Timothy Shea is a CFP® certified financial advisor with 33 years of industry experience, currently with LPL Financial since 2020. He has also been affiliated with Lucia Securities, LLC and Lucia Capital Group since 2011 and 2010, respectively. LPL Financial is a registered investment adviser and broker-dealer serving individual clients, 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 consulting services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Steven Trifoglio is a financial advisor with UBS Financial Services, holding a Series 66 designation and 29 years of industry experience. He has been with UBS Financial Services since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Michael Frey is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. He previously worked at Bank of America and Merrill Lynch from 2022 to 2025. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios alongside a formal alternative investment onboarding process.

James Provencher is a financial advisor at OSAIC with 30 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including Sagepoint Financial and MTS Financial. In addition to his advisory work, he is a self-employed estate planning attorney and serves as Board Chair of the Noah's Ark Angel Foundation, a California nonprofit organization. OSAIC serves a diverse client base ranging from individual investors to institutions, providing integrated brokerage, advisory services, and access to multiple advisory platforms. The firm employs asset-allocation tools and automated portfolio rebalancing to manage a wide range of investment products across discretionary and non-discretionary accounts.

Matthew Enyedi is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and bringing 25 years of industry experience. He has been with LPL Financial since 2003 and has concurrently worked at Fortigent, LLC since 2014. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers diverse advisory programs and services, featuring both discretionary and non-discretionary management, supported by proprietary and third-party research and advanced portfolio management technologies.

Jonathan Lucas is a CFP® and ChFC® credentialed financial advisor with 30 years of experience. He is currently with LPL Financial and previously worked at Ameriprise and Ameriprise Financial Services, Inc. from 1995 to 2025. LPL Financial serves a broad client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, providing both discretionary and non-discretionary management supported by model portfolios and research.

Todd Newell is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 10 years of industry experience. He has worked at Wells Fargo Clearing since 2019 and previously at Morgan Stanley and Morgan Stanley Private Bank, National Association from 2015 to 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary options. The firm’s advisory approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Tessa Biggs is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 designation with two years of industry experience. Her prior roles include positions at Rumble Boxing Del Mar and the University of California, San Diego. Morgan Stanley Wealth Management serves individual and institutional clients by providing advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process using firm-approved tools and models.

Art Parry is a financial advisor with Osaic Wealth, Inc. in La Jolla, CA, holding Series 63 and Series 66 licenses and having 23 years of industry experience. Prior to joining Osaic in 2025, he worked for 19 years at Lincoln Financial Advisors. Outside of advising, he is licensed to sell fixed and indexed annuities and traditional life insurance products. Osaic Wealth, Inc. serves a wide range of retail and institutional clients through a large network of affiliated advisors, offering integrated brokerage and advisory services along with financial planning, retirement consulting, and access to third-party money managers. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct diversified portfolios that may include stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Christina Coles is a financial advisor at LPL Financial in San Diego, CA, holding a Series 66 designation with two years of industry experience. Prior to joining LPL Financial, she worked for ten years at Barona Resort and Casino. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs, financial planning, and brokerage services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Itamar Erster is a Financial Advisor specializing in wealth management at Merrill Lynch Wealth Management. He has been building his career in financial services since 2018, focusing on helping clients achieve their financial goals through personalized strategies. His client focus areas include education planning, family wealth management, retirement planning, portfolio management, tax minimization, and legacy planning. In his role, Itamar also connects clients to Bank of America specialists for banking, credit, home financing, and small business solutions. Itamar was raised near Los Angeles by Israeli immigrant parents and developed a strong foundation of determination and resilience. He pursued higher education at Sonoma State University, where he earned a bachelor's degree with a double concentration in Financial Management and Marketing, graduating Magna Cum Laude. During college, he took on leadership roles in the Phi Delta Theta Fraternity, including Treasurer and Scholarship Chair. Itamar holds several professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of his professional work, Itamar enjoys spending time with his family and friends, playing basketball, hiking, traveling, and listening to music. He is involved in community service through the Phi Delta Theta Fraternity's Philanthropy Committee. He is bilingual in English and Hebrew.

Alexandra Banham is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has previously worked at the Board of Governors of the Federal Reserve System and AXA Advisors LLC. She has also been affiliated with the University of Maryland since 2018. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Christian Edward Seiber is a financial advisor at UBS Financial Services with a Series 66 designation and one year of industry experience. Prior to joining UBS, he worked at CETERA Advisor Networks LLC and has held roles outside finance at Sully Entertainment Group and The BXNG Club. He also has experience with the City of Del Mar. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining model-based asset allocations and proprietary research to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and provides a broad range of capital markets solutions.

Maksim Ivanchuk is a financial advisor at Edward Jones with five years of industry experience. He holds Series 66 and Series 63 licenses and has worked at Edward Jones, Ameriprise, North Island Credit Union, Bbva/PNC, and US Bank. In addition to his advisory role, Maksim is starting a side business in used auto sales. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a variety of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a large national network of advisors and branch offices.

David Laub is a financial advisor at Merrill with 25 years of industry experience. He has held his current position at Merrill since 2008 and holds Series 63 and Series 65 designations. 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.

March Doolittle is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and three years of industry experience. She has been with LPL Financial since 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Fred Berry is a Senior Financial Advisor at Merrill Lynch Wealth Management. Since joining Merrill in 1995, he has worked with high net-worth clients to address their complex financial needs, specializing in portfolio construction and retirement income planning. Fred's approach emphasizes a personalized strategy designed to help clients pursue their long-term goals through a comprehensive understanding of their full financial picture. With over 30 years of industry experience, Fred provides tailored wealth management strategies focused on portfolio development, liability management, tax minimization, and asset preservation. His expertise encompasses areas such as college education planning, divorce transition planning, family wealth management, defined benefit plan services, personal retirement planning, portfolio management, special needs planning, women and wealth, tax minimization, and retirement income. Fred holds the Professional Investment Advisor (PIA) designation. Fred earned his bachelor's degree in Economics with an emphasis in International Finance from the University of California, Santa Barbara. He lives in Encinitas, California with his wife and two daughters. Outside of work, he enjoys golfing, skiing, and spending time with his family. He is actively involved in his community through volunteer work.

Craig Hunter is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has been with Wells Fargo since 2011, initially with Wells Fargo Advisors LLC before joining Wells Fargo Clearing in 2016. Outside of his advisory role, he serves as a trustee and executor for a friend’s estate. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Theresa Kumar is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 11 years of industry experience. She previously worked at U.S. Bancorp Investments and U.S. Bank for seven years before joining Wells Fargo Bank and Wells Fargo Clearing in 2023. Wells Fargo Advisors serves individual, corporate, and institutional clients by offering investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and utilizes research and analytics to support diversified investment strategies.

Jennifer Clyde is a financial advisor at LPL Financial with 14 years of industry experience. She holds a Series 66 designation and has been associated with LPL Financial since 2024. Prior to joining LPL, she worked at Geneos Wealth Management and has operated Kenny Clyde Financial since 2010, where she also serves as a notary. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm provides a range of advisory programs and financial planning services, offering both discretionary and non-discretionary management supported by internal and third-party research.