Peter Savarese is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at TD Ameritrade Inc. from 2013 to 2024. Savarese is based in Escondido, CA. 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 offers both non-discretionary and discretionary investment solutions, employing multi-asset model portfolios and centralized operational support.

John Condos is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. In addition to his advisory role, he acts as a trustee and successor trustee for investment-related trusts. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs including tailored financial planning using firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and provides services that combine advisory and brokerage capabilities.

Eric Cooper is a financial advisor with Edward Jones in Oceanside, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones, he worked in various roles across staffing, healthcare, and local government sectors. He serves as a board member for the Tri-City Hospital Foundation, a nonprofit organization. Edward Jones is a full-service wealth management firm serving individual and institutional clients through a national network of financial advisors and branch offices. The firm offers a range of advisory programs and investment solutions under a fiduciary standard.

Vicente Hinojosa III is a financial advisor with OSAIC, holding Series 63 and Series 66 credentials and offering 14 years of industry experience. His prior roles include positions at Sagepoint Financial, Edward Jones, and Comerica Securities and Bank. He serves as president of the Vista Optimist Club and the Vista Education Foundation, and is a board member of the Vista Chamber of Commerce. OSAIC serves a diverse client base including individuals, institutions, and charitable organizations, providing a range of brokerage and advisory services supported by advanced portfolio management tools and multiple advisory platforms.

Debra Blemker is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and possessing 27 years of industry experience. She has been with Morgan Stanley since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee’s return estimates and Monte Carlo simulations.

Jheneffer Carleto Borsoi Pacheco is a Series 66-licensed advisor with Merrill, based in Carlsbad, CA, and has been with the firm since 2025. Prior to Merrill, she held positions at Bank of America, Global Financial Impact, and other organizations in various roles from 2019 onward. 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.

Raymundo Catalan is a financial advisor at J.P. Morgan Securities with nine 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 2019, with prior experience at Axa and Medline Industries. He serves as a board member and treasurer for the Escondido Chamber of Commerce, a nonprofit organization supporting local businesses. 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.

Mark Buckman is a financial advisor with LPL Financial in Oceanside, CA, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked at LPL Financial since 2003 and also operated Family Investment Management, LP from 2015 to 2026. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide, offering financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Rene' Flores is a CFP® professional with 29 years of industry experience, currently serving at Edward Jones since 1998. He holds Series 63 and Series 65 licenses and is based in Escondido, CA. 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 and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated investment products.

Curt Beyer is a financial advisor with LPL Financial in Escondido, CA, holding Series 63 and Series 66 licenses and 26 years of industry experience. His prior experience includes roles at City National Bank and RBC Capital Markets LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting, providing both discretionary and non-discretionary management supported by model portfolios and research.

David Zerkle is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Waterhouse Investor Services, Inc. for 24 years before joining Charles Schwab in 2022. 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 offers both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational resources.

Patrick Weishan is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and over 35 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 14 years and has operated his own advisory services since 1997. In addition to advisory work, he has served as Vice President of Operations at Pacific Custom Systems, Inc. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various asset allocation tools and third-party platforms to manage portfolios through both discretionary and non-discretionary accounts.

Yesenia Gil is a Series 66-licensed financial advisor at Morgan Stanley with two years of experience in her current role. She previously worked at Wells Fargo Private Bank for six years and held other positions within the Wells Fargo organization from 2010 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and advanced modeling tools in its financial planning services.

River Coop is a financial advisor with Ameriprise in Oceanside, CA, holding Series 63 and Series 66 licenses and six years of industry experience. Prior to joining Ameriprise, River worked at Professional Cleaners and Auburn University. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Robert Winston is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, N.A. Outside of his advisory role, he serves as a lifetime-appointed board member of the Selective Service System, a position made by the President of the United States. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Ross Hansen is a financial advisor with LPL Financial in Carlsbad, CA, holding CFP® and Series 63 and 65 credentials. He has 37 years of industry experience, including prior roles at Morgan Stanley, Edward Jones, and U.S. Bancorp Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, supported by strategic and tactical model portfolios and various technology-driven services.

Kathleen Byrnes is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in investing, wealth management, and tax minimization, working closely with individuals and families to help them preserve and invest their wealth smartly and tax efficiently. Kathleen focuses on understanding the goals and values of her clients to provide tailored planning across various areas such as retirement income, legacy planning, philanthropic planning, and small business strategies. Before joining Merrill, Kathleen spent a decade at investment management firms including Goldman Sachs and AllianceBernstein. She holds the Chartered Financial Analyst (CFA) and CERTIFIED FINANCIAL PLANNER (CFP) designations. Kathleen earned a Bachelor of Science in Finance and Bachelor of Arts degrees in Economics, Spanish, and International Studies from The Pennsylvania State University. Originally from Philadelphia, Kathleen resides in Carlsbad, California with her husband and two daughters. Outside of her professional work, she is involved with the Carlsbad Fire Department Foundation and the San Diego Penn State Alumni Association. Her personal interests include cooking, football, interior decorating, music, reading, running, soccer, traveling, yoga, and spending time with her family.

Shane Terry is a financial advisor with LPL Financial, holding Series 63 and Series 66 registrations and bringing 30 years of industry experience. He has been with LPL Financial since 2015. Outside of his advisory role, he is involved with Terry Capital, Inc., a business entity for tax and investment purposes. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Edward Creed is a financial advisor at Ameriprise with 37 years of industry experience. He has held roles within Ameriprise and Ameriprise Financial Services, Inc. since 2005. He holds a Series 63 designation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice. The firm integrates proprietary research and algorithmic tools with a selective investment approach influenced by its affiliated product ecosystem.

Russell Fujii is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 credential and possessing 10 years of industry experience. He has been with Edward Jones since 2016. Outside of his advisory role, he serves as a trustee for a family living trust. 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 large national network of advisors and offers a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and specialized services.