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 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.

Daniel Anderle is a financial advisor with Raymond James Financial in Encinitas, CA, holding a Series 66 designation and 19 years of industry experience. He has worked at Raymond James and affiliated entities since 2017, with prior experience at Union Bank MUFG. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Delanie Millan is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and has prior experience at Morgan Stanley and her own firm, Millan Group Inc. Outside of her advisory roles, no additional activities are noted. Merrill, together 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 plans, corporations, and charitable organizations.

Jonathan Dickson is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he spent six years with the Allan Gray Orbis Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a broad range of advisory programs and investment solutions supported by a nationwide network of over 23,000 advisors and more than $1 trillion in assets under management.

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.

John Lipari is a financial advisor with UBS Financial Services in Carlsbad, CA, holding a Series 63 designation and 44 years of industry experience. He previously worked at Morgan Stanley and its affiliated entities for a combined 17 years before joining UBS in 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

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 at LPL Financial with six years of industry experience. He holds Series 65 and Series 63 licenses and has been with LPL Financial since 2020. Outside of his advisory role, he serves as an assistant coach for a youth flag football league and the Carlsbad Unified School District. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing a range of advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, serving over 22,900 advisors and managing more than $819 billion in discretionary assets.

Francisco Aguayo is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill and Bank of America N.A. since 2016. Outside of his advisory role, he is the sole owner of a rental property business. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to a diverse client base including individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of model-based and discretionary investment strategies supported by internal and third-party managers.

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.

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 63 and Series 65 licenses and eight years of industry experience. Prior to joining OSAIC in 2023, he worked at Sagepoint Financial, Inc. and Royal Alliance. Outside of finance, he owns and operates a residential plumbing business and is developing a public speaking and coaching role focused on leadership principles. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering a broad range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Timothy Wright is a CFP®-certified financial advisor with eight years of industry experience, currently with LPL Financial. His prior roles include positions at PNC Investments and J.P. Morgan Securities. Outside of his advisory work, he is involved with Outside Wealth LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Scott Hood is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and spent 14 years with Merrill prior to that. Based in Carlsbad, CA, Hood serves clients through Wells Fargo’s extensive financial advisory platform. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and supports more than 14,000 financial advisors.

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 with Raymond James & Associates in Carlsbad, CA, holding a Series 66 designation and 14 years of industry experience. She has been with Raymond James & Associates since 2014. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, offering financial planning and non-discretionary investment consulting with access to a range of portfolio management styles and affiliated research.

Jeffrey Feinberg is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes prior roles at firms such as Piper Sandler & Co., Morgan Stanley, and Wells Fargo Clearing. Feinberg also operated A Street Financial Advisors, Inc., a business related to his work with LPL Financial. 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 through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customizable strategies.

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.