Juan Cabanas Ramirez is an International Wealth Advisor and a member of the Cabanas-Malfavon team located in downtown San Diego. He began his career at Merrill Lynch Wealth Management in early 2023 and works with a select group of global families, executives, retirees, and entrepreneurs across the United States and Mexico. Juan focuses on creating personalized financial plans that encompass all aspects of wealth management, including investing, retirement planning, and behavioral finance education. His expertise lies in family wealth management strategies, international wealth management, and portfolio management services. Juan strives to provide research-backed investment guidance and navigates complex financial situations for his clients. He takes a personal approach to advising, aiming to be a key part of his clients' lives by helping them achieve their financial goals. Juan graduated in 2022 from the University of San Diego with a bachelor's degree in finance. He holds the Chartered Financial Analyst (CFA) and Personal Investment Advisor (PIA) designations. He is proficient in both English and Spanish. In his free time, Juan enjoys music, playing pickleball, reading, skiing, and spending time with his family.

Li Tian is a CFP® professional with 13 years of industry experience, currently advising clients at LPL Financial since 2021. Prior to this, Li worked at Transamerica Financial Advisors and has been involved with several organizations including the Palomar College Foundation and Grand Line Consulting, Inc. Li is also the author of a memoir titled *Westbound: A Memoir: My Journey from Beijing to New York City*. 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 wide range of advisory and brokerage services, combining its scale and diverse financial activities with multiple portfolio management options and technology-enabled operational support.

Traci Sherrod is a financial advisor with Cetera who holds Series 63 and Series 66 licenses and has 25 years of industry experience. Her career includes roles at multiple Cetera entities since 2013 and at Girard Securities, Inc. from 2013 to 2017. She also serves as a FINRA and NFA arbitrator, a role she has held since 2010 and 2012 respectively. Cetera Investment Advisers LLC is an SEC-registered adviser that supports a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform with access to affiliated and third-party managers, operating at scale with over $256 billion in assets and more than 10,000 advisors.

Richard De Sola is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. He has worked with J.P. Morgan Securities LLC since 2020 and has been with JPMorgan Chase Bank, NA since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Alex Gitelson is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and has worked at JPMorgan Chase Bank, Bank of America, City National Bank, and other firms. Outside of financial services, he is the owner of ORQID MANAGEMENT LLC, a holding company for proprietary AI software he developed with a partner. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to support its recommendations.

Nicole Gilbert is a financial advisor with LPL Financial in La Mesa, CA, holding a Series 66 designation and 18 years of industry experience. She previously worked at Mass Mutual Investors Services and Massmutual Life Insurance Company. Gilbert is also a notary and co-trustee of a revocable trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management solutions supported by research and technology tools, serving over 22,800 advisors and managing more than $819 billion in discretionary assets.

John Prehatny is a financial advisor with LPL Financial based in San Diego, CA. He holds a Series 66 designation and has six years of industry experience, including roles at Axos Bank and work on an independent research project at California State University Channel Islands. 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 portfolio programs, third-party asset management, and institutional platforms.

Ari Feldman is a financial advisor at Wells Fargo Clearing with 21 years of industry experience. He holds a Series 66 designation and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services that include investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Maureen Huttel is a financial advisor at OSAIC with 12 years of industry experience. She holds a Series 66 designation and previously worked for Lincoln Financial Advisors Corporation for 11 years. In addition to her advisory role, she is licensed as an insurance agent offering accident and health insurance, disability insurance, fixed and indexed annuities, health savings accounts, long-term care insurance, and traditional life insurance products. OSAIC serves a diverse client base including individual investors, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, employing asset-allocation tools and multiple platforms to construct portfolios that may include stocks, bonds, mutual funds, ETFs, and alternative investments.

Cheryl Lopez is a financial advisor with Ameriprise Financial Services, holding a Series 66 credential and 22 years of industry experience. She has worked with Ameriprise and its affiliates since 2004. Lopez co-owns and manages her financial practice through an LLC and an S-Corporation, handling business operations and payroll functions. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes tailored recommendation reports and ongoing advice focused on income and tax-aware withdrawal strategies.

Manuel Castilla is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 66 designations and bringing 25 years of industry experience. He has been with UBS Financial Services since 2010 and previously worked at UBS International Inc. and Banc of America Investment Services, Inc. UBS Financial Services serves individual, corporate, and institutional clients through a range of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor client plans.

Quinn O'Connor is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, O'Connor held roles at New York Life and worked in various other capacities including at the Mineta Transportation Institute and the YMCA. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages a range of portfolios, including multi-manager and fund-of-funds structures, and is notable for its use of systematic methodologies and a formal advisory role to multiple registered investment companies.

Natasha Newman is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and six years of industry experience. Her work history includes roles at JPMorgan Chase Bank, N.A., and 3PlxSalsa. 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 recommendations.

Tommy Tominna is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Primerica Financial Services and Primerica Advisors since 1995. In addition to his advisory role, he is involved in the sale of loan products and home security and automation services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, which includes model-delivery strategies and a limited number of discretionary separately managed account options for individual and high-net-worth clients. The firm curates third-party asset managers and uses a tiered wrap fee structure, focusing on investment models implemented with oversight from BNY Mellon Advisors.

James Carideo III is a financial advisor with RBC Capital Markets in La Jolla, CA, holding Series 63 and Series 65 licenses and 34 years of industry experience. His career includes roles at UBS Financial Services, Robert Baird & Co., Morgan Stanley, and Citigroup Global Markets. RBC Wealth Management, a division of RBC Capital Markets, serves a diverse client base including individual investors, institutional clients, pension plans, corporations, and charitable organizations. The firm offers various advisory programs featuring discretionary and non-discretionary portfolio management, tailored to clients’ risk profiles and utilizing a blend of in-house and third-party investment managers.

Christopher Pratt is a financial advisor at OSAIC with 44 years of industry experience. He holds the CFP® designation along with Series 63 and Series 66 licenses. Prior to joining OSAIC in 2023, he worked at Sagepoint Financial, Inc. for 14 years and Wolters, Hagar & Pratt Financial Planning, Inc. for 18 years. He is also president of CAP Financial Planning, a financial planning firm based in San Diego, where he oversees operations and provides personalized financial plans to clients. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and charitable organizations, offering a range of services such as brokerage, investment advisory, financial planning, and managed accounts. The firm employs asset-allocation tools, risk assessments, and automated rebalancing to manage portfolios that include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Robert Mcclinton is a financial advisor with Primerica Advisors in Spring Valley, CA, holding Series 63 and Series 65 licenses and bringing 36 years of industry experience. He has been with Primerica Advisors since 1989 and Primerica Financial Services since 1991. Outside of advising, he is involved in the sale of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure, with portfolio implementation delegated to BNY Mellon Advisors.

Leila Sharghi is a financial advisor with Equitable Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and 35 years of industry experience. She has been with Equitable Advisors and its predecessor, AXA Advisors, LLC, since 1999. She serves as vice president on the board of directors for her homeowners association and acts as co-trustee for her immediate family. Equitable Advisors serves a broad client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, offering financial planning, retirement plan consulting, and various asset-management programs. The firm delivers its services through a network of Investment Adviser Representatives, utilizing both firm-offered and third-party advisory programs, with a focus on matching clients to appropriate investment models and discretionarily managed portfolios.

Michael Manning is a financial advisor at Raymond James Financial with 40 years of industry experience. He holds a Series 63 designation and previously spent 15 years with Commonwealth Financial Network. In addition to his advisory role, he is the CEO and majority owner of The Manning Companies, which provides wealth management and retirement plan services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse clientele, including individuals, high-net-worth clients, corporate pension plans, and institutional investors. The firm utilizes tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

June David Caalaman is a Series 66-licensed financial advisor with three years of industry experience. She is currently affiliated with LPL Financial and Mechanics Bank. Her prior experience includes roles at Cetera, Securities America, California Coast Credit Union, and United Cerebral Palsy. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of investment adviser representatives who utilize a variety of portfolio strategies and third-party asset management solutions.