Kelly Ginsberg is a financial advisor at D.A. Davidson & Co. with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including SA Stone Wealth Management Inc. and Quest Capital Strategies, Inc. Outside of his advisory role, he is involved with San Diego Residential Solutions SRS Inc. D.A. Davidson & Co. provides investment advisory and brokerage services to a diverse client base, including retirement plans, individual investors, charitable organizations, and corporations. The firm offers a range of services such as ERISA retirement plan advisory, comprehensive financial planning, and a private wealth program for high-net-worth clients, operating under fiduciary standards and employing both qualitative and quantitative analysis.

Anthony Lafrano is a Senior Financial Advisor at Merrill Lynch Wealth Management. He began his career in financial services with Morgan Stanley in 1999 and joined Merrill Lynch Wealth Management in 2004. Anthony works with corporate clients, executives, and individuals, focusing on areas such as college education planning, divorce transition planning, equity compensation services, liquidity management, managing new wealth, and retirement income. With experience in navigating challenging markets, Anthony develops investment plans tailored to clients' personal goals and monitors performance over time. He utilizes the resources of Merrill Lynch Wealth Management alongside a personalized wealth management process to support his clients. Additionally, Anthony participates in client education through seminars on global political and economic trends offered by the LM Team. He holds a Personal Investment Advisor (PIA) designation and earned a bachelor's degree from the California State University system. Outside of his professional work, Anthony enjoys camping, surfing, watching movies, and practicing yoga.

Jennifer Schroeder is a Series 66-credentialed financial advisor with 17 years of industry experience. She is currently with LPL Financial since 2023 and was previously at Commonwealth Financial Network from 2015 to 2023. Schroeder volunteers as a greeter for AARP’s VITA free tax preparation program serving seniors and low-income households. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios, research, and both discretionary and non-discretionary management approaches.

Mason Bartlett is a financial advisor at Morgan Stanley with nine years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at E*TRADE Capital Management, E*Trade Securities, and Wells Fargo. Bartlett is based in Carlsbad, CA. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured planning tools and modeling techniques and delivers both individual and corporate financial planning services.

Kathleen Racette is a financial advisor with Wells Fargo Clearing in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of her advisory role, she holds a minority ownership stake in J&T Yakima, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with notable inclusion of insurance-related investment options and bank deposit sweep programs in its offerings.

Eric Philippart is a financial advisor with Morgan Stanley in Carlsbad, California, holding a Series 66 designation and 18 years of industry experience. His career includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning that utilizes structured discovery processes and analytical tools such as Monte Carlo simulations.

Chad Escobedo is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and two years of industry experience. He has worked at J.P. Morgan Securities since 2024 and has been employed by JPMorgan Chase Bank, N.A. since 2013. 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 in its investment approach.

Zachary Mc Coy is a Series 66-licensed financial advisor at Stifel with one year of industry experience. Prior to joining Stifel, he worked at Salesforce, Workday, Cornerstone On Demand, and Enterprise Rent-A-Car. Stifel serves a wide range of clients including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment strategy and capital market modeling.

Reza Taraz is a financial advisor with Ameriprise in Carlsbad, CA, holding a Series 66 designation and 26 years of industry experience. He has been with Ameriprise and its affiliated entities since 1999. Outside of his advisory role, he is a board member of the Rancho Santa Fe Rotary Club and owns Taraz Administrative Services, LLC, a management consulting business. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver tailored, non-discretionary retirement recommendations through a centralized consulting team.

Shawna Such is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been providing financial and wealth management advice and services since 1997, serving individuals, families, businesses, and non-profit organizations. Her responsibilities include identifying and delivering financial strategies tailored to clients' financial goals and objectives. Shawna's client base includes business owners, medical professionals, non-profits, and entertainment clients. Her approach emphasizes developing lifelong business and personal relationships while delivering service with integrity and timeliness. Shawna earned her bachelor's degree from the University of San Diego. She holds several professional designations, including CERTIFIED FINANCIAL PLANNER (CFP), CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). She is affiliated with the San Diego Sports Association and contributes to community initiatives such as the Fowler Business Concept Challenge and the Million Meals Project. Shawna resides in Carlsbad, California, with her husband and three children. In her free time, she enjoys surfing with her family, skiing, hiking, softball, and traveling.

Mark Mertsoc is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he was self-employed for six years. Edward Jones is a full-service wealth management firm with more than four million clients, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm serves individual and institutional clients and manages over $1 trillion in assets through a nationwide network of advisors and branch offices.

Ernest Miars is a CFP® professional with 37 years of industry experience, currently advising clients at LPL Financial since 2023. Prior to joining LPL, he worked at Commonwealth Financial Network for eight years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, banks, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services supported by proprietary and third-party research.

Gina Coyle is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2014. 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. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques as part of its financial planning process.

Kellen Hoke is a financial advisor at Raymond James & Associates with Series 65 and Series 63 credentials and one year of industry experience. His background includes roles at Morgan Stanley and involvement with Michael Waltrip's Taproom. He has also been affiliated with organizations such as the Charlotte National Whitewater Center and the University of Tampa. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a broad client base that includes individuals, institutions, charitable organizations, and municipal entities. The firm offers comprehensive financial planning and consulting services, utilizing various portfolio management styles supported by extensive research and affiliated sub-advisers.

Michael Carroll is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2012, he has served as the lead portfolio manager and co-director of the team's investment committee, directing the management, research, and strategic positioning of client portfolios. He brings over 20 years of experience in investment management and corporate finance to his role. Prior to his current position, Mr. Carroll was vice president and lead portfolio manager at M&T Trust, a family office and private foundation in Rancho Santa Fe. He also held roles at Nicholas|Applegate Capital Management, Morgan Stanley & Co., and the University of Notre Dame Investment Office. He holds a bachelor's degree in finance and business economics from the University of Notre Dame and the Chartered Financial Analyst (CFA) designation. He is a member of the CFA Institute and the CFA Society of San Diego and serves on the advisory board for the Applied Investment Management Program in Notre Dame's Mendoza College of Business. Additionally, he is vice president of the Notre Dame Club of San Diego and participates on the Notre Dame Wealth Management Symposium Steering Committee. Outside of his professional responsibilities, Mr. Carroll lives in San Diego with his wife and two daughters and pursues personal interests including adventure sports, biking, boating, golfing, hiking, music, skiing, tennis, and traveling.

Kevin Cheng is a financial advisor at J.P. Morgan Securities with 10 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan since 2017, including roles at JPMorgan Chase Bank and Foresters Financial Services prior to that. 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. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

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 at Merrill Lynch Wealth Management. He has been a part of the financial services industry since 2005 and joined Bank of America/Merrill in 2006. He holds a B.A. in psychology with a business specialization from UCLA, earned in 2000. Donovan specializes in providing comprehensive wealth management strategies with a focus on balancing risk management, portfolio allocation, and spending plans tailored to clients' lifestyles. Since 2016, he has been a member of the Special Needs Team, collaborating closely with special-needs professionals and family members to improve long-term well-being for individuals unable to care for themselves. His areas of client focus include college education planning, family wealth management, managing new wealth, and socially responsible investing. He holds multiple professional designations, including Chartered Special Needs Consultant (ChSNC), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Donovan lives in Vista, California, with his wife and three children. He is active in his community through Anthem Church and Strong Families For Children, and in his free time enjoys running, cooking, hiking, camping, music, traveling, spending time with family, and watching movies.

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.