Darren Poland is a Series 66-licensed financial advisor at LPL Financial with seven years of industry experience. Prior to joining LPL Financial in 2020, he held roles at Lucia Securities, VO Engineering, and Trinity Geotechnical Engineering. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Ian Lucas is a financial advisor with LPL Financial, holding a Series 65 designation and 18 years of industry experience. Prior to joining LPL Financial in 2024, he spent 13 years at Graham Investment Management, Inc. and has been involved with Vx Logistics LLC since 2020. 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 advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Ryan Wetsel is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined the firm in 2009 and specializes in assisting clients with commercial banking and financing strategies, managing concentrated stock positions, and navigating significant transition events such as retirement, inheritance, or the sale of a business. Before joining Merrill Lynch, Ryan gained experience working with Welfare Strategies in Adelaide, Australia, where he helped business owners establish corporate benefit programs. He also contributed to quality control and accounting standards efforts at the American Standard plant in China. Ryan holds a Bachelor of Science degree in Economics and Business from Westmont College in Santa Barbara. He has spent considerable time studying International Business across Europe, Asia, New Zealand, and South Africa. Ryan resides in Del Mar with his three children.

Scott Hemerick is a financial advisor at LPL Financial with 29 years of industry experience. His prior firms include Merrill, Fidelity, and Citigroup Global Markets. 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 variety of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Gloria Ruuspakka is a financial advisor with LPL Financial in San Diego, CA, holding a Series 65 credential and three years of industry experience. She previously worked with Carson Wealth/Cetera Advisor Networks from 2018 to 2020 and was involved with One Extraordinary Marriage from 2016 to 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by advisor-facing tools.

Samuel Dabney is a financial advisor at Edward Jones in Bonsall, CA, holding a Series 66 designation with five years of industry experience. Prior to joining Edward Jones in 2021, he served in the United States Marine Corps for 20 years. 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 under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Daniel McMahon is a financial advisor with LPL Financial based in Carlsbad, CA, holding a Series 66 designation and 13 years of industry experience. He has previously worked at Commonwealth Financial Network, OSAIC, SAGEPOINT FINANCIAL, ICM Private Client Group, and Equitable Advisors. McMahon is also a co-owner of Terramar Wealth, Inc., a private entity involved in securities, advisory, and insurance business. 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 services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice provided by investment adviser representatives who may utilize various strategies and technology tools.

Jill Connelly is a financial advisor at Stifel with 32 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Stifel Nicolaus & Co. since 2008. Stifel serves a wide range of clients including individuals, institutional clients, charitable organizations, and municipal entities. The firm offers brokerage and investment advisory services supported by a proprietary investment strategy developed by its Investment Strategy Group.

Jason Rudolph is a financial advisor at Stifel with 23 years of industry experience. He holds a Series 66 designation and has worked at Stifel Nicolaus & Co Inc since 2016, following prior roles at Morgan Stanley and its affiliates from 2003 to 2016. Outside of his advisory work, he is a co-owner and operator of a snack and beverage vending business run alongside his wife. Stifel serves a diverse client base that includes individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach relies on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Zachary Lefever is a financial advisor at Fidelity with two years of industry experience. He holds Series 63 and Series 66 licenses. His background includes roles at Fidelity Investments as well as positions in various other organizations and community activities, including a role with Semester at Sea. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Jon Frandell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. His prior roles include positions at Bank of America and Merrill. He serves on the board of the Boys & Girls Clubs of North County Foundation, where he reviews financials to support ongoing programs. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s IPS-driven investment approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Aaron Bray is a financial advisor with Charles Schwab in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. His career includes 17 years at TD Ameritrade and its investment management affiliate before joining Charles Schwab in 2022. Outside of his advisory role, he owns a rental property managed by a third party. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts, offering both non-discretionary and discretionary investment options supported by centralized custody and integrated operational services.

Eric Moffitt is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. His prior experience includes seven years with Wells Fargo Advisors Financial Network LLC. In addition to his advisory role, he is a licensed real estate agent with Berkshire Hathaway, focusing on residential home sales. Raymond James Financial Services Advisors delivers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and maintains specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Daniel Anderle is a financial advisor with Raymond James Financial in Encinitas, CA, holding a Series 66 designation and 19 years of industry experience. He has worked at Raymond James and affiliated entities since 2017, with prior experience at Union Bank MUFG. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Delanie Millan is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and has prior experience at Morgan Stanley and her own firm, Millan Group Inc. Outside of her advisory roles, no additional activities are noted. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Jonathan Dickson is a CFP® professional with nine years of industry experience, currently serving as a financial advisor at Edward Jones since 2017. Prior to joining Edward Jones, he spent six years with the Allan Gray Orbis Foundation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a broad range of advisory programs and investment solutions supported by a nationwide network of over 23,000 advisors and more than $1 trillion in assets under management.

Sara Peltier, Wmcp, is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and seven years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2019. Outside of her advisory role, she is a partner at TYGA RE INVESTMENTS, a real estate venture. J.P. Morgan Securities provides institutional consulting services focused on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative and qualitative research to support recommendations, which may include ESG criteria and leverage broad derivatives and commodities capabilities.

Richard Plum is a CFP® with 37 years of industry experience, currently serving with LPL Financial since 2020. His prior roles include positions at Lucia Securities, RJL Wealth Management, and operating Richard Plum Insurance since 1987. He is also involved with Lucia Capital Group, which supports his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, including access to model portfolios and third-party asset managers, supported by advanced research and operational tools.

John Lipari is a financial advisor with UBS Financial Services in Carlsbad, CA, holding a Series 63 designation and 44 years of industry experience. He previously worked at Morgan Stanley and its affiliated entities for a combined 17 years before joining UBS in 2014. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and advisory services, utilizing proprietary research and model-based asset allocations to tailor plans to clients’ goals and risk tolerances. The firm combines institutional trading capabilities with wealth management services, offering a broad range of capital markets and advisory solutions.

Alissa Faiers is a CFP®-certified financial advisor with 14 years of industry experience, currently practicing at Morgan Stanley in Carlsbad, CA. She has been with Morgan Stanley since 2016. Outside of her advisory role, she is involved in managing rental property. Morgan Stanley Wealth Management serves both individuals and institutional clients, offering a range of advisory programs and tailored financial planning services that utilize structured discovery and firm-approved planning tools.