Gabriel Yanez Jr. is a financial advisor at Ameriprise with 35 years of industry experience. He holds Series 63 and Series 66 designations. Prior to joining Ameriprise in 2020, he worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside of his advisory role, he is involved in independent insurance brokering and owns a business unrelated to investment activities. Ameriprise provides retirement-income planning services primarily for individuals nearing or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficient strategies to deliver customized, non-discretionary recommendation reports through a centralized consulting team.

Robert Babcock is a Series 66-licensed financial advisor with Stifel, based in Carlsbad, CA, and has 19 years of industry experience. He worked at Bank of America from 2009 to 2019 before joining Stifel Nicolaus & Co Inc in 2019. Outside of his advisory role, he is involved as a franchisee in the fitness industry, preparing to open a Red Light Method location in Carlsbad. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Maxwell Parziale is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding a Series 66 designation and having eight years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2017 following his studies at the University of Colorado at Boulder. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning processes and uses firm-approved tools such as Global Investment Committee estimates and Monte Carlo simulations to model financial outcomes.

Stacey Waite is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms, including Prudential Insurance Company of America and BrightHouse Securities. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling to support its financial planning process.

Nilly Alsaid is a Series 66-credentialed financial advisor with four years of industry experience. She is currently with J.P. Morgan Securities and previously worked at Bank of America, Merrill, MUFG Union Bank, and began her career at the Law Offices of Gonzales & Gonzales. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary asset allocation and manager search program supported by centralized due diligence and quantitative and qualitative research.

David Galluccio is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has worked with Wells Fargo Investments and Wells Fargo Clearing for over two decades. Galluccio serves as a conservator for his mother. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm combines research and analytics with diversification principles and modern portfolio theory to evaluate investment options across brokerage and advisory solutions.

Brian Orrico is a financial advisor with Robert Baird & Co. in Rancho Santa Fe, CA, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with Robert Baird & Co. since 2014. Robert Baird & Co.’s DDK Group, where Orrico works, serves individuals including high net worth clients, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs.

Jason Roeske is a financial advisor with Charles Schwab in Carlsbad, CA, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2018 and previously at TD Ameritrade from 2016 to 2018. 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 advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Nicholas Mc Spadden is a CFP® certificant with 15 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities since 2012. He has also been associated with JPMorgan Chase Bank, NA since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their program delivers non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a blend of quantitative and qualitative research.

Vincent Alessi is a financial advisor at Edward Jones in Carlsbad, CA, holding a Series 66 designation with 16 years of industry experience, all at Edward Jones since 2010. Outside of his advisory role, he is involved in professional surfing, participating in occasional photo shoots and managing related communications. Edward Jones is a full-service wealth management firm serving over four million clients with a wide range of investment options, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of advisors and branch offices.

Rodney Graham is a financial advisor at OSAIC with 10 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Woodbury Financial Services and as a self-employed advisor. He serves as a board member for the End Alz Association and owns the Rodney Graham Financial Coaching / Wealth Management Institute, where he teaches financial literacy and money management through various classes and workshops. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering comprehensive financial planning and advisory services. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, supporting a range of customizable strategies delivered through affiliated broker-dealer and RIA relationships.

Brandon Cass is a financial advisor at Osaic with 21 years of industry experience. He holds a Series 66 designation and has worked previously at SagePoint Financial, D.A. Davidson & Co., and Crowell, Weedon & Co. He is also the president and founder of Intrepid Wealth Management, where he manages his existing client base and recruits financial advisors. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services across multiple programs, emphasizing model-based asset allocation and portfolio optimization supported by technology and risk-management tools.

Jennifer Perkinson is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. She joined the firm in 2006 and is a senior partner with the VCMPT Group, a 16-member financial services team. This group serves a select clientele of families, corporate executives, and entrepreneurs by providing asset management and financial guidance. The team collaborates with Bank of America to offer clients integrated personal and commercial banking, lending solutions, and customized wealth planning, enabling comprehensive support through a single point of contact. Jennifer began her advising career in 1996. She earned a Bachelor of Science degree in Biology from Bob Jones University (BJU) and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), and Certified Private Wealth Advisor (CPWA). She has also completed executive education programs at Wharton, Yale School of Management, and Chicago Booth School of Business. Jennifer focuses on areas such as legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Residing in Encinitas with her husband and two sons, Jennifer's personal interests include exercising, gardening, cooking, and travel. She is involved in philanthropy through the team's donor-advised fund and her own. Jennifer previously served on the board of the Rancho Santa Fe Garden Club and currently participates in Bank of America's Community Volunteer Network and the LEAD for Women Board. She also volunteers with her son's schools.

Ronald Scherdorf is a financial advisor at Charles Schwab with 24 years of industry experience and holds a Series 66 designation. He has been with Charles Schwab since 2002 and has worked concurrently at Charles Schwab Bank since 2005. Outside of his advisory role, he owns a single-family rental property. Charles Schwab & Co., Inc. serves 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 both non-discretionary and discretionary investment management with a multi-asset model portfolio approach and centralized custody and operational support.

Hunter Trusty is a Series 66 licensed financial advisor with three years of industry experience. He is currently with J.P. Morgan Securities and has prior experience at Charles Schwab. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and incorporates a broader range of regulatory registrations and derivatives capabilities than many institutional programs.

Serena Kim is a financial advisor with LPL Enterprise, holding Series 63 and Series 65 designations and 12 years of industry experience. Her prior experience includes roles at SRK Consulting Services, Dickerson, Word & Brown Health, the CA Health Benefit Exchange, and Prudential Insurance Company of America. She is also the owner of SRK Consulting Services, a marketing and business administrative consulting firm. LPL Enterprise provides investment advisory and brokerage services to a diverse client base, including individual and high-net-worth investors, retirement plans, banks, and charitable organizations. The firm employs a model-driven investment approach using portfolios developed internally and by third-party strategists, and offers financial planning, access to asset managers, and insurance product facilitation through affiliated entities.

Erik Tappin is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His career includes roles at Citigroup Global Markets from 1996 to 2009, followed by positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and methodologies like Monte Carlo simulations as part of its financial planning process.

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.

Theodore Hageman is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at LPL Financial for 12 years and has been with Morgan Stanley Smith Barney LLC since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee.