Alan Shapiro is a CFP® professional with 22 years of industry experience, currently with Wells Fargo Clearing since 2016. His prior roles include positions at Morgan Stanley from 2008 to 2015 and Citigroup Global Markets from 2004 to 2008. He is also co-trustee of a family trust. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets and uses research and analytics to support its investment approach.

Sean Boylan is a Series 66-licensed financial advisor at OSAIC with four years of industry experience. Prior to joining OSAIC in 2024, he worked at Woodbury Financial Services and has been involved with Guide My Finances since 2021, where he provides financial planning and investment management services. Outside of finance, Boylan partners in Stratosphere Strategies LLC, which offers travel-related research and logistical support, and owns a local pet-sitting service. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach featuring portfolio optimization, risk tolerance assessments, and a range of advisory solutions delivered through a multi-advisor platform.

Joshua Lozano is a financial advisor with Charles Schwab, holding Series 65 and Series 63 licenses and having one year of industry experience. His prior work includes roles at Neubloc, Karl Strauss Brewing Company, The Cork & Craft Abnormal Brewery, and Starbucks. Charles Schwab & Co., Inc. serves 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and alternative investments, supported by a large-scale, integrated operational platform.

Brittany Sheley is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its financial planning process.

Kimberly Biller is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. She previously worked at The Wealth Advisors for eight years and has been with LPL Financial since 2007. Outside of her advisory role, she is a licensed notary public and has been involved in residential real estate sales through HomeSmart Realty West. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive operational tools and a large network of investment adviser representatives.

John Mc Laughlin is a financial advisor with Cetera in San Marcos, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior experience includes roles at Avantax Investment Services, Equitable Advisors, AXA Advisors, and several other firms. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform that provides access to affiliated and third-party managers across multiple program structures.

Menatalla Nada is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 10 years of industry experience. She has been with Merrill and Bank of America, N.A. since 2016. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Fredrick Wollman is a financial advisor with Cetera, holding the CFP® designation and Series 63 license, with 45 years of industry experience. He has worked at Cetera since 2021 and operated Wollman Wealth Designs, Inc. since 1998. Outside of his advisory work, he serves as chair of the board of trustees for the Ecolife Conservation nonprofit and is president of the Valley Center Trail Association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary program options.

Michaela Brickley is a financial advisor with LPL Financial based in San Diego, CA, holding the Series 66 designation and bringing 12 years of industry experience. Her prior roles include positions at Independent Financial Group and Commonwealth Financial Network. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions with a broad range of advisory and brokerage services. The firm supports its network with various investment options and operational tools while maintaining oversight of significant discretionary assets and a large advisor network.

John Heil is a financial advisor with OSAIC, holding Series 63 and Series 65 designations and possessing 39 years of industry experience. His prior roles include positions at Cetera Advisors LLC, First Allied Advisory Services, National Planning Corporation, and Piper Sandler & Co. Outside of advisory services, he is involved in mortgage and real estate businesses, including serving as president of MCM Financial Services and owner of MGM Financial Services, Inc. OSAIC Wealth serves a wide range of clients, including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, providing both discretionary and advisor-managed investment strategies supported by a complex affiliate network.

William Jones is a CFP®-certified financial advisor with 30 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Citigroup Global Markets and Morgan Stanley Dw Inc. He serves as co-trustee for a family trust. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients, utilizing research and analytics to support diversified investment strategies.

Cason Dougall is a financial advisor at Raymond James & Associates holding a Series 66 designation with one year of industry experience. Prior to joining Raymond James, he worked at Momentum Marketing and spent ten years in full-time education. 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, institutions, pension plans, and municipal entities, offering financial planning and non-discretionary investment consulting through various specialized programs and an affiliated research network.

Andrew Lippman is a CFP® and ChFC® credentialed financial advisor with 38 years of industry experience. He has been with Cambridge Investment Research Advisors since 2012 and also maintains Inwealth Management, where he is an independent insurance agent. Additionally, he is a commissioned notary public. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individual investors and institutional clients such as pension and charitable organizations. The firm provides financial planning, investment management, retirement-plan advisory, and wrap-fee programs, operating through thousands of financial professionals and offering multiple platform options and proprietary model strategies.

James Hardifer is a Series 66-licensed financial advisor with J.P. Morgan Securities, based in San Marcos, CA. He has 15 years of industry experience and has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2012, following one year at Merrill. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. The firm’s program focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting, supported by centralized due diligence and a combination of quantitative and qualitative research.

Michele Thomas is a financial advisor at Merrill with 25 years of industry experience. She holds a Series 66 designation and has worked at Merrill since 2000 and Bank of America, N.A. since 2020. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Jose Thomas is a financial advisor at Edward Jones with 24 years of industry experience. He has been with Edward Jones since 2001 and holds Series 63 and Series 66 designations. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets through a nationwide network of more than 23,700 advisors, offering discretionary and non-discretionary investment strategies, separately managed accounts, affiliated mutual funds, and tax-efficient services under a fiduciary standard.

Isaac White is a financial advisor at Edward Jones with a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he served at the San Diego County Sheriff's Office for 17 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a wide range of advisory programs and investment solutions supported by a large network of financial advisors and branch offices across the United States.

Stephane Hpay is a financial advisor with Cetera holding Series 63 and Series 65 credentials and 35 years of industry experience. He has worked at Cetera since 2021 and previously spent seven years with VOYA Financial Advisors. Outside of his advisory role, he is also an independent insurance agent specializing in fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered firm that serves individual clients, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers.

Jeffrey Lung is a CFP® with 21 years of industry experience, currently advising at Fidelity Investments. His career includes roles at several firms such as Mercer Global Advisors, TD Ameritrade, Charles Schwab, and Morgan Stanley. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a process that integrates proprietary fundamental research with quantitative analysis and algorithmic portfolio construction. The firm is notable for its management of multiple registered investment companies, use of AI-driven research methods, and delivery of model portfolios to intermediary platforms.

Jeremy Shaffer is a financial advisor with Charles Schwab in Vista, California, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. He has worked primarily at Charles Schwab since 2016, with brief tenures at several other firms in 2019 and 2020. Outside of his advisory role, he performs independent contracting work with Uber and DoorDash and rents vehicles through Turo. Charles Schwab & Co., Inc. serves a large client base of 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 both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a formal alternative investment process within a centralized operational framework.