Laura Taylor is a CFP® professional with 10 years of experience in the financial services industry. She is currently affiliated with Cetera and Everstead Financial Group, having worked at Cetera Wealth Services, LLC since 2016. Her prior roles include positions at Cetera and Everstead Financial Group. Cetera Investment Advisers LLC is a large SEC-registered advisory firm serving individual, retirement plan, corporate, charitable, and institutional clients through a network of over 10,000 independent advisors. The firm offers a range of portfolio management and consulting services, utilizing a multi-manager platform with various program options and custodial relationships.

Evan Angone is a financial advisor at Charles Schwab with a Series 66 designation and four years of industry experience. He previously worked at TD Ameritrade and Family First Life, among other firms, and has experience in both advisory and financial services roles. Outside the financial sector, he has worked in hospitality services at the Beverly Hills Hotel. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a mix of non-discretionary investment guidance and access to discretionary separately managed accounts. The firm is notable for its large scale, integrated service model, and a range of advisory, brokerage, and custody solutions.

Christopher Phelps is a CFP® professional affiliated with LPL Financial, with 20 years of experience in the financial services industry. He has worked at Financial Life Concepts and Commonwealth Financial Network, each for over two decades. Phelps is also involved in tax preparation services through Financial Life Concepts. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Tamara Huey is a financial advisor at Ameriprise with 34 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Ameriprise since 2005, including her current role starting in 2020. Outside of advising, she is involved in independent insurance brokering. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering specialized retirement income planning services that provide written recommendations and ongoing advice focused on reliable income sources and tax-aware withdrawal strategies.

Susan Alefi is a financial advisor with LPL Financial based in San Diego, CA. She holds Series 63 and Series 66 licenses and has 28 years of industry experience. Prior to joining LPL Financial in 2017, she worked at Wells Fargo Clearing and Edward Jones. Outside of her advisory work, she teaches seminars and owns a tax preparation and accounting business. LPL Financial is a national broker-dealer and registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services delivered through a large network of advisors and utilizes various model portfolios, third-party subadvisors, and technology tools.

James Peasley II is a Series 66-licensed financial advisor with UBS Financial Services, where he has worked since 2008. He has 19 years of industry experience and is based in Ramona, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a wide range of capital markets, custody, and research resources.

Marc Rupnow is a financial advisor at Charles Schwab with 11 years of industry experience. He holds the Series 66 designation and previously worked at TD Ameritrade Institutional from 2012 to 2023. Outside of finance, he was involved with Bali Hai Restaurant for a decade. 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 combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Andrea Sperduto is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. She has worked at Wells Fargo Clearing from 2016 to 2023 before joining Wells Fargo Advisors. She holds a Series 63 designation and is based in San Diego, CA. Outside of her advisory role, she acts as power of attorney for her father. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and uses internal research and planning tools to develop tailored recommendations for clients.

Michelle Jenkins is a Planning Consultant at Fidelity Investments, where she focuses on understanding clients' personal situations and financial objectives through comprehensive planning. She partners with clients to identify opportunities for education about Fidelity's investment strategies and available resources. Michelle brings nearly 30 years of industry experience, having held various roles at Charles Schwab & Co., Inc., including Senior Client Relationship Specialist, Client Relationship Manager, Investment Consultant, and Client Service Representative. She holds a California Insurance License. Outside of her professional work, Michelle enjoys attending concerts, traveling, and volunteering.

Maura Mc Mahon is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. She has worked with various J.P. Morgan entities since 2011, including J.P. Morgan Investment Management Inc. and J.P. Morgan Institutional Investments Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

John Loehr is a financial advisor with Edward Jones in Santee, CA. He holds the Series 66 designation and has eight years of industry experience, including two years at GAF prior to joining Edward Jones in 2018. 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, including discretionary and non-discretionary wrap fee strategies and access to separately managed accounts, and operates under a fiduciary standard.

Rashard Cook is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. His prior roles include positions at U.S. Bancorp Advisors, RJL Wealth Management, and Lucia Securities. Outside of advising, he serves as an assistant football coach and is involved in residential real estate services. 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, model portfolio programs, third-party asset management access, and institutional platforms.

Jason Kaimer is a financial advisor at UBS Financial Services with 26 years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at First Republic Securities Company LLC and First Republic Bank for over two decades. He is based in San Diego, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management and offers proprietary research and a broad range of capital markets services.

Brett Everhart is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His career includes roles at firms such as LPL Financial and First Investments & Planning. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports a wide network of advisors with specialized services in municipal finance and employer advisory programs.

Wyatt Farmer is a financial advisor at Stifel with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus since 2015. Stifel serves a diverse range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Jee Eun Decker is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 credentials and eight years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2026, she worked at Bank of America, Merrill, Wells Fargo, LPL Financial, and Lucia Management Co LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative and qualitative research through a centralized manager solutions team and offers broader derivatives and commodities capabilities compared with many institutional advisory programs.

Gerad Mowrey is a Certified Financial Planner® with 27 years of experience, currently associated with LPL Financial and Summit Financial Group in La Mesa, CA. He has worked with LPL Financial since 2000 and with Summit Financial Group since 2016. Outside of his advisory work, he is involved in tax preparation and accounting through Summit Financial Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and other institutions. The firm provides a range of advisory and brokerage services, including financial planning and access to model portfolios and third-party asset managers.

Jerwin Paz is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds the Series 66 designation and has worked previously at Wells Fargo Clearing, J.P. Morgan Securities, and Chase Investment Services Corp. His current roles include positions at Morgan Stanley Private Bank, N.A., and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Thomas Kokjohn is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009, including work with Morgan Stanley Private Bank, National Association. He is based in San Diego, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets.

John Prokos Jr. is a financial advisor with LPL Financial based in San Diego, CA. He holds a Series 63 designation and has 39 years of industry experience. He has worked with firms including Lucia Securities, LLC and RJL Wealth Management, LLC. Outside of his advisory roles, he has been involved with the YMCA of Boca Raton. 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, model portfolio programs, third-party asset management, and institutional platforms.