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 at J.P. Morgan Securities with 20 years of industry experience. He holds Series 63, Series 65, and Series 66 licenses and has worked at J.P. Morgan in various roles since 2013, as well as at Merrill and Banc of America Investment Services early in his career. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager selection, and customized performance reporting. The firm’s advisory process is supported by centralized due diligence combining quantitative and qualitative research, and it maintains broader derivatives and commodities capabilities relative to many institutional advisory programs.

Gerald Brown is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities LLC since 2013. Outside of his advisory role, he engages in e-commerce by selling sports memorabilia on eBay. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG eligibility criteria in its recommendations.

David Kempton is a financial advisor at LPL Financial with 15 years of industry experience. He holds Series 65 and Series 63 designations and has worked at firms including Commonwealth Financial Network, Terramar Wealth, and Catalina Capital Group. He also engages in fixed insurance sales as a secondary business activity. 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, leveraging model portfolios, third-party subadvisors, and customized strategies, supported by advanced operational tools.

Lauren Peck is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds the Series 66 designation and has been with JPMorgan Chase Bank and J.P. Morgan Securities since 2016. Prior to that, she worked at TD Ameritrade and Edward Jones. Outside of her advisory role, she manages a short-term rental property through Airbnb. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative screening and qualitative research to develop model asset allocations and includes capabilities in derivatives and commodities through various regulatory registrations.

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.

Paul Firth is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and possessing 34 years of industry experience. His prior roles include 21 years at Wedbush Securities Inc and six years at Prudential Equity Group, LLC. He is also associated with Firth Capital Partners, LLC, an entity related to his LPL business. 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, model portfolios, third-party asset management, and institutional platforms.

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, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. She previously worked at SagePoint Financial, Inc. for 14 years and has held roles at OSAIC Services, Inc. and Sunamerica Securities, Inc. Ashbacher is also engaged in selling life, health, disability, and long-term care insurance. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering a range of brokerage and advisory services. The firm utilizes model-based asset allocation and portfolio optimization tools and supports multiple advisory programs delivered through a complex network of affiliated entities.

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 in San Marcos, CA, holding Series 63 and Series 66 licenses and bringing 31 years of industry experience. He has previously worked at National Planning Corporation and Pacific Financial Group. Outside of advising, he serves as CEO and owner of Pacific Tax & Financial Group, a tax preparation and accounting business. 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, and institutional platforms, supported by technology tools and a large network of over 22,800 advisors.

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 based in Carlsbad, CA. She holds Series 65 and Series 63 licenses and has two years of industry experience. Prior to joining LPL Financial, she was self-employed for nine years. Outside of her advisory work, Okuma tutors Japanese students in English and performs translation work. 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 range of financial planning, portfolio management, and institutional services delivered through a large network of advisors using both proprietary and third-party investment strategies.

Lloyd Manzanilla is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Edward Jones since 2012. He holds the Series 66 designation and is based in Carlsbad, CA. Edward Jones is a full-service wealth management firm serving over 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 wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Tassia Taylor is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her career in the securities industry as a paralegal assisting in the litigation of securities and investment fraud cases on behalf of consumers. After 14 years as a client advocate at a local law firm, Tassia transitioned to financial planning, proactively helping clients achieve their retirement and financial goals. Her experience in the legal field provides her with insight to help clients overcome financial obstacles and identify potential pitfalls. In 2020, Tassia joined Merrill Lynch Wealth Management alongside her husband, Randy. Together, they provide a comprehensive wealth management experience that leverages both Randy's investment and planning expertise and Tassia's legal background. Tassia holds a Bachelor's Degree from Point Loma Nazarene University and the Personal Investment Advisor (PIA) designation. She is fluent in English and Portuguese. Tassia and her husband reside in North San Diego County with their children. They enjoy playing music together, traveling, serving at their local church, and spending time at the beach in their free time. Tassia emphasizes understanding clients' life priorities to create personalized financial plans aligned with their goals and aspirations.