Max Zimet is a financial advisor at Ameriprise with four years of industry experience. He holds a Series 66 designation and previously worked at JP Morgan Chase and Palomar College. Outside of Ameriprise, he is employed by SD Socal Group LLC, where he manages an advisory business. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research and modeling with tax-efficient strategies. The firm offers a broad range of advisory, brokerage, and insurance solutions through affiliated companies.

Jason Mochi is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and 32 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank, N.A., serving clients there for a total of 17 and 11 years, respectively. 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 various model portfolios and research sources.

Mark Marcelo is a financial advisor with J.P. Morgan Securities, holding Series 65 and Series 63 credentials and four years of industry experience. His prior roles include positions at Northwestern Mutual Wealth Management Company and Joseph Financial. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a combination of quantitative asset-allocation modeling and centralized due diligence. The firm applies an ESG eligibility framework in its investment recommendations and offers customized solutions delivered on a non-discretionary basis.

Michael Kelly is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and 30 years of industry experience. His prior experience includes eight years at SCF Investment Advisors and SCF Securities, and he has operated Kelly Financial since 1995. Outside of finance, he has been the owner of Pampered Pooch since 2013. 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 advisors. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, supported by research from LPL and third-party subadvisors.

Anthony Gee is a Senior Financial Advisor with Merrill Lynch Wealth Management. In this role, he supports clients in addressing a range of financial objectives, including retirement planning, funding education expenses, and developing customized strategies to meet long-term family goals. Anthony holds professional designations as a Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from San Diego State University. His approach emphasizes aligning financial planning with each client's unique priorities, aiming to simplify the investment process and enhance transparency throughout the wealth management journey.

Cristian Ardelean is a financial advisor at LPL Financial with 17 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at LPL Financial since 2018, following prior roles at T3 Trading Group, LLC and Hold Bros. Capital, LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients including individuals, retirement plans, banks, and corporations. The firm offers financial planning, advisory programs, and retirement plan consulting through a national network of investment adviser representatives.

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 previously worked at Edward Jones for 11 years before joining Raymond James in 2025. Bayona is also an author engaged in publishing activities outside of his advisory work. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and high-net-worth clients, corporations, pension and profit-sharing plans, charitable organizations, and institutional clients. The firm offers tailored, non-discretionary planning and investment consulting, utilizing analytical tools to illustrate potential outcomes.

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 credentials and bringing 34 years of industry experience. His prior roles include positions at CUNA Mutual Group, Questar Capital Corporation, Cetera Investment Services LLC, 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 of investment adviser representatives. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management with access to model portfolios, research, and various technologies.

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 previously worked at Bank of America from 2010 to 2021 before joining Merrill in 2021. 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, offering model-based and discretionary strategies for individuals, high-net-worth clients, and institutional investors.

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.