Saul Serano is a financial advisor with Charles Schwab holding a Series 66 designation and 10 years of industry experience. His work history includes roles at TD Ameritrade from 2016 to 2022 and at Charles Schwab since 2022, currently based in San Diego, CA. 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts, employing multi-asset model portfolios and a centralized operational structure.

Rasaan Moshesh is a Series 66-licensed financial advisor with Edward Jones, based in Encinitas, CA, and has five years of industry experience. Prior to joining Edward Jones in 2022, he worked at MyVest and Clear Capital, Inc. He also owned and managed a rental property in Truckee, CA, from 2019 to 2022. Edward Jones is a full-service wealth management firm that serves individual and institutional clients with a range of advisory programs, offering both discretionary and non-discretionary strategies supported by a nationwide network of more than 23,700 advisors.

Xiner Zhang is a financial advisor at Morgan Stanley with a Series 66 designation and less than one year of industry experience. Prior to joining Morgan Stanley, Zhang held various roles in education and technology, including positions at the University of California, Berkeley, Mo-Yi Tech, and KuraCare Inc. Morgan Stanley Wealth Management serves both individuals and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and utilizes structured discovery conversations and proprietary planning tools in its financial planning process.

Cody Meza is a financial advisor with Merrill in Rancho Santa Fe, CA, holding a Series 66 designation and six years of industry experience. Prior to joining Merrill in 2020, he worked in roles at Southern Glazer's Wine and Spirits, BMW Encinitas, Hyatt Corporation, and San Diego State University. Outside of his advisory work, he is involved with Sunset Trivia, a limited liability company based in San Diego. 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. The firm offers model-based and discretionary investment strategies and services a range of clients including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Richard French is a financial advisor at Morgan Stanley with 41 years of industry experience. He holds the Series 63 and Series 65 designations and has worked with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves individual and institutional clients by providing a variety of advisory programs and financial planning services that include tailored strategies using firm-approved planning tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers both direct and corporate financial planning solutions.

Steven Schuknecht is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and previously worked at RS Hughes Co, Inc. and ImpactOrtho, among other roles. Morgan Stanley Wealth Management provides a range of advisory programs to individuals and institutional clients, offering tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and emphasizes a structured planning process supported by firm-approved tools and modeling techniques.

Nicholas Mc Coy is a CFP® with four years of industry experience, currently serving as a financial advisor at Stifel since 2021. Prior to joining Stifel, he worked for the Los Angeles Angels for five years. Stifel provides brokerage and investment advisory services to a diverse client base, including individuals, institutional clients, charitable organizations, and municipal entities. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to guide asset allocation and financial planning.

Alan Sweeten is a financial advisor with LPL Financial in Carlsbad, CA, holding a Series 66 designation and 21 years of industry experience. He has been associated with LPL Financial since 2005 and operates Flight Plan Financial Services, which he founded in 2010. Outside of his advisory work, he is involved in a small internet-based business creating custom woodworking projects. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Edward Quinlan is a financial advisor at Osaic Wealth, Inc. based in Carlsbad, CA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 43 years of industry experience, previously working for FSC Securities Corporation for 14 years prior to joining Osaic in 2023. Quinlan operates a business named Quinlan Financial, through which he provides registered products as well as life, health, and disability income insurances. Osaic Wealth serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations through a broad network of affiliated advisors. The firm offers integrated brokerage and advisory services, utilizing asset allocation tools and third-party platforms to manage portfolios including stocks, bonds, mutual funds, ETFs, and alternative investments.

Stacey Herrle is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. She previously worked at Wells Fargo Clearing Services LLC and Wells Fargo Bank NA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by firm-approved tools.

James Gilmore is a Wealth Management Advisor at Merrill Lynch Wealth Management, where he leads goals-based wealth management efforts for a select group of affluent clients and their families. His approach focuses on understanding clients' priorities, goals, and aspirations to develop personalized financial strategies. James analyzes current market trends and economic data to identify opportunities and challenges, aiming to provide clarity and simplicity in a complex financial environment. James began his financial services career in 1981 at Merrill Lynch Wealth Management as an Operations Specialist. He gained experience as Vice President of High Yield and Convertible Bonds at Drexel Burnham Lambert and as Vice President of Taxable Fixed Income at Jefferies & Company before returning to Merrill in 2001. His client focus includes college education planning, divorce transition planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, tax minimization, and retirement income. He holds a Bachelor of Arts degree in Political Science from Middlebury College and earned the Certified Investment Management Analyst® (CIMA®) designation as well as the CERTIFIED FINANCIAL PLANNER™ (CFP®) certificant. James is also a CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). He is a member of the Investments & Wealth Institute and supports community organizations including Rady Children's Hospital, San Elijo Lagoon Conservancy, Surfrider Foundation, and Sierra Club. Additionally, he participates in the Middlebury College Alumni Admissions Program. Outside of work, James enjoys biking, boating, gardening, ice hockey, music, running, skiing, and traveling.

Martin Garcia is a financial advisor at Merrill with a Series 66 credential and one year of industry experience. His prior work includes roles at Bank of America, Enterprise Mobility, Qualitas Insurance Company, Deloitte, and the University of California San Diego. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Kailen Cook is a financial advisor at Edward Jones with 22 years of industry experience. He holds Series 63 and Series 66 designations and has worked at firms including Voya Financial Partners, OneAmerica Securities, and LPL Financial. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a range of investment advisory programs. The firm manages approximately $1.01 trillion in assets and supports its clients through a large nationwide network of advisors and branch offices.

Veronica Rodriguez is a financial advisor at J.P. Morgan Securities with 11 years of industry experience. She holds Series 63 and Series 66 designations and has worked at JPMorgan Chase Bank and J.P. Morgan Securities since 2011. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Benjamin Solari is a financial advisor at Fisher Investments with nine years of industry experience. He holds a Series 65 designation and has been with Fisher Investments since 2015. The firm serves a global mix of institutional and private clients, including pension plans, foundations, and high-net-worth individuals, offering discretionary portfolio management and comprehensive investment services. Fisher Investments employs a centralized investment approach combining quantitative and qualitative analysis to construct diversified portfolios and manages risk through various tax-aware and defensive strategies.

Zachary Sundstedt is a financial advisor at Morgan Stanley in Carlsbad, CA, with two years of industry experience. He holds Series 66 and Series 63 licenses and has previously worked at The Vanguard Group and Morgan Stanley Private Bank, N.A. Outside of his advisory roles, his background includes various self-employed ventures and positions in the food service industry. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs and financial planning services that utilize structured discovery processes and firm-approved tools to develop tailored plans.

Richard Ordona Jr. is a financial advisor at Morgan Stanley with two years of industry experience. He holds a Series 66 designation and has previously worked at Grousemont Property Management and AssuredPartners of WA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides advisory services without offering individual security recommendations as part of its standalone planning program.

Adam Traganza is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 licenses and bringing 32 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research since 2017. Outside of his advisory work, he has served as guardian and custodian for an elderly parent for over a decade. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base, including individuals, pension plans, charitable organizations, and trusts. The firm provides financial planning, investment management, and retirement advisory services through a network of independent professionals, offering a variety of portfolio management options across multiple platforms and custody arrangements.

Aysha Williams is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and seven years of industry experience. Her prior work includes roles at The Music Center and the University of California Los Angeles. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and utilizes multi-asset model portfolios supported by research from Schwab Center for Financial Research.

Brian Lucewicz is a financial advisor at Morgan Stanley with 30 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank, National Association since 2015, Morgan Stanley Smith Barney since 2009, and Citigroup Global Markets since 2001. He is based in Carlsbad, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs, including tailored financial planning, and manages approximately $2.74 trillion in client assets.