Elena Navedo Alvarez is a financial advisor with Merrill, holding Series 66 and Series 63 licenses and bringing five years of industry experience. Her prior roles include positions at Bank of America, J.P. Morgan Securities, JPMorgan Chase Bank, and Caixabank S.A. Merrill provides managed account services to Bank of America fiduciary clients through its Select Portfolio Solutions program, offering model-based and discretionary investment strategies to a broad client base including individuals, high-net-worth clients, and institutional investors.

Faith Much is a Series 66-licensed financial advisor with Edward Jones, based in Valley Center, CA, where she has worked since 2015. She has 10 years of industry experience. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

John Choi is a financial advisor at Fidelity with 16 years of industry experience. He holds Series 63 and Series 66 designations and has worked previously at LPL Financial and East West Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction using proprietary research combined with quantitative and algorithmic methods. The firm also serves as a registered commodity pool operator and advises multiple registered investment companies.

Benjamin Duckett 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 2012 and has worked at Morgan Stanley Private Bank, N.A. since 2015. Additionally, he has service experience with the Department of Defense dating back to 2010. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that serves both individual and institutional clients, managing approximately $2.74 trillion in client assets. The firm offers tailored financial planning and a wide array of advisory programs supported by structured planning tools and investment research.

Michael Killeen is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 credentials and 41 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and with Morgan Stanley Smith Barney since 2009, having begun his career at Citigroup Global Markets in 1993. 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 methodologies. The firm manages approximately $2.74 trillion in client assets and offers services that include both direct client relationships and corporate financial planning agreements.

Richard Hachigian is a financial advisor with LPL Financial in Carlsbad, CA, holding a Series 66 designation and 11 years of industry experience. He previously worked at Edward Jones for seven years before joining LPL Financial in 2022. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs, financial planning, and brokerage services, providing both discretionary and non-discretionary management supported by model portfolios and research.

Christine Wale is a financial advisor with LPL Financial in Carlsbad, CA, holding a Series 66 designation and with 5 years of industry experience. She has been with LPL Financial since 2014 and also operates Wale Advisory Group Inc., a separate advisory business active for 25 years. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients, including high-net-worth individuals, retirement plans, banks, and charitable organizations. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Paul Wendee is the owner and Chief Investment Officer of Paul M. Wendee & Associates with 35 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Wendee has previously worked at firms including Entoro Capital, Exemplar Capital, and Silber Bennett Financial. He serves as an adjunct professor at California Baptist University and California State University Los Angeles and is the owner, editor, and publisher of the Intrinsic Value Wealth Report newsletter. Paul M. Wendee & Associates provides discretionary investment management primarily for pooled investment vehicles and institutional clients. The firm uses in-house analytical methods including security ratings and limited market timing and may engage sub-advisors to manage accounts.

Cynthia Tam is a CFP® with 23 years of industry experience, currently serving as the sole advisor at Native Finance Investment Advisory since 2013. She also has a background with Newport Coast Securities, where she has worked since 2012. In addition to her advisory role, Tam owns and operates businesses in tax preparation and insurance, and leads the Native Finance Institute, which focuses on compensation research and financial policy development for tribal governments. Native Finance Investment Advisory is an independent, single-advisor firm that provides financial products and services primarily focused on insurance brokerage and product facilitation. The firm emphasizes privacy and data practices and does not offer discretionary portfolio management or percentage-of-AUM fee arrangements, which influences its service and compensation structure.

Jonathan Moffat is a financial advisor with Aligned Advisors in Oceanside, CA, holding a Series 66 license and bringing 19 years of industry experience. He has been with Aligned Advisors since 2013 and also operates Moffat Financial and Insurance Services Corp, which he founded in 2004. Outside of advisory work, he serves as secretary and board member for Launch Dental, LLC, a dental practice operations management company, and is a partner at DSO CFO, LLC, which provides bookkeeping and payroll services to dental practices. Aligned Advisors offers financial planning, practice consulting, and coaching primarily to high-net-worth individuals and business clients such as dental service organizations. The firm provides flat-fee consulting, fractional CFO services, and management support, focusing on a non-custodial, consultative approach rather than traditional portfolio management.

Michael Belgard is a financial advisor at Aligned Advisors with Series 63 and Series 65 licenses and 10 years of industry experience. Prior to joining Aligned Advisors, he worked in property management, credit services, and auto sales. Outside of finance, he directs plays for small community theater companies. Aligned Advisors provides financial planning and consulting services primarily to high-net-worth individuals and business clients such as dental service organizations. The firm focuses on flat-fee consulting, fractional CFO services, and management support, operating in a consultative, non-custodial capacity rather than managing client portfolios directly.