Hamasseh Pourhamzeh is a financial advisor at Fidelity with six years of industry experience. He holds Series 63 and Series 66 licenses and has worked at firms including The Vanguard Group and Instawork. Outside of finance, he sells secondhand clothing on Poshmark. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients through discretionary portfolio management, fund advisory, and model portfolio delivery, using a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction.

Henry De Matteis III is a CFP® professional with seven years of industry experience, currently serving as a financial advisor at Edward Jones since 2018. Prior to joining Edward Jones, he worked in roles at Uber Eats and U Want Tickets dba Elmhurst Entertainment. Edward Jones is a full-service wealth management firm serving millions of individual and institutional clients with a range of advisory programs, managed solutions, and affiliated investment offerings supported by a nationwide network of over 23,000 financial advisors.

Michael Sperlinga is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and 65 licenses and bringing 31 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and scenario modeling.

Natalie Slemp is a financial advisor at Edward Jones with two years of industry experience. She holds a Series 66 designation and has worked at Edward Jones since 2023. Her prior roles include positions at Benn Digital, 180Commerce, CPC Strategy, and USAopoly. Edward Jones is a full-service wealth management firm serving individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of discretionary and non-discretionary investment strategies and provides affiliated mutual funds, overlay and tax-efficient services, and operates under a fiduciary standard.

Liam Reid is a Series 66-credentialed financial advisor with Charles Schwab in Carlsbad, CA, and has one year of industry experience. Prior to joining Charles Schwab & Co., Inc. and Charles Schwab Bank, he worked in education and held roles at Troon Golf and Pristine Auction. Charles Schwab & Co., Inc. serves a large client base of 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 and offers a multi-asset investment approach supported by research from its Schwab Center for Financial Research.

Nga Ying Chan is a financial advisor with Wells Fargo Clearing in Carlsbad, CA, holding Series 63 and Series 66 credentials and 11 years of industry experience. She has been with Wells Fargo Clearing since 2016, including a prior role at Wells Fargo Advisors, LLC. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting, utilizing research from Wells Fargo Investment Institute and external sources while providing both brokerage and advisory solutions.

Timothy Cole is a financial advisor with LPL Financial, holding a Series 66 credential and based in Carlsbad, CA. He has prior experience at Fidelity Investments and a background in the medical device industry with NuVasive and DePuy Synthes J&J. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, 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, utilizing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Edward Rodriguez is a financial advisor at Raymond James & Associates in Carlsbad, CA, holding Series 63 and Series 65 licenses with 26 years of industry experience. He previously worked at Raymond James Financial Services, Inc. for 19 years before joining his current firm. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser with over $500 billion in assets under management and more than 5,400 financial advisors. The firm provides wealth advisory planning and investment consulting to a broad client base, including individuals, institutions, and government entities, delivering advice through a non-discretionary, client-directed approach.

Mauro Ciarmoli is a financial advisor with Fidelity Investments in San Marcos, CA, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. His prior work includes 17 years at LPL Financial, LLC before joining Fidelity. He is also the owner of MCC Discovery, LLC, an LLC registered for tax and business purposes. Mauro is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to both retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios from a broad universe of mutual funds, ETFs, and ETPs.

Erik Simmons is a financial advisor with Ameriprise who holds a Series 63 designation and has 30 years of industry experience. Prior to joining Ameriprise, he worked at Axxcess Wealth Management LLC and Arete Wealth Management LLC for eight years. He is based in Carlsbad, CA. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its advisory approach and delivers services through a centralized retirement-income consulting team.

Jon Paul Witkop is a financial advisor with Raymond James & Associates in Carlsbad, CA, holding Series 65 and Series 63 licenses and bringing 10 years of industry experience. His prior experience includes roles at LPL Financial and Algonquin Advisors. Outside of his advisory work, he serves as an assistant coach for the U18 San Diego Saints Hockey team. Raymond James & Associates, Inc. is a dually registered broker-dealer and SEC-registered investment adviser managing over $500 billion in assets. The firm provides wealth advisory planning and investment consulting to a broad client base, including individuals, institutions, and government entities, delivering non-discretionary advice supported by extensive research and a network of affiliated financial services.

Carlos Caceres Jr. is a financial advisor with Raymond James Financial, holding a Series 63 designation and bringing 32 years of industry experience. He has been with Raymond James Financial Services Advisors and Raymond James Financial Services, Inc. since 2019 and previously worked at CUSO Financial Services, LP. Outside of his advisory role, he serves as an acting trustee for a family-related business. Raymond James Financial Services Advisors, Inc. serves a diverse client base including individual investors, high-net-worth and non-high-net-worth clients, pension and profit-sharing plans, charitable organizations, corporations, and public entities. The firm provides financial planning and non-discretionary investment consulting through various programs and emphasizes advisory and implementation support rather than discretionary management.

Brian Johnson is a financial advisor at Edward Jones with a Series 66 designation and 10 years of industry experience. His prior roles include positions at Bank of America, Snow Capped Peaks Mortgage, and Bbva Wealth Solutions Inc. He is based in Escondido, California. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and a securities-based lending option.

Yvonne Good is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and 4 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2008. 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 modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers diversified retail and institutional investment solutions.

Mark Lucia is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His prior career includes roles at Citigroup Global Markets since 1993 and Morgan Stanley Smith Barney since 2009, with his current tenure at Morgan Stanley Private Bank beginning in 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a wide range of advisory programs. The firm emphasizes structured financial planning and manages approximately $2.74 trillion in client assets.

Gregory Flynn is a financial advisor at Wells Fargo Clearing with 42 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Clearing since 2016, following seven years at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s approach is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment offerings.

Kendra Williams is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and one year of industry experience. She has worked at Primerica Financial Services since 2023 and has held various roles, including positions at Mount San Jacinto College and Nordstrom. Primerica Advisors is a large institutional firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program with model-based investment strategies managed by unaffiliated asset managers.

Christopher Wells is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Commonwealth Financial Network for seven years before joining LPL Financial in 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research and model portfolios from LPL Research and third-party providers.

Dale Maas is a Series 66 licensed financial advisor with Edward Jones, based in Oceanside, CA, and has 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, he is involved as a manager in real estate investment ventures, including a partnership focused on property development in Florida. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Somsack Sayvong is a financial advisor at Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 designations with 12 years of industry experience. He previously worked at First Allied Securities, Inc. for 21 years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a range of advisory programs to individuals and institutional clients, with a financial planning process that employs structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and offers services including tailored financial and estate planning.