Jeffrey Mccoy is a financial advisor at Stifel with 40 years of industry experience. He has been with Stifel Nicolaus & Co. since 2009. He holds Series 63 and Series 65 licenses. Outside of his advisory work, he serves as a board member for Nu Shoe Inc. Stifel serves a diverse client base including individuals, institutional investors, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Stephen Seidel is a financial advisor at Morgan Stanley with a Series 66 credential and seven years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2018, following a three-year tenure at American Funds Distributors. Morgan Stanley Wealth Management provides advisory programs to individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s planning process uses structured discovery and firm-approved tools but does not include individual security recommendations as part of standalone planning services.

Johnny Aguilar is a financial advisor at Charles Schwab with one year of industry experience. Prior to joining Schwab in 2022, he spent several years in education and operated Janet's Cafe & Deli. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, offering a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts.

Gabriel Mendoza is a financial advisor at Morgan Stanley with six years of industry experience. He previously worked at UBS Financial Services for eight years and has held roles at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2025. Mendoza is the managing member of Ticket Chomp LLC, a technology firm based in Carlsbad, California. Morgan Stanley Wealth Management provides advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and serves clients through both direct and employer-based financial planning agreements.

Gavin Holmes is a financial advisor at Morgan Stanley with a Series 66 credential and no prior industry experience. Before joining Morgan Stanley, he worked at RemoteLink Solutions and has experience in educational roles at San Diego State University and High Tech High Chula Vista. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Joshua Rayburn is a Senior Financial Advisor with Merrill Lynch Wealth Management. Since joining Merrill in 2006, he has held various leadership roles within the organization. In his current position, Joshua and his team serve a multi-generational client base consisting of individuals, families, business owners, and executives, providing wealth planning solutions tailored to client goals and circumstances. Joshua’s approach centers on connecting clients to personalized strategies that address their unique ambitions, such as planning for education funding, retirement lifestyle, and potential healthcare costs. His team emphasizes clear and concise advice that considers more than just financial numbers, translating client goals into actionable steps toward desired outcomes. He earned a Bachelor’s Degree from the State University of New York System and a Juris Doctorate from Syracuse University College of Law. Joshua holds several professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Chartered Retirement Plans Specialist (CRPS), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). In his role at Merrill, Joshua does not provide legal advice.

Elizabeth Kilmer is a financial advisor with LPL Financial, holding Series 63 and Series 66 designations and more than 23 years of industry experience. Her career includes roles at U.S. Bancorp Investments, Merrill, and Bank of America. Kilmer is based in Rancho Santa Fe, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a network of investment adviser representatives to individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supporting various investment strategies and operational tools.

Valerie Reyes is an Investment Consultant at Fidelity Investments, where she partners with clients to develop personalized financial plans that align with their goals. She aims to ensure clients feel informed, supported, and empowered to make decisions regarding their financial future. Valerie has held several roles at Fidelity Investments, including Planning Consultant from 2022 to 2025 and Relationship Manager from 2021 to 2022. Prior to joining Fidelity, she worked as a Financial Consultant at LA Pension Planners and Equitable Advisors. She holds a California Insurance License. Outside of work, Valerie enjoys board games, cooking and baking, spending time with pets, Pilates, snowboarding, and traveling.

Deborah Muenchow is a financial advisor at Stifel with 32 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co Inc since 2015. 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 methodologies developed by its Investment Strategy Group.

Burt Mac Kenzie IV is a financial advisor with LPL Financial based in Carlsbad, CA. He holds a Series 66 designation and has one year of industry experience. Burt has previously worked at Commonwealth Financial Network and Terramar Wealth. Outside of his advisory role, he is an adjunct professor teaching English composition at Virginia Western Community College. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions. The firm provides a range of investment options through models and third-party managers, supported by advanced operational tools, and oversees over $819 billion in discretionary assets across more than 22,800 advisors.

Allan Tentler is a Senior Financial Advisor with Merrill Lynch Wealth Management, specializing in legacy planning, liquidity management, personal retirement planning, and portfolio management services. He serves clients with a focus on personalized wealth management strategies that align with their values and life goals. Allan emphasizes clear communication and trust as the foundation of his client relationships, providing access to Merrill's investment insights and Bank of America's banking and lending solutions. Born and raised in San Diego, Allan has deep community ties, having graduated from Rancho Bernardo High School and earned a Bachelor's degree in Economics from San Diego State University. He began his advisory practice in 2008, building his business during challenging market conditions by prioritizing client experience. Allan holds professional designations including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). In addition to his professional work, Allan participates in community volunteer activities in line with Merrill's commitment to local engagement. His personal interests include adventure sports, golf, soccer, surfing, and tennis.

Joshua Johnson is a financial advisor at Merrill with a Series 66 designation. He joined Merrill in 2025 and has prior experience in mortgage lending, legal support, and various entrepreneurial ventures. His background includes roles at Cross Country Mortgage, The Law Office of Samuel Dagan, and Destination West Builders, LLC. 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 client base that includes individuals, high-net-worth clients, pension plans, and charitable organizations. The firm integrates investment management with Bank of America’s broader platform, providing access to a range of financial products and services.

Avyn Strahlendorff is a Financial Advisor at Merrill Lynch Wealth Management. She specializes in college education planning, personal retirement planning, and focuses on serving women and wealth management needs. Avyn approaches financial planning by working closely with clients to align their finances with their values, goals, and vision for the future. With professional designations as a Chartered Retirement Planning Counselor (CRPC) and a Personal Investment Advisor (PIA), Avyn brings expertise in developing personalized financial strategies. She emphasizes the importance of understanding each client's unique circumstances to provide thoughtful and relationship-based guidance. Avyn holds a Bachelor's Degree from San Diego State University. Outside of her professional work, she enjoys activities such as baseball, basketball, cooking, golfing, music, photography, pickleball, running marathons, softball, and spending time with her family.

Caroline Talebi is a financial advisor at Edward Jones with nine years of industry experience. She holds Series 63 and Series 66 designations. Prior to joining Edward Jones in 2022, she worked at Shenasa Medical Inc for nine years. 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 financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

Christopher Kosmo is a financial advisor with Morgan Stanley, holding a Series 66 designation and 15 years of industry experience. His career includes roles at Wells Fargo Clearing and Wells Fargo Bank prior to joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and methodologies. The firm manages approximately $2.74 trillion in client assets and offers services both directly and through corporate financial planning agreements.

Jason Mubarak is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 27 years of industry experience. He has worked at Morgan Stanley and its Private Bank division since 2009. Outside of his advisory role, he is involved as a winemaker at a family-owned vineyard and winery. Morgan Stanley Wealth Management provides a wide range of advisory programs and financial planning services to both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s planning process utilizes structured discovery conversations and firm-approved tools, serving clients through both direct and corporate agreements.

Michael Moon is a CFP® with 42 years of industry experience, currently affiliated with LPL Financial. His prior roles include 23 years at Lincoln Financial Advisors and three years at Commonwealth Financial Network. He is co-owner of Moon Wealth Management, LLC, which supports his securities, advisory, and insurance activities. 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 comprehensive advisory and brokerage services, including financial planning and institutional platforms, with a broad range of investment strategies implemented through a large network of investment adviser representatives.

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.