Chris Mccann is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and bringing 24 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process supported by firm-approved tools and models.

Donovan Filpi is a Wealth Management Advisor with Merrill Lynch Wealth Management. He has been with Bank of America/Merrill since 2006 and brings extensive experience in providing financial strategies focused on family wealth management, retirement planning, portfolio management, and socially responsible investing. He emphasizes the importance of balancing risk management, portfolio allocation, and comprehensive spending plans tailored to clients' lifestyles to help restore confidence in financial planning amidst market volatility. Since 2016, Donovan has been a member of The Special Needs Team at Merrill, collaborating with special-needs professionals and family members to support individuals unable to care for themselves. His role involves addressing unique financial challenges faced by vulnerable populations, including the elderly and those with special needs, aligning with his commitment to compassionate service. Donovan earned his Bachelor of Arts degree in psychology with a business specialization from UCLA in 2000. He holds several professional designations including Chartered Special Needs Consultant (ChSNC), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He resides in Vista, California, with his wife Jessica and their three children. Donovan is active in his community, participating in Anthem Church and Strong Families For Children, and enjoys running, cooking, and spending time with his family in San Diego County.

Theodore Tadeusiak is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. He previously worked at Morgan Stanley from 2009 to 2017 before joining Wells Fargo Advisors. He owns and operates Core Process Wealth Management LLC in Carlsbad, CA. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options and utilizing Wells Fargo’s research and planning tools to develop tailored recommendations.

Gregory Starkey is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at PFS Investments ONC, Primerica Financial Services, TD Ameritrade, and Scottrade. Outside of his advisory work, he is the founder and owner of Faith Inflatables, a small consumer-products venture focused on large decorative holiday inflatables. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized custody and order-routing services.

James Fields is a financial advisor at Fidelity with 12 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with firms including TD Ameritrade, Merrill, Bank of America, and AXA Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios. The firm also serves as a registered commodity pool operator and advisor to multiple investment companies.

Leonardo Ryan is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 registrations and has previously worked at Fidelity Investments and several banking institutions. 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, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Gregg Alsbury is a financial advisor with Charles Schwab in Carlsbad, CA, holding CFP®, Series 63, and Series 66 credentials and 13 years of industry experience. He has worked at Charles Schwab since 2014 and at Charles Schwab Bank since 2016. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines a non-discretionary client relationship model with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by Schwab's in-house research.

Kalyn Walker is a financial advisor at Raymond James & Associates with 19 years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services and Merrill. Raymond James & Associates is a large, dually registered broker‑dealer and SEC‑registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Kevin Witowich is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 15 years of industry experience. Prior to joining Ameriprise in 2021, he worked at various BBVA entities including BBVA Wealth Solutions Inc., BBVA Compass Insurance Agency, Compass Bank, and BBVA Securities Inc. He served on the Board of Directors and as Vice President of the Oceanside Chamber of Commerce. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Lily Fallah is a CFP® professional with seven years of industry experience, currently affiliated with OSAIC. Her prior roles include positions at Wells Fargo Advisors, Morgan Stanley, and Woodbury Financial Services. She serves as Treasurer and Chair of the Investment Committee for The Arc of San Diego, a nonprofit organization supporting individuals with disabilities. OSAIC serves a diverse clientele including retail and institutional investors, providing integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs various asset-allocation and risk-management tools and offers access to third-party money managers and managed-account solutions.

Samuel Tapia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Wells Fargo since 2010, initially at Wells Fargo Advisors LLC and continuing at Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Robert Krieger is a CFP® credentialed financial advisor with over 32 years of industry experience. He is currently with Cambridge Investment Research Advisors and previously worked at firms including Merrill, LPL Financial, and Global Retirement Partners. Outside of advising, he serves as president of a consulting and coaching firm, BNE Strategies Inc., and holds board positions with Catapult HQ Inc. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides tailored investment strategies across various custody platforms, including proprietary and third-party models, and supports advisors with institutional features such as equity participation and formal compliance processes.

Jennifer D'Amico is a financial advisor at LPL Financial with 23 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including Merrill and Wells Fargo Clearing. Outside of her advisory role, she operates JD Consulting, a non-investment-related business. 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 wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Brian Holman is a financial advisor with Primerica Advisors in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Primerica Advisors since 2000 and with Primerica Financial Services since 1999. Outside of advisory work, he is president of Holman BC Enterprises, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Colin Wren is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and 35 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, UBS Financial Services, and A. G. Edwards & Sons, Inc. 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 provides a range of services including financial planning, wrap and model portfolio programs, and institutional platforms, with investment strategies that include discretionary and non-discretionary management and a variety of portfolio options.

Nicholas Anderson is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked at JPMorgan Chase Bank, N.A. since 2011. 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 through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Rebecca Dempsey is a financial advisor with Raymond James & Associates holding a Series 66 credential and two years of industry experience. Prior to joining Raymond James, she worked at Stifel Financial Corp. and has part-time experience as a bartender. Rebecca is based in Oceanside, CA. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers financial planning and consulting services supported by a range of portfolio management styles and affiliated research.

Andrew Costanzo is a financial advisor at Cetera with over 55 years of industry experience. He holds the ChFC® and Series 63 designations and has been affiliated with Cetera since 2013. In addition to his role at Cetera, he owns Costanzo Consulting LLC, a financial services firm focused on client reviews and onboarding. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers both discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers through a multi-manager platform.

David Wine is a financial advisor with Primerica Advisors in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Primerica Advisors since 2000 and has been affiliated with Primerica Financial Services since 1984. Outside of advisory work, he is involved in sales 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 employs a tiered wrap fee structure, focusing on a range of investment models including Strategic, Tactical, Tax-Aware, and Income Distribution approaches.

Nina Nitti is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds the Series 63 designation and has been with Morgan Stanley Private Bank, N.A. since 2015, having worked at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning based on structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides planning services supported by the Global Investment Committee’s return estimates and Monte Carlo simulations.