Jennifer Werve is a financial advisor at Morgan Stanley with 24 years of industry experience. She holds a Series 66 designation and has worked at various Morgan Stanley affiliates since 2009. Outside of her advisory role, she is involved in an investment-related bookkeeping business based in San Diego. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Victoria Horowitz is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in personalized financial planning, tax-efficient wealth strategies, and smart portfolio management tailored to clients' long-term goals and evolving financial landscapes. Her approach is relationship-driven, focusing on understanding each client's individual goals, values, and concerns to build effective financial plans. Victoria holds a Bachelor's Degree from the University of Texas at Dallas and has earned professional designations including Accredited Wealth Management Advisor (AWMA), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), and Personal Investment Advisor (PIA). She is actively involved in professional and community organizations such as Better Money Habits, the Junior League of San Diego, and has served as President of the Women Exchange San Diego Chapter. Her community involvement extends to organizations like Doors of Change San Diego, Food Bank San Diego, as well as participation in events including the Genesis Invitation Golf Tournament and the Hoag Classic Golf Tournament. Outside of her professional commitments, Victoria enjoys activities such as cooking, hiking, reading, running, spending time with family, swimming, tennis, traveling, writing, and yoga.

Michael Zepeda Jr. is a financial advisor with Mass Mutual Investors Services and has 30 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at MML Investors Services since 1997 and Massachusetts Mutual Life Insurance Company since 1995. He serves as a member of the City of Carlsbad Community-Police Engagement Commission, promoting communication between the police department and the community. Mass Mutual Investors Services, LLC is a broker‑dealer and SEC-registered investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers annual collaborative financial planning engagements and a range of investment programs and educational seminars.

Michael Capeder is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and six years of industry experience. Prior to joining LPL Financial in 2025, he worked at RBC Capital Markets and UBS Financial Services. He is also associated with Forseti Enterprises LLC, a business entity held for tax and investment purposes. 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 advisory programs, financial planning services, and utilizes research and model portfolios from multiple sources to support both discretionary and non-discretionary management approaches.

John Fieberg Jr. is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 27 years of industry experience. He has been with Edward Jones since 1998. Outside of his advisory role, he is involved with WaveMaker 360 Health III, an early-stage private health care company. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a wide range of advisory programs and investment strategies, supported by a large nationwide network of financial advisors and branch offices.

Gerad Mowrey is a CFP® with 27 years of industry experience, currently affiliated with LPL Financial in La Mesa, CA. He has worked with Summit Financial Group since 2016 and has been associated with LPL Financial since 2000. In addition to his advisory role, Mowrey is involved in tax preparation and accounting through his activities at Summit Financial Group. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Ramiro Gomez Rincon is a Senior Financial Advisor at Merrill Lynch Wealth Management. He holds the professional designation of Personal Investment Advisor (PIA). Ramiro earned his High School Diploma/GED from Universidad La Salle.

Mateo Zoroza Larcade is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in developing personalized financial strategies that align with clients' goals, values, and life stages. Mateo works closely with individuals on investment management, retirement planning, and navigating unexpected financial events to help clients make informed decisions with confidence. He holds a Bachelor's Degree from Arizona State University and has earned professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Mateo is fluent in both English and Spanish, facilitating communication with a diverse client base. Mateo's approach centers on understanding each client's unique story, experiences, and aspirations to create tailored financial plans. He welcomes opportunities to connect with clients to learn what matters most to them and assist in building strategies to pursue their financial goals.

Christopher Barstow is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 10 years of industry experience. He has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, various advisory programs, and brokerage services through a national network of investment adviser representatives.

Matthew McClure is a financial advisor with Equitable Advisors in San Diego, CA, holding a Series 66 designation and nine years of industry experience. He has been with Equitable Advisors since 2016 and previously worked at Axa Advisors, LLC. Outside of his advisory role, he was associated with the La Jolla Beach & Tennis Club from 2015 to 2019. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through various third-party managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to tailor services based on clients’ goals, risk tolerance, and time horizon.

Nadeene Itani is a financial advisor with Merrill, holding a Series 66 designation and eight years of industry experience. She has worked at both Merrill and Bank of America since 2012. Outside of her advisory role, she is a co-owner of a family rental property business. 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 a range of clients including individuals, high-net-worth clients, and institutions.

Austin Gilbertson is a financial advisor with UBS Financial Services in La Jolla, CA. He holds a Series 66 designation and has three years of industry experience. Prior to his current role, he has held positions at Pace University and Landmark Commercial Realty, and has been involved with GMC Basketball Academy and Theos Bar and Grille. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, offering financial planning, portfolio management, and a broad range of capital markets solutions supported by proprietary research and institutional trading capabilities.

Oscar Delgado is a financial advisor at Wells Fargo Clearing with Series 63 and Series 66 designations and eight years of industry experience. He has been with Wells Fargo Clearing Services LLC since 2017 and has worked with Wells Fargo Bank NA since 2014. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Norberto Frassa is a CFP® and Series 66 credentialed advisor with Morgan Stanley in La Jolla, CA, bringing 21 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and models to assist in financial decision-making.

Angelina Blackwell is a financial advisor with LPL Enterprise holding a Series 66 designation and two years of industry experience. She previously worked at Rocket Mortgage and The Prudential Insurance Company of America. Outside of her advisory role, she manages a mortgage and real estate services business, Avenue3 Realty, serving mainly family and friends. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients through advisory and brokerage channels. The firm offers financial planning, access to model portfolios, and third-party asset management with an integrated platform combining adviser programs and financial product sales.

Iliana Kline is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 28 years of industry experience. She has been with LPL Financial since 2014. Outside of her advisory role, she works part-time at Pottery Barn. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions, offering a range of advisory programs, financial planning, and brokerage services through a national network of investment adviser representatives.

Joleen Rose is a financial advisor at Morgan Stanley with 10 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Morgan Stanley Smith Barney LLC since 2022. Prior to this, she was with LPL Financial, LLC and Northwestern Mutual Investment Services LLC. Outside of advising, she is involved with Triangle Holdings LLC, a property management business in San Diego. Morgan Stanley Wealth Management provides advisory and brokerage services to both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm employs a structured planning process supported by firm-approved tools and serves a broad client base with a range of investment programs.

Nicholas Sanchez is a financial advisor at Equitable Advisors in San Diego, CA, with 10 years of industry experience. He holds a Series 66 designation and previously worked at My Lineage and Axa Advisors, LLC. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model, combining advisory and brokerage channels to deliver tailored client services.

Ryan Kelly is a financial advisor with Fidelity Investments in San Diego, CA, holding Series 63 and Series 66 licenses and having two years of industry experience. Prior to joining Fidelity, he worked in various roles including positions at Lululemon Athletica and several restaurant establishments. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its involvement with registered investment companies, the use of systematic methodologies, and its role in constructing model portfolios for Fidelity Institutional Wealth Adviser.

Christian Torres is a Financial Advisor with Merrill Lynch Wealth Management. He focuses on areas including corporate benefits, education planning, employee benefits planning, international wealth management, legacy planning, liquidity management, managing new wealth, personal retirement planning, portfolio management services, and small business strategies. Born in Northern California and raised in San Diego from the age of six, Christian developed an appreciation for community relationships and opportunity. He pursued financial planning after college to educate people and make a meaningful difference in the lives of the people and families he serves. Christian holds a Bachelor's Degree from the California State University System and a Master's Degree from the College for Financial Planning. His professional designations include Accredited Wealth Management Advisor (AWMA), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). In his personal time, he enjoys boxing, fishing, football, hiking, music, reading, soccer, spending time with his family, traveling, and watching movies.