Justin Mc Donald is a CFP® professional with nine years of industry experience, currently serving at Charles Schwab in Carlsbad, CA. He has been with Charles Schwab Bank SSB since 2017 and with Charles Schwab since 2016. Charles Schwab & Co., Inc. provides wealth management services mainly to high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering both non-discretionary and discretionary investment management alongside brokerage, custody, and financial planning services. The firm is notable for its scale, integrated structure, and use of multi-asset model portfolios supported by centralized operational and supervisory resources.

Chad Brown is a financial advisor at Wells Fargo Advisors with 18 years of industry experience. He holds Series 63, 65, and 66 licenses and has previously worked at Aegis Capital Corp, LPL Financial, and Wells Fargo Clearing. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser that offers investment and financial planning services to individuals, trusts, and institutions. The firm provides a broad range of planning services tailored to clients meeting net-worth thresholds, using proprietary research and tools to develop customized recommendations.

Sarah Montoya is a financial advisor at Morgan Stanley with 14 years of industry experience. She has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2015. Outside her advisory role, she serves as a board member for the University of California, San Diego, and is involved with M.M. Bodega, LLC, a retail and art-related business. Morgan Stanley Wealth Management offers a range of advisory programs to individuals and institutional clients, providing tailored financial planning supported by firm-approved tools and a structured discovery process. The firm manages approximately $2.74 trillion in client assets and includes services such as estate planning and corporate financial planning agreements.

Joseph Macdougall is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Cavanaugh Financial, Cal Ice Ventures, LLC, and Cavanaugh Financial Group. Outside of his advisory work, he is a partner in JWM Holdings, Inc., where he breeds and races horses. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and supports a broad range of clients through its extensive advisor network and specialized programs.

Terrance Blessing is a financial advisor at Stifel with 26 years of industry experience. He holds the Series 66 designation and has been with Stifel Nicolaus & Co Inc since 2009. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing clients with asset allocation and retirement planning analyses to support their decision-making.

Steven Freeman is a financial advisor with Fidelity in San Marcos, CA, holding Series 63 and Series 66 licenses and bringing 18 years of industry experience. He has worked at various divisions of Fidelity Investments since 2007. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and a Charitable Gift Fund. The firm employs a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction, offering discretionary and non-discretionary management as well as fund advisory and model portfolios.

Victoria Kugler is a financial advisor at Stifel with 18 years of industry experience. She has held her current position at Stifel Nicolaus & Co. Inc. since 2008 and holds a Series 66 designation. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

Clark Lacerda is a financial advisor at UBS Financial Services with seven years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Wells Fargo Clearing, JPMorgan Chase Bank, J.P. Morgan Securities, and Bank of America. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

James Lindsay is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at SagePoint Financial and Guardian Life Insurance Company of America. Outside of advisory work, he manages an independent plane rental club and owns a custom T-shirt business. OSAIC serves a diverse client base including individuals, high-net-worth investors, and institutions, offering a range of integrated brokerage and advisory services. The firm employs a variety of portfolio construction tools and supports both discretionary and non-discretionary account management.

Christian Azalde is a financial advisor at Fidelity with Series 66 and Series 63 licenses and four years of industry experience. He has held roles at Fidelity Investments since 2021 and previously worked at institutions including Howroyd Wright Employment Agency and N26. Azalde is also an adjunct professor in the Healthcare Department at Concordia University Irvine. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, using a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to develop model portfolios across mutual funds, ETFs, and ETPs.

Bruce Baker is a financial advisor with Stifel who holds a Series 63 designation and has 37 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2008. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning analyses.

Michael Puente is a financial advisor at Stifel with 35 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2009. Outside of his advisory role, Puente is an artist. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning guidance.

Craig Kaiser is a financial advisor at Morgan Stanley with 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. In addition to his advisory work, Kaiser owns rental property in Carlsbad, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and utilizes firm-approved planning tools and modeling techniques as part of its services.

Darcy Wolfe is a CFP® with 12 years of experience at Edward Jones in Carlsbad, CA. Prior to joining Edward Jones in 2014, he served 20 years in the U.S. Navy/Reserves. 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 broad range of advisory and investment services through a large national network of advisors and branch offices.

Kathryn Bannister is a Series 63 licensed financial advisor with Morgan Stanley in Carlsbad, California, and has 31 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and firm-approved tools.

Afick Sharar is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has been affiliated with Morgan Stanley entities since 2008. Sharar operates out of Carlsbad, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialty activities such as private funds and principal trading.

Michael Sorenson is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 37 years of industry experience. He previously worked at The Wealth Advisors from 2013 to 2020. Outside of financial advising, he sponsors an educational website dedicated to the art of his late brother, Don Sorenson, whose paintings are sold through an independent gallery. 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 advisory programs, financial planning, and retirement consulting services, utilizing model portfolios, research, and various investment strategies to meet diverse client needs.

Kelley Braaksma is a financial advisor with Osaic Wealth, Inc. based in Carlsbad, CA, holding Series 63, 65, and 66 licenses with 23 years of industry experience. She has worked with Independent Capital Management and Sagepoint Financial Inc. since 2010. Braaksma also owns and operates KND Financial, a sole proprietorship engaged in insurance sales. Osaic Wealth serves a diverse client base including individuals, high-net-worth investors, pension plans, and corporations through a large network of affiliated advisers and multiple advisory platforms. The firm employs a range of investment tools and offers brokerage, advisory, financial planning, and managed-account services incorporating stocks, bonds, options, mutual funds, ETFs, and alternative investments.

Sebastian Hochule is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and 10 years of industry experience. His career includes roles at Wells Fargo Clearing, Bank of America, Merrill, and Edward Jones. Morgan Stanley Wealth Management serves individual and institutional clients with a wide array of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process using firm-approved tools and modeling techniques.

Ramsey Israwi is a financial advisor with Thrivent Investment Management, holding Series 63 and Series 66 licenses and bringing 17 years of industry experience. He has been with Thrivent Financial and its investment management arm since 2015. Israwi serves as a member of the Board of Trustees at Concordia University Irvine, providing an outsider’s perspective on university initiatives. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on goal-based analyses and written recommendations across a broad range of financial topics. The firm’s approach separates planning from managed-account services and does not provide discretionary portfolio management for institutional clients.