuelsen is a financial advisor with Edward Jones in San Diego, CA, holding a Series 66 designation. He has been with Edward Jones since 2025 and has prior experience at STN Digital, Evolytics, American Century Investments, Sporting Kansas City, and Bowling Green State University. Outside of advisory work, he manages a rental property in Kansas City, MO. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, and charitable organizations. The firm manages over $1 trillion in assets and offers a range of investment strategies, tax-efficient services, and affiliated financial products through a large national network of advisors and branch offices.

John Miller is a financial advisor with Ameriprise Financial Services in San Diego, CA, holding a Series 66 designation and nine years of industry experience. He has been with Ameriprise since 2017, including six years with Ameriprise Financial Services, LLC. Prior to his advisory career, he spent four years at Virginia Tech. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendations and ongoing retirement-income planning focused on reliable income sources and tax-aware withdrawal strategies.

Yi Lu is a financial advisor at UBS Financial Services with a Series 66 designation and four 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, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to client goals.

Rodrigo Ramos is a financial advisor at UBS Financial Services with 23 years of industry experience. He has worked at UBS since 2010 and holds a Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, operating as a broker-dealer, investment adviser, and futures commission merchant.

Michael Zeiger is a financial advisor with Cetera in San Diego, CA, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has worked at Cetera Advisors LLC since 2013, with prior experience at LPL Financial, Infinity Financial Services, B & C Wealth Management, and OSAIC Services, Inc. Outside of advising, he is involved in tax preparation, event security, and sells fixed insurance products including life, health, Medicare, annuities, and long-term care. Cetera Investment Advisers LLC serves a nationwide client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers through various program structures and custodial relationships.

Suzanne De Graw is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and over 21 years of industry experience. She has previously worked with Independent Financial Group and WFG, and she operates DeGraw Tax Services, a tax preparation and accounting business she has managed since 1989. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive operational tools and a broad network of over 22,800 advisors.