Lily Fallah is a CFP® professional at OSAIC with seven years of industry experience. She previously worked at Wells Fargo Advisors, Morgan Stanley, and Woodbury Financial Services. Fallah serves as Treasurer and Chair of the Investment Committee for The Arc of San Diego, a nonprofit supporting people with disabilities. OSAIC Wealth serves retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, comprehensive financial planning, and portfolio management with a model-based investment approach.

Samuel Tapia is a financial advisor with Wells Fargo Clearing in Carlsbad, CA, holding Series 63 and Series 65 licenses and 27 years of industry experience. His prior experience includes roles at Morgan Stanley and its affiliates from 2000 to 2010. He has been with Wells Fargo Clearing since 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 uses research from Wells Fargo Investment Institute and third parties to inform investment decisions.

Robert Krieger is a CFP® credentialed financial advisor with 32 years of industry experience. He is currently with Cambridge Investment Research Advisors, where he has been since 2024. Prior to this, he held positions at Ic Advisory Services Inc, The Investment Center, Inc., Global Retirement Partners LLC, LPL Financial, and Merrill. Outside of his advisory work, he serves as a board member of Catapult HQ Inc. and is president of BNE Strategies Inc., focusing on consulting and coaching. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, pension funds, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and provides proprietary model strategies under the Founders Gate Capital brand.

Manuel Contreras is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including New York Life Insurance, Northwestern Mutual, and Wells Fargo. Outside of his advisory role, he is involved in event planning and luxury restroom services businesses, as well as holding an alcohol and beverage license for private and social events. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, and endowments, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized manager solutions team.

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 at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing, UBS Financial Services, and A. G. Edwards & Sons, Inc. since beginning his career in 1997. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational tools and a broad network of over 22,800 advisors.

Nicholas Anderson is a financial advisor with J.P. Morgan Securities in Carlsbad, CA, holding Series 63 and Series 66 designations and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked with JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their approach combines quantitative and qualitative research, uses forward-looking capital market assumptions, and includes an ESG eligibility framework in their recommendations.

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.

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.

Gregory Fox is a financial advisor at LPL Financial with seven years of industry experience. He holds Series 63 and Series 66 credentials and has worked at several firms including Terramar Wealth, Commonwealth Financial Network, and Sagepoint Financial. Outside of his advisory role, he has an RV rental business through Outdoorsy.com. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides 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 supported by research and technology tools.

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 with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and six years of industry experience. She has prior experience at Bank of America, Merrill Lynch, and Related Management. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s advisory approach includes structured planning tools and scenario modeling but generally does not provide individual security recommendations in its standalone planning services.

Solmaz Morales is a Financial Advisor at Merrill Lynch Wealth Management. She works closely with clients to define their financial goals and develop personalized portfolio strategies aimed at achieving those objectives. Her approach involves ongoing advice and portfolio adjustments in response to changes in clients' situations. Solmaz focuses on various client needs, including college education planning, legacy planning, managing new wealth, personal retirement planning, women and wealth, and retirement income. She holds a Bachelor's Degree from San Jose State University and is designated as a Personal Investment Advisor (PIA). She communicates fluently in both English and Farsi. Beyond her professional role, Solmaz balances her work with personal interests such as ice skating, music, running, tennis, traveling, and spending time with her family. She aims to help her clients navigate financial priorities in a way that aligns with their unique ambitions and family needs.

Allison White is a Series 66-credentialed financial advisor with five years of industry experience. She currently works at Morgan Stanley in Carlsbad, CA, joining the firm in 2022 after prior roles at Equitable Advisors, Colliers International, and other firms. Outside of her advisory work, she is a fitness instructor at Studio Barre. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm’s approach uses structured discovery and modeling tools to create plans, with clients responsible for implementation and updates.

Matthew Leonard is a CFP® professional with 18 years of industry experience. He has been with Edward Jones since 2007, working in their Carlsbad, CA office. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and 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.

Michael Poponyak is a financial advisor with Stifel in Carlsbad, CA, holding a Series 63 designation and bringing 45 years of industry experience. He has been with Stifel Nicolaus & Co. since 2009. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.