Andrew Meram is a Financial Consultant at Fidelity Investments. In this role, he partners with clients to develop holistic financial plans aimed at addressing key risks. His approach involves a four-step process that includes understanding clients' priorities, conducting a diagnostic analysis of their current financial situation, and providing clear recommendations without jargon. Andrew's experience at Fidelity Investments includes roles as Investment Consultant from 2022 to 2024, Relationship Manager from 2021 to 2022, and Financial Representative in 2021. He holds a California Insurance License. Outside of his professional work, Andrew enjoys boating and spending time with his family.

Gloria Ruuspakka is a financial advisor with LPL Financial in San Diego, CA, holding a Series 65 credential and three years of industry experience. She previously worked with Carson Wealth/Cetera Advisor Networks from 2018 to 2020 and was involved with One Extraordinary Marriage from 2016 to 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by advisor-facing tools.

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.

Michael Hayes is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He previously worked at Girard Securities before joining Cetera Wealth Services in 2017, continuing with Cetera since 2023. Outside of advising, he is involved in fixed insurance sales and owns businesses in real estate and financial services. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting diverse investment strategies and programs.

Jason Rudolph is a financial advisor at Stifel with 23 years of industry experience. He holds a Series 66 designation and has worked at Stifel Nicolaus & Co Inc since 2016, following prior roles at Morgan Stanley and its affiliates from 2003 to 2016. Outside of his advisory work, he is a co-owner and operator of a snack and beverage vending business run alongside his wife. Stifel serves a diverse client base that includes individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach relies on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

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.

Eric Moffitt is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. His prior experience includes seven years with Wells Fargo Advisors Financial Network LLC. In addition to his advisory role, he is a licensed real estate agent with Berkshire Hathaway, focusing on residential home sales. Raymond James Financial Services Advisors delivers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and maintains specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Kennedee Bennett is a financial advisor at Raymond James & Associates with two years of industry experience. She holds a Series 66 designation and has previously worked in various roles including positions at Azusa Pacific University and Poway Gymnastics. 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, institutional clients, and municipal entities, offering financial planning and investment consulting through a range of portfolio management styles and affiliated research.

Sara Peltier, Wmcp, is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and seven years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2019. Outside of her advisory role, she is a partner at TYGA RE INVESTMENTS, a real estate venture. J.P. Morgan Securities provides institutional consulting services focused on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative and qualitative research to support recommendations, which may include ESG criteria and leverage broad derivatives and commodities capabilities.

Richard Plum is a CFP® with 37 years of industry experience, currently serving with LPL Financial since 2020. His prior roles include positions at Lucia Securities, RJL Wealth Management, and operating Richard Plum Insurance since 1987. He is also involved with Lucia Capital Group, which supports his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, including access to model portfolios and third-party asset managers, supported by advanced research and operational tools.

Erik Amirkhanyan is a financial advisor at Merrill in San Diego, CA, with a Series 66 credential and less than one year of industry experience. His work background includes roles at Bank of America and various positions outside finance such as at restaurants and electric companies. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Dann Sokol is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and offering 46 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with comprehensive advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and firm-approved methodologies, including Monte Carlo simulations, to support financial planning.

Hannah Kelly is a financial advisor at LPL Financial with five years of industry experience. She holds the Series 66 designation and has worked previously at Dunham & Associates Investment Counsel, Inc. and Total Logistics Resources. She is also involved with AEFCT, a non-investment business activity. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management solutions, including access to model portfolios, third-party asset managers, and institutional platforms.

Kevin Choi is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 12 years of industry experience. His prior roles include positions at Northwestern Mutual Investment Services LLC and Shareholders Service Group. 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 advisory process is IPS-driven and incorporates a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Brooke Morris is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Fidelity, Brooke worked at Northwestern Mutual Wealth Management Company and had roles at several other firms including SA Consulting and Cortica. Brooke also spent two years involved with The Louis Armstrong Center for Music and Medicine. Strategic Advisers LLC, a Fidelity Investments company where Brooke is based, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and delivers model portfolios to intermediary platforms.

Christopher Phelps is a CFP® professional affiliated with LPL Financial, with 20 years of experience in the financial services industry. He has worked at Financial Life Concepts and Commonwealth Financial Network, each for over two decades. Phelps is also involved in tax preparation services through Financial Life Concepts. 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 portfolios, third-party asset management, and institutional platforms.

Noah Cicciarelli is a financial advisor with J.P. Morgan Securities in San Marcos, CA, holding a Series 66 designation and three years of industry experience. His prior roles include positions at Axos Invest, Inc., BOFI Federal Bank, and Bank of America. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research, incorporating ESG criteria and access to derivatives and commodities capabilities.

Susan Alefi is a financial advisor with LPL Financial based in San Diego, CA. She holds Series 63 and Series 66 licenses and has 28 years of industry experience. Prior to joining LPL Financial in 2017, she worked at Wells Fargo Clearing and Edward Jones. Outside of her advisory work, she teaches seminars and owns a tax preparation and accounting business. LPL Financial is a national broker-dealer and 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 delivered through a large network of advisors and utilizes various model portfolios, third-party subadvisors, and technology tools.

James Peasley II is a Series 66-licensed financial advisor with UBS Financial Services, where he has worked since 2008. He has 19 years of industry experience and is based in Ramona, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a wide range of capital markets, custody, and research resources.

Andrea Sperduto is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. She has worked at Wells Fargo Clearing from 2016 to 2023 before joining Wells Fargo Advisors. She holds a Series 63 designation and is based in San Diego, CA. Outside of her advisory role, she acts as power of attorney for her father. 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 and uses internal research and planning tools to develop tailored recommendations for clients.