Philip Alabi is a financial advisor with Primerica Advisors in Carlsbad, CA, holding Series 63 and Series 65 licenses and one year of industry experience. Prior to his current role, he worked at Vividion Therapeutics and has academic tenure at the University of California San Francisco, Brown University, and Southern Illinois University Edwardsville. Primerica Advisors sponsors and manages a wrap-fee asset management program serving individual, corporate, and charitable clients. The firm operates at scale with approximately 3,948 advisors and $15.5 billion in assets under management, delivering advisory services primarily through model-based portfolio strategies.

Paul Sanit is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. He is part of the HS Legacy Group, a team with over 100 years of combined financial services industry experience dedicated to providing holistic wealth management planning services to affluent families. Paul has over 40 years of industry experience and began his career in 1981 with EF Hutton's Personal Financial Planning division advising high net worth clients. Paul holds a Bachelor's Degree in Finance from Hofstra University and has earned the Certified Plan Fiduciary Advisor® (CPFA®) designation from the National Association of Plan Advisors. As a qualified Portfolio Manager, he can construct and manage personalized investment strategies that may incorporate individual securities, Merrill Lynch model portfolios, and third-party investment managers. Paul guides clients through various financial areas including portfolio management, retirement planning, legacy planning, and socially responsible investing. Residing in San Diego for over 30 years, Paul enjoys biking, cooking, golfing, traveling, and yoga in his personal time. He emphasizes understanding clients' life priorities and collaborates to create personalized plans aligned with their families, goals, and aspirations.

Chris Rager is a financial advisor at Morgan Stanley with 36 years of industry experience. He holds Series 63 and Series 65 designations. His work history includes roles at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Citigroup Global Markets. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a wide range of advisory programs and tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and modeling techniques.

John Taylor is a financial advisor at LPL Financial in Encinitas, CA, holding Series 65 and Series 66 designations with two years of industry experience. His prior work includes periods at LPL Financial and HSBC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a nationwide network. The firm provides a range of advisory programs, financial planning, retirement consulting, and brokerage services utilizing model portfolios, third-party research, and technology-driven investment strategies.

Michael Terry is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 credentials and 32 years of industry experience. He previously worked at Morgan Stanley and Morgan Stanley Private Bank in various roles from 2011 to 2023. Terry is a passive owner of an investment-related business called 3 Fruit in the Box based in Oceanside, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advice. The firm’s advisory approach is based on investment policy statements and modern portfolio theory, and it includes a broader range of financial products such as insurance-related vehicles and bank deposit sweep options.

Christopher Melton is a CFP® with 44 years of experience in the financial services industry. He is affiliated with Raymond James Financial and is the owner of Melton Wealth Management, LLC, which he established in 2018. His career includes roles at Wells Fargo Clearing Services and Concurrent Advisors. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, institutions, and charitable organizations. The firm employs tailored, non-discretionary planning and advanced analytical tools to support client goals and offers specialized programs such as municipal advisory services and SIMPLE IRA Employer Advisory & Consulting Services.

Aleksandra Drake is a financial advisor with Merrill, holding a Series 66 designation and 11 years of industry experience. She has worked at Merrill and Bank of America since 2017 and previously spent two years with JPMorgan Securities LLC and JPMorgan Chase Bank. 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 model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Patricia Pavin is a financial advisor at Merrill with 16 years of experience at the firm and nine years in the industry. She holds the Series 66 designation and is based in Rancho Santa Fe, California. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary strategies developed by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jaime Bueno is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has been with Morgan Stanley since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients, including customized financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and provides services through various channels, including corporate financial planning agreements.

Jeffrey Ardantz is a financial advisor with Raymond James & Associates in Carlsbad, CA, holding Series 65, 66, and 63 registrations and bringing 24 years of industry experience. Prior to joining Raymond James in 2016, he worked at Morgan Stanley and Morgan Stanley Private Bank. Outside of advising, he is involved in an agriculture and farming business, Henri P Ardantz LLC. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutional clients, pension and profit-sharing plans, and charitable and governmental entities. The firm offers tailored, primarily non-discretionary financial planning and investment consulting, supported by a broad range of portfolio management styles, firm research, and affiliated sub-advisers.

Robert Kearney is a financial advisor at Morgan Stanley with two years of industry experience. He holds the Series 66 designation and has previously worked at Cetera Wealth Services, ClearPoint Neuro, IRRAS USA, and Philips. 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 planning supported by firm-approved tools and methodologies.

Bradley Secord is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and bringing 26 years of industry experience. He has worked with Wells Fargo Advisors LLC and Wells Fargo Clearing since 2009. Outside of his advisory role, he serves on the board and finance committee of the John M Scott Health Care Commission and is involved in a music production business. 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 services. The firm’s process is IPS-driven and incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Paul Kennedy is a financial advisor at Cetera with a Series 66 designation and one year of industry experience. He previously served in the U.S. Navy from 2016 to 2024 before entering the financial services sector. He provides investment advice and wealth management services through Forrest Investment Services. Cetera Investment Advisers LLC serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers multiple portfolio management options with discretionary and non-discretionary authorities, supported by a large network of independent advisors and a variety of affiliated and third-party investment resources.

Kristin Dornbusch is a Series 66-licensed financial advisor with Merrill in Rancho Santa Fe, CA, where she has worked since 2009, accumulating 17 years of industry experience. 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 a range of model-based and discretionary investment strategies supported by internal Chief Investment Office teams and third-party managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mered Oren is a financial advisor at Stifel with 39 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Stifel Nicolaus & Co Inc since 2011. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services such as fee-based financial planning and wrap programs. 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 guide asset allocation and planning decisions.

Anthony Falaro is a financial advisor at Fisher Investments with 14 years of industry experience. He holds a Series 66 license and has been with Fisher Investments since 2014. Outside of his advisory role, he is a manager and member of THE VISTA COLLECTION LLC, a short-term rental accommodations business. Fisher Investments serves a global mix of institutional and private clients, providing discretionary portfolio management across equity, fixed-income, and blended mandates. The firm employs a centralized Investment Policy Committee that integrates quantitative and qualitative research to construct globally diversified portfolios and utilizes tax-aware and defensive strategies to manage risk.

William Bishoff is a financial advisor with Osaic Wealth, Inc., holding CFP® and ChFC® designations and over 30 years of industry experience. Prior to joining Osaic in 2025, he spent a decade with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. He is also involved in multiple business ventures, including serving as president and CEO of Bishoff Financial Group, which encompasses financial planning and advisory services. Osaic Wealth, Inc. serves a diverse client base that includes retail and institutional investors, offering integrated brokerage, advisory services, financial planning, and access to a wide range of investment platforms and third-party money managers. The firm employs advanced portfolio construction tools and supports both discretionary and non-discretionary account management.

Russell Jacobs is a financial advisor with Ameriprise in Fallbrook, CA, holding a Series 66 designation and 18 years of industry experience. He worked at Edward Jones from 2007 to 2018 before joining Ameriprise Financial Advisors Inc., where he served from 2018 to 2020, and then Ameriprise from 2020 to the present. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to provide non-discretionary, written recommendations tailored to client needs, supported by a centralized consulting team and algorithmic processes overseen by a Retirement Income Oversight Committee.

David Massey is a Senior Resident Director specializing in short-term liquidity strategies for corporations and institutions. He currently serves in Merrill’s Rancho Santa Fe office, where he focuses on corporate executive services, institutional investment consulting, and liquidity management. David has 15 years of experience in the financial services industry. He began his career as a Client Associate at Merrill Lynch Wealth Management in La Jolla. He then spent eight years as a partner in UBS’s Corporate and Institutional Services Group before forming his own Corporate Cash Management team at Smith Barney. During his tenure as a Corporate Client Group Director at Smith Barney, he was recognized on On Wall Street’s “Top 40 Advisors Under 40” list, ranking 17th in 2009 and 8th in 2010. David joined Merrill’s Carlsbad office as a Senior Vice President in 2011 and was promoted to Resident Director in 2013. David holds a bachelor’s degree from Wheaton College, where he also played football. He resides in Rancho Santa Fe, California, with his wife Denise and their two sons. Outside of work, he enjoys camping, weight lifting, coaching his son’s flag football team, and spending time with his family.

John Jacobson is a financial advisor at OSAIC with 36 years of industry experience. He holds the ChFC® designation and Series 63 and Series 66 licenses. His prior work includes positions at Sagepoint Financial, Wealth Preservation Group, and LPL Financial. Additionally, he operates a sole proprietorship as a life insurance agent. OSAIC serves a wide range of clients, including individual, high-net-worth, institutional, and corporate investors. The firm provides integrated brokerage and advisory services, using asset-allocation tools and third-party platforms to construct portfolios across various asset classes.