Todd Mcgraw is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth strategies tailored to families and local business owners. Based in San Diego, he emphasizes a personalized, goals-based approach that takes into account clients' financial situations, priorities, risk tolerance, and time horizon. His practice integrates investment insights from Merrill and banking services from Bank of America to address diverse financial needs, including education planning, retirement income, legacy planning, and socially responsible investing. With professional designations as an Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA), Todd brings expertise in portfolio management, tax minimization, and wealth preservation and transfer strategies. He holds a Bachelor's Degree from San Diego State University and is affiliated with Merrill Lynch Wealth Management and Bank of America. Todd is active in his community, inspired by Merrill’s tradition of community participation. Outside of work, he enjoys adventure sports such as skiing, hiking, fishing, golfing, baseball, and football.

Jyoti Alwani is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities and JPMorgan Chase Bank since 2009. 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 screens and qualitative research, using forward-looking capital market assumptions and may incorporate an ESG eligibility framework.

Kevin Radcliffe is a CFP® professional with 30 years of experience in the financial services industry. He has been with Stifel Nicolaus & Co Inc since 2009. Based in Carlsbad, CA, he holds Series 63 and Series 65 licenses. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, utilizing forward-looking market assumptions and probabilistic modeling.

Austin White is a financial advisor at Fidelity with a Series 66 credential and four years of industry experience. His prior roles include positions at Money Concepts Capital Corp and Vision Solved Wealth Management Group. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Brian Talgo is a financial advisor with Stifel in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2011. Stifel serves a diverse client base including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Timothy Landry is a financial advisor with LPL Financial in Carlsbad, California, holding a Series 66 designation and 26 years of industry experience. He previously worked at Cetera Wealth Services, LLC for eight years before joining LPL Financial in 2008. Outside of his advisory role, he manages real estate properties that he uses for client meetings on the East Coast. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms.

Charles Grindstaff is a financial advisor at Fidelity with Series 66 and Series 63 credentials and 10 years of industry experience. His prior roles include positions at US Bank, JP Morgan/Chase, and Bank of America. He works with Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to retail and institutional clients. The firm uses a combination of proprietary fundamental research and quantitative analysis to construct model portfolios, employing systematic methods and long-term asset allocation benchmarks.

Samuel Castro is a financial advisor with Merrill in San Marcos, CA, holding Series 66 and Series 63 licenses and two years of industry experience. His prior work includes roles at Wells Fargo Clearing, Wells Fargo Bank, and Bank of America. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations. The firm employs model-based and discretionary investment strategies developed by internal teams and third-party managers.

Steven Rubinstein is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 66 designations and 17 years of industry experience. He previously worked at Sagepoint Financial Inc for 16 years and has been associated with several firms including Commonwealth Financial Network and Terramar Wealth. Rubinstein serves on the Investment Review Board for the City of Carlsbad. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and other institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a broad network of advisors and various financial services.

John Howells IV is a CFP® professional with 42 years of industry experience, currently serving at Equitable Advisors since 2005. His prior experience includes roles at Axa Advisors, LLC and Mony Securities Corporation. Outside of his advisory work, he is an instructor at Mira Costa College and Palomar College and serves as a ward mission leader for the Church of Jesus Christ of Latter-day Saints. Equitable Advisors provides financial planning, retirement plan consulting, and asset-management services to individuals, pension plans, corporations, and charitable organizations. The firm utilizes a network of Investment Adviser Representatives and a variety of third-party advisory programs to deliver a broad range of investment solutions.

Seth Geisler is a Series 66 licensed financial advisor at Edward Jones with three years of industry experience. Prior to joining Edward Jones, he spent ten years at Eight West Public Relations and three years at Ameriprise. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory services, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of financial advisors and branch offices.

Charles Brown Jr. is a CFP® with 20 years of industry experience, currently advising at Raymond James & Associates since 2025. His prior roles include positions at City National Securities, USAA Financial Advisors Inc., Merrill, and Edward Jones. Outside of his advisory work, he is the Owner and CEO of an LLC focused on rental property acquisition and management. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by a wide range of portfolio management styles and specialized municipal services.

Shayne Gabris is a financial advisor at Fidelity with four years of industry experience and holds a Series 66 designation. Prior to joining Fidelity in 2025, he worked at Charles Schwab and TD Ameritrade, among other firms. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across various asset classes.

Gregg Himfar is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. His prior work includes roles at Investacorp Advisory Services Inc, Investacorp, Inc., and Prudential Investment Management Service. He also maintains an outside business activity as a non-variable insurance agent. 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 financial planning and investment management services, utilizing both proprietary and third-party strategies across various platforms.

Scott Hemerick is a financial advisor at LPL Financial with 29 years of industry experience. His prior firms include Merrill, Fidelity, and Citigroup Global Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Samuel Dabney is a financial advisor at Edward Jones in Bonsall, CA, holding a Series 66 designation with five years of industry experience. Prior to joining Edward Jones in 2021, he served in the United States Marine Corps for 20 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Daniel McMahon is a financial advisor with LPL Financial based in Carlsbad, CA, holding a Series 66 designation and 13 years of industry experience. He has previously worked at Commonwealth Financial Network, OSAIC, SAGEPOINT FINANCIAL, ICM Private Client Group, and Equitable Advisors. McMahon is also a co-owner of Terramar Wealth, Inc., a private entity involved in securities, advisory, and insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice provided by investment adviser representatives who may utilize various strategies and technology tools.

Jill Connelly is a financial advisor at Stifel with 32 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Stifel Nicolaus & Co. since 2008. Stifel serves a wide range of clients including individuals, institutional clients, charitable organizations, and municipal entities. The firm offers brokerage and investment advisory services supported by a proprietary investment strategy developed by its Investment Strategy Group.

Zachary Lefever is a financial advisor at Fidelity with two years of industry experience. He holds Series 63 and Series 66 licenses. His background includes roles at Fidelity Investments as well as positions in various other organizations and community activities, including a role with Semester at Sea. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Jon Frandell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. His prior roles include positions at Bank of America and Merrill. He serves on the board of the Boys & Girls Clubs of North County Foundation, where he reviews financials to support ongoing programs. 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 investment approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.