Aaron Bray is a financial advisor with Charles Schwab in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. His career includes 17 years at TD Ameritrade and its investment management affiliate before joining Charles Schwab in 2022. Outside of his advisory role, he owns a rental property managed by a third party. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts, offering both non-discretionary and discretionary investment options supported by centralized custody and integrated operational services.

Eric Moffitt is a financial advisor at Raymond James Financial with 35 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Wells Fargo Advisors Financial Network LLC. Outside of his advisory role, he is also involved in residential home sales as a real estate agent with Berkshire Hathaway. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and institutional entities. The firm emphasizes non-discretionary financial planning and investment consulting, offering tailored recommendations supported by extensive research and analysis.

Thomasina Sanchez is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 designations and previously worked at Morgan Stanley Smith Barney LLC for 13 years. She also serves as a trustee for T B B Trust in Encinitas, California. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension and profit-sharing plans, charitable organizations, and corporate fiduciaries.

Delanie Millan is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. Her prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and running Millan Group Inc. from 2023 to 2026. 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 range of clients including individuals, high-net-worth clients, and institutional fiduciaries. The firm integrates with Bank of America’s corporate platform to provide access to various financial products and services.

Jonathan Dickson is a CFP® professional with eight years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he worked at the Allan Gray Orbis Foundation and managed a property partnership. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of advisory programs. The firm manages approximately $1.01 trillion in assets and operates through a large network of financial advisors and branch offices nationwide.

John Lipari is a financial advisor at UBS Financial Services with 43 years of industry experience. He holds a Series 63 designation and has been with UBS since 2014. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Alissa Faiers is a CFP®-certified financial advisor with 14 years of industry experience, currently practicing at Morgan Stanley in Carlsbad, CA. She has been with Morgan Stanley since 2016. Outside of her advisory role, she is involved in managing rental property. Morgan Stanley Wealth Management serves both individuals and institutional clients, offering a range of advisory programs and tailored financial planning services that utilize structured discovery and firm-approved planning tools.

Michelle White is a Series 66 licensed financial advisor at Stifel with three years of industry experience. Before joining Stifel in 2022, she worked at CHC Helicopter for five years and C&J Energy Services for two years. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodology developed by its Investment Strategy Group.

Christian Chapman is a financial advisor with LPL Financial in Vista, CA, holding Series 63 and Series 65 credentials, and has six years of industry experience. Prior to joining LPL Financial in 2020, he was involved with Compass Balloons and has served as an assistant coach for the Carlsbad Unified School District and the Friday Night Lights youth flag football league. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, and charitable organizations. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from both internal and third-party sources.

Francisco Aguayo is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has previously worked at Bank of America, N.A. Outside of his advisory role, he is the sole owner of a rental property business. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, and institutional investors.

Noah Cicciarelli is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has worked previously at Axos Invest, Inc., BOFI Federal Bank, Axos Financial Inc., and Bank of America. Noah is based in San Marcos, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Michael Hamner is a financial advisor with Cetera in Carlsbad, CA, holding a Series 66 designation and 26 years of industry experience. He has been with Cetera and its related entities since 2003 and runs Hamner & Associates, an accounting and tax planning firm established in 1987. Cetera Investment Advisers LLC operates as an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutions through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, featuring multiple program structures and access to both affiliated and third-party managers.

Gary Sengle is a financial advisor with OSAIC, holding Series 65 and Series 63 licenses and eight years of industry experience. He previously worked at Sagepoint Financial, Inc. and Royal Alliance before joining OSAIC in 2023. Outside of his advisory career, he owns and operates a plumbing business and is developing public speaking and coaching activities centered on leadership principles. OSAIC serves a wide range of clients including individual investors, high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with comprehensive portfolio management tools and access to multiple third-party money managers.

Scott Hood is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 27 years of industry experience. He has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC. 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 offers a range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Katelynne Conser is a CFP® certificant and holds a Series 66 license with eight years of industry experience. She has been with Edward Jones since 2018 and previously worked at Veyo LLC and TUV SUD America, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Katherine Robinson is a financial advisor at Raymond James & Associates with 13 years of industry experience. She holds the Series 66 designation and has been with Raymond James since 2014. Raymond James & Associates provides financial planning and investment consulting through its Wealth Advisory Services Program to a wide range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and government clients. The firm also offers wrap fee advisory programs and institutional consulting, with a notable focus on public finance and municipal work.

Brian Lundberg is a financial advisor with Edward Jones in San Marcos, CA, holding a Series 66 designation and six years of industry experience. He has been with Edward Jones since 2019, following prior roles at Diversyfund and Rich Uncles LLC/Brix Invest. Outside of his advisory work, Lundberg has ownership in rental properties managed through a third party. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds. The firm operates under a fiduciary standard and maintains a large national presence with approximately 23,701 financial advisors and over $1 trillion in assets under management.

Celia Garcia is a financial advisor at LPL Financial with 39 years of industry experience. She holds a Series 63 designation and previously worked for 26 years at Wedbush Morgan Securities Inc. in Carlsbad, CA. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs, financial planning, and retirement plan consulting, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Ronald Bussey is a financial advisor at LPL Financial with 33 years of industry experience. He holds Series 63 and Series 66 designations and has been with LPL Financial since 2002. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of advisors. The firm offers a range of advisory programs, financial planning, and consulting services, utilizing model portfolios and research to support diversified investment strategies.

Peter Mondero is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. He has worked with Morgan Stanley Private Bank, N.A. since 2015 and with Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured financial planning process supported by firm‑approved tools and modeling techniques.