Johnny Aguilar is a financial advisor at Charles Schwab with one year of industry experience. Prior to joining Schwab in 2022, he spent several years in education and operated Janet's Cafe & Deli. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts.

Gavin Holmes is a financial advisor at Morgan Stanley with a Series 66 credential and no prior industry experience. Before joining Morgan Stanley, he worked at RemoteLink Solutions and has experience in educational roles at San Diego State University and High Tech High Chula Vista. 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 and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Valerie Reyes is an Investment Consultant at Fidelity Investments, where she partners with clients to develop personalized financial plans that align with their goals. She aims to ensure clients feel informed, supported, and empowered to make decisions regarding their financial future. Valerie has held several roles at Fidelity Investments, including Planning Consultant from 2022 to 2025 and Relationship Manager from 2021 to 2022. Prior to joining Fidelity, she worked as a Financial Consultant at LA Pension Planners and Equitable Advisors. She holds a California Insurance License. Outside of work, Valerie enjoys board games, cooking and baking, spending time with pets, Pilates, snowboarding, and traveling.

Deborah Muenchow is a financial advisor at Stifel with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2015. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Allan Tentler is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in legacy planning, liquidity management, personal retirement planning, and portfolio management services. He serves clients with a focus on personalized wealth management strategies that align with their values and life goals. Allan emphasizes clear communication and trust as the foundation of his client relationships, providing access to Merrill's investment insights and Bank of America's banking and lending solutions. Born and raised in San Diego, Allan has deep community ties, having graduated from Rancho Bernardo High School and earned a Bachelor's degree in Economics from San Diego State University. He began his advisory practice in 2008, building his business during challenging market conditions by prioritizing client experience. Allan holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his professional work, Allan participates in community volunteer activities in line with Merrill's commitment to local engagement. His personal interests include adventure sports, golf, soccer, surfing, and tennis.

Andrew Norolahi is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 24 years of industry experience. He has been with Ameriprise and its affiliate since 2005. Ameriprise offers retirement-income planning services aimed at individuals approaching or in retirement who meet specific asset criteria, combining research, modeling, and tax-efficiency analysis to provide written Recommendation Reports. The firm delivers a broad range of advisory, brokerage, and insurance solutions through affiliated entities.

Avyn Strahlendorff is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in college education planning, personal retirement planning, and focuses on serving women and wealth management needs. Avyn approaches financial planning by working closely with clients to align their finances with their values, goals, and vision for the future. With professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA), Avyn brings expertise in developing personalized financial strategies. She emphasizes the importance of understanding each client's unique circumstances to provide thoughtful and relationship-based guidance. Avyn holds a Bachelor's Degree from San Diego State University. Outside of her professional work, she enjoys activities such as baseball, basketball, cooking, golfing, music, photography, pickleball, running marathons, softball, and spending time with her family.

Christopher Kosmo is a financial advisor with Morgan Stanley, holding a Series 66 designation and 15 years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Bank prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Michael Moon is a CFP® with 42 years of industry experience, currently affiliated with LPL Financial. His prior roles include 23 years at Lincoln Financial Advisors and three years at Commonwealth Financial Network. He is co-owner of Moon Wealth Management, LLC, which supports his securities, advisory, and insurance activities. 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 comprehensive advisory and brokerage services, including financial planning and institutional platforms, with a broad range of investment strategies implemented through a large network of investment adviser representatives.

Sharon Peterson is a financial advisor at Equitable Advisors with 44 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at SharMarc Financial Advisors, Inc. for 20 years and LPL Financial, LLC for 28 years. Peterson also provides financial planning and consulting services through SharMarc Financial Advisors, Inc., an independent investment advisory firm she started in 2006. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients, offering financial planning, retirement plan consulting, and various asset management programs. The firm uses a range of third-party and proprietary advisory programs and provides ERISA fiduciary services to qualified plans.

Joseph Stenovec is a CFP® with 17 years of industry experience, currently serving as an advisor at LPL Financial. His prior experience includes roles at OSAIC and Lifetime Financial Advisors, Inc. He is also involved with Wealth Manager Group LLC, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of investment solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Menatalla Nada is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 10 years of industry experience. She has been with Merrill and Bank of America, N.A. since 2016. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Fredrick Wollman is a financial advisor with Cetera, holding the CFP® designation and Series 63 license, with 45 years of industry experience. He has worked at Cetera since 2021 and operated Wollman Wealth Designs, Inc. since 1998. Outside of his advisory work, he serves as chair of the board of trustees for the Ecolife Conservation nonprofit and is president of the Valley Center Trail Association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Michaela Brickley is a financial advisor with LPL Financial based in San Diego, CA, holding the Series 66 designation and bringing 12 years of industry experience. Her prior roles include positions at Independent Financial Group and Commonwealth Financial Network. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions with a broad range of advisory and brokerage services. The firm supports its network with various investment options and operational tools while maintaining oversight of significant discretionary assets and a large advisor network.

Marc Phillipe Mongeon is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Merrill, TD Ameritrade, and RBC Capital Markets. He is based in Ramona, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes specialized regulatory registrations supporting broader derivatives and commodities capabilities.

Steven Varghese is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 credential and bringing one year of industry experience. Prior to his current role, he has held several positions including at EagleStone Tax & Wealth Advisors and multiple roles within the University of California, San Diego. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, noted for its Premier Retirement Income service that provides tailored retirement income planning through ongoing advice and written recommendation reports. The firm’s approach integrates proprietary investment research and third-party data within a product ecosystem that includes affiliated sub-advisers and managed accounts.

Zachary Anthony is a financial advisor at Stifel with one year of industry experience. He previously worked at Whole Foods for five years before joining Stifel. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services guided by a proprietary investment methodology developed by its Investment Strategy Group.

Steven Nartker is a CFP® and PFS™ with 17 years of experience in financial advisory and accounting. He is currently with LPL Financial and has previously worked at firms including Cetera, Avantax, and Cambridge Investment Research Advisors. He also operates a tax preparation and accounting practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of advisory and brokerage services with a broad selection of investment strategies and platforms.

Monica Bezy is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She previously worked at TD Ameritrade Institutional for 11 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets through a network of more than 23,700 advisors. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Edward Finnegan is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2020 and was promoted to his current role in 2023. In this capacity, he collaborates closely with clients to develop and implement personalized financial plans that align with their individual goals, utilizing Fidelity's resources to explore various financial options. Prior to joining Fidelity, Edward held several positions at Charles Schwab & Co. from 2012 to 2020, including Vice President, Financial Consultant. His professional experience spans over a decade in financial consulting and client service roles. Edward holds a California Insurance License. Outside of his professional commitments, Edward enjoys activities such as beach visits, fitness, football, snowboarding, surfing, and traveling.