Laura Greenberg is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2017. She has been with Fidelity since 2013, progressing from Investment Consultant to Financial Consultant before assuming her current role. Prior to joining Fidelity, Laura worked as a Financial Advisor at Edward Jones from 2009 to 2013 and briefly at Merrill Lynch in 2009. In her role, Laura partners with high-net-worth individuals and families to help them clarify priorities and make informed financial decisions. She focuses on developing a deep understanding of clients' goals and values to provide thoughtful guidance and a disciplined planning framework aimed at supporting long-term financial well-being. Laura holds a California Insurance License. Outside of her professional work, Laura's personal interests include beach activities, family activities, football, social events with friends, scuba diving, and skiing.

Maria Maldonado is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds the Series 63 and Series 66 designations and previously worked at J.P. Morgan Securities and Pier 1. Her current role at Morgan Stanley began in 2023. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools supported by its Global Investment Committee.

Michael Brezovsky is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to understand their unique financial situations and goals, using Fidelity's resources and his expertise to build and implement comprehensive financial plans. He serves as a reliable source of information and support for clients through changing circumstances and evolving objectives. Michael has been with Fidelity Investments since 2018, progressing through multiple roles including Financial Consultant and Investment Consultant. His experience spans workplace planning and investment consulting, providing him with a broad perspective on financial advising. He holds a California Insurance License and is a CERTIFIED FINANCIAL PLANNER™ professional.

Laurie Burkhardt is a financial advisor at Wells Fargo Clearing with 20 years of industry experience. She holds the Series 66 designation and has worked at Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial products including insurance-related vehicles and bank deposit sweep options.

Benjamin Chapman is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and five years of industry experience. His career includes roles at Edward Jones and GrantLinkx before joining LPL Financial in 2020. Between 2019 and 2020, he took a year for extended travel. 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 financial planning and investment management services, utilizing model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational and research tools.

Richard Clawson is a financial advisor with Wells Fargo Advisors in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 23 years of industry experience. He has been affiliated with Wells Fargo and its related entities since 2009. Outside of his advisory role, he has ownership interests in Lone Pine Run Inc and CCS Capital Management LLC, both investment-related businesses. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services tailored to clients meeting certain net-worth thresholds, utilizing Wells Fargo research and planning tools to develop customized recommendations.

Lake Lapp 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 J.P. Morgan Securities and JPMC Bank NA since 2021. His prior experience includes roles at Equitable Financial Life Insurance Co., Securities America Inc., Advisor Group, Inc., and North Star Financial Partners. He also has a background at Creighton University. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence. The firm emphasizes an ESG eligibility framework and offers services through its Institutional Consulting Services program on a non-discretionary basis.

Jheneffer Carleto Borsoi Pacheco is a Series 66-licensed advisor with Merrill, based in Carlsbad, CA, and has been with the firm since 2025. Prior to Merrill, she held positions at Bank of America, Global Financial Impact, and other organizations in various roles from 2019 onward. 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 investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Stephen Lowery is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing seven years of industry experience. He has been with J.P. Morgan Securities since 2018 and previously worked at JPMorgan Chase Bank, N.A. from 2018 to 2020. Prior to his financial services career, he was involved with the YMCA of San Diego County from 2012 to 2018. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities, delivering recommendations on a non-discretionary basis with oversight from an in-house manager solutions team.

Ethan Park is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and two years of industry experience. He has also worked at Charles Schwab and JPMorgan Chase Bank. Outside of finance, he advises his family-owned restaurant, The Original Pancake House in Fort Collins, on business decisions including cash management. 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 an ESG eligibility framework.

Raymundo Catalan is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019, with prior experience at Axa and Medline Industries. He serves as a board member and treasurer for the Escondido Chamber of Commerce, a nonprofit organization supporting local businesses. 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 through a select group of Wealth Advisors.

Andrew Axelson is a CFP® with 16 years of experience in the financial services industry. He currently works at Morgan Stanley and has held positions at JP Morgan Chase Bank, N.A. and J.P. Morgan Securities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety 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 ranging from retail to institutional offerings.

Mario Contreras is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. His prior roles include positions at Schwab Wealth Advisory, Charles Schwab, Envestnet PMC, J.P. Morgan Securities Inc., and Banc One Securities Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, third-party asset management, and institutional platforms, supported by a large network of investment adviser representatives.

Kevin Fennell is a financial advisor at Morgan Stanley in San Diego, CA, holding a Series 66 credential with eight years of industry experience. His prior roles include positions at UBS Financial Services and BDO. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and processes supported by its Global Investment Committee.

Stephanie Van Hook is a financial advisor with LPL Financial in San Diego, CA, holding Series 66 and Series 63 licenses and bringing 17 years of industry experience. She has been with LPL Financial since 2009. 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 institutional platforms, supporting advisors with tools and strategies that span discretionary and non-discretionary account management.

John Faustino is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. His prior roles include positions at Waddell & Reed, Inc., Ernst & Young Investment Advisers LLP, VOYA Financial Advisors, Inc., and Cantella & Co., Inc. Faustino served as a board member of the Kiwanis Club of Poway from 2012 to 2018. 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 other institutions. The firm offers a range of financial planning and investment management solutions through a broad network of investment adviser representatives.

Francis Dempsey is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 65 designations and offering over 32 years of industry experience. He has been with Edward Jones since 1993. In addition to his advisory role, he works part-time as a college instructor at the University of La Verne in Naples, Italy. Edward Jones is a full-service wealth management firm serving a broad client base including individual and institutional investors. The firm manages over $1 trillion in assets and offers a range of advisory strategies, including wrap fee programs and separately managed accounts, supported by a nationwide network of more than 23,000 advisors.

Thomas Domogma is a financial advisor with LPL Financial based in San Diego, CA. He holds a Series 66 designation and has nine years of industry experience. His previous roles include positions at Morgan Stanley and Morgan Stanley Private Bank, as well as experience with The Startup Garage. 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 through a large network of investment adviser representatives, featuring various portfolio programs and institutional platforms.

Jessica Cuevas is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors, LLC from 2009 to 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Melinda Woodell is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 66 licenses and possessing 28 years of industry experience. She has been with Wells Fargo Clearing since 2016 and has worked within Wells Fargo Bank and Wells Fargo Advisors, LLC since 2011. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.