Aria Khani is a financial advisor at Charles Schwab with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Fidelity Brokerage Services, BancWest Investment Services, Bank of the West, and Wells Fargo entities. 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 related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Michael Schmitz is a financial advisor with Edward Jones in San Marcos, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2026, he worked at Yorkshire Wealth Management for one year and has held positions at FedEx Express, Kaiser Permanente, and TechniArt. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a wide range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Chad Marentette is a financial advisor with Edward Jones in Oceanside, CA, holding a Series 66 designation and bringing 10 years of industry experience. He has been with Edward Jones since 2015. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of discretionary and non-discretionary investment strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management and operates through a large network of financial advisors and branch offices nationwide.

Murray Johnson III is a financial advisor with Cambridge Investment Research Advisors in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. He has been with Cambridge since 2004 and also serves as president and managing member in several family-related and business entities, including Johnson Valley Management, LLC and LocalBeyond LLC, which facilitates individuals living and working abroad. Cambridge Investment Research Advisors is an SEC-registered adviser serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, retirement plan advisory, and financial wellness services through a network of independent Financial Professionals, employing a variety of portfolio management and investment platforms with both discretionary and non-discretionary strategies.

Tiffany Saxon Sandoval is a financial advisor with Wells Fargo Clearing, holding the ChFC® designation and Series 63, 65, and 66 licenses. She has 15 years of industry experience, including prior roles at Bank of America and Merrill. Outside of finance, she owns and operates a dog handling business focused on show dog grooming and transportation. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in an IPS-driven, modern portfolio theory approach.

John Sundstedt is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at Morgan Stanley Private Bank, N.A. since 2015 and at Morgan Stanley Smith Barney LLC since 2007. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning services. The firm uses a structured financial planning process supported by firm-approved tools and provides investment advice without individual security recommendations as part of standalone planning.

Christopher Campbell is a financial advisor at Edward Jones with one year of industry experience. He holds the Series 66 designation and previously worked at Geico, Actalent, and Nordstrom Inc. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of investment strategies, managing approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.

Shannon Arballo is a Financial Advisor affiliated with Merrill Lynch Wealth Management. She focuses on developing personal relationships with clients, emphasizing transparency, open communication, integrity, trust, and ethics in her approach. As a FINRA registered advisor, Shannon serves the best interests of her clients by integrating Merrill Lynch's investment insights with the banking services of Bank of America. Her expertise includes family wealth management strategies, managing new wealth, personal retirement planning, women and wealth, and individual and corporate investment strategy. Shannon strives to understand clients' priorities and goals at every stage of life to create tailored strategies aimed at achieving those objectives. Shannon holds a Personal Investment Advisor (PIA) designation and has completed education at Poway High School and Ashford University. She actively participates in her community through volunteering with organizations such as Jacobs & Cushman San Diego Food Bank, OPERATION HOMEFRONT INC, SUPPORT THE ENLISTED PROJECT INC, and Surfrider Foundation San Diego County Chapter. Outside of work, her personal interests include camping, cooking, golfing, music, spending time with her family, and watching movies.

Maxwell Razzore is a financial advisor at Cetera with 19 years of industry experience. He holds the Series 66 designation and has worked with several firms, including LPL Financial from 2008 to 2021 and First Allied Securities from 2021 to 2022. Since 2021, he has been associated with multiple Cetera entities. Cetera Investment Advisers LLC is an SEC-registered adviser serving individuals, employer-sponsored retirement plans, corporate and charitable clients, and institutional accounts through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services and operates a multi-manager platform that includes model portfolios, third-party managers, and bespoke strategies.

Antonio Rizzuto is a financial advisor at Edward Jones in Carlsbad, CA, holding a Series 66 designation with one year of industry experience. Prior to joining Edward Jones, he was a full-time student and involved with associated student activities. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory strategies and managing approximately $1.01 trillion in assets through a large network of financial advisors and branch offices.

William Allred III is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 24 years of industry experience. He previously worked at LPL Financial for 11 years before joining Wells Fargo in 2025. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory.

Dana Albert is a Senior Financial Advisor at Merrill Lynch Wealth Management. With a background rooted in the Coastal North County San Diego community, he focuses on delivering personalized wealth management strategies that align with clients' unique financial goals and market conditions. Dana draws upon his experience in the golf industry and hospitality sector to provide service centered on building meaningful client relationships. He offers expertise in areas including college education planning, family wealth management, legacy planning, personal retirement planning, socially responsible investing, tax minimization, and retirement income. Dana holds a Bachelor's Degree from the California State University system and a Master's Degree from National University. He carries the Personal Investment Advisor (PIA) designation. His prior career includes 20 years in various roles within private golf clubs, along with experience as a college instructor and service manager, which informs his approach to coaching and educating clients. He is involved with professional organizations such as the Leukemia and Lymphoma Society of San Diego and True Care. In his community, Dana participates with groups like First Step House of North County, Junior Achievement San Diego, Knights of Columbus Chapter 9022, Meals on Wheels San Marcos, North County Junior Golf Association, Pro Kids The First Tee Oceanside, San Marcos Boys and Girls Club, and the San Marcos Rotary Club. He resides in Oceanside with his wife, three daughters, a cat, and a guinea pig. Dana's personal interests include baseball, gardening, golfing, music, surfing, table tennis, watching movies, and spending time with his family.

Carolina Rida Jaafar is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities LLC and J.P. Morgan Chase Bank N.A. since 2016. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Colin Field is a financial advisor at Edward Jones in San Marcos, CA, holding a Series 66 designation with seven years of industry experience. Prior to joining Edward Jones in 2018, he worked in mortgage lending at Nations Direct Mortgage and JMAC Lending. 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 offices.

Gary Endres is a financial advisor at Stifel with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co. Inc. since 2009. Outside of his advisory role, he is a 20% owner of Montrose LLP, which owns real estate property in Costa Rica. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to support its investment analysis and allocation guidance.

John Taylor is a CFP® with 26 years of industry experience, currently serving as a financial advisor at Merrill in Carlsbad, CA. He has been with Merrill and Bank of America since 2014. 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 broad client base that includes individuals, high-net-worth clients, and institutional investors.

Kelly Morris is a financial advisor with LPL Financial, holding a Series 66 designation and 24 years of industry experience. Prior to joining LPL Financial in 2025, she worked for Independent Financial Group LLC for 11 years. She is involved with Family Legacy Group, a non-investment-related outside business activity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by both discretionary and non-discretionary management, model portfolios, and research from multiple sources.

Stephen Whitman is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and bringing 40 years of industry experience. He has been with Morgan Stanley since 2009, including a role at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management offers advisory programs to individuals and institutional clients, focusing on tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides a range of services including estate planning and investment strategies.

Eduardo Villagrana is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. He has worked at various J.P. Morgan entities since 2016 and was previously employed by Uber. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program. The firm combines institutional advisory operations with brokerage and investment management capabilities.

Irene Gomez Ramirez is a financial advisor at LPL Financial with 16 years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Advisors LLC and Wells Fargo Clearing. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm offers various advisory programs, financial planning, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.