David Baldwin is a CFP® professional at LPL Financial with 20 years of industry experience. He has previously worked at Edward Jones, Waddell & Reed, Commonwealth Financial Network, and several other firms. Outside of advisory work, he is the author of the book "The Balancing Act, Rewriting your financial script" and provides tax preparation services through his firm Talents Financial Planning and Wealth Management. 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 diverse range of financial planning and investment services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by research and technology tools.

Jacob Auger is a financial advisor at Raymond James & Associates in Carlsbad, CA, holding a Series 66 designation with two years of industry experience. His background includes prior roles at LPL Financial and the Salt Lake Country Club, as well as extended experience in education at Westminster College and La Costa Canyon High School. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a wide range of clients, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by diverse portfolio management styles and affiliated research.

Jacob Margozewitz is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. His work history includes roles at Grand Canyon University and Point Loma Nazarene University, as well as experience in orthodontics and education before joining the financial industry. 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 portfolio programs, and institutional platforms, supported by extensive research and technology tools.

Todd Stucker is a financial advisor with Edward Jones in San Marcos, CA, holding a Series 66 designation and seven years of industry experience. He has been with Edward Jones since 2018 and previously worked at 24 Hour Fitness from 2011 to 2018. Edward Jones is a wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets and operates a large network of financial advisors and branch offices nationwide.

James Lindsay is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and 45 years of industry experience. His prior work includes roles at Summit Financial Group Inc and Summit Brokerage Services before joining Cetera Wealth Services, LLC in 2019. He has been with Cetera since 2023. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a nationwide network of independent advisors, utilizing multiple program structures and third-party managers.

Zachary French is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 license and four years of industry experience. He has worked at Morgan Stanley and Morgan Stanley Private Bank, N.A. since 2021. Outside of his advisory role, he owns Torq Holdings LLC, an e-commerce consumer goods business, which he is currently in the process of selling. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and modeling techniques.

Robert Kuech is a financial advisor with Stifel in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2008. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary, forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Vladimira Scott is a Series 66-licensed financial advisor with UBS Financial Services in San Marcos, CA, where she has worked since 2007, totaling 17 years of industry experience. Outside of her advisory role, she is a team manager for a girls’ competitive soccer team at Sporting California USA and serves as co-executor of an estate. UBS Financial Services Inc. serves individual, corporate, and institutional clients by combining brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and operates across multiple capital markets functions.

Gabriel Yanez Jr. is a financial advisor at Ameriprise with 35 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Ameriprise in 2020, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, he is involved in independent insurance brokering and owns a business unrelated to investment activities. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver customized, non-discretionary recommendation reports through a centralized consulting team.

Robert Babcock is a Series 66-licensed financial advisor with Stifel, based in Carlsbad, CA, and has 19 years of industry experience. He worked at Bank of America from 2009 to 2019 before joining Stifel Nicolaus & Co Inc in 2019. Outside of his advisory role, he is involved as a franchisee in the fitness industry, preparing to open a Red Light Method location in Carlsbad. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Jason Roeske is a financial advisor with Charles Schwab in Carlsbad, CA, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2018 and previously at TD Ameritrade from 2016 to 2018. 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Nicholas Mc Spadden is a CFP® certificant with 15 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities since 2012. He has also been associated with JPMorgan Chase Bank, NA since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their program delivers non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a blend of quantitative and qualitative research.

Samuel Altamirano Ramirez is a financial advisor at Merrill with Series 63 and Series 65 registrations. He has one year of industry experience, including current roles at Merrill and Bank of America. Prior to his career in finance, he held positions outside the industry, including work at Tino and Sons Drywall Finishers and Rudolph and Sletten, Inc. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional entities.

Vincent Alessi is a financial advisor at Edward Jones in Carlsbad, CA, holding a Series 66 designation with 16 years of industry experience, all at Edward Jones since 2010. Outside of his advisory role, he is involved in professional surfing, participating in occasional photo shoots and managing related communications. Edward Jones is a full-service wealth management firm serving over four million clients with a wide range of investment options, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of advisors and branch offices.

Rodney Graham is a financial advisor at OSAIC with 10 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Woodbury Financial Services and as a self-employed advisor. He serves as a board member for the End Alz Association and owns the Rodney Graham Financial Coaching / Wealth Management Institute, where he teaches financial literacy and money management through various classes and workshops. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering comprehensive financial planning and advisory services. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, supporting a range of customizable strategies delivered through affiliated broker-dealer and RIA relationships.

Brandon Cass is a financial advisor at Osaic with 21 years of industry experience. He holds a Series 66 designation and has worked previously at SagePoint Financial, D.A. Davidson & Co., and Crowell, Weedon & Co. He is also the president and founder of Intrepid Wealth Management, where he manages his existing client base and recruits financial advisors. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services across multiple programs, emphasizing model-based asset allocation and portfolio optimization supported by technology and risk-management tools.

Ronald Scherdorf is a financial advisor at Charles Schwab with 24 years of industry experience and holds a Series 66 designation. He has been with Charles Schwab since 2002 and has worked concurrently at Charles Schwab Bank since 2005. Outside of his advisory role, he owns a single-family rental property. 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 offers both non-discretionary and discretionary investment management with a multi-asset model portfolio approach and centralized custody and operational support.

Hunter Trusty is a Series 66 licensed financial advisor with three years of industry experience. He is currently with J.P. Morgan Securities and has prior experience at Charles Schwab. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and incorporates a broader range of regulatory registrations and derivatives capabilities than many institutional programs.

Serena Kim is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and 12 years of industry experience. Her prior experience includes roles at SRK Consulting Services, Dickerson, Word & Brown Health, the CA Health Benefit Exchange, and Prudential Insurance Company of America. She is also the owner of SRK Consulting Services, a marketing and business administrative consulting firm. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable organizations. The firm employs a model-driven investment approach using portfolios developed internally and by third-party strategists, and offers financial planning, access to asset managers, and insurance product facilitation through affiliated entities.

Erik Tappin is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His career includes roles at Citigroup Global Markets from 1996 to 2009, followed by positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and methodologies like Monte Carlo simulations as part of its financial planning process.