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.

Carlos Caceres Jr. is a financial advisor at Raymond James Financial with 33 years of industry experience. He holds a Series 63 designation and has worked at Raymond James since 2019, following prior roles at CUSO Financial Services and Mission Federal Credit Union. Outside of his advisory work, he serves as a trustee for a family-related business. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional investors. The firm offers tailored, non-discretionary investment consulting using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Nancy Parrett is a Series 66-registered financial advisor at Merrill with 18 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner and Smith Incorporated since 2007 and Bank of America, N.A. since 2011. Outside of her advisory role, she is the managing member and owner of Willowwood, LLC, an investment-related business. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Brian Johnson is a financial advisor at Edward Jones with a Series 66 designation and 10 years of industry experience. His prior roles include positions at Bank of America, Snow Capped Peaks Mortgage, and Bbva Wealth Solutions Inc. He is based in Escondido, California. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and a securities-based lending option.

Alexander Monroe is a financial advisor with Stifel in San Diego, CA, holding the Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2015. Outside of his advisory role, Monroe serves as Vice President and Board Member of the La Jolla Golden Triangle Rotary Club Foundation, where he is involved in community communications. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Russel Upton is a Wealth Management Advisor with Merrill Lynch Wealth Management, serving high-net-worth families and institutional investors across major U.S. metropolitan areas including Los Angeles, New York, San Diego, and San Francisco. He directs financial strategy, asset allocation, manager evaluation, and liability management for senior executives and clients in the entertainment, sports, legal, and technology sectors. He also provides a broad range of wealth management services such as trust and estate planning, cash management, retirement planning, and alternative investments. Mr. Upton holds several professional designations including the Certified Private Wealth Advisor® certification administered by the Investments & Wealth Institute™ and completed in conjunction with The University of Chicago Booth School of Business. He also holds the Sports & Entertainment Accredited Wealth Management Advisor™ certification from the College for Financial Planning Institutes Corp. His previous roles include Senior Vice President positions at U.S. Trust (now Bank of America Private Bank) and City National Bank, as well as finance roles within the entertainment industry. He earned both his Bachelor of Science in Finance and MBA from the College of Business and Economics at California State University, Northridge. His community involvement includes service as a Director and Trustee on the boards of the San Diego Zoo Foundation, the San Diego Sports Commission, and the San Diego Opera.

John Willis is a financial advisor with UBS Financial Services in San Diego, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management, supported by proprietary research and capital market assumptions. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and banking solutions.

Bruce Treitman is a financial advisor with Raymond James & Associates in Rancho Santa Fe, CA, holding Series 63 and Series 65 registrations and bringing 42 years of industry experience. He has been with Raymond James & Associates since 2016. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, and charitable organizations. The firm provides financial planning, investment consulting, and institutional fiduciary solutions, with an emphasis on tailored, non-discretionary advisory relationships supported by a broad range of portfolio management styles and affiliated research.

Christopher Wells is a financial advisor at LPL Financial with 30 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Commonwealth Financial Network for seven years before joining LPL Financial in 2023. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad range of clients, including individuals, retirement plans, banks, credit unions, corporations, and charitable organizations. The firm offers financial planning, advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research and model portfolios from LPL Research and third-party providers.

Denise Long is a financial advisor with J.P. Morgan Securities LLC, holding Series 63 and Series 65 designations and over 26 years of industry experience. She has been with JPMorgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment recommendations.

Lesandro Mena is a financial advisor at Charles Schwab with 19 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2013. Charles Schwab & Co., Inc. serves a large client base, mainly 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 blend of non-discretionary investment guidance alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and an established alternative investments program.

Elena Navedo Alvarez is a financial advisor at Merrill with Series 66 and Series 63 licenses and five years of industry experience. Her prior experience includes roles at Bank of America, J.P. Morgan Securities, and Caixabank S.A. 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, offering model-based and discretionary investment strategies for a range of clients including individuals and institutions.

Faith Much is a Series 66-licensed financial advisor with Edward Jones, based in Valley Center, CA, where she has worked since 2015. She has 10 years of industry experience. 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 advisory programs, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Trisha Sinouanthavysouk is a financial advisor at J.P. Morgan Securities with eight years of industry experience. She holds the Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2018, following prior roles at UnionBanc Investment Services, LLC and her own advisory practice. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines large institutional advisory operations with brokerage and investment management capabilities.

Michael Ortiz is a CFP® professional with 10 years of experience at Edward Jones, where he has worked since 2016. He holds a Series 66 license and operates out of San Diego, 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 under management through a nationwide network of more than 23,700 financial advisors and offers a range of discretionary and non-discretionary investment strategies under a fiduciary standard.

David Richman is a financial advisor at Raymond James & Associates with 28 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Raymond James for 10 years. Outside of his advisory role, Richman serves as CEO of Cycle of Lives, a nonprofit focused on raising funds and awareness for cancer care, and is also an author who self-publishes books and blogs unrelated to the financial industry. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a variety of portfolio management styles and affiliated research resources.

Deborah Severn is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and bringing 20 years of industry experience. Prior to joining LPL Financial in 2019, she worked with The Murray Hougen Group, Waddell & Reed Inc., and various insurance carriers. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base, including individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of advisory programs and financial planning services supported by research and technology, providing both discretionary and non-discretionary management options.

Paul Wendee is the owner and Chief Investment Officer of Paul M. Wendee & Associates with 35 years of industry experience. He holds the CFP® designation along with Series 63 and Series 65 licenses. Wendee has previously worked at firms including Entoro Capital, Exemplar Capital, and Silber Bennett Financial. He serves as an adjunct professor at California Baptist University and California State University Los Angeles and is the owner, editor, and publisher of the Intrinsic Value Wealth Report newsletter. Paul M. Wendee & Associates provides discretionary investment management primarily for pooled investment vehicles and institutional clients. The firm uses in-house analytical methods including security ratings and limited market timing and may engage sub-advisors to manage accounts.

Cynthia Tam is a CFP® with 23 years of industry experience, currently serving as the sole advisor at Native Finance Investment Advisory since 2013. She also has a background with Newport Coast Securities, where she has worked since 2012. In addition to her advisory role, Tam owns and operates businesses in tax preparation and insurance, and leads the Native Finance Institute, which focuses on compensation research and financial policy development for tribal governments. Native Finance Investment Advisory is an independent, single-advisor firm that provides financial products and services primarily focused on insurance brokerage and product facilitation. The firm emphasizes privacy and data practices and does not offer discretionary portfolio management or percentage-of-AUM fee arrangements, which influences its service and compensation structure.