Brandon Cass is a financial advisor at Osaic with 21 years of industry experience. He holds a Series 66 designation and has worked previously at SagePoint Financial, D.A. Davidson & Co., and Crowell, Weedon & Co. He is also the president and founder of Intrepid Wealth Management, where he manages his existing client base and recruits financial advisors. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services across multiple programs, emphasizing model-based asset allocation and portfolio optimization supported by technology and risk-management tools.

Ronald Scherdorf is a financial advisor at Charles Schwab with 24 years of industry experience and holds a Series 66 designation. He has been with Charles Schwab since 2002 and has worked concurrently at Charles Schwab Bank since 2005. Outside of his advisory role, he owns a single-family rental property. 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 both non-discretionary and discretionary investment management with a multi-asset model portfolio approach and centralized custody and operational support.

Hunter Trusty is a Series 66 licensed financial advisor with three years of industry experience. He is currently with J.P. Morgan Securities and has prior experience at Charles Schwab. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and incorporates a broader range of regulatory registrations and derivatives capabilities than many institutional programs.

Serena Kim is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and 12 years of industry experience. Her prior experience includes roles at SRK Consulting Services, Dickerson, Word & Brown Health, the CA Health Benefit Exchange, and Prudential Insurance Company of America. She is also the owner of SRK Consulting Services, a marketing and business administrative consulting firm. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable organizations. The firm employs a model-driven investment approach using portfolios developed internally and by third-party strategists, and offers financial planning, access to asset managers, and insurance product facilitation through affiliated entities.

Erik Tappin is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His career includes roles at Citigroup Global Markets from 1996 to 2009, followed by positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and methodologies like Monte Carlo simulations as part of its financial planning process.

Rachel Currington is a CFP® professional with nine years of industry experience, all with Edward Jones. She is based in Escondido, CA and has been with Edward Jones since 2015. Outside of advisory work, she owns a graphic design hobby business called Doodleoo, which provides custom items to schools and non-profits. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a broad range of advisory services supported by a large network of financial advisors and branch offices nationwide.

Theodore Hageman is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at LPL Financial for 12 years and has been with Morgan Stanley Smith Barney LLC since 2019. 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 and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee.

Thomas Stout is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 credentials and 19 years of industry experience. His prior experience includes roles at Navy Federal Brokerage Services, California Credit Union, and Comerica Securities. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides annual retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Mark Kohn is a financial advisor with LPL Financial based in Carlsbad, CA, holding a Series 63 designation and over 34 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 1997. Outside of investment advising, he is involved in non-variable insurance through Kohn Wealth Management and as an insurance agent. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and participant-level retirement advice, supported by technology tools and a broad network of over 22,800 advisors.

Glori Crumpley is a financial advisor with Ameriprise in Fallbrook, CA, holding Series 63 and Series 66 credentials and 23 years of industry experience. Her prior roles include positions at Davies Financial Advisors, Optivest, Inc., and Gramercy Securities, Inc. She also owns Crumpley Consulting Services LLC, a business offering consulting, bookkeeping, and notary services. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides annual retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Victor Koby is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 66 designations and bringing 42 years of industry experience. His prior work includes tenures at Ameriprise Financial Services and Wells Fargo Clearing. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Steve Statzer is a financial advisor with LPL Financial based in Carlsbad, CA, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. His prior firms include Terramar Wealth, Commonwealth Financial Network, OSAIC, and Sagepoint Financial, where he spent 15 years. He is also co-owner of the Statzer Revocable Living Trust, which is involved in managing residential real estate in Big Bear City, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a broad range of services including financial planning, model portfolio programs, third-party asset management access, and institutional platforms, supported by a large network of investment adviser representatives and a variety of investment strategies.

William Roche is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2022, following six years at TD Ameritrade. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a broad range of integrated custody, brokerage, and advisory services.

Joseph De Falco is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He previously worked at Ameriprise Financial Services for 11 years before joining Wells Fargo in 2020. Outside of his advisory role, he is the majority owner of DKM Enterprises, LLC, an investment-related business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Stephen Rohde is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 designations and has previously worked at Ameriprise Financial Services, Southwest Securities Inc., Hilltop Securities Inc., STIFEL, Crowell, Weedon & Co., and A.G. Edwards & Sons, Inc. Outside of his advisory work, he is involved in real estate rental activities in Fallbrook, California. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive operational tools and a broad network of investment adviser representatives.

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 with J.P. Morgan Securities and JPMorgan Chase Bank since 2008. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes an ESG eligibility framework in its recommendations.

Norma Arroyo Bravo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 10 years of industry experience. She has been with J.P. Morgan Chase Securities LLC and JP Morgan Chase Bank since 2016. Outside of her advisory role, she is a partner and owner of Bucked Up, a business focused on promoting dietary and athletic nutrition products through social media platforms. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates systematic quantitative and qualitative research and includes broader derivatives and commodities capabilities.

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.

Colton Meskell is a financial advisor at Edward Jones with a Series 66 credential and one year of industry experience. Prior to joining Edward Jones, he worked at Northrop Grumman for four years. 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, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, supported by a nationwide network of financial advisors and branch offices.