Michael Carroll is a Wealth Management Advisor at Merrill Lynch Wealth Management. Since joining the firm in 2012, he has served as the lead portfolio manager and co-director of the team's investment committee, directing the management, research, and strategic positioning of client portfolios. He brings over 20 years of experience in investment management and corporate finance to his role. Prior to his current position, Mr. Carroll was vice president and lead portfolio manager at M&T Trust, a family office and private foundation in Rancho Santa Fe. He also held roles at Nicholas|Applegate Capital Management, Morgan Stanley & Co., and the University of Notre Dame Investment Office. He holds a bachelor's degree in finance and business economics from the University of Notre Dame and the Chartered Financial Analyst (CFA) designation. He is a member of the CFA Institute and the CFA Society of San Diego and serves on the advisory board for the Applied Investment Management Program in Notre Dame's Mendoza College of Business. Additionally, he is vice president of the Notre Dame Club of San Diego and participates on the Notre Dame Wealth Management Symposium Steering Committee. Outside of his professional responsibilities, Mr. Carroll lives in San Diego with his wife and two daughters and pursues personal interests including adventure sports, biking, boating, golfing, hiking, music, skiing, tennis, and traveling.

Chris Mccann is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and bringing 24 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and at Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured financial planning process supported by firm-approved tools and models.

Donovan Filpi is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in providing concierge-style financial planning services, focusing on areas such as family wealth management, personal retirement planning, college education planning, and values-based investing, including socially responsible and ESG investing. Donovan collaborates with clients' attorneys and tax advisors to address complex financial and estate planning needs, helping clients focus on their families, health, and professions. Since 2016, Donovan has been a member of the Special Needs Team at Merrill, a group dedicated to improving the long-term well-being of individuals who are unable to care for themselves. His expertise includes risk management, portfolio allocation, and the development of comprehensive spending plans tailored to clients' lifestyles. Donovan has been recognized with the David Brady award in 2021 for his dedication to clients. Donovan earned a Bachelor of Arts degree in psychology with a business specialization from UCLA in 2000. He holds professional designations including Chartered Special Needs Consultant (ChSNC), CERTIFIED FINANCIAL PLANNER (CFP), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He resides in Vista, California, with his wife and three children. Donovan is an active member of Anthem Church and Strong Families For Children. In his leisure time, he enjoys running, cooking, camping, hiking, music, traveling, and spending time with his family.

Anthony Artero is a financial advisor with Osaic Wealth who holds Series 63 and Series 66 licenses and has 25 years of industry experience. He previously worked at Good Life Advisors, LPL Financial, and First Allied Advisory Services, among other firms. Artero acts in a fiduciary capacity for the Artero Family Trust. Osaic Wealth serves a diverse client base including retail, high-net-worth, institutional, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs a model-based investment process with asset allocation, portfolio optimization, and a range of managed account strategies, supported by a complex network of affiliated broker-dealers and asset managers.

Theodore Tadeusiak is a financial advisor at Wells Fargo Advisors with 36 years of industry experience. He previously worked at Morgan Stanley from 2009 to 2017 before joining Wells Fargo Advisors. He owns and operates Core Process Wealth Management LLC in Carlsbad, CA. Wells Fargo Advisors Financial Network offers investment and fee-based financial planning services to individuals, trusts, and institutional clients, providing a broad range of planning options and utilizing Wells Fargo’s research and planning tools to develop tailored recommendations.

Gregory Starkey is a financial advisor at Charles Schwab with 10 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at PFS Investments ONC, Primerica Financial Services, TD Ameritrade, and Scottrade. Outside of his advisory work, he is the founder and owner of Faith Inflatables, a small consumer-products venture focused on large decorative holiday inflatables. 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 both non-discretionary and discretionary investment options supported by multi-asset model portfolios and centralized custody and order-routing services.

James Fields is a financial advisor at Fidelity with 12 years of industry experience. He holds the Series 63 and Series 66 designations and has worked with firms including TD Ameritrade, Merrill, Bank of America, and AXA Advisors. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, utilizing a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage diversified model portfolios. The firm also serves as a registered commodity pool operator and advisor to multiple investment companies.

Yun Yu Szu is a financial advisor at Raymond James Financial with nine years of industry experience. She holds a Series 66 designation and has worked at several firms, including Cadaret, Grant & Co. Inc and LPL Financial. In addition to her advisory role, she is involved with Addison Avenue Investment Services, providing support to financial advisors and client services. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and analytical tools to support client goals and maintains unique municipal advisory capabilities within its large institutional framework.

Leonardo Ryan is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Fidelity Investments and several banking and financial firms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with a forward-looking approach to capital markets and includes ESG considerations.

Gregg Alsbury is a financial advisor with Charles Schwab in Carlsbad, CA, holding CFP®, Series 63, and Series 66 credentials and 13 years of industry experience. He has worked at Charles Schwab since 2014 and at Charles Schwab Bank 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. The firm combines a non-discretionary client relationship model with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by Schwab's in-house research.

Kalyn Walker is a financial advisor at Raymond James & Associates with 19 years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services and Merrill. 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, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Kevin Witowich is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 15 years of industry experience. Prior to joining Ameriprise in 2021, he worked at various BBVA entities including BBVA Wealth Solutions Inc., BBVA Compass Insurance Agency, Compass Bank, and BBVA Securities Inc. He served on the Board of Directors and as Vice President of the Oceanside Chamber of Commerce. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Kevin Donnelly is a CFP® and holds the Series 66 designation with 18 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012, following prior roles at Chase Investment Services Corp. and Osaic FA, Inc. He is based in San Diego, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and includes capabilities in derivatives and commodities.

Shantele Lewis is a financial advisor with Wells Fargo Advisors in Rancho Santa Fe, CA, holding a Series 63 designation and 28 years of industry experience. She has been with Wells Fargo Advisors Financial Network LLC since 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized areas such as business-owner transition and special-needs planning, using proprietary research and planning tools to develop tailored recommendations.

Eric Johnson is a financial advisor at Osaic Wealth with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at LPL Financial and Trilogy Capital, Inc. He also serves as trustee of the John & LeeAnn Johnson Family Trust. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services utilizing a multi-advisor platform, with an investment process focused on model-based asset allocation and portfolio optimization.

Lily Fallah is a CFP® professional at OSAIC with seven years of industry experience. She previously worked at Wells Fargo Advisors, Morgan Stanley, and Woodbury Financial Services. Fallah serves as Treasurer and Chair of the Investment Committee for The Arc of San Diego, a nonprofit supporting people with disabilities. OSAIC Wealth serves retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, comprehensive financial planning, and portfolio management with a model-based investment approach.

Samuel Tapia is a financial advisor with Wells Fargo Clearing in Carlsbad, CA, holding Series 63 and Series 65 licenses and 27 years of industry experience. His prior experience includes roles at Morgan Stanley and its affiliates from 2000 to 2010. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and uses research from Wells Fargo Investment Institute and third parties to inform investment decisions.

Robert Krieger is a CFP® credentialed financial advisor with 32 years of industry experience. He is currently with Cambridge Investment Research Advisors, where he has been since 2024. Prior to this, he held positions at Ic Advisory Services Inc, The Investment Center, Inc., Global Retirement Partners LLC, LPL Financial, and Merrill. Outside of his advisory work, he serves as a board member of Catapult HQ Inc. and is president of BNE Strategies Inc., focusing on consulting and coaching. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, pension funds, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and provides proprietary model strategies under the Founders Gate Capital brand.

Todd Vitale is a financial advisor with Wells Fargo Clearing, holding a Series 63 credential and bringing 38 years of industry experience. His career includes positions at Morgan Stanley from 2008 to 2015 and UBS Financial Services from 1997 to 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data sources.

Manuel Contreras is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including New York Life Insurance, Northwestern Mutual, and Wells Fargo. Outside of his advisory role, he is involved in event planning and luxury restroom services businesses, as well as holding an alcohol and beverage license for private and social events. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, and endowments, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized manager solutions team.