Danielle Uy is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and three years of industry experience. Her prior roles include positions at Bank of America, Merrill, and several companies outside finance including Amazon and Macy's. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs a structured, tool-based planning process without providing individual security recommendations in standalone planning.

Steven Krogh is a financial advisor with LPL Financial in Carlsbad, CA, holding the CFP® designation and Series 63 license, with 40 years of industry experience. He has been associated with LPL Financial since 1986 and founded The Wealth Advisors in 2009, where he continues to provide financial planning and advice. Outside of his advisory work, he has involvement in non-variable insurance and health insurance sales. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a variety of advisory programs, financial planning services, and utilizes model portfolios and research from multiple sources, including LPL Research and third-party subadvisors.

John Kirlin is a financial advisor at Charles Schwab with one year of industry experience. He holds a Series 66 designation and has previously worked in business operations outside financial services, including managing a mosquito control company and a restaurant. 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Cynthia Velasquez is a financial advisor with Primerica Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and bringing eight years of industry experience. She has worked at Primerica Advisors since 2017 and has an extended background with Primerica Financial Services dating back to 2009. Outside of advising, she has maintained a long-standing role as a self-employed notary since 2007. Primerica Advisors provides discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and offers a tiered wrap-fee structure rather than fixed-fee billing.

Abigail Valentine is a financial advisor with OSAIC based in Carlsbad, CA, holding a Series 65 credential and one year of industry experience. Her prior work includes roles at GUIDE MY FINANCES and Guided Medicare Solutions. OSAIC serves a diverse client base including individuals, high-net-worth investors, pension plans, corporations, and nonprofits through a large network of advisors. The firm offers brokerage and investment advisory services, financial planning, and managed account solutions utilizing firm-provided asset allocation tools and multiple third-party platforms.

Wyatt Wilson is a financial advisor at Edward Jones with a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2023, he held various positions in hospitality and service industries, including roles at Rancho Bernardo Inn and Vineyard Golf Course. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs and investment options, operating under a fiduciary standard and supported by a large network of financial advisors and branch offices.

Troy Koepplin is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 28 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 13 years before joining LPL Financial. Koepplin is also an enrolled agent providing tax preparation and accounting services. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a nationwide network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and brokerage services, with both discretionary and non-discretionary management supported by model portfolios, third-party subadvisors, and research.

Michael Bogseth is a CFP® with 19 years of industry experience, currently affiliated with OSAIC. He previously worked at Securities America Advisors and Securities America Inc. for 13 years. Outside of his advisory role, he is co-owner of RightPath Planning Partners, LLC, which focuses on retirement income and technology consulting. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable clients through a large network of advisors. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and access to third-party money managers and wrap programs, utilizing asset-allocation tools and automated rebalancing to manage diversified portfolios.

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.

Dean Zack is a financial advisor with Raymond James Financial Services Advisors, Inc., holding a Series 63 designation and 39 years of industry experience. He has worked at Raymond James since 2018 and previously held positions at Wells Fargo Clearing and Concurrent Advisors. He is the owner of Zack Wealth Management, LLC. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, corporations, and institutional clients, using analytical tools and non-discretionary advisory services tailored to client goals.

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.