Britt Stephens is a Series 66 licensed financial advisor with 16 years of industry experience, currently with LPL Financial since 2021. She has held roles at various insurance carriers, Employer Services Group, Lumena Financial Strategies, Inc., and Waddell & Reed Inc. Stephens operates a DBA related to her LPL business under Lumena Financial Strategies, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of services including financial planning, model portfolios, third-party asset management, and institutional platforms, combining advisory solutions with extensive non-advisory financial activities.

Darryle Grimes is a financial advisor with Ameriprise Financial Services in San Diego, CA, holding a Series 66 credential and with 10 years of industry experience. Prior to joining Ameriprise, he worked at First Command Advisory Services and related entities for six years. He serves as Treasurer on the Board of Directors for the Military Officers Association of America, Miramar Chapter. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning that includes written recommendation reports and ongoing advice focused on dependable income sources and tax-aware withdrawal strategies.

Amy Horsley is a financial advisor at Merrill with 15 years of industry experience. She holds a Series 66 designation and has previously worked at TD Ameritrade and Bank of America. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Sergio Pedro Perez is a financial advisor at Merrill with nine years of industry experience. He holds Series 63 and Series 66 designations and has worked at Bank of America, Merrill, and Wells Fargo entities throughout his career. Merrill, together 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jose Covarrubias is a financial advisor at J.P. Morgan Securities with 12 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2012. Prior to his current roles, he was employed at Uber and Lyft from 2015 to 2017. J.P. Morgan Securities 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, delivering services on a non-discretionary basis while employing a centralized due-diligence framework.

Nicolle Hudachek is a financial advisor with Robert W. Baird & Co., holding a Series 66 designation and bringing 20 years of industry experience. She has been with Robert W. Baird since 2012. She is part of The DDK Group, a team within Robert W. Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, charitable organizations, and institutional clients. The team provides tailored consulting and portfolio services, including financial planning and discretionary management, employing a variety of investment strategies and overlay services.

Sarah Karpicus is a financial advisor at Edward Jones with four years of industry experience. She holds the Series 66 designation and has prior experience with Shakti Rising, a nonprofit organization focused on healing and recovery. Outside of her advisory role, she owns and manages Yellowbird Expressive Arts, an expressive arts therapy business offering individual sessions, groups, retreats, and virtual programs, and participates as a performer in a local playback theatre troupe. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a wide range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

Jesus Reyes is a financial advisor at Merrill with seven years of industry experience. He previously worked at Bank of America for two years before joining Merrill in 2019. Outside of his advisory role, Reyes operates a YouTube channel and an associated children’s book project focused on educational content for young readers, and he also engages in online sales of Mexican goods through independent websites. 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, offering model-based and discretionary investment strategies for a variety of clients including individuals, high-net-worth clients, and institutions.

Anette Schol Bermel is a financial advisor with Cetera, holding a Series 66 designation and 16 years of industry experience. She has previously worked at Avantax Advisory Services and several other firms, including Raymond James Financial and First Command. In addition to her advisory role, she is involved in tax preparation and bookkeeping through Professional Financial Services in La Mesa, CA. Cetera Investment Advisers LLC serves a broad client base, including individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with diverse portfolio management options ranging from model portfolios to bespoke strategies, supported by a nationwide network of over 10,000 advisors.

Sam Farhan is a financial advisor at Fidelity with eight years of industry experience. He holds the Series 63, Series 65, and Series 66 licenses and has previously worked at firms including VCexpress Financial, Primerica, LPL Financial, TD Ameritrade, Merrill Lynch, Bank of America, and U.S. Bancorp Investments. Outside of finance, he operates as a sole proprietor for Manifest Dream Coaching, providing online life coaching services. Fidelity's Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm manages discretionary and non-discretionary portfolios and serves as an advisor to multiple registered investment companies while employing systematic methodologies and long-term asset allocation benchmarks.

Thomas Drabek is a CFP® professional with 38 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. He previously worked at Woodbury Financial Services Inc. from 2016 to 2024 and has operated his own sole proprietorships focused on insurance and annuities since the late 1980s. Drabek’s business activities include the sale of fixed and index annuities, life insurance, and long-term care products. OSAIC Wealth, Inc. serves a wide range of clients including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisors. The firm offers integrated brokerage and advisory services with portfolios constructed using firm-provided asset allocation tools, employing both discretionary and non-discretionary management approaches.

Melody Donnelly is a financial advisor at Charles Schwab with 14 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at TDAmeritrade, Word and Brown, and The Prudential Insurance Company of America. Outside of advising, she has a long-standing involvement with Laz Parking 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, offering a combination of non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts.

Garret Campbell is a financial advisor with Thrivent Investment Management in Santee, CA, holding a Series 66 credential and 10 years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2016. Outside of his advisory role, he serves as a board member for Casa Esperanza para Niños, a nonprofit supporting abandoned and abused children in Hermosillo, Mexico. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary trading authority. The firm allows clients to combine planning with managed-account programs through a consolidated billing option called “WealthPlan” while maintaining separation between services.

Eithar Gaggi is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 13 years of industry experience. She has been with J.P. Morgan Securities since 2012 and has also worked with JPMorgan Chase Bank, N.A. since 2011. Outside of her advisory role, she owns a rental property. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations to deliver its services.

George Viray is a financial advisor at Equitable Advisors with 25 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Mass Mutual Investors Services, MassMutual Pacific Coast, Ameriprise Financial Services, Inc., and LPL Financial. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and a variety of asset-management programs through a network of Investment Adviser Representatives. The firm offers access to multiple advisory models and third-party asset managers, delivering solutions that include mutual funds, ETFs, separately managed accounts, and select alternative investments.

Jonathan Isaac is a financial advisor at OSAIC with 27 years of industry experience. He holds Series 63 and Series 66 designations and has worked at Sagepoint Financial, Inc. and Independent Capital Management prior to joining OSAIC. Outside of advising, he is involved in mortgage origination and serves as a certified estate planner, referring clients to legal estate planning services. OSAIC serves a diverse client base including retail and institutional investors, offering integrated brokerage and advisory services through a large network of affiliated advisors. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios across various asset classes, supporting both discretionary and non-discretionary management.

Patricia Fleming is a CFP®-designated financial advisor with 37 years of industry experience, currently affiliated with LPL Financial in San Diego, CA. Her prior roles include positions at Waddell & Reed, various insurance carriers, and leadership at Lumena Financial Strategies, Inc. She also served on the Women In Blue Executive Cabinet from 2019 to 2021. 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 range of financial planning and portfolio management services, combining advisory platforms with extensive non-advisory financial activities.

Jeffrey Naiman is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2004. Outside of advisory work, he is involved in non-variable insurance activities, including a role at Treble Financial. 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 range of advisory services, including financial planning, model portfolio programs, and institutional platforms, supported by research-based investment strategies and technology tools.

Fany Hirales is a CFP®-designated financial advisor with 16 years of industry experience, currently serving at OSAIC since 2023. Previously, she worked at SagePoint Financial and Independent Capital Management for 13 years. She is also the owner of Hirales Wealth Solutions, an LLC involved in administrative activities. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a large network of affiliated advisers. The firm provides integrated brokerage and advisory services using asset allocation tools, risk tolerance assessments, and multiple investment strategies across discretionary and non-discretionary accounts.

David Bretz is a CFP® professional with 27 years of industry experience, currently affiliated with Cetera. He has worked at Cetera and its related entities since 2013 and is owner and president of Everstead Financial Group, a financial services firm. Bretz also serves as president of Bretz Financial Group, which focuses on tax and expense management, and holds a role as an insurance agent for fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.