Adrian Concepcion is a CFP® and ChFC® with 27 years of industry experience. He is currently with Ameriprise and has previously worked at WCG Wealth Advisors, LPL Financial, Bank of America, and Merrill. Outside of his advisory role, he serves as Vice President of the San Diego - Imperial Counties Kids Wrestling Association and as Kids Director for California USA Wrestling, Inc. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored recommendations through a centralized consulting team.

Stephen Gurley is a financial advisor at Morgan Stanley with 39 years of industry experience. He has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Gurley holds Series 63 and Series 65 licenses. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning using structured discovery and firm-approved tools.

William Tychsen II is a financial advisor at OSAIC with over 31 years of industry experience. He holds Series 63, 65, and 66 licenses and has worked at several firms including First Tech Federal Credit Union and Addison Avenue Investment Services. Tychsen is also the CEO of Tychsen Advisory Group, where he provides financial advice. OSAIC Wealth serves a diverse client base including retail investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by a model-based investment process that emphasizes portfolio optimization and risk management.

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.

Christopher Szot is a financial advisor with Wells Fargo Advisors who holds the ChFC® designation and has 21 years of industry experience. He previously worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Szot owns Crown Wealth Management, LLC, an investment-related business based in Vista, California. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and fee-based financial planning services. The firm’s approach includes tailored recommendations based on Wells Fargo research and planning tools, with services designed to address various financial planning needs, including niche areas such as business-owner transition and special-needs planning.

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.

Douglas Cole is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at SagePoint Financial, Inc., OSAIC Services, Inc., Cole Financial, LLC, and Sentra Securities Corporation. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and participant-level retirement advice, supported by a network of over 22,800 advisors.

Justin Mc Donald is a CFP® professional with nine years of industry experience, currently serving at Charles Schwab in Carlsbad, CA. He has been with Charles Schwab Bank SSB since 2017 and with Charles Schwab since 2016. Charles Schwab & Co., Inc. provides wealth management services mainly to high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management alongside brokerage, custody, and financial planning services. The firm is notable for its scale, integrated structure, and use of multi-asset model portfolios supported by centralized operational and supervisory resources.

Sarah Montoya is a Series 66-licensed advisor at Morgan Stanley with 15 years of industry experience. She has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2015, and previously worked at Merrill from 2011 to 2013. Montoya serves as a board member for the University of California, San Diego, and is a member of M.M. Bodega, LLC, a retail and art-related business in Carlsbad, California. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured discovery conversations and approved planning tools, offering a range of investment and planning services without providing individual security recommendations as part of standalone financial plans.

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.

Terrance Blessing is a financial advisor at Stifel with 26 years of industry experience. He holds the Series 66 designation and has been with Stifel Nicolaus & Co Inc since 2009. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing clients with asset allocation and retirement planning analyses to support their decision-making.

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.

Victoria Kugler is a financial advisor at Stifel with 18 years of industry experience. She has held her current position at Stifel Nicolaus & Co. Inc. since 2008 and holds a Series 66 designation. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

James Lindsay is a financial advisor at Osaic Wealth with 14 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining Osaic in 2023, he worked at SagePoint Financial for ten years and has been associated with Guardian Life Insurance Company for over a decade. Outside of his advisory role, Lindsay owns and manages an independent plane club and operates a custom T-shirt business. Osaic Wealth serves a varied client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with both brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization supported by multiple investment strategies and custodial arrangements.

Christian Azalde is a financial advisor with Fidelity Investments in Fallbrook, California, holding Series 63 and Series 66 licenses and five years of industry experience. He has worked at Fidelity since 2021 and has prior experience at several organizations, including N26 and the Bronco Foundation. In addition to his advisory role, he serves as an adjunct professor for the healthcare department at Concordia University Irvine. Fidelity's Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a systematic investment approach that combines proprietary research, quantitative analysis, and algorithmic portfolio construction.

Bruce Baker is a financial advisor with Stifel who holds a Series 63 designation and has 37 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2008. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning analyses.

Michael Puente is a financial advisor at Stifel with 35 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2009. Outside of his advisory role, Puente is an artist. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning guidance.

Craig Kaiser is a financial advisor at Morgan Stanley with 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. In addition to his advisory work, Kaiser owns rental property in Carlsbad, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and utilizes firm-approved planning tools and modeling techniques as part of its services.

Darcy Wolfe is a CFP® with 12 years of experience at Edward Jones in Carlsbad, CA. Prior to joining Edward Jones in 2014, he served 20 years in the U.S. Navy/Reserves. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a broad range of advisory and investment services through a large national network of advisors and branch offices.