Brian Mancuso is a CFP® with 29 years of industry experience, currently serving at Charles Schwab in San Diego, CA. He has been with Charles Schwab Bank SSb and Charles Schwab & Co, Inc. since 2006. 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 investment guidance and access to affiliated discretionary separately managed accounts, supported by a large client base and an integrated operational structure.

Kent Thompson is a CFP® professional with 34 years of industry experience, currently serving at Ameriprise in San Diego, CA. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is the owner and president of Stillwater Vista LLC and serves on the investment committee of the San Diego Rescue Mission. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written recommendations that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation to deliver personalized retirement income plans, primarily for clients with assets managed within Ameriprise accounts.

Danielle Ferrer is a financial advisor with Raymond James & Associates in San Diego, CA. She holds a Series 66 designation and has 12 years of industry experience, including 11 years with 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, institutional and pension plans, charities, and governmental entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

James Froman is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has been with LPL Financial since 2007 and previously worked at Use Credit Union from 2007 to 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a large national network. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by extensive research and diverse investment strategies.

William Bauerle is a financial advisor with Edward Jones in Poway, CA, holding a Series 66 designation and nine years of industry experience. Prior to joining Edward Jones in 2017, he served in the United States Navy for 20 years. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a 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 supports clients through a large network of financial advisors and branch offices nationwide.

Janean Stripe is a CFP® certificant with 37 years of experience in the financial services industry. She has worked at LPL Financial since 2020 and previously spent nine years at Lucia Securities, LLC. Janean also maintains a role at RJL Wealth Management, LLC, where she has been active since 2010. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement consulting, and brokerage services, utilizing model portfolios, third-party subadvisors, and technology-driven strategies.

Lori Lenhof is a financial advisor with Stifel in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 22 years of industry experience. She has been with Stifel Nicolaus & Co Inc since 2015. Stifel serves a broad range of clients including individuals, institutional clients, charitable organizations, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach incorporates proprietary analysis and probabilistic modeling developed by its Investment Strategy Group to support asset allocation and financial planning.

Maria Gallardo Gower is a financial advisor with Charles Schwab, holding a Series 66 designation and 13 years of industry experience. She has worked at Charles Schwab and Co., Inc. since 2022 and previously spent 11 years at TDAmeritrade Inc. in advisory roles. 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 a combination of non-discretionary and discretionary investment management, using multi-asset model portfolios and a centralized operational structure.

Harryson Franz is a Financial Consultant at Fidelity Investments, a position he has held since 2023. In this role, he partners with clients to understand their unique financial situations, identify areas of strength and opportunity, and assist in implementing plans and strategies aimed at achieving their vision of success. Harryson has accumulated extensive experience in the financial services industry, with roles at Fidelity Investments since 2020, including Investment Consultant and Relationship Manager. Prior to this, he worked as a Private Client Banker at JPMorgan Chase from 2016 to 2020, and held positions at US Bank and Wells Fargo earlier in his career. He holds a California Insurance License.

Raphael Aziz is Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 2022, initially serving as a Financial Consultant. Prior to that, he worked as an Associate Wealth Advisor at Mercer Advisors (formerly Epstein & White Financial) from 2020 to 2022. His earlier experience includes roles as a Financial Advisor at Merrill Lynch from 2019 to 2020 and as a Banker at JPMorgan Chase Bank, N.A. from 2012 to 2019. In his role, Raphael focuses on helping clients feel comfortable, educated, and empowered to make financial decisions aligned with their goals. He emphasizes understanding clients' ambitions and situations, conducting comprehensive portfolio analyses, and discussing opportunities that fit their strategies. Raphael holds a California Insurance License. Outside of work, Raphael enjoys baseball, spending time at the beach, cooking and baking, engaging in family activities, and parenthood.

Mayte Albert is a financial advisor at Merrill with Series 63 and Series 66 credentials and 32 years of industry experience. She has been with Merrill since 1989. 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, retirement plans, corporations, and charitable organizations.

David Lee is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Stifel since 2012. He holds Series 63 and Series 65 licenses. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Michael Andreotti is a CFP® professional with 32 years of experience in financial services. He is currently with Morgan Stanley in San Diego, where he has worked since 2021. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that incorporates firm-approved tools and scenario modeling.

Samuel Altamirano Ramirez is a financial advisor at Merrill with Series 63 and Series 65 registrations. He has one year of industry experience, including current roles at Merrill and Bank of America. Prior to his career in finance, he held positions outside the industry, including work at Tino and Sons Drywall Finishers and Rudolph and Sletten, Inc. 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, and institutional entities.

Tiffany Roussis is a financial advisor with J.P. Morgan Securities in San Diego, CA. She holds the Series 66 designation and has six years of industry experience. Her prior work includes roles at JPMorgan Chase Bank, N.A. and Wells Fargo. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers non-discretionary services through a select group of Wealth Advisors.

Ashley Hines is a Financial Consultant at Fidelity Investments, a role she has held since 2023. She has been with Fidelity Investments since 2019, previously serving as an Investment Consultant from 2021 to 2023 and as a Financial Representative from 2019 to 2021. Prior to joining Fidelity Investments, Ashley worked at OneMain Financial as a Branch Manager Trainee from 2016 to 2019, and at TMX Finance as a Store Manager from 2012 to 2016. Ashley holds a California Insurance License, which supports her professional work in financial consulting. Her approach involves understanding the priorities of her clients and their families to develop personalized financial strategies. Outside of her professional duties, Ashley's personal interests include spending time at the beach, cooking and baking, hiking, reading, traveling, and volunteering.

Christopher Pennington is a financial advisor with UBS Financial Services in San Diego, holding a Series 66 designation and 25 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he is registered as an officer of Pennington's Inc. Auto Sales and Leasing, a family-owned business, and is involved as a partner and decision-maker in real estate investments through PMR Holdings LLC. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets services through a large network of financial advisors.

Kevin Bowcock is a CFP® professional with 13 years of industry experience, currently with Stifel since 2019. His prior roles include positions at Wells Fargo Advisors, LLC and Wells Fargo Clearing. He serves as a board member of the Escondido East Rotary. Stifel provides brokerage and investment advisory services to a diverse client base that includes individuals, institutions, and charitable organizations. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to offer asset allocation and planning analyses, supporting client decisions across a variety of financial areas.

Eben Kohn is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation. He joined Edward Jones in 2025 after four years at Guidepoint and prior roles in academia and public service, including positions at the Institute of Transportation Studies at UC Davis and CalSTRS. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory strategies and affiliated investment products, supported by a nationwide network of more than 23,700 financial advisors.

Monique Herrera Chalker is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. She previously worked at Lucia Securities for eight years before joining LPL Financial in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory services, providing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.