Joseph Rotta is a CFP®-designated financial advisor with 41 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2009 and previously spent time at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He is based in Carlsbad, CA. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Samuel Bever is a financial advisor with Raymond James & Associates, holding a Series 66 designation and ten years of industry experience. His career includes roles at Merrill, Forge Markets LLC, and Raymond James, where he has worked since 2020. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and consulting with a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Chelsea Newell is a CFP® professional with six years of industry experience, currently affiliated with Osaic Wealth. She has worked at several financial firms including Guide My Finances and Woodbury Financial Services. Outside of her advisory role, she is also active as a social media influencer, creating content related to lifestyle topics such as makeup and local venues. Osaic Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach with tools for asset allocation, portfolio optimization, and offers a range of brokerage and advisory services through an extensive multi-advisor platform.

Kevin McBarron is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at several firms, including Union Capital Company and New England Securities, and currently also operates Wealth Planners, Inc. alongside his role at LPL. 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 wide range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Rene Gonzalez is a financial advisor at Merrill with a Series 66 designation and one year of industry experience. He has previously worked at Bank of America, N.A. and Lending Club. 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. The firm offers model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, and pension plans.

Steven Namvar is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank, SSB, and Charles Schwab since 2024. Prior to his current role, he held positions at Mercedes Benz of Escondido and Sales Partnership Inc, among others. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. Schwab offers both non-discretionary advisory relationships and access to discretionary separately managed accounts, leveraging a multi-asset model portfolio approach and centralized operational infrastructure.

Linda Hollman is a financial advisor with Merrill based in Carlsbad, CA, holding Series 63 and Series 65 licenses and offering 38 years of industry experience. She has been with Merrill since 1985 and has also worked with Bank of America since 2009. 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. The firm serves individuals, high-net-worth clients, pension plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party teams.

Leslee Armstrong is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and with 24 years of industry experience. She has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients. The firm offers investment advisory services, financial planning, retirement plan consulting, and both brokerage and advisory solutions.

Jeffrey Mccoy is a financial advisor at Stifel with 40 years of industry experience. He has been with Stifel Nicolaus & Co. since 2009. He holds Series 63 and Series 65 licenses. Outside of his advisory work, he serves as a board member for Nu Shoe Inc. Stifel serves a diverse client base including individuals, institutional investors, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Deborah Haydis is a financial advisor with Ameriprise, holding a Series 63 designation and bringing 42 years of industry experience. She has been with Ameriprise since 2005, including 6 years at Ameriprise since its rebranding. Outside of her advisory role, she serves as treasurer of a local youth baseball association and is involved in community leadership as a vice president of a local organization. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, with a specialized Premier Retirement Income service focused on retirement-income planning through written recommendation reports and ongoing advice. The firm’s approach combines proprietary research and third-party data to deliver tax-aware withdrawal strategies and asset allocation guidance within a defined investment universe.

Burt Mac Kenzie IV is a financial advisor with LPL Financial based in Carlsbad, CA. He holds a Series 66 designation and has one year of industry experience. Burt has previously worked at Commonwealth Financial Network and Terramar Wealth. Outside of his advisory role, he is an adjunct professor teaching English composition at Virginia Western Community College. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of investment options through models and third-party managers, supported by advanced operational tools, and oversees over $819 billion in discretionary assets across more than 22,800 advisors.

Caroline Talebi is a financial advisor at Edward Jones with nine years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Edward Jones in 2022, she worked at Shenasa Medical Inc for nine years. 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 through a nationwide network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Alan Shapiro is a CFP® professional with 22 years of industry experience, currently with Wells Fargo Clearing since 2016. His prior roles include positions at Morgan Stanley from 2008 to 2015 and Citigroup Global Markets from 2004 to 2008. He is also co-trustee of a family trust. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets and uses research and analytics to support its investment approach.

Sean Boylan is a Series 66-licensed financial advisor at OSAIC with four years of industry experience. Prior to joining OSAIC in 2024, he worked at Woodbury Financial Services and has been involved with Guide My Finances since 2021, where he provides financial planning and investment management services. Outside of finance, Boylan partners in Stratosphere Strategies LLC, which offers travel-related research and logistical support, and owns a local pet-sitting service. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach featuring portfolio optimization, risk tolerance assessments, and a range of advisory solutions delivered through a multi-advisor platform.

Joshua Lozano is a financial advisor with Charles Schwab, holding Series 65 and Series 63 licenses and having one year of industry experience. His prior work includes roles at Neubloc, Karl Strauss Brewing Company, The Cork & Craft Abnormal Brewery, and Starbucks. 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 non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and alternative investments, supported by a large-scale, integrated operational platform.

Brittany Sheley is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its financial planning process.

Kimberly Biller is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. She previously worked at The Wealth Advisors for eight years and has been with LPL Financial since 2007. Outside of her advisory role, she is a licensed notary public and has been involved in residential real estate sales through HomeSmart Realty West. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive operational tools and a large network of investment adviser representatives.

John Mc Laughlin is a financial advisor with Cetera in San Marcos, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior experience includes roles at Avantax Investment Services, Equitable Advisors, AXA Advisors, and several other firms. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform that provides access to affiliated and third-party managers across multiple program structures.

Fredrick Wollman is a financial advisor with Cetera, holding the CFP® designation and Series 63 license, with 45 years of industry experience. He has worked at Cetera since 2021 and operated Wollman Wealth Designs, Inc. since 1998. Outside of his advisory work, he serves as chair of the board of trustees for the Ecolife Conservation nonprofit and is president of the Valley Center Trail Association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

John Heil is a financial advisor with OSAIC, holding Series 63 and Series 65 designations and possessing 39 years of industry experience. His prior roles include positions at Cetera Advisors LLC, First Allied Advisory Services, National Planning Corporation, and Piper Sandler & Co. Outside of advisory services, he is involved in mortgage and real estate businesses, including serving as president of MCM Financial Services and owner of MGM Financial Services, Inc. OSAIC Wealth serves a wide range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, providing both discretionary and advisor-managed investment strategies supported by a complex affiliate network.