Steven Much is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and has previously worked at Cox Communications and several other organizations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jake Fleischer is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has nine years of industry experience. Prior to his current role, he worked at Raymond James & Associates from 2017 to 2024 and spent one year at The Greyhound. In addition to his advisory work, Fleischer is involved with Ing Wealth Strategies and Simpatico, where he serves in financial advisor roles. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base that includes individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers non-discretionary planning tailored to client goals using risk profiling and analytical tools, and it supports advisory programs and institutional consulting through a large network of advisors.

Daniel Sponseller is a financial advisor with J.P. Morgan Securities in Oceanside, CA, holding Series 63 and Series 66 licenses and having 12 years of industry experience. He has worked at J.P. Morgan Securities and JPMC Bank NA since 2016, and previously at Edward Jones from 2013 to 2014. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm supports its advisory process with centralized due diligence and employs an investment approach that includes quantitative and qualitative research, ESG considerations, and broader derivatives and commodities capabilities.

Richard Tuton is a financial advisor at Fidelity with two years of industry experience. He holds a Series 66 designation and has previously worked at Reliant Direct Insurance Services and the American College of Financial Services. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable funds and registered investment companies. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage discretionary portfolios, fund advisory, and model portfolios.

Roohi Darugar is a Series 66-licensed financial advisor with LPL Financial in San Diego, CA, bringing 23 years of industry experience. Their career includes multiple tenures at Waddell & Reed and work with various insurance carriers before joining LPL Financial in 2018. 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 network of over 22,800 investment adviser representatives. The firm offers a broad range of financial planning and investment management solutions, including model portfolios, third-party asset management, and institutional platforms.

John Johnson is a financial advisor with Charles Schwab who holds the Series 63 and Series 66 designations and has 33 years of industry experience. He has worked at Charles Schwab since 2003 and at Charles Schwab Bank, SSB since 2005. Charles Schwab & Co., Inc. serves a large client base, 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 and discretionary investment guidance, utilizing multi-asset model portfolios, with centralized custody and operational support.

Eric Dimino is a CFP®-designated financial advisor with 36 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2017 and previously at Wells Fargo Clearing for one year. Outside of his advisory role, he teaches skiing to children at Big Bear Mountain Resort. Stifel serves a diverse client base including individuals, institutional clients, and municipal entities, offering both brokerage and investment advisory services. The firm’s investment approach is guided by 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.

Nic Trounce is a financial advisor at Morgan Stanley with six years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at E*TRADE Securities LLC and Globaltranz/Apex Logistics. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides both direct and corporate financial planning services.

Rosanne Muschenheim is a financial advisor at Morgan Stanley with a Series 66 designation and over a decade of experience in the industry. Her prior work includes roles at Bessemer Trust Company, Coastal Legacies APC, and several law firms. Morgan Stanley Wealth Management serves both individual and institutional clients, providing a range of advisory programs and tailored financial planning using firm-approved tools and methodologies.

Timothy Shea is a CFP® practitioner affiliated with LPL Financial, based in San Marcos, CA, with 33 years of industry experience. He has held roles at LPL Financial since 2020 and previously worked with Lucia Securities, Lucia Capital Group, and Raymond J. Lucia Companies. 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 and access to third-party asset management, supported by a network of over 22,800 investment adviser representatives.

Steven Trifoglio is a financial advisor with UBS Financial Services, holding a Series 66 designation and 29 years of industry experience. He has been with UBS Financial Services since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Ryan Coleman is a financial advisor at Edward Jones with 14 years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2012. 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, managing approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.

Elizabeth Messick is a financial advisor at Morgan Stanley with 36 years of industry experience. She has been with Morgan Stanley since 2009 and also works with Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she has an ownership interest in Villa Klara Retirement Center in La Costa, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients. The firm provides tailored financial planning supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

David Laub is a financial advisor at Merrill with 25 years of industry experience. He has held his current position at Merrill since 2008 and holds Series 63 and Series 65 designations. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Robinson is a financial advisor at Stifel with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus since 2012. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Christopher Baldoni is a financial advisor with Raymond James Financial, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Equitable Advisors. He is also associated with Addison Avenue Investments, where he provides advice and planning support to members of First Tech Credit Union. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm emphasizes tailored non-discretionary planning using risk profiling and analytical tools and supports these services through a large network of advisors.

Eric Schleppenbach is a financial advisor at Edward Jones in San Diego, CA, holding Series 63 and Series 66 designations with 11 years of industry experience. He worked at TD Ameritrade from 2015 to 2020 before joining Edward Jones in 2020. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, supported by a large nationwide network of advisors and branch offices.

Michael Lucia is a financial advisor with LPL Financial in San Diego, CA, holding the ChFC® and Series 63 credentials. He has 34 years of industry experience, including prior roles at Integrity Alliance, H. Beck, Morgan Stanley, and Citigroup Global Markets. Outside of his advisory work, he is involved in insurance marketing as CEO of MJL Insurance Marketing Solutions, Inc., and he also supports the management of his daughter's dance career through a family-owned LLC. 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 portfolio programs, third-party asset management, and institutional platforms, combining broad non-advisory financial activities with oversight of significant discretionary assets and a large network of advisors.

Christopher Coyle is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutions. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Annterese Toth is a Senior Financial Advisor and partner of the VCMP group at Merrill Lynch Wealth Management. She has been in Financial Services for 30 years and joined Merrill in 2003. Annterese holds several professional designations including the Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She assists affluent individuals and business owners with financial strategies, retirement income planning, and estate planning services. Annterese earned her bachelor's degree in business from National University, graduating cum laude. She also attended Hofstra University in New York and completed the Wharton School of Business Executive Training Program. In addition to her professional work, Annterese has been active in her community, serving as a board member of the Finance committee and Vice President for the Rancho Santa Fe Garden Club. She has also been involved with Country Friends of Rancho Santa Fe, Bonsall Woman's Club, and Rally for Children. Annterese resides in Rancho Santa Fe with her husband, former Soccer Hall of Champion Zoltan Toth. They enjoy spending time with their three adult children and other family members.