Thomas Vieira is a financial advisor at OSAIC with 32 years of industry experience. He previously worked at Lincoln Financial Advisors Corporation for 21 years before joining OSAIC in 2025. Vieira holds Series 63 and Series 65 credentials and serves as a co-trustee for his parents' revocable trusts. He is also involved in offering various insurance products and managing a 401(k) plan for his employees. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through an extensive network of advisors. The firm provides brokerage and advisory services with access to multiple investment platforms, utilizing asset-allocation tools and third-party manager solutions to construct tailored portfolios.

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.

Steven Adkinson is a Managing Director and Private Wealth Manager at Merrill Private Wealth Management, based in La Jolla, California. He advises ultra-affluent individuals, families, and foundations, providing personalized wealth management strategies that align with clients' long-term financial goals. Steven's approach includes creating flexible financial strategies that adapt to changing market conditions, leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. Steven joined Merrill in 2008 after serving as a Senior Vice President at Morgan Stanley from 2000 to 2008. His expertise includes corporate benefits, corporate executive services, employee benefits planning, managing new wealth, and personal retirement planning. He holds a Bachelor's Degree from the University of California at Santa Barbara and carries the Personal Investment Advisor (PIA) designation. Beyond his professional work, Steven is actively involved in his community, serving as a board member for the Free Wheelchair Mission and Operation Homefront. In his personal time, he enjoys golfing, practicing yoga, and spending time with his family.

Michele Martinez is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2018, also working at JPMorgan Chase Bank, N.A. since 2014. Martinez previously had involvement with Prepkitchen La Jolla, LLC. 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. The firm combines institutional advisory services with brokerage and investment management capabilities, delivering recommendations through a non-discretionary program supported by centralized due diligence and ESG eligibility processes.

Daniel Petrangelo is a financial advisor at Merrill in San Diego, CA, holding a Series 66 designation with six years at Merrill and four years previously at Wells Fargo Bank. He has three years of industry experience in total. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Jose Cuevas is a financial advisor at Raymond James & Associates with seven years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including Charles Schwab, TD Ameritrade, and Wells Fargo. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning and investment consulting through a range of portfolio management styles and affiliated research.

Ramsey Israwi is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with Thrivent Financial and its investment management arm since 2015. Israwi serves as a member of the Board of Trustees at Concordia University Irvine, providing an outsider’s perspective on university initiatives. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based analyses and written recommendations across a broad range of financial topics. The firm’s approach separates planning from managed-account services and does not provide discretionary portfolio management for institutional clients.

Noah Mc Kemy is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 designation and one year of industry experience. Prior to joining Edward Jones, he worked at California Bank and Trust for three years and has experience in various roles including at Chick-fil-A and UPS. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment options supported by a large network of advisors and branches across the U.S.

Jason Wang is a financial advisor at J.P. Morgan Securities with 16 years of industry experience. He holds Series 66 and Series 63 designations and has been with J.P. Morgan Securities since 2012 and JPMorgan Chase Bank, N.A. since 2010. J.P. Morgan Securities 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 in its recommendations.

Preston Schumacher is a CFP® and ChFC® with 21 years of industry experience, currently affiliated with LPL Financial in San Diego, CA. He has worked at LPL Financial since 2020 and concurrently with Lucia Securities, LLC and Lucia Capital Group since 2010. 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 advisory programs, financial planning, and retirement plan consulting, supported by research and model portfolios.

Thomas Seidel is a financial advisor at Morgan Stanley based in San Diego, CA, holding Series 63 and Series 65 licenses with 43 years of industry experience. He has worked with Morgan Stanley and its affiliates since 2007, including roles at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association. 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 and tailored financial planning services, managing approximately $2.74 trillion in client assets.

Katharine Downey is a financial advisor at Merrill with 22 years of industry experience. She holds a Series 66 designation and has been with Merrill since 2009. 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 (SPS) Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using a range of model-based and discretionary investment strategies.

Michael Schmitz is a financial advisor with Edward Jones in San Marcos, CA, holding a Series 66 designation and two years of industry experience. Prior to joining Edward Jones in 2026, he worked at Yorkshire Wealth Management for one year and has held positions at FedEx Express, Kaiser Permanente, and TechniArt. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a wide range of advisory programs and investment solutions, supported by a large network of financial advisors and branch offices nationwide.

Phillip Kaplan is a financial advisor at J.P. Morgan Securities with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has been with J.P. Morgan Securities since 2012. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with additional brokerage and investment management capabilities.

Arthur Shooter is a financial advisor with Wells Fargo Advisors, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. He has been with Wells Fargo Advisors Financial Network LLC since 2009. Outside of his role at Wells Fargo, he owns Kelley Shooter Financial Services and serves as trustee of the FINET 401K Plan. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by offering a broad range of investment and financial planning services. The firm’s approach includes tailored recommendations supported by proprietary research and planning tools, with optional implementation through various brokerage and advisory programs.

Angela Alldredge is a financial advisor with Morgan Stanley, holding Series 63 and Series 66 licenses and having 28 years of industry experience. She previously worked at CitiGroup, Bank of America, and Merrill. Outside of her advisory role, she manages a rental property through a family trust. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques.

Tiffany Saxon Sandoval is a financial advisor with Wells Fargo Clearing, holding the ChFC® designation and Series 63, 65, and 66 licenses. She has 15 years of industry experience, including prior roles at Bank of America and Merrill. Outside of finance, she owns and operates a dog handling business focused on show dog grooming and transportation. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions grounded in an IPS-driven, modern portfolio theory approach.

Walter Bowser II is a CFP® professional with 18 years of experience in the financial industry. He has been with Edward Jones Investments since 2007. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Tiy Oneal is a financial advisor with LPL Financial in San Diego, CA, holding a Series 63 designation and 33 years of industry experience. Prior to joining LPL Financial in 2020, Tiy worked at Lucia Securities, LLC for five years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including 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, with investment options supported by research from both internal and third-party sources.

David Lu is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 27 years of industry experience. He previously worked at Morgan Stanley & Co Inc for 10 years before joining Wells Fargo Clearing in 2019. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment services grounded in modern portfolio theory. The firm’s advisory process is IPS-driven and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.