Colin Wren is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Wells Fargo Clearing and Wells Fargo Advisors LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services with both discretionary and non-discretionary management options.

Nicholas Anderson is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Brett Levinson is a financial advisor at Stifel with 31 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2015. Stifel serves a wide range of clients, including individuals, institutional investors, and municipalities, providing both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which utilizes forward-looking capital market assumptions and probabilistic modeling for asset allocation and planning analyses.

Benjamin Smith is a financial advisor with Merrill, holding a Series 66 designation and four years of industry experience. His prior work includes roles at U.S. Bank and Bank of America N.A. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves a range of clients, including individuals, high-net-worth clients, and institutional plans, offering model-based and discretionary investment strategies developed by internal and third-party managers.

Rebecca Dempsey is a financial advisor at Raymond James & Associates with two years of industry experience. She holds a Series 66 credential and previously worked at Stifel Financial Corp. Outside of her advisory role, she is employed part-time as a bartender at Hennessey's Tavern. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base, including individuals, institutions, and municipal entities. The firm offers financial planning and non-discretionary investment consulting supported by a broad range of portfolio management styles and affiliated research.

Donna Luna De La Fuente is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 40 years of experience in the financial services industry. She began her career with Merrill in 1978 and has developed a comprehensive approach to wealth management that starts with understanding each client's individual goals. Her expertise includes family wealth management strategies, personal retirement planning, portfolio management services, women and wealth, and retirement income. Donna holds Series 7 and 66 FINRA registrations as well as the Personal Investment Advisor (PIA) designation. Donna earned her High School Diploma from Patrick Henry. Outside of her professional work, she enjoys gardening, spending time with her family, traveling, and practicing yoga.

Andrew Costanzo is a financial advisor at Cetera with 54 years of industry experience and holds the ChFC® and Series 63 credentials. He has been affiliated with Cetera Advisors LLC since 2013 and operates Costanzo Consulting LLC, providing financial services including client reviews and onboarding. Costanzo also runs Costanzo Financial Group, a securities and fixed insurance business. Cetera Investment Advisers LLC is an SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and various program structures supported by affiliated and third-party managers.

David Wine is a financial advisor with Primerica Advisors in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has been with Primerica Advisors since 2000 and has been affiliated with Primerica Financial Services since 1984. Outside of advisory work, he is involved in sales of loan products and home-related services through affiliated companies. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and separately managed accounts. The firm curates third-party asset managers and employs a tiered wrap fee structure, focusing on a range of investment models including Strategic, Tactical, Tax-Aware, and Income Distribution approaches.

Andrew Cap is a financial advisor with Charles Schwab, holding Series 63, 65, and 66 licenses and 14 years of industry experience. His career includes roles at Charles Schwab Bank, Realty Income, and self-employment, with prior work in real estate-related businesses. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth clients through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary client relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by centralized custody and advisory infrastructure.

Nina Nitti is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds the Series 63 designation and has been with Morgan Stanley Private Bank, N.A. since 2015, having worked at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning based on structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides planning services supported by the Global Investment Committee’s return estimates and Monte Carlo simulations.

Kevin Hoskins is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to create, implement, and monitor customized financial plans, aiming to provide a world-class planning experience through genuine, straightforward, and attentive service. Kevin has been with Fidelity Investments since 2014, progressing through positions including Financial Representative, Investment Consultant, and Financial Consultant before his current role. Prior to joining Fidelity, he worked as an Investment Consultant at Scottrade from 2013 to 2014. He holds a California Insurance License. Outside of his professional work, Kevin has interests in baseball, fitness, football, social events with friends, and reading.

Mia Amos is a financial advisor with Charles Schwab in Carlsbad, CA, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She previously worked at TD Ameritrade for 17 years before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves a large client base primarily made up 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 offers both non-discretionary and discretionary investment options, combining centralized custody and brokerage services with multi-asset portfolio management and alternative investment due diligence.

Grace Galloway is a financial advisor at Ameriprise with Series 65 and Series 63 licenses and two years of industry experience. Prior to joining Ameriprise in 2025, she worked at Northwestern Mutual in various capacities from 2024 to 2025. She also attended Texas Christian University from 2019 to 2023. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Brandon Johnson is a financial advisor at Fidelity with three years of industry experience. He holds a Series 66 designation and has previously worked at Wedbush Securities, Guaranteed Rate, Texana Bank, Flagstar Bank, and HomeStreet Bank. Fidelity’s Strategic Advisers LLC provides 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 with quantitative analysis and algorithmic portfolio construction to deliver model portfolios while overseeing sub-advisers and addressing potential conflicts of interest.

Orsolya Gyokeres is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and Related Management. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct individual relationships and corporate financial planning agreements.

Kristin Norby is a financial advisor at Morgan Stanley with 39 years of industry experience. She has held positions at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Norby holds Series 63 and Series 66 designations and is based in Rancho Santa Fe, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools alongside resources such as Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Raymond Lucia Jr. is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and over 25 years of industry experience. Prior to joining LPL Financial in 2020, he was involved with several firms bearing his name, including Lucia Capital Management, LLC, and Lucia Wealth Management, LLC. He hosts a podcast titled Vaulted Views, which he started in 2024. 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 investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, featuring both discretionary and non-discretionary management and a variety of model portfolios and research resources.

Mara Litman is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been associated with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. She also serves as a FINRA arbitrator. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Sean Schexnydre is a financial advisor with Merrill in San Diego, CA, holding Series 66 and Series 63 credentials and two years of industry experience. His prior work includes roles at Bank of America, Hilton Grand Vacations, Wyndham Destinations, and Coldwell Banker. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies supported by internal and third-party investment teams for a range of individual and institutional clients.

Solmaz Morales is a Financial Advisor at Merrill Lynch Wealth Management. She works closely with clients to define their financial goals and develop personalized portfolio strategies aimed at achieving those objectives. Her approach involves ongoing advice and portfolio adjustments in response to changes in clients' situations. Solmaz focuses on various client needs, including college education planning, legacy planning, managing new wealth, personal retirement planning, women and wealth, and retirement income. She holds a Bachelor's Degree from San Jose State University and is designated as a Personal Investment Advisor (PIA). She communicates fluently in both English and Farsi. Beyond her professional role, Solmaz balances her work with personal interests such as ice skating, music, running, tennis, traveling, and spending time with her family. She aims to help her clients navigate financial priorities in a way that aligns with their unique ambitions and family needs.