Cason Dougall is a financial advisor at Raymond James & Associates holding a Series 66 designation with one year of industry experience. Prior to joining Raymond James, he worked at Momentum Marketing and spent ten years in full-time education. Raymond James & Associates, Inc. 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, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting through various specialized programs and an affiliated research network.

Andrew Lippman is a CFP® and ChFC® credentialed financial advisor with 38 years of industry experience. He has been with Cambridge Investment Research Advisors since 2012 and also maintains Inwealth Management, where he is an independent insurance agent. Additionally, he is a commissioned notary public. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual investors and institutional clients such as pension and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs, operating through thousands of financial professionals and offering multiple platform options and proprietary model strategies.

James Hardifer is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in San Marcos, CA. He has 15 years of industry experience and has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012, following one year at Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Michele Thomas is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2000 and Bank of America, N.A. since 2020. 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 individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jose Thomas is a financial advisor at Edward Jones with 24 years of industry experience. He has been with Edward Jones since 2001 and holds Series 63 and Series 66 designations. 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 advisors, offering discretionary and non-discretionary investment strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

Isaac White is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he served at the San Diego County Sheriff's Office for 17 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices across the United States.

Marc Phillipe Mongeon is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds a Series 66 designation and has worked at firms including Merrill, TD Ameritrade, and RBC Capital Markets. He is based in Ramona, California. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and includes specialized regulatory registrations supporting broader derivatives and commodities capabilities.

Stephane Hpay is a financial advisor with Cetera holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked at Cetera since 2021 and previously spent seven years with VOYA Financial Advisors. Outside of his advisory role, he is also an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable entities, 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.

Jeffrey Lung is a CFP® with 21 years of industry experience, currently advising at Fidelity Investments. His career includes roles at several firms such as Mercer Global Advisors, TD Ameritrade, Charles Schwab, and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its management of multiple registered investment companies, use of AI-driven research methods, and delivery of model portfolios to intermediary platforms.

Jeremy Shaffer is a financial advisor with Charles Schwab in Vista, California, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. He has worked primarily at Charles Schwab since 2016, with brief tenures at several other firms in 2019 and 2020. Outside of his advisory role, he performs independent contracting work with Uber and DoorDash and rents vehicles through Turo. Charles Schwab & Co., Inc. serves a large client base of 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 offers both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a formal alternative investment process within a centralized operational framework.

Robert Menz is a financial advisor with LPL Financial in Fallbrook, CA, holding a Series 66 designation and 19 years of industry experience. He previously worked at National Planning Corporation for eight years and UBS Financial Services for three years. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Daniel Avan is a financial advisor with Wells Fargo Clearing based in Carlsbad, CA, holding Series 63 and Series 65 designations and possessing 33 years of industry experience. His prior work includes roles at Morgan Stanley and Citigroup Global Markets totaling over 14 years. He also serves as a trustee for a family trust. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides a combination of brokerage and advisory solutions supported by research and analytics.

Richard Kelly III is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Fantic USA, Lucidity Business Development, and Focus Bicycles USA. 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 through a nationwide network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies and affiliated financial products.

Jason Davis is a financial advisor with LPL Financial in San Marcos, CA, holding a Series 66 designation and 10 years of industry experience. He has worked at California Bank & Trust since 2019 and previously held roles at Unionbanc Investment Services, MUFG Union Bank, and Wells Fargo Clearing. Outside of his advisory work, he acts in a fiduciary capacity for the Davis Family Trust. 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 advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive resources and a large network of advisors.

Olga Mazhar is a financial advisor with Primerica Advisors in Vista, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has work history including roles at Rensana, PFS Investments Inc., and Primerica Financial Services since 2021. Outside of her advisory work, she holds a membership interest in Dialysis Management Group, a healthcare organization management firm. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm employs model-based investment strategies managed by unaffiliated asset managers and supports trades and custody through Pershing and BNY Mellon Advisors.

David Spataro is a financial advisor with Ameriprise in Carlsbad, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. His prior roles include positions at Waddell & Reed, Inc., The Quantum, and Ivy Distributors, Inc. He has been with Ameriprise since 2021. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, providing detailed written recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis within a centralized consulting team to deliver personalized, algorithm-supported advice.

Avinash Alwani is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2012, also maintaining a concurrent role with Jpmorgan Chase Bank, N.A. since 2008. 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 asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates both quantitative and qualitative research and includes a broader range of derivatives and commodities capabilities.

Carlo Boton is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Ameriprise since 2021. His prior experience includes six years at Cuso Financial Services and 25 years at North Island Credit Union. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, offering tailored recommendations that combine research, modeling, and tax-efficiency analysis through a centralized consulting team.

Pamela Givens is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Her career includes positions at Wells Fargo Investments and Citigroup Global Markets. Outside of her advisory work, she manages a rental property. 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 advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

Jennifer Forsstrom is a financial professional with Cetera and holds a Series 66 designation. She has four years of industry experience, including roles at Cetera Wealth Services, LLC and First Financial Equity Corporation. Outside of her advisory work, she is an independent wellness advocate for doTERRA, where she teaches others about the use of essential oils. Cetera Investment Advisers LLC serves a wide range of clients, including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers various portfolio management and consulting services through a large network of independent advisors and employs a multi-manager platform that supports bespoke and model portfolio strategies.