Ronald Scherdorf is a financial advisor at Charles Schwab with 24 years of industry experience and holds a Series 66 designation. He has been with Charles Schwab since 2002 and has worked concurrently at Charles Schwab Bank since 2005. Outside of his advisory role, he owns a single-family rental property. 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 both non-discretionary and discretionary investment management with a multi-asset model portfolio approach and centralized custody and operational support.

Hunter Trusty is a financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. His prior roles include positions at Charles Schwab and APES Trading. 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 its Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Serena Kim is a financial advisor with LPL Enterprise holding Series 63 and Series 65 designations and 12 years of industry experience. She has worked at multiple firms including Prudential Insurance Company of America and SRK Consulting Services, where she also serves as a business owner specializing in marketing and business administrative consulting. Additionally, she owns several insurance-related businesses in Carlsbad, CA. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management. The firm’s integrated platform combines advisory programs with brokerage and insurance product sales and includes participation in collateralized lending programs.

Erik Tappin is a financial advisor at Morgan Stanley with 29 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Morgan Stanley Private Bank, National Association since 2015 and Morgan Stanley Smith Barney since 2009. Prior to that, he was with Citigroup Global Markets beginning in 1996. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and outcome modeling.

Rachel Currington is a CFP® professional with nine years of industry experience, all with Edward Jones. She is based in Escondido, CA and has been with Edward Jones since 2015. Outside of advisory work, she owns a graphic design hobby business called Doodleoo, which provides custom items to schools and non-profits. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a broad range of advisory services supported by a large network of financial advisors and branch offices nationwide.

Theodore Hageman is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at LPL Financial for 12 years and has been with Morgan Stanley Smith Barney LLC since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee.

Thomas Stout is a financial advisor at Ameriprise with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Navy Federal Credit Union and affiliated brokerage and asset management firms. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations through a centralized consulting team.

Mark Kohn is a financial advisor at LPL Financial with 34 years of industry experience. He holds a Series 63 designation and has worked at Linsco/Private Ledger Corp. since 1997. Outside of advisory work, he is involved in non-variable insurance through his own business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Glori Crumpley is a financial advisor with Ameriprise in Fallbrook, CA, holding Series 63 and Series 66 licenses and 22 years of industry experience. Her career includes roles at Davies Financial Advisors, Gramercy Securities, and other firms. Outside of her advisory work, she owns Crumpley Consulting Services LLC and GC Consulting, which provide consulting, bookkeeping, and notary services. Ameriprise offers a retirement-income planning service focused on clients approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to generate tailored, non-discretionary recommendations delivered through a centralized consulting team.

Victor Koby is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 10 years prior to joining LPL Financial in 2019. 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 advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research and model portfolios.

William Roche is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2022, following six years at TD Ameritrade. 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 offers a broad range of integrated custody, brokerage, and advisory services.

Joseph De Falco is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He previously worked at Ameriprise Financial Services for 11 years before joining Wells Fargo in 2020. Outside of his advisory role, he is the majority owner of DKM Enterprises, LLC, an investment-related business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Stephen Rohde is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at Ameriprise Financial Services and Southwest Securities. Outside of his advisory work, he has been involved in real estate rental ownership since 2012. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, and institutions. The firm offers various advisory programs, financial planning, and retirement consulting supported by model portfolios and research from multiple sources.

Bruce Bandemer is a financial advisor with Equitable Advisors in Carlsbad, CA, holding a Series 66 designation and over 26 years of industry experience. He has been with Equitable Advisors since 2005 and maintains a separate accounting practice through Bandemer Accountancy Corporation, where he serves as owner and president. Bandemer is also involved in community and local governance activities, including serving on the board of directors for the Carlsbad Rotary Foundation and as president of the Bressi Ranch Home Owners Association. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through third-party programs. The firm uses a hybrid referral and implementation model that incorporates multiple third-party asset managers and offers both advisory and brokerage services.

Valerie Arenas is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2008. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Norma Arroyo Bravo is a financial advisor at J.P. Morgan Securities with nine years of industry experience. She holds Series 63 and Series 66 licenses and has worked at JP Morgan Chase Securities and JP Morgan Chase Bank since 2016. Outside of her advisory role, she is an owner and partner of Bucked Up, a dietary and athletic nutrition business that she promotes through social media platforms. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through a non-discretionary advisory process.

Randy J. Taylor is a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management, where he has been a part of the firm for nine years within his 17-year career in financial services. He holds the Chartered Retirement Planning Counselor™ (CRPC) designation and serves as a founding member and one of three senior partners of the Merrill Lynch Wealth Management team, Taylor & Associates. Randy and his team provide clients with a comprehensive wealth management service model, emphasizing work ethic, dependability, trust, and accessibility. Randy works closely with business owners, senior executives, physicians, families, and beneficiaries of generational wealth, focusing on personalized wealth management strategies that are disciplined, purposeful, and tax efficient. His team's expertise covers personal financial planning, lending, business acquisitions, private business sales, custom lending, and business transitions with tax efficiency considerations. He also coordinates with clients’ external advisors such as estate planning attorneys and CPAs and offers access to additional services through Bank of America, including Investment Banking, Commercial Banking, and Personal Banking. Randy’s educational background includes a High School Diploma from Torrey Pines High School and attendance at Liberty University. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Outside of his professional life, Randy is a husband and father to three children. He enjoys fitness activities such as playing pickleball and surfing, as well as writing and performing original music. Traveling and making memories with his family are among his personal interests.

Hillary Clarke is a Financial Consultant at Fidelity Investments, a position she has held since 2022. In her role, she focuses on developing personalized financial strategies tailored to clients' risk tolerance, liquidity needs, and time horizons to support their unique life goals. Hillary holds a California Insurance License, which complements her financial consulting expertise. Outside of her professional work, she engages in personal interests such as gardening, tennis, traveling, and volunteering.

Hayley Higgins is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. She has worked with LPL Financial since 2014 and was previously affiliated with Stratos Wealth Partners, Ltd. Outside of her advisory roles, she has been involved in providing investment advisory services through Stratos Wealth Partners, an independent registered investment advisory firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, 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 portfolio management, supported by internal research and third-party subadvisors.

Ben Bresnahan is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63, 65, and 66 registrations and has worked at various J.P. Morgan entities since 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, offering asset-allocation advice, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.