Bruce Bandemer is a financial advisor with Equitable Advisors in Carlsbad, CA, holding a Series 66 designation and 27 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 2005 and has operated his own accountancy corporation since 1988. Bandemer serves on the board of the Carlsbad Rotary Foundation and is president of the Bressi Ranch Home Owners Association. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a diverse client base including individuals, pension plans, corporations, and charitable organizations. The firm employs a range of advisory models delivered through third-party sponsors and in-house programs, offering access to mutual funds, ETFs, separately managed accounts, and select alternative investments.

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 10 years of industry experience. She holds Series 63 and Series 66 registrations and has been with J.P. Morgan Chase Securities LLC since 2016. Outside of her advisory work, she is a partner in Bucked Up, a business focused on promoting dietary and athletic nutrition products through social media platforms. 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 in its recommendations.

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 over 30 years of industry experience. She has worked at LPL Financial since 2014, following roles at Stratos Wealth Partners, Wells Fargo Clearing, Wells Fargo Investments, and Banc of America Investment Services. LPL Financial is a national broker‑dealer and SEC‑registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions, offering a range of advisory and brokerage services including financial planning and model portfolio programs.

Ben Bresnahan is a financial advisor with J.P. Morgan Securities who holds Series 63, 65, and 66 licenses and has 20 years of industry experience. His career includes roles at Merrill and Banc of America Investment Services before joining J.P. Morgan in 2013. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Gerald Brown is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and over 12 years of industry experience. He has worked with various divisions of JPMorgan Chase since 2009. Outside of his advisory role, he is involved in selling sports memorabilia through an e-commerce platform. 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. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage and investment management capabilities.

Lauren Peck is a financial advisor with J.P. Morgan Securities, holding a Series 66 credential and 13 years of industry experience. She has worked at JPMorgan Chase Bank and JP Morgan Securities since 2016 and previously held positions at TD Ameritrade and Edward Jones. Outside of her advisory role, she manages her own short-term rental property on Airbnb. J.P. Morgan Securities 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.

Alan Willenbrock is a CFA® charterholder with 23 years of industry experience, currently serving as a financial advisor at Ameriprise since 2019. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside his advisory work, he serves on an advisory committee for UA Venture Capital Find III, which involves reviewing valuations and fairness of fund acquisitions. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

David Delino is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 13 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a broad range of brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Mohammad Ali is a Series 66–licensed financial advisor at Edward Jones with seven years of industry experience. He previously worked at Bank of America and Merrill Lynch from 2015 to 2024. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, access to separately managed accounts, and affiliated mutual funds, and operates under a fiduciary standard.

Ann Reagan is a financial advisor at Cetera with 13 years of industry experience and holds the Series 66 designation. She has worked at several firms including Avantax and Landmark Financial Management, where she also serves in an administrative capacity. Reagan is additionally involved with Monheit Frisch Group PLC as an assistant. Cetera Investment Advisers LLC is an SEC-registered firm that serves a wide range of clients including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers multiple portfolio management options through a multi-manager platform and supports diverse investment strategies with discretionary and non-discretionary authorities.

Andrea Ashbacher is a financial advisor with Osaic Wealth, Inc. She holds Series 63 and Series 65 licenses and has 30 years of industry experience. Her prior work includes 14 years at SagePoint Financial, Inc. She also operates a corporate investment advisory service and provides insurance recommendations related to life, health, and fixed annuities. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services alongside financial planning and retirement consulting. The firm employs asset-allocation tools and risk-tolerance assessments to construct portfolios across various asset classes and supports both discretionary and non-discretionary account management.

Ara Hunt is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and seven years of experience primarily with Wells Fargo since 2019. Prior to joining Wells Fargo, Hunt worked in the hospitality industry with Hilton Hotels and DoubleTree By Hilton. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from internal and third-party sources.

David Simpson is a financial advisor with LPL Financial based in San Marcos, CA, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His prior work includes positions at National Planning Corporation and Pacific Financial Group. Outside of his advisory role, Simpson serves as CEO and owner of Pacific Tax & Financial Group and is president of the Park Place South Maintenance Association board. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset management, supported by technology tools and a broad platform of non-advisory financial activities.

James Bohm is a financial advisor with Charles Schwab in Carlsbad, California, holding a Series 66 designation and 17 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2008. 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Evan Hennessy is a financial advisor with Ameriprise in Carlsbad, CA, holding Series 63 and Series 66 licenses and over 42 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc for 14 years before joining Ameriprise. He is also the owner of Hennessy Hedge Holdings LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies and ongoing advice.

Utkarsh Vasa is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and 13 years of industry experience. He has been with Morgan Stanley since 2016 and concurrently associated with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he shares ownership of a residential property with family. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by proprietary tools.

Asako Okuma is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and with two years of industry experience. She has been with LPL Financial since 2023 and previously worked independently for nine years. Outside of her advisory role, she works as an online English tutor for Japanese students and provides translation services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and portfolio management options, including third-party asset management and institutional platforms, supported by technology tools for operational and research purposes.