Thomasina Sanchez is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 credentials and previously worked at Morgan Stanley Smith Barney LLC from 2009 to 2022 and Morgan Stanley & Co. LLC in 2008-2009. She also serves as a trustee for T B B Trust in Encinitas, California. Merrill, along 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Darren Pfefferman is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets from 1994 to 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by firm-approved tools and methodologies.

Sierra Gibson is a financial advisor with Mass Mutual Investors Services, holding a Series 66 designation and three years of industry experience. She has worked at MML Investor Services LLC and MassMutual/Pacific Coast since 2019 and previously was employed at Primerica. Outside of advisory work, she serves as Chief Operating Officer of Troyo Mercedes Inc, a business consulting and operations management firm. Mass Mutual Investors Services is an SEC-registered broker-dealer and investment adviser that provides financial planning and asset management services to individuals, business owners, trusts, and charitable organizations. The firm offers ongoing, collaborative financial planning using firm-approved tools, with implementation of recommendations as optional and requiring separate arrangements.

Nathan Parviz is a financial advisor at Morgan Stanley with 11 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Wells Fargo Clearing and Wells Fargo Bank NA. He is based in La Jolla, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through its Financial Advisors and Estate Planning Strategies Group.

Xiomara Vielman is a financial advisor at LPL Financial with 24 years of industry experience. She holds the Series 63 and Series 65 designations and has worked at firms including Clarity Financial Management, Commonwealth Financial Network, and Independent Financial Group. 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 services including financial planning, model portfolio programs, third-party asset management, and participant-level retirement advice.

Keri Kirchner is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 66 licenses and having nine years of industry experience. She has been with Ameriprise and its affiliate since 2016. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement who meet specific eligibility criteria, combining research, modeling, and tax-efficiency analysis to produce written recommendation reports. The firm provides a wide range of advisory, brokerage, and insurance solutions through its affiliated entities.

Terry Lecompte is a financial advisor with Primerica Advisors based in San Diego, CA. He holds the Series 65 and Series 63 licenses and has three years of industry experience. His prior roles include work with Transamerica Financial Advisors and World Financial Group, Inc., and he has also been self-employed. Outside of advising, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors sponsors and manages a wrap-fee asset management program serving primarily individual investors, as well as corporate and charitable clients. The firm uses model-driven strategies overseen by third-party asset managers and supports account custody through Pershing, managing approximately $15.5 billion in assets under management.

Christine Day Reyes is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and 14 years of industry experience. She previously worked at UnionBanc Investment Services and MUFG Union Bank. Outside of her advisory role, she is involved with a family business, New Millennium Courier Service, Inc., where she serves as an accounts receivable specialist. 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 access to third-party asset managers.

Christian Reuter is a financial advisor with LPL Financial, holding a Series 66 designation and 23 years of experience in the industry. His prior work includes roles at RBC Capital Markets, Merrill, Banc of America Investment Services, and Morgan Stanley Dw Inc. He is also involved with Forseti Enterprises LLC, a separate business entity related to tax and investment matters. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by extensive operational tools and a large network of advisors.

Rosamond Moylan is a financial advisor with UBS Financial Services in La Jolla, CA, holding a Series 66 designation and five years of industry experience. Her work history includes positions at UBS, GID, and Second Beach, as well as roles outside the financial sector such as at TwoTen Oyster Bar and Boston College. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and advisory offerings, employing proprietary research and model-based asset allocations to customize financial plans. The firm combines institutional trading capabilities with wealth management services, offering a broad platform that includes brokerage, investment advisory, custody, and capital markets functions.

Gary Soble is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 38 years of industry experience. He has been with LPL Financial for 33 years and has been involved as a USANA distributor since 1995, earning residual income from that nutritional sales network marketing activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Spencer Johnston is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses with 15 years of industry experience. He has worked at multiple firms, including Heritage Wealth Management and The Gensler Group, before joining LPL Financial in 2018. Outside of his advisory work, he has engaged in ride-share driving for Uber and Lyft. 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.

Jeffrey Callero is a Financial Advisor at Merrill Lynch Wealth Management, operating out of the La Jolla office. Since joining the firm in 2017, he has worked closely with a wealth management team to assist affluent families in making comprehensive financial decisions. His role includes providing traditional advice and guidance as well as recommending investment strategies tailored to individual client objectives. Jeffrey's expertise spans corporate executive services, executive and equity compensation, institutional investment consulting, liquidity management, managing new wealth, personal retirement planning, portfolio management, and tax minimization. He is a Personal Investment Advisor (PIA) and holds a Bachelor's degree from Miami University as well as an MBA from the University of California System. He has been involved with the Investment Finance Association at UCLA Anderson. Outside of his professional work, Jeffrey enjoys an active lifestyle, engaging in activities such as hiking, surfing, running, basketball, and volleyball. He values spending time with family and friends, continually seeking new activities to stay active. Jeffrey also participates in community activities, including volunteering with Bank of America.

Mcrae Kirmse is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and bringing six years of industry experience. His prior roles include positions at Fidelity, Nationwide Investment Services Corp, and Osaic. He is also a commissioned notary and holds a non-variable insurance license. 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 portfolios, third-party asset management, and institutional platforms.

Kevin Branham is a financial advisor at Fidelity with eight years of industry experience. He holds a Series 66 designation and has worked at firms including TD Ameritrade and Ronald Joe Branham, Inc. Outside of his advisory role, he is a partner in Let's Go Sales Co., a snack food distribution business. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction across mutual funds, ETFs, and ETPs.

Rana Maida is a financial advisor with Edelman Financial Engines in San Diego, CA, holding Series 65 and Series 63 designations and bringing 15 years of industry experience. She has held various roles within the Edelman Financial Engines organization and its legacy firms since 2016. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven, proprietary modeling process combined with planner delivery and online tools, managing diversified portfolios with a long-term orientation and serving approximately 477,000 clients.

Robert Lester is a financial advisor with Ameriprise, holding Series 63 and Series 65 licenses and 45 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities Inc. Outside of his advisory work, he owns and operates PFC Lester, Inc., a fixed insurance business. Ameriprise offers retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to provide tailored written recommendations. The firm serves a broad client base through a wide range of advisory, brokerage, and insurance solutions.

Ian Beed is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and six years of industry experience. Prior to joining Wells Fargo in 2022, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Jasmine Turner is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 65 credentials and has 29 years of industry experience. She has been with UBS since 1998. Outside of advising, Turner is involved in several real estate rental activities, including properties in Puerto Rico and the U.S. Virgin Islands. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, combining proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm integrates institutional trading capabilities with wealth management, offering a broad range of financial and capital markets services.

David Maurer is a financial advisor at OSAIC with 31 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Sagepoint Financial, Inc. and Sentra Securities Corporation. Maurer is president of the board of directors at Ofite Corporation, where he collaborates on business strategies. OSAIC Wealth serves a broad range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including comprehensive financial planning and managed portfolios. The firm’s investment process focuses on model-based asset allocation and portfolio optimization supported by various analytical tools.