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.

Khushbu Harjani is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 designations and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2015. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The program incorporates systematic due diligence and may include ESG considerations, with implementation supported by affiliated investment-management entities.

Brian Schrock is a CFP® and Series 66–licensed financial advisor with Edward Jones in Fallbrook, CA. He has 18 years of industry experience, all of which he has spent at Edward Jones since 2008. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, including high-net-worth households, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Eric Weiss is a financial advisor at Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 66 licenses with two years of industry experience. His prior roles include positions at Fidelity Investments and Charles Schwab. Morgan Stanley Wealth Management serves individuals and institutional clients with a variety of advisory programs, including tailored financial planning that utilizes firm-approved tools and models to assist in developing investment strategies.

Michael Such is a Senior Financial Advisor with Merrill Lynch Wealth Management, having joined the firm in June 2011. He focuses on delivering financial strategies, research, and portfolio reviews tailored to individual clients’ goals. His areas of expertise include college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, and personal retirement planning. Michael earned a Bachelor of Science degree in Ocean Engineering from the United States Naval Academy and served nine years as a Surface Warfare Officer in the US Navy. After his military service, he spent six years in the defense industry, including consulting to the Navy at Booz Allen Hamilton and business and product development at Ocean Systems Engineering Corp/QinetiQ North America. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Residing in Carlsbad, California, Michael lives with his wife Shawna and their three children. He enjoys outdoor activities such as surfing, skiing, camping in the Sierra Nevada mountains, cooking, fishing, gardening, hunting, and scuba diving.

Alec Nasto is a financial advisor with Raymond James & Associates in Carlsbad, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Merrill, UBS Financial Services, and Lincoln Financial Advisors prior to joining Raymond James. 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 public entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Nigeena Rahmanzai is a financial advisor with Charles Schwab based in San Diego, CA. She holds the Series 63 and Series 66 designations and has six years of industry experience. Her prior roles include positions at TD Ameritrade and Lexis Nexis. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering bundled advisory, brokerage, and custodial services with both non-discretionary and discretionary investment options.

Damon Skinner is a Senior Financial Advisor at Merrill Lynch Wealth Management. He has been in the financial services industry for more than 20 years and joined Merrill Lynch Wealth Management in 2016. Damon provides financial guidance to a diverse range of clients including affluent individuals, institutional clients, 401(k) plans, endowments, foundations, and high net worth families, focusing on areas such as retirement planning, defined benefit plans, and investment consulting. His expertise encompasses strategic and tactical asset allocation, retirement income planning, estate and insurance planning strategies, and alternative investments. Damon emphasizes education to help clients understand the risks and rewards of investment decisions while prioritizing preservation of capital and wealth accumulation. His professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). He holds a Bachelor's Degree from Purdue University System and is a member of Sigma Alpha Epsilon, Indiana Beta. Damon resides in Oceanside, California, with his wife Paola and twin sons. He is involved in community organizations such as San Luis Rey Mission, St. Francis of Assisi, and St. Monica Parish, as well as participating in charitable efforts with Children's Memorial Hospital, Heal The Bay, Open Eyes Ministries-Nicaragua, Ronald McDonald House, and Surfrider Foundation. His personal interests include surfing, skiing, snowboarding, traveling, wine, cooking, football, and entertaining family and friends.

Matthew Costanzo is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked with Cetera Advisors LLC since 2013 and also operates Costanzo Financial Group as COO and advisory representative. Additionally, he provides consulting services on mergers and acquisitions, leadership, and process improvement, and volunteers with Volunteers of America. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform including discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Michael Mckenzie is a financial advisor at UBS Financial Services with 24 years of industry experience. He holds the Series 66 designation and has worked at UBS Financial Services since 2017, following a brief period at RBC Capital Markets. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research.

John Steccato is a financial advisor with Equitable Advisors in Carlsbad, CA, holding a Series 66 designation and 24 years of industry experience. He has worked at Equitable Advisors and its predecessor, Axa Advisors, since 2001. Equitable Advisors serves individual clients, including both non-high-net-worth and high-net-worth individuals, as well as pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing firm-offered and third-party advisory programs.

Ryan Ashton is a financial advisor with Wells Fargo Clearing based in Carlsbad, CA, holding a Series 66 designation and 19 years of industry experience. Prior to joining Wells Fargo in 2019, he worked at Morgan Stanley Private Bank from 2015 to 2019. Outside of his advisory role, he owns and manages several restaurant-related businesses in California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Jennifer Bracey is a financial advisor at Osaic Wealth with 17 years of industry experience and a Series 66 designation. Her prior roles include positions at Ameriprise, Stifel, Oppenheimer, and Wells Fargo Investments. Outside of her advisory work, she serves as an adjunct instructor at Ouachita Baptist University, teaching online business classes. Osaic Wealth serves a broad range of retail and institutional clients, offering both brokerage and advisory services through a multi-advisor platform. The firm employs a model-based investment approach focused on asset allocation and portfolio optimization, supporting diverse client needs across individual, retirement, charity, and corporate accounts.

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.

Peter Huffman is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2008. He specializes in comprehensive wealth management with a focus on Behavioral Finance and how financial and investment decisions affect individuals and families. His expertise encompasses family wealth management strategies, philanthropic planning, socially responsible investing, and liquidity management among other areas. Before joining Merrill Lynch, Peter spent five years in Africa and Asia working in managerial roles for the Clinton Health Access Initiative (CHAI), including serving as Country Director for Ethiopia where he managed one of the largest HIV/AIDS care and treatment programs worldwide. He also acted as the principal liaison for official visits by former President William J. Clinton to Africa. Peter is engaged in philanthropy through board service and co-founding a nonprofit focused on youth empowerment and health services in South Africa and Ghana. Peter holds a bachelor's degree in psychology from Willamette University in Salem, Oregon and is a Personal Investment Advisor. He has been recognized as a Top 1200 Financial Advisor by Barron's, a Best in State Wealth Advisor by Forbes, and included in On Wall Street's Top 40 Under 40. Peter lives with his wife and their two children.

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.