Elizabeth Kilmer is a financial advisor with LPL Financial and holds Series 63 and Series 66 credentials. She has 23 years of industry experience, including roles at JFC Advisor Network, Bank of America, Merrill, and U.S. Bancorp Investments. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, 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 research and technology-driven portfolio management.

Steven Van Houten is a financial advisor with LPL Financial in Encinitas, CA, holding CFP® and Series 63 designations and having 45 years of industry experience. He has worked with LPL Financial since 1992 and founded Lifetime Financial Advisors, Inc. in 2002, where he remains active. Van Houten also offers non-variable insurance products to his clients. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm provides a range of advisory programs and financial planning services, employing both discretionary and non-discretionary management supported by research and model portfolios.

Joshua Johnson is a financial advisor at Merrill with a Series 66 designation. He joined Merrill in 2025 and has prior experience in mortgage lending, legal support, and various entrepreneurial ventures. His background includes roles at Cross Country Mortgage, The Law Office of Samuel Dagan, and Destination West Builders, LLC. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a wide client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates investment management with Bank of America’s broader platform, providing access to a range of financial products and services.

Caroline Talebi is a financial advisor at Edward Jones with nine years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Edward Jones in 2022, she worked at Shenasa Medical Inc for nine years. 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 financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Jason Mubarak is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has worked at Morgan Stanley and its Private Bank division since 2009. Outside of his advisory role, he is involved as a winemaker at a family-owned vineyard and winery. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and firm-approved tools, serving clients through both direct and corporate agreements.

Alan Shapiro is a CFP® with 22 years of industry experience, currently affiliated with Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors, LLC for one year. Outside of his advisory role, Shapiro serves as co-trustee of a family trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven advisory process incorporates modern portfolio theory and includes a broader range of financial products, such as insurance-related vehicles and bank deposit sweep options.

Sean Boylan is a financial advisor with OSAIC, holding a Series 66 designation and four years of industry experience. Prior to joining OSAIC in 2024, he worked at Woodbury Financial Services and has been involved with Guide My Finances since 2021, where he provides financial planning and investment management services. Outside of his advisory role, Boylan is a partner in Stratosphere Strategies LLC, offering travel-related research and support, and also operates a pet-sitting service in Carlsbad, CA. OSAIC serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers and advisory platforms. The firm employs asset-allocation tools and risk assessments to construct portfolios across various investment vehicles, offering both discretionary and non-discretionary management options.

Joshua Lozano is a financial advisor with Charles Schwab & Co., Inc., holding Series 65 and Series 63 licenses. He has experience working in both the financial services and hospitality industries, including roles at Neubloc and Karl Strauss Brewing Company. Charles Schwab & Co., Inc. serves a large client base primarily consisting of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management services supported by proprietary research and integrated operational infrastructure.

Brittany Sheley is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its financial planning process.

Kimberly Biller is a financial advisor with LPL Financial, holding a Series 66 designation and 15 years of industry experience. She previously worked at The Wealth Advisors from 2011 to 2019 and has been with LPL Financial since 2007. Outside of her advisory role, she is a licensed California notary public and is involved in residential real estate sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, and institutions. The firm offers a range of advisory programs, financial planning, and consulting services supported by in-house and third-party research, with options for discretionary and non-discretionary portfolio management.

John Mc Laughlin is a financial advisor with Cetera in San Marcos, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior experience includes roles at Avantax Investment Services, Equitable Advisors, AXA Advisors, and several other firms. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform that provides access to affiliated and third-party managers across multiple program structures.

John Heil is a financial advisor with Osaic Wealth, Inc. based in Carlsbad, CA. He holds Series 63 and Series 65 licenses and has 39 years of industry experience. Prior to joining Osaic in 2023, he worked at Cetera Advisors LLC, First Allied Advisory Services, and First Allied Securities. Heil is also a Certified Divorce Financial Analyst and is involved in mortgage banking and real estate brokerage. Osaic Wealth serves both retail and institutional clients through a large network of affiliated financial advisers, offering integrated brokerage and advisory services, financial planning, and access to third‑party money managers. The firm uses a variety of asset-allocation tools and supports multiple advisory platforms, including legacy programs and managed-account solutions.

William Jones is a CFP® with 29 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. He is also a co-trustee for his sister’s trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of financial product offerings, such as insurance-related vehicles and bank deposit sweep options.

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 Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 38 years of industry experience. He has been with Cambridge Investment Research Advisors since 2012 and also serves as an independent insurance agent through Inwealth Management. Lippman is based in Carlsbad, California. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and retirement-plan sponsors. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing a range of portfolio management approaches and proprietary models.

James Hardifer is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds a Series 66 designation and has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors.

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.

Bryan Diaz is a financial advisor with LPL Financial in Carlsbad, CA, holding a Series 66 designation and 21 years of industry experience. His career includes nine years at Bank of America and Merrill prior to joining LPL Financial in 2018. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management supported by research and model portfolios.