Christopher Pennington is a financial advisor with UBS Financial Services in San Diego, holding a Series 66 designation and 25 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he is registered as an officer of Pennington's Inc. Auto Sales and Leasing, a family-owned business, and is involved as a partner and decision-maker in real estate investments through PMR Holdings LLC. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets services through a large network of financial advisors.

Kevin Bowcock is a CFP® professional with 13 years of industry experience, currently with Stifel since 2019. His prior roles include positions at Wells Fargo Advisors, LLC and Wells Fargo Clearing. He serves as a board member of the Escondido East Rotary. Stifel provides brokerage and investment advisory services to a diverse client base that includes individuals, institutions, and charitable organizations. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to offer asset allocation and planning analyses, supporting client decisions across a variety of financial areas.

Eben Kohn is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation. He joined Edward Jones in 2025 after four years at Guidepoint and prior roles in academia and public service, including positions at the Institute of Transportation Studies at UC Davis and CalSTRS. Edward Jones is a full-service wealth management firm serving individual and institutional clients with over $1 trillion in assets under management. The firm offers a range of advisory strategies and affiliated investment products, supported by a nationwide network of more than 23,700 financial advisors.

Monique Herrera Chalker is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. She previously worked at Lucia Securities for eight years before joining LPL Financial in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory services, providing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Kim Shoesmith is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 credentials and 23 years of industry experience. She has been with Edward Jones since 2002. Outside of her advisory role, she performs with the band One Day Closer. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including managed solutions and separately managed accounts, and maintains a broad advisor and branch network across the United States.

Jennifer Perkinson is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management, where she is a senior partner with the VCMPT Group. This 16-member team serves a select clientele including families, corporate executives, and entrepreneurs, providing asset management and financial guidance. The group collaborates with Bank of America to offer clients banking and lending solutions alongside customized wealth planning services. Jennifer began her advisory career in 1996 and joined Merrill Lynch in 2006. She holds a Bachelor of Science degree in Biology from BJU and has earned multiple professional certifications, including CFP®, CIMA®, CPWA®, and PIA. Additionally, she has completed executive education at Wharton, Yale School of Management, and Chicago Booth School of Business. Her expertise covers legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Residing in Encinitas with her husband and two sons, Jennifer is actively involved in philanthropy through both the team's donor-advised fund and her own efforts. She serves on Bank of America's LEAD for Women Board, volunteers with the Bank of America Community Volunteer Network and her sons' schools, and has previously served on the board of the Rancho Santa Fe Garden Club. Her personal interests include gardening, cooking, exercising, and travel.

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.

Lisa Pacheco is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role she has held since 2018. She works closely with women business owners, corporate executives, and individuals experiencing significant financial transitions such as retirement, divorce, career changes, or the loss of a spouse. Lisa specializes in creating customized wealth management, retirement, education, and investment strategies to help her clients preserve, manage, and grow their wealth over time. With over 20 years of experience in financial services, Lisa previously spent 14 years in corporate management and financial consulting. She holds the CERTIFIED FINANCIAL PLANNER® certification, the Certified Divorce Financial Analyst® (CDFA®) designation, and the Personal Investment Advisor (PIA) designation. Lisa earned a Bachelor of Science degree in Management Science from the University of California, San Diego, and an MBA from the University of California, Irvine's Paul Merage School of Business. Outside of her professional responsibilities, Lisa enjoys spending time with her family, attending her son’s soccer games, participating in women's business organizations, playing soccer, mountain biking, and traveling. She is also involved with community organizations such as Guide Dogs of the Desert, Paul Merage School of Business, and Poinsettia Elementary.

Thomas Stout is a financial advisor at Ameriprise with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Navy Federal Credit Union and affiliated brokerage and asset management firms. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations through a centralized consulting team.

Saba Solomon is a financial advisor at J.P. Morgan Securities with a Series 66 credential and one year of industry experience. Prior to joining J.P. Morgan, Solomon worked at UBS Financial Services, First Republic Bank, and Wells Fargo. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Ronald Thomas is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2013 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutions. The firm offers tailored financial planning services supported by structured discovery and advanced planning tools, managing approximately $2.74 trillion in client assets.

Huiling Zhang is a financial advisor at Morgan Stanley with a Series 66 credential and one year of experience at the firm. Prior to joining Morgan Stanley in 2025, Zhang was with Zenth View Inc for six years. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and firm-approved planning tools to support clients in developing and implementing financial plans.

Karim Gadalla is a financial advisor with Charles Schwab, holding Series 66 and Series 63 credentials and six years of industry experience. His work history includes roles at Charles Schwab since 2022, TD Ameritrade from 2020 to 2022, and other diverse positions outside the financial sector. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory models with access to affiliated discretionary separately managed accounts and provides a broad range of integrated advisory, brokerage, custody, and cash-sweep services.

Douglas Peart is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He has worked with Wells Fargo Advisors and Wells Fargo Clearing since 2009. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, retirement plan consulting, and brokerage solutions. The firm manages approximately $671 billion in assets and uses research and analytics to support investment decisions while offering a range of financial products through its bank and insurance affiliates.

Stephen Anderson is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 designations and 15 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2019 and previously worked at FSC Securities Corp from 2015 to 2019. Outside of his advisory role, Anderson is owner and president of Anderson Wealth Management Corp, a firm providing tax and legal liability services, and he is also an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals and uses a range of portfolio management strategies across multiple custody platforms.

Michael Steelman is a Wealth Management Advisor with over 25 years of experience in investing and wealth management. He works closely with business owners, company founders, senior executives, and their families to pursue their life goals through a purposeful approach to wealth, careers, and legacies. Michael provides oversight of his clients' financial affairs, helping them regain precious time to focus on their personal and professional priorities. He also contributes to investment selection and team oversight within his team and facilitates access to an integrated approach through wealth management, investment banking, commercial banking, and personal banking services at Bank of America. Michael began his career in New York City in 1994, focusing on financial strategies for institutional and high-net-worth individuals, families, and foundations. He also has experience raising capital for hedge fund and private equity firms. He holds the Certified Investment Management Analyst® designation awarded by the Investments & Wealth Institute™ in conjunction with the University of Pennsylvania’s Wharton School and earned a Bachelor's degree in International Business from King's College in Pennsylvania, where he was an Academic-All-American wrestler. He has received national recognition, including being named in Forbes' "Best-In-State Wealth Advisors" list in 2022. Within his community, Michael is a member of the CFO Roundtable and supports First Step House of North County and the Challenged Athletes Foundation. He and his wife Stephanie live in Carlsbad and have three sons and identical-twin daughters. In his free time, Michael enjoys running, surfing, practicing yoga, coaching his children's sports teams, and participates actively in the triathlon community as a two-time Ironman triathlon finisher through both racing and fundraising.

Ryan Locanto is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 26 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Based in San Diego, CA, he focuses on serving institutional clients. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Erin Johnson is a CFP®-certified financial advisor with 18 years of industry experience, currently affiliated with LPL Financial. Prior to joining LPL Financial, Erin worked at Agia and Valic Financial Advisors. Outside of advising, Erin is involved with GradePoint Insurance Group LLC, a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and nonprofits through a national network of representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and specialized services for institutional clients.

Kathy Petersen is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her career includes roles at Bank of America N.A., Merrill, Securities America, Inc., and KMS Financial Services, Inc. She is also involved in providing administrative, marketing, and business development support through Prosperity Wealth Management. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with both model-based and discretionary investment strategies.

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.