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.

Heidi Kipnis is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing 12 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked at Wells Fargo Bank NA since 2009. Based in San Diego, CA, her background is primarily within this firm. Wells Fargo Advisors provides investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to a broad client base, including individuals, corporations, and institutions. The firm operates at a large scale, managing roughly $671 billion in assets and offering both brokerage and advisory solutions.

Joseph Campano is a financial advisor at Morgan Stanley with 33 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Smith Barney since 2010, following a 16-year tenure at Merrill. Morgan Stanley Wealth Management provides investment advisory and broker-dealer services to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and delivers a range of advisory programs including estate planning and corporate financial planning agreements.

Carl Hinds is a financial advisor with LPL Financial, holding a Series 66 credential and 18 years of industry experience. He worked at RBC Capital Markets Corporation for 18 years before joining LPL Financial in 2026. 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, third-party asset management, and institutional platforms, supported by a network of over 22,800 advisors.

Abel Martinez is a financial advisor at Merrill with a Series 66 credential and no prior industry experience. His work history includes roles in education at several schools before joining Merrill and Bank of America in 2025 and 2026. 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. The firm offers model-based and discretionary investment strategies supported by internal and third-party managers for a range of clients including individuals, pension plans, corporations, and charitable organizations.

Richard Cerruti is a financial advisor with Fidelity in San Diego, CA, holding Series 65 and Series 63 licenses and bringing 13 years of industry experience. His prior roles include positions at TD Ameritrade, Citigroup, Ameriprise, and Waddell & Reed. Outside of his advisory work, he served as a tennis coach at De La Salle High School. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to both retail and institutional clients, employing a process that integrates fundamental research, quantitative analysis, and algorithmic portfolio construction using a broad range of investment vehicles.

Falko Hoernicke is a CFP® and CFA® affiliated with LPL Financial, with one year of industry experience. Prior to joining LPL, he worked at U.S. Bancorp for five years, Wells Fargo Bank for two years, and Bergquist Wang, LLC for six years. He is based in San Diego, CA. 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 and access to model portfolios and institutional platforms.

Christopher Jenkins is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 25 years of industry experience. He has worked with LPL Financial since 2023 and has a long tenure at CPA Financial Group, Inc., where he has also been involved in tax preparation and accounting services since 1989. Prior to that, he held positions at AIG Financial Advisors, Inc., Sunamerica Securities, Inc., Cetera, and Genworth Financial Planning Corporation. 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, third-party asset management, and institutional platforms, supported by extensive non-advisory financial activities and oversight of over $819 billion in discretionary assets.

James Waddell is a financial advisor at Morgan Stanley with 44 years of industry experience. He holds Series 63 and Series 65 designations and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, N.A. He is based in La Jolla, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutional clients. The firm’s financial planning process utilizes structured tools and models, delivering tailored plans through its Financial Advisors and Estate Planning Strategies Group.

Mark Hyma is a financial advisor with Cetera, holding a Series 63 credential and bringing 37 years of industry experience. He has served in various roles at firms including Avantax Advisory Services and PFS Wealth Advisors and is also involved in tax preparation and management of commercial rental properties. Hyma is the president of PFS Wealth Advisors, Inc. and the CEO of PFS Acq Corporation, which oversees financial services acquisitions. Cetera Investment Advisers LLC is an SEC-registered firm that supports a large nationwide network of independent advisors and serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a range of portfolio management, financial planning, and consulting services, utilizing a multi-manager platform with both discretionary and non-discretionary program structures.

Damian Olivas is a financial advisor with Merrill based in San Diego, CA. He holds the Series 66 designation and has 23 years of industry experience. He has been with Merrill since 1994. 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 and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.