Jeffrey Ross is a financial advisor with Raymond James Financial in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. Prior to joining Raymond James in 2023, he worked at Transamerica Capital, Inc. for eight years. He is also engaged in a support role at Addison Avenue Investment Services, assisting a financial advisor team. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, institutions, and charitable organizations. The firm emphasizes non-discretionary planning tailored to client goals and incorporates analytical tools such as risk profiling and probability modeling in its approach.

Todd Clark is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 66 designations and bringing 30 years of industry experience. He has worked at Cambridge since 2010 and previously with OSAIC Services, Inc. and Sunamerica Securities, Inc. He is also the owner of Blanton Financial Group. Cambridge Investment Research Advisors serves a wide range of individual and institutional clients, including pension and charitable organizations, offering financial planning, investment management, and retirement-plan advisory services through multiple platforms and proprietary model strategies.

Zoran Selakovic is a financial advisor at LPL Financial with 18 years of industry experience. He holds a Series 66 designation and has been associated with LPL Financial since 2008. He currently serves as Treasurer on the board of the nonprofit YACHTAID GLOBAL. 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 financial planning and investment management solutions through a large network of investment adviser representatives.

Kirsten Roybal is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. She previously worked at Union Banc Investment Services and U.S. Bancorp Advisors before joining LPL Financial in 2020. Roybal also manages a separate investment-related business, Roybal Wealth Management. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning and investment management services through a large network of advisory representatives.

Christopher Banta is a financial advisor at Charles Schwab with five years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several notable firms including Merrill Lynch, Bank of America, and PNC Investments. Prior to his financial career, he worked with the San Diego Unified School District and as a self-employed consultant. 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 services. The firm offers a combination of non-discretionary and discretionary investment management, supported by multi-asset model portfolios and centralized operational infrastructure.

June Falales is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds the Series 63 and Series 66 designations and has previously worked at Bank of America/Merrill, Prudential Financial, and Luiz H Boscardin. Falales also spent 19 years at Tiffany & Company prior to her financial services career. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a selective advisory program that offers non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research with an ESG framework, supporting clients with specialized capabilities in derivatives and commodities.

Gregory Stringari is a financial advisor at Wells Fargo Advisors with 34 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Wells Fargo Advisors since 2012. Stringari is also a co-founder of Trailhead Wealth Management LLC, where he devotes significant time to operations. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that serves individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and integrates advisory solutions with various banking and lending products.

Kenneth Patterson Jr. is a CFP® and Series 66 credentialed financial advisor with Edward Jones, where he has worked since 2008. He has 17 years of industry experience. Outside of his advisory role, he serves as a head official and assists in training novice referees for adult recreational sports. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management, offering a range of discretionary and non-discretionary investment strategies and affiliated financial products through a large network of advisors and branch offices.

Matthew Cawley is a financial advisor at J.P. Morgan Securities with six years of industry experience. He holds Series 63 and Series 66 credentials. His prior experience includes five years at Wells Fargo and related entities. Outside of finance, he was involved in coffee-related ventures from 2015 to 2016. 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 searches, and customized performance reporting. The firm’s advisory process combines quantitative screens and qualitative research, incorporating an ESG eligibility framework and leveraging broader derivatives and commodities capabilities.

Steven Lerner is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and over 21 years of industry experience. He has worked at LPL Financial since 2004, with prior roles at Cetera Advisor Networks LLC, CWM, LLC, and Nautica Wealth 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, supported by a network of more than 22,800 advisors.

David Menashe is a financial advisor with Merrill in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and possessing 43 years of industry experience. He has been with Merrill Lynch, Pierce, Fenner & Smith Incorporated and Bank of America since 2009. 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 strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Joseph Macdougall is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Cavanaugh Financial, Cal Ice Ventures, LLC, and Cavanaugh Financial Group. Outside of his advisory work, he is a partner in JWM Holdings, Inc., where he breeds and races horses. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and supports a broad range of clients through its extensive advisor network and specialized programs.

Jon Schmauss is a financial advisor at Morgan Stanley with 58 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. He holds the Series 63 and Series 65 designations and is based in Rancho Santa Fe, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Garrett Ringlever is a financial advisor with LPL Financial in San Diego, CA, holding Series 65 and Series 63 licenses and two years of industry experience. Prior to joining LPL Financial, he held positions at Primerica Advisors, Primerica Financial Services, and QualiCare. Outside of his advisory role, he maintains employment with QualiCare. 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 provides a range of financial planning and investment management services through a large network of advisors and utilizes various strategic and tactical portfolio approaches.

Steven Freeman is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Fidelity Investments since 2007 in various roles. Fidelity’s Strategic Advisers LLC offers investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios from a broad investable universe, with oversight of sub-advisers and conflict-of-interest controls.

James Llovera is a financial advisor at Merrill with 15 years of industry experience. He holds a Series 66 credential and has been affiliated with both Merrill and Bank of America since 2011. Outside of his advisory work, he owns and manages rental properties in California. 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 to individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Clark Lacerda is a financial advisor at UBS Financial Services with seven years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Wells Fargo Clearing, JPMorgan Chase Bank, J.P. Morgan Securities, and Bank of America. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

Matthew Mc Gruder is a financial advisor at Charles Schwab with Series 63 and Series 65 credentials and 26 years of industry experience. He previously worked at TD Ameritrade Clearing, Inc. and TD Ameritrade, Inc. for a combined total of 31 years. 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. Schwab combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research and a formal alternative-investment onboarding process.

Brad Sherman is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he served 22 years in the U.S. Marine Corps and has held roles in companies including Flower Drop, LLC and Compass Airlines, LLC. He also serves on the advisory board of a media production company, Kyro Digital. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning through structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional services with additional investment and trading activities.

Thomas Vieira is a financial advisor at Osaic with 32 years of industry experience. He previously spent 21 years at Lincoln Financial Advisors Corporation. Vieira is involved in managing insurance products and serves as a co-trustee for family revocable trusts as well as a trustee for a 401(k) plan. 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 programs with a model-based investment process that supports asset allocation, portfolio optimization, and integration of third-party money managers.