Leonardo Ryan is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Fidelity Investments and several other firms. J.P. Morgan Securities provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and 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 with Raymond James & Associates, holding a Series 66 designation and 18 years of industry experience. She previously worked at UBS Financial Services for 10 years before joining Raymond James in 2024. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a diverse client base, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and asset-allocation analyses, supporting both discretionary and non-discretionary advisory relationships.

Kevin Witowich is a financial advisor at Ameriprise with 15 years of industry experience. He holds a Series 66 designation and previously worked at BBVA Wealth Solutions, BBVA Securities, Compass Bank, and U.S. Bancorp Investments. He serves on the Board of Directors and as Vice President of the Oceanside Chamber of Commerce. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides personalized recommendation reports and ongoing advice focused on dependable income 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® professional with 31 years of industry experience. He is currently affiliated with Cambridge Investment Research Advisors and has held prior roles at Ic Advisory Services Inc and The Investment Center, Inc. Outside of his advisory work, he serves on the board of Catapult HQ Inc and is president of BNE Strategies Inc, a consulting and coaching firm. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base including individuals, pension plans, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals using a variety of portfolio management strategies and custody arrangements.

Jennifer D’Amico is a financial advisor with LPL Financial, holding Series 63 and Series 66 credentials and possessing 23 years of industry experience. Her prior roles include positions at Merrill and Wells Fargo Clearing. She operates JD Consulting, a home-based business unrelated to investment activities. LPL Financial is an SEC-registered adviser and broker-dealer serving individuals, 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 and services, including financial planning, retirement plan consulting, and access to model portfolios and research.

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 at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 advisory programs, financial planning, and retirement consulting services with both discretionary and non-discretionary management options.

Nicholas Anderson is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, also working with JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting. As part of J.P. Morgan, the firm delivers advisory services alongside brokerage, distribution, and investment management capabilities.

Benjamin Smith is a financial advisor at Merrill with a Series 66 credential and four years of industry experience. His prior work includes positions at U.S. Bank and Bank of America N.A. He is based in Oceanside, California. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and other institutional investors.

Rebecca Dempsey is a financial advisor at Raymond James & Associates with two years of industry experience. She holds a Series 66 designation and has worked previously at Stifel Financial Corp. Outside of finance, she is employed part-time as a bartender at Hennessey's Tavern in Carlsbad, California. Raymond James & Associates provides financial planning and investment consulting to a diverse client base, including individuals, retirement plans, corporate and charitable entities, and government clients. The firm offers tailored financial plans and investment recommendations through both non-discretionary advisory relationships and institutional consulting services.

Andrew Costanzo is a financial advisor at Cetera with 54 years of industry experience and holds the ChFC® and Series 63 credentials. He has been affiliated with Cetera Advisors LLC since 2013 and operates Costanzo Consulting LLC, providing financial services including client reviews and onboarding. Costanzo also runs Costanzo Financial Group, a securities and fixed insurance business. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and various program structures supported by affiliated and third-party managers.

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.

Mia Amos is a financial advisor with Charles Schwab in Carlsbad, CA, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She previously worked at TD Ameritrade for 17 years before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves a large client base primarily made up of 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 offers both non-discretionary and discretionary investment options, combining centralized custody and brokerage services with multi-asset portfolio management and alternative investment due diligence.

Brandon Johnson is a financial advisor at Fidelity with three years of industry experience. He holds a Series 66 designation and has previously worked at Wedbush Securities, Guaranteed Rate, Texana Bank, Flagstar Bank, and HomeStreet Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios while overseeing sub-advisers and addressing potential conflicts of interest.

Orsolya Gyokeres is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and Related Management. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct individual relationships and corporate financial planning agreements.

Laila Margallo is a Wealth Management Advisor with Merrill Lynch Wealth Management. No additional information about Ms. Margallo's experience, education, credentials, or personal interests was provided.