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.

Ryan Albin is a Vice President, Financial Consultant at Fidelity Investments. He partners with individuals, families, and business owners to support them in working towards their unique financial goals. Ryan holds the designations of CERTIFIED FINANCIAL PLANNER™ and Chartered Financial Consultant, reflecting his advanced training and knowledge in financial planning. Ryan has been with Fidelity Investments since 2015, progressing through roles including Financial Representative, Relationship Manager, Investment Consultant, Financial Consultant, and currently Vice President Financial Consultant. Prior to joining Fidelity, he worked as a Financial Advisor at Edward Jones from 2014 to 2015. He holds a California Insurance License. Outside of his professional role, Ryan has personal interests in art, the beach, football, museums, sailing, and traveling.

Scott O'Connell is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been contributing since 2008. In this role, Scott focuses on developing personalized financial strategies for high net-worth individuals, families, and institutions. His approach takes into account each client’s risk tolerance, time horizon, liquidity needs, investment goals, and cost considerations. Scott offers expertise across a broad range of services including cash management, custom financial strategies, risk management, retirement planning, educational savings plans, estate planning, corporate 401(k) plans, commercial real estate loans, and customized lending through Bank of America, N.A. (NMLS#1537122). Scott holds a Bachelor of Science degree from the College of Liberal Arts and Sciences at Arizona State University. He has earned the Accredited Asset Management Specialist™ (AAMS) certification awarded by the College for Financial Planning Institutes Corp and has completed the Longevity Training Program at the University of Southern California’s Davis School of Gerontology. Additionally, his professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Originally from Apple Valley, Minnesota, Scott currently lives in San Diego, California. Outside of work, he enjoys hiking, fishing, music, reading, and spending time with his family. Scott is engaged in community service and values volunteering with local organizations in alignment with Merrill’s tradition of community participation.

Spencer Birch is a financial advisor with Edward Jones in San Marcos, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining Edward Jones in 2017, he worked for nine years at Quantum Learning Network. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Taimur Baig is a Series 66-licensed financial advisor with Raymond James & Associates and has 16 years of industry experience. His prior roles include positions at Morgan Stanley Private Bank, Morgan Stanley, Wells Fargo Clearing, and Merrill. Outside of his advisory work, Baig holds a real estate brokerage license and is involved in real estate activities in San Diego. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base including individuals, institutions, and municipal entities. The firm offers a range of financial planning and advisory services that emphasize tailored, non-discretionary consulting supported by firm research and a broad network of affiliated portfolio managers.

Joel Thorp is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2010. Outside of his advisory role, he is co-owner of ZJ Ranch LLC, a land management company focused on unimproved land used primarily for recreation and timber harvesting. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and scenario modeling.

Anthony Meade is a financial advisor at Edward Jones in Poway, CA, with four years of industry experience. He holds the Series 63 and Series 65 designations. Prior to his current role, he operated his own business, Anthony John Meade, from 2004 to 2020. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households, pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies and advisory services through a nationwide network of financial advisors and branch offices.

Miguel A. Ortega is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been providing financial services since 2008. With a career in the financial industry beginning in 2005, Miguel specializes in helping clients develop personalized financial strategies by understanding their short- and long-term financial objectives. His areas of expertise include education planning, family wealth management strategies, liquidity management, portfolio management services, retirement income, and investment strategies for individuals and corporations. Miguel holds a bachelor's degree in Finance from San Diego State University and an associate degree from San Diego Mesa College. He has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Fluent in both English and Spanish, Miguel is committed to building strong client relationships and guiding them through critical financial decisions. Residing in San Diego with his wife Andrea and their child Roman, Miguel is active in his community. He supports organizations such as the Boys and Girls Club, One More Win, and Support The Enlisted Project (STEP), reflecting his commitment to giving back. Outside of work, he enjoys basketball, biking, cooking, fishing, golfing, soccer, spending time with family, and traveling.

Darlene Diehl is a financial advisor with Edward Jones, holding Series 63 and Series 66 licenses and possessing 21 years of industry experience. She has been with Edward Jones since 1993. In addition to her advisory role, she serves as a FINRA arbitrator assisting in dispute resolution cases. 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 and investment solutions, supported by a large nationwide network of financial advisors and branch offices.

Henry De Matteis III is a CFP®-designated financial advisor with Edward Jones in San Marcos, CA, and has eight years of industry experience. Prior to joining Edward Jones in 2018, he worked at Uber Eats and operated Elmhurst Entertainment for over a decade. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and affiliated products, operating under a fiduciary standard and maintaining a large network of advisors and branch offices nationwide.

Lorena Boyce is a Senior Financial Advisor with Merrill Lynch Wealth Management. She initially joined Merrill in 1983 as a futures and options specialist in Capital Markets at the Sears Tower in Chicago. From 1987 to 2015, she concentrated on fixed income securities sales to insurance companies before rejoining Merrill in 2016 to focus on alternative and private equity investments. Her expertise centers on the Merrill Private Equity and Alternatives Platform, providing private equity solutions tailored for foundations, endowments, institutions, and high-net-worth individuals. Lorena’s client focus areas include divorce transition planning, family wealth management strategies, and both individual and corporate investment strategies. She holds a Bachelor's Degree and a Master of Business Administration (MBA), both from the University of Virginia. She also holds the Personal Investment Advisor (PIA) professional designation. Lorena’s professional affiliations include membership in the Illinois Society of Colonial Warriors. Outside of her professional work, Lorena has been engaged in equestrian activities throughout much of her life, having ridden hunter-jumpers and, in more recent years, participated in race-horse ownership. She also enjoys biking, horseback riding, music, and skiing. In the community, she has volunteered with Lake Forest Hospice.

Natalie Slemp is a financial advisor at Edward Jones in Escondido, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones in 2023, she worked at Benn Digital and several other firms in various roles. 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 investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Cody Lenahan is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, he worked at Golden State Orthopaedics for five years and was employed by the San Marcos Unified School District for five years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and strategies, supported by a large network of financial advisors and branch offices nationwide.

Brian Sward is a CFP® professional with four years of industry experience, currently serving as a financial advisor at Charles Schwab in San Diego, CA. His work history includes roles at Charles Schwab Bank, Pro Unlimited, and Olatu S.L. He was also involved with APEX Fun Run Southern California in 2022. Charles Schwab & Co., Inc. serves a large client base primarily comprised of 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 buy/sell recommendations and access to discretionary separately managed accounts using multi-asset model portfolios and a centralized operational structure.

Egan Yamamura is a financial advisor with Ameriprise in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 24 years of industry experience. He has been with Ameriprise and its affiliated entities since 2009. Outside of his advisory role, he is involved in business ownership of a McDonald's franchise in Hawaii. Ameriprise offers a retirement-income planning service tailored for individuals approaching or in retirement who meet specific asset thresholds, combining research, modeling, and tax-efficient strategies to provide comprehensive, written recommendation reports. The firm serves a broad client base through advisory, brokerage, and insurance solutions typical of large institutional firms.

Paul Zawilenski is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 65 licenses and bringing 30 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2013, with previous roles at Merrill, Chase Investment Services, FFEC Wealth Partners, and Banc of America Investment Services. 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 searches, and customized performance reporting within a non-discretionary advisory program.

Scot Fairchild is a financial advisor with LPL Financial in San Diego, CA, holding a CFP® designation and securities licenses Series 63 and Series 65. He has 33 years of industry experience, previously working at RJL Wealth Management, Lucia Securities, and Success Financial Advisors. Outside of advisory work, he is involved with Montecito Venture Partners, a member-managed LLC, and manages a tax preparation and accounting business called Success Financial Advisors, LLC dba Strategic Tax & Financial. 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 wide range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by proprietary research and technology.

Deane Curtiss is a Wealth Management Advisor with over 30 years of experience in the financial services industry. He works with individuals and companies to understand their financial goals and implement strategies that align with their objectives. Deane specializes in areas such as college education planning, family wealth management strategies, LGBT wealth planning, liquidity management, retirement planning, portfolio management, tax minimization, and retirement income. Deane holds a Bachelor's Degree from Babson College and is a Personal Investment Advisor (PIA). He operates within Merrill Lynch Wealth Management, leveraging the resources and investment insights of Merrill and the banking solutions of Bank of America to provide clients with tailored wealth management strategies. Deane emphasizes a personalized approach, working one-on-one with clients to develop financial plans designed to pursue their long-term goals. In addition to his professional work, Deane is actively involved in his community through volunteering. His personal interests include cooking, fishing, hiking, running, spending time with family, table tennis, and tennis.

Mauro Ciarmoli is a financial advisor with Fidelity Investments in San Marcos, CA, holding Series 63 and Series 65 licenses and possessing 26 years of industry experience. His prior work includes 17 years at LPL Financial, LLC before joining Fidelity. He is also the owner of MCC Discovery, LLC, an LLC registered for tax and business purposes. Mauro is part of Strategic Advisers LLC, a Fidelity Investments company that provides investment management and advisory services to both retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm uses a combination of fundamental research and quantitative analysis to construct model portfolios from a broad universe of mutual funds, ETFs, and ETPs.

Luke Van Houten is a CFP® professional with 11 years of experience in financial advising. He is currently with LPL Financial and has prior experience at Putnam Investments LLC and Lifetime Financial Advisors Inc. He is also involved in providing financial planning and consulting services through Lifetime Financial Advisors Inc., an independent investment advisory firm. 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 financial planning, model portfolio programs, third-party asset management, and institutional platforms, supporting a broad range of advisory strategies and non-advisory financial services.