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 affiliated with JPMorgan Chase Bank, NA since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a network of Wealth Advisors. The firm integrates large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Matthew Hansen is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Morgan Stanley. He previously spent ten years with UBS Financial Services before joining Morgan Stanley in 2025. Outside of his advisory role, Hansen is a partner in H Five Holdings LLC, a real estate investment and property management business based in Poway, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning tools and market models to support client strategies, managing approximately $2.74 trillion in client assets.

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 nine years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Woodbury Financial Services and operated as a self-employed advisor. Graham serves on the board of the End Alz Association and runs a financial coaching and education business offering workshops on money management and retirement planning. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit clients through a large network of advisors. The firm provides integrated brokerage and advisory services, utilizing various portfolio management tools and third-party solutions.

Brandon Cass is a financial advisor at OSAIC with 21 years of industry experience. He holds a Series 66 designation and previously worked at SagePoint Financial for eight years. He is also the founder and president of Intrepid Wealth Management, where he manages his client base and recruits financial advisors. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and investment advisory services, employing asset-allocation tools and multiple third-party resources to construct diversified portfolios.

Jennifer Perkinson is a Wealth Management Advisor and Senior Vice President at Merrill Lynch Wealth Management, where she is a senior partner with the VCMPT Group. This 16-member team serves a select clientele including families, corporate executives, and entrepreneurs, providing asset management and financial guidance. The group collaborates with Bank of America to offer clients banking and lending solutions alongside customized wealth planning services. Jennifer began her advisory career in 1996 and joined Merrill Lynch in 2006. She holds a Bachelor of Science degree in Biology from BJU and has earned multiple professional certifications, including CFP®, CIMA®, CPWA®, and PIA. Additionally, she has completed executive education at Wharton, Yale School of Management, and Chicago Booth School of Business. Her expertise covers legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Residing in Encinitas with her husband and two sons, Jennifer is actively involved in philanthropy through both the team's donor-advised fund and her own efforts. She serves on Bank of America's LEAD for Women Board, volunteers with the Bank of America Community Volunteer Network and her sons' schools, and has previously served on the board of the Rancho Santa Fe Garden Club. Her personal interests include gardening, cooking, exercising, and travel.

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 financial advisor at J.P. Morgan Securities with a Series 66 designation and two years of industry experience. His prior roles include positions at Charles Schwab and APES Trading. 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 through its Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Serena Kim is a financial advisor with LPL Enterprise holding Series 63 and Series 65 designations and 12 years of industry experience. She has worked at multiple firms including Prudential Insurance Company of America and SRK Consulting Services, where she also serves as a business owner specializing in marketing and business administrative consulting. Additionally, she owns several insurance-related businesses in Carlsbad, CA. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, and institutional clients, offering financial planning, advisory services, and access to model portfolios and third-party asset management. The firm’s integrated platform combines advisory programs with brokerage and insurance product sales and includes participation in collateralized lending programs.

Erik Tappin is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 30 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets dating back to 1996. He is based in Carlsbad, CA. Morgan Stanley Wealth Management serves individuals and institutional clients by providing advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and quantitative models to support its financial planning services.

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.

Thomas Stout is a financial advisor at Ameriprise with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Navy Federal Credit Union and affiliated brokerage and asset management firms. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver non-discretionary recommendations through a centralized consulting team.

Mark Kohn is a financial advisor at LPL Financial with 34 years of industry experience. He holds a Series 63 designation and has worked at Linsco/Private Ledger Corp. since 1997. Outside of advisory work, he is involved in non-variable insurance through his own business activities. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by internal and third-party research.

Ronald Thomas is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2013 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutions. The firm offers tailored financial planning services supported by structured discovery and advanced planning tools, managing approximately $2.74 trillion in client assets.

Huiling Zhang is a financial advisor at Morgan Stanley with a Series 66 credential and one year of experience at the firm. Prior to joining Morgan Stanley in 2025, Zhang was with Zenth View Inc for six years. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and firm-approved planning tools to support clients in developing and implementing financial plans.

Victor Koby is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 10 years prior to joining LPL Financial in 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research and model portfolios.

William Roche is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2022, following six years at TD Ameritrade. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a broad range of integrated custody, brokerage, and advisory services.

Joseph De Falco is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He previously worked at Ameriprise Financial Services for 11 years before joining Wells Fargo in 2020. Outside of his advisory role, he is the majority owner of DKM Enterprises, LLC, an investment-related business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.