Yubel Rios Torres is a financial advisor with Fidelity, holding a Series 66 designation and five years of industry experience. His prior roles include positions at Ameriprise, Edward Jones, and Wells Fargo. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm integrates proprietary research with quantitative analysis and algorithmic portfolio construction, offering discretionary and non-discretionary services across various investment vehicles.

Wilson Bean is an Investment Consultant at Fidelity Investments, where he partners with local clients to provide comprehensive financial planning tailored to their individual definitions of financial success. He collaborates with clients to develop and implement investment strategies designed to support their financial goals now and in the future. He has progressed through several roles at Fidelity Investments, beginning as a Financial Representative in 2023, then as a Relationship Manager in 2024, before becoming an Investment Consultant in 2025. Prior to joining Fidelity, Wilson gained experience as a Wealth Management Intern at Morgan Stanley from 2022 to 2023. He holds a California Insurance License. Outside of his professional work, Wilson enjoys cooking and baking, fitness activities, and skiing.

Tarik Nasrawi is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding a Series 66 designation and nine years of industry experience. He has worked with J.P. Morgan since 2017 and previously spent one year at Edward Jones. Outside of his advisory role, he serves as president and holds ownership stakes in two entities operating under the name Victor's Kafe. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering non-discretionary investment recommendations supported by centralized due diligence and ESG eligibility processes.

Mario Quintero is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. He has worked at J.P. Morgan Securities since 2014 and has been with JPMorgan Chase Bank, N.A. since 2012. He holds the Series 63 and Series 66 designations. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Leif Sanchez is a financial advisor at Morgan Stanley with 25 years of industry experience. He has been with Morgan Stanley and its affiliated entities since 2007, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. He holds the Series 66 designation and is based in San Diego, CA. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning processes and advanced modeling tools but generally acts in an advisory capacity without providing individual security recommendations as part of standalone plans.

David Schrager is a financial advisor with RBC Capital Markets based in San Diego, CA. He holds the Series 66 credential and has 25 years of industry experience, including roles at Bank of America, Merrill, and City National Bank. Outside of his advisory work, he owns and actively manages multiple rental duplexes and apartment properties in Texas and California. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutions, and charitable organizations. The firm offers a range of advisory programs with customized investment strategies implemented through in-house and third-party managers, supported by RBC’s capital markets and affiliated asset management capabilities.

Michael Chamberlain is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 27 years of industry experience. He has been with Cetera and its related entities since 2013. Outside of his advisory role, he serves as a co-executor in a fiduciary capacity. Cetera Investment Advisers LLC provides services to individual clients, retirement plans, corporate and charitable organizations, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Corey Solorzano is a CFP® with 18 years of industry experience, currently affiliated with Osaic Wealth, Inc. since 2023. He has previously worked at CAP Financial Planning, Sagepoint Financial, Lifetime Financial Advisors, LPL Financial, and WHP Financial. He serves as a trustee of a revocable living trust, an unrelated fiduciary role. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of advisers, offering integrated brokerage, advisory, and financial planning services. The firm employs various portfolio construction tools and supports multiple advisory platforms, including third-party managed-account solutions.

Dennis Brewster is a financial advisor with OSAIC in San Diego, CA, holding Series 63 and Series 65 credentials and over 40 years of industry experience. He has worked at OSAIC since 2023 and has been with Sagepoint Financial, Inc. since 2009. Brewster is also a co-trustee for his parents' irrevocable trust. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated financial advisers. The firm offers a wide range of investment advisory and brokerage services, utilizing asset-allocation tools and third-party platforms to manage portfolios across various asset classes.

Janice Ebbert is a financial advisor with Ameriprise in El Cajon, CA, holding a Series 66 designation and 27 years of industry experience. She has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 1998. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing detailed Recommendation Reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax analysis in a structured process supported by algorithmic tools and oversight committees.

Jacob Sutton is a CFP® professional with 19 years of industry experience, currently practicing at Edward Jones since 2006. He holds Series 63 and Series 66 licenses. Outside of his advisory role, he is involved in a condo rental business in Carlsbad, CA. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a wide range of advisory services, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Valentine Roberts is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and eight years of industry experience. Prior to his current role, he worked at Wells Fargo Clearing Services and Wells Fargo Bank, and earlier in his career, he was employed at PDC Healthcare/Brady Worldwide Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Allison Jewett is a Financial Advisor at Merrill Lynch Wealth Management. She holds the Chartered Retirement Planning Counselor (CRPC) designation and has obtained two bachelor's degrees from the University of Cincinnati. Allison works closely with clients to develop personalized financial plans that address their unique ambitions, including funding education, retirement planning, and managing potential healthcare costs. Her approach emphasizes simplicity and transparency to help clients navigate the complexities of investing and wealth planning.

Kristi Brooks is a financial advisor at Fidelity with seven years of industry experience. She holds the Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2018, transitioning to Fidelity Investments in 2025. Prior to her career in finance, she spent five years at Bonotel Exclusive Travel. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm employs a combination of fundamental research and quantitative analysis to create model portfolios using mutual funds, ETFs, and ETPs, and is noted for its use of algorithmic methods and AI in investment research.

Patrick Denis is a ChFC® with 25 years of industry experience. He is currently with Raymond James & Associates, where he has worked since 2023. His prior experience includes roles at Concourse Financial Group Securities, Protective Life Insurance Company, AIG Capital Services, and American General Life Insurance. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, pension plans, and charitable organizations, offering financial planning, investment consulting, and municipal advisory services.

Conor Devany is a financial advisor at Merrill with 13 years of industry experience. He holds a Series 66 designation and has been with Merrill since 2012, also working at Bank of America since 2015. Merrill, together with its affiliate Managed Account Advisors LLC, provides 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.

William Smith is a CFP® with 45 years of experience in financial services, currently affiliated with Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC since 2021. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors. He is an author of investment-related publications and serves on the finance and philanthropy committees of Neighborhood Healthcare, as well as Treasurer of the Rotary Club of Escondido. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and research.

Brian Mancuso is a CFP® with 29 years of industry experience, currently serving at Charles Schwab in San Diego, CA. He has been with Charles Schwab Bank SSb and Charles Schwab & Co, Inc. since 2006. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers both non-discretionary investment guidance and access to affiliated discretionary separately managed accounts, supported by a large client base and an integrated operational structure.

Kent Thompson is a CFP® professional with 34 years of industry experience, currently serving at Ameriprise in San Diego, CA. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is the owner and president of Stillwater Vista LLC and serves on the investment committee of the San Diego Rescue Mission. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written recommendations that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation to deliver personalized retirement income plans, primarily for clients with assets managed within Ameriprise accounts.

Isaac Morales Osuna is a financial advisor at Morgan Stanley with seven years of industry experience. He previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Outside of his advisory role, he is the owner of a rental property. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm emphasizes structured financial planning supported by firm-approved tools and serves clients through both direct and corporate financial planning agreements.