Yoko Wickersham is a CFP®-certified financial advisor with 28 years of industry experience, currently serving clients at LPL Financial since 2013. Based in Escondido, CA, she holds Series 63 and Series 66 licenses. LPL Financial is an SEC-registered investment adviser and broker-dealer that provides financial planning, advisory programs, retirement plan consulting, and brokerage services to individuals, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers discretionary and non-discretionary management, model portfolios, and research from multiple sources, along with specialized programs for institutional clients.

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 licenses and with 30 years of industry experience. He has been with Cambridge Investment Research, Inc. since 2010 and is also the owner of Blanton Financial Group. Cambridge Investment Research Advisors is an SEC-registered firm serving a diverse client base, including individuals, pension and profit-sharing plans, trusts, and charitable organizations. The firm offers financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals, utilizing both proprietary and third-party investment strategies tailored to client objectives.

Kirsten Roybal is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. She previously worked at Union Banc Investment Services for 10 years before joining LPL Financial in 2020. Roybal also manages Roybal Wealth Management as an ancillary business. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

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 Series 63 and Series 66 licenses and previously worked at firms including Bank of America/Merrill and Prudential Financial. She also has a long career experience at Tiffany & Company. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework to its recommendations.

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.

Jennifer Duggan is a financial advisor at Merrill with 21 years of industry experience. She has been with Merrill since 2013 and holds Series 63 and Series 65 licenses. 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 offers a range of model-based and discretionary investment strategies and serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Matthew Cawley is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 66 licenses and six years of industry experience. He has worked at J.P. Morgan since 2022 and previously held roles at Wells Fargo from 2017 to 2022. Outside of finance, he was involved with SAWS MHS Coffee Company LLC and Main Street Coffee Company, a Dunkin’ Donuts franchise, during 2015 to 2016. J.P. Morgan Securities provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, manager searches, and customized performance reporting. The firm is a subsidiary of J.P. Morgan and combines institutional advisory with brokerage and investment management 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. His prior roles include positions at Cetera Advisor Networks LLC, CWM, LLC, and Nautica Wealth Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers a range of advisory programs and retirement plan consulting, employing both discretionary and non-discretionary management supported by proprietary and third-party research.

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. His prior work includes roles at Primerica Advisors, Primerica Financial Services, and QualiCare. Garrett is also involved in non-investment related work with QualiCare. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving a diverse client base including individuals, retirement plans, and institutions. The firm offers various advisory programs, financial planning, and retirement consulting, supported by research and model portfolios, along with a range of non-advisory financial products.

Steven Freeman is a financial advisor with Fidelity in San Marcos, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has worked at various divisions of Fidelity Investments since 2007. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary management as well as fund advisory and model portfolios.

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.