Jyoti Alwani is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and possessing 12 years of industry experience. She has worked within various capacities at J.P. Morgan since 2009. 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 delivers these services on a non-discretionary basis and integrates institutional advisory operations with brokerage, distribution, and investment management capabilities.

Timothy Landry is a financial advisor with LPL Financial in Carlsbad, California, holding a Series 66 designation and 26 years of industry experience. He previously worked at Cetera Wealth Services, LLC for eight years before joining LPL Financial in 2008. Outside of his advisory role, he manages real estate properties that he uses for client meetings on the East Coast. 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 access, and institutional platforms.

Samuel Castro is a financial advisor with Merrill in San Marcos, CA, holding Series 63 and Series 66 licenses and two years of industry experience. His prior roles include positions at Bank of America, Wells Fargo Clearing, and Wells Fargo Bank. 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.

John Howells IV is a CFP® professional with 42 years of industry experience, currently serving at Equitable Advisors since 2005. His prior experience includes roles at Axa Advisors, LLC and Mony Securities Corporation. Outside of his advisory work, he is an instructor at Mira Costa College and Palomar College and serves as a ward mission leader for the Church of Jesus Christ of Latter-day Saints. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a network of Investment Adviser Representatives and a variety of third-party advisory programs to deliver a broad range of investment solutions.

Joseph Rogers is a CFP® and ChFC® with 10 years of industry experience. He currently works at Raymond James Financial Services Advisors, Inc. and has previous experience at Northwestern Mutual and Chantel Bonneau Stewart. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individuals, high-net-worth clients, institutions, and charitable organizations. The firm provides tailored non-discretionary planning and consulting using risk profiling and analytical tools, supporting a broad advisor network with specialized municipal and SIMPLE IRA advisory services.

Gregg Himfar is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His prior work includes roles at Investacorp Advisory Services Inc, Investacorp, Inc., and Prudential Investment Management Service. He also maintains an outside business activity as a non-variable insurance agent. 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 financial planning and investment management services, utilizing both proprietary and third-party strategies across various platforms.

Samuel Dabney is a financial advisor at Edward Jones in Bonsall, CA, holding a Series 66 designation with five years of industry experience. Prior to joining Edward Jones in 2021, he served in the United States Marine Corps for 20 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Jon Frandell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. His prior roles include positions at Bank of America and Merrill. He serves on the board of the Boys & Girls Clubs of North County Foundation, where he reviews financials to support ongoing programs. 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 IPS-driven investment approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Eric Moffitt is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. His prior experience includes seven years with Wells Fargo Advisors Financial Network LLC. In addition to his advisory role, he is a licensed real estate agent with Berkshire Hathaway, focusing on residential home sales. Raymond James Financial Services Advisors delivers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and maintains specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Daniel Anderle is a financial advisor with Raymond James Financial in Encinitas, CA, holding a Series 66 designation and 19 years of industry experience. He has worked at Raymond James and affiliated entities since 2017, with prior experience at Union Bank MUFG. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Thomasina Sanchez is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at Morgan Stanley Smith Barney LLC for 13 years. Sanchez serves as a trustee for T B B Trust in Encinitas, California. 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, and institutional investors.

Delanie Millan is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and has prior experience at Morgan Stanley and her own firm, Millan Group Inc. Outside of her advisory roles, no additional activities are noted. 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 for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jonathan Dickson is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he spent six years with the Allan Gray Orbis Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a broad range of advisory programs and investment solutions supported by a nationwide network of over 23,000 advisors and more than $1 trillion in assets under management.

Sara Peltier, WMCP, is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and seven years of industry experience. Her prior roles include ownership interest in TYGA RE Investments and work with JPMorgan Chase Bank and previous entrepreneurial ventures. Outside of her advisory work, she has engaged in real estate investment as an owner and partner in a residential rental property. 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 to support customized, non-discretionary investment decisions.

Hannah Kelly is a financial advisor at LPL Financial with five years of industry experience. She holds the Series 66 designation and has worked previously at Dunham & Associates Investment Counsel, Inc. and Total Logistics Resources. She is also involved with AEFCT, a non-investment business activity. 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 investment management solutions, including access to model portfolios, third-party asset managers, and institutional platforms.

Christian Chapman is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and six years of industry experience. He has been with LPL Financial since 2020 and previously worked with Compass Balloons in 2019. Outside of his advisory role, Chapman is involved as an assistant coach for the Carlsbad Unified School District and participates in the Friday Night Lights Youth Flag Football League. 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, and institutional platforms, with investment strategies that incorporate both discretionary and non-discretionary approaches.

Noah Cicciarelli is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has worked previously at Axos Invest, Inc., BOFI Federal Bank, Axos Financial Inc., and Bank of America. Noah is based in San Marcos, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Michael Hamner is a financial advisor with Cetera in Carlsbad, CA, holding a Series 66 designation and 26 years of industry experience. He has been with Cetera and its related entities since 2003 and runs Hamner & Associates, an accounting and tax planning firm established in 1987. Cetera Investment Advisers LLC operates as an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutions through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, featuring multiple program structures and access to both affiliated and third-party managers.

Gary Sengle is a financial advisor at OSAIC with eight years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sagepoint Financial, Inc. and Royal Alliance. Outside of advising, he owns and operates a residential plumbing business and is a public speaker and coach focusing on leadership principles. OSAIC Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct customized portfolios across various asset classes.

Timothy Wright is a CFP®-certified financial advisor with eight years of industry experience, currently with LPL Financial. His prior roles include positions at PNC Investments and J.P. Morgan Securities. Outside of his advisory work, he is involved with Outside Wealth LLC, a business entity for tax and investment purposes. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.