Jesse Higbee is a financial advisor at Merrill with 11 years of industry experience. His career includes positions at Wells Fargo Bank and Wells Fargo Clearing before joining Merrill and Bank of America in 2025. Outside of his advisory role, he occasionally sells items online through eBay. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Edward Quinlan is a financial advisor at OSAIC with 44 years of industry experience. He holds the ChFC® designation along with Series 63 and Series 65 licenses. His prior experience includes 14 years at FSC Securities Corporation and 11 years at Advantage Capital Corporation. Quinlan operates Quinlan Financial, a business through which he provides registered products as well as life, health, and disability income insurance. 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 with an investment process focused on model-based asset allocation, portfolio optimization, and access to various third-party managers and proprietary strategies.

Erin Bethge is a CFP®-certified financial advisor with 11 years of industry experience. She has worked at Raymond James & Associates since 2019 and previously held roles at Bank of America and Merrill from 2015 to 2019. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering tailored financial planning and consulting services supported by in-house research and a range of portfolio management strategies.

Christopher Deleon is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and bringing seven years of industry experience. He has worked at J.P. Morgan Securities and JPMC Bank NA since 2018 and previously at Bank of America N A from 2016 to 2018. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research and includes expanded derivatives and commodities capabilities.

James Gilmore is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he leads goals-based wealth management efforts for a select group of affluent clients and their families. His approach focuses on understanding clients' priorities, goals, and aspirations to develop personalized financial strategies. James analyzes current market trends and economic data to identify opportunities and challenges, aiming to provide clarity and simplicity in a complex financial environment. James began his financial services career in 1981 at Merrill Lynch Wealth Management as an Operations Specialist. He gained experience as Vice President of High Yield and Convertible Bonds at Drexel Burnham Lambert and as Vice President of Taxable Fixed Income at Jefferies & Company before returning to Merrill in 2001. His client focus includes college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, tax minimization, and retirement income. He holds a Bachelor of Arts degree in Political Science from Middlebury College and earned the Certified Investment Management Analyst® (CIMA®) designation as well as the CERTIFIED FINANCIAL PLANNER™ (CFP®) certificant. James is also a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a member of the Investments & Wealth Institute and supports community organizations including Rady Children's Hospital, San Elijo Lagoon Conservancy, Surfrider Foundation, and Sierra Club. Additionally, he participates in the Middlebury College Alumni Admissions Program. Outside of work, James enjoys biking, boating, gardening, ice hockey, music, running, skiing, and traveling.

Kelly Takacs is a Planning Consultant at Fidelity Investments, a role she has held since 2021. Prior to this, she worked as a Relationship Manager from 2018 to 2021 and as a Financial Representative from 2016 to 2018, all within Fidelity Investments. Kelly holds a California Insurance License. Her professional approach involves gaining a deep understanding of her clients' situations to build plans that support their needs and desires. Outside of her professional work, Kelly has interests in fitness, pets, Pilates, traveling, and yoga.

Ann Tu is a financial advisor at Morgan Stanley with 26 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery and firm-approved tools, managing approximately $2.74 trillion in client assets.

Graydan Smith is a financial advisor at LPL Financial with six years of industry experience. He previously worked at Bank of America, Merrill, and Domas Capital Group. He holds a Series 66 designation. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with a focus on both strategic and tactical investment approaches.

William Clark is a financial advisor at Thrivent Investment Management with 22 years of industry experience. He holds Series 65 and Series 66 designations and has been with Thrivent Financial and Thrivent Investment Management since 2016. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of Financial Advisors. The firm offers holistic, goal-based financial analyses and enables clients to combine planning with managed-account services under a consolidated billing option called “WealthPlan,” while keeping the services distinct.

Michael Roberts is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 63 designation and 33 years of industry experience. He has worked at Morgan Stanley 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 individuals and institutional clients. The firm offers a wide range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.

Aysha Williams is a CFP®-designated financial advisor at Charles Schwab with seven years of industry experience. She has worked at Charles Schwab Bank, SSB and Charles Schwab & Co., Inc. since 2019. Prior to that, she held positions at The Music Center and the University of California Los Angeles. Charles Schwab & Co., Inc. serves a large client base, 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 offers a combination of non-discretionary and discretionary investment solutions supported by comprehensive research and centralized operational infrastructure.

Paul Sanit is a Senior Vice President and Wealth Management Advisor with Merrill Lynch Wealth Management, bringing over 40 years of industry experience. He is a key member of the HS Legacy Group, a team dedicated to providing holistic wealth management planning services tailored to affluent families. Paul's career began at E.F. Hutton's Personal Financial Planning division in New York City, where he advised the firm's affluent clients. Over the years, he has guided clients through various market cycles and significant life transitions. Paul holds a Bachelor's degree in Finance from Hofstra University and earned the Certified Plan Fiduciary Advisor® (CPFA®) designation from the National Association of Plan Advisors. As a qualified Portfolio Manager, he constructs and manages personalized investment strategies incorporating individual securities, Merrill model portfolios, and third-party investment managers. He may manage strategies on a discretionary basis through Merrill's Investment Advisory Program to align portfolio decisions with client objectives. Living in San Diego for over 30 years, Paul enjoys golf, cycling, fitness, and travel in his free time. He emphasizes understanding clients' life priorities and collaborates to create personalized financial plans designed around clients' goals and aspirations.

John Taylor is a financial advisor at LPL Financial in Encinitas, CA, holding Series 65 and Series 66 credentials with two years of industry experience. His prior experience includes roles at HSBC and multiple tenures at LPL Financial and Lifetime Financial Advisors. 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.

Karla Mesta is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, she worked in speech-language therapy from 2019 to 2025. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies, supported by a large nationwide network of advisors and branch offices.

Nicolas Mendez is a Series 66 licensed advisor with J.P. Morgan Securities in Del Mar, CA, with four years of industry experience. His prior roles include positions at Fidelity Investments and Gentrust Wealth Management. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Adrian Schulz is a Series 66-credentialed advisor with 20 years of experience, currently affiliated with J.P. Morgan Securities since 2012. His prior experience includes roles at JPMorgan Chase Bank, N.A. and Equitable Advisors. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm utilizes a centralized due diligence process combining quantitative and qualitative research and incorporates ESG criteria in its recommendations.

My Linh Phan is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. Prior to joining Fidelity, she worked at Comerica Bank and was involved with Black Diamond Realty LLC for three years, in addition to her education sector experience. Strategic Advisers LLC, a Fidelity Investments company where she practices, provides investment management and advisory services to retail and institutional clients, offering discretionary and non-discretionary portfolio management, fund advisory, and model portfolio delivery. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive involvement in commodity pool management and advisory roles for registered investment companies.

Robert Kearney is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and has previously worked at Cetera Wealth Services, ClearPoint Neuro, IRRAS USA, and Philips. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies.

Christopher Lloyd is a Certified Financial Planner (CFP®) and Chartered Financial Consultant (ChFC®) with 27 years of industry experience. He has worked at LPL Financial since 2020 and previously held roles at Lucia Securities, Lucia Capital Group, and Planner Resource Group. He also operates his own insurance agency, Lloyd Consulting, which he has managed since 2002. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Zachary Moreo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with J.P. Morgan Securities and affiliated entities since 2012. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines systematic quantitative screening and qualitative research, supported by centralized due diligence and a forward-looking capital market framework.