Jonathan Heitner is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 designations and bringing 45 years of industry experience. His career includes roles at Wells Fargo Clearing and a two-decade tenure at Cottage & Castles prior to his current position. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including high-net-worth individuals, institutions, and public entities, offering financial planning, investment consulting, and institutional fiduciary solutions with a focus on tailored, non-discretionary advice supported by comprehensive research and multiple portfolio management styles.

Robert Kuech is a financial advisor with Stifel in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 46 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2008. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm’s investment approach relies on proprietary, forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Bryan Stebel is a financial advisor with LPL Financial, holding CFP® and Series 63 credentials and bringing 31 years of industry experience. He previously worked at Cambridge Investment Research for 16 years and Fidelity for 10 years. 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 financial planning and investment management solutions, including access to model portfolios and third-party asset managers, supported by technology tools for operational and research purposes.

Greg Royse is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 credentials and has 33 years of industry experience. He has worked within Morgan Stanley since 2011, including time at Morgan Stanley Private Bank, National Association since 2017. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing proprietary tools and modeling techniques.

Vladimira Scott is a Series 66-licensed financial advisor with UBS Financial Services in San Marcos, CA, where she has worked since 2007, totaling 17 years of industry experience. Outside of her advisory role, she is a team manager for a girls’ competitive soccer team at Sporting California USA and serves as co-executor of an estate. UBS Financial Services Inc. serves individual, corporate, and institutional clients by combining brokerage and advisory offerings, utilizing proprietary research and model-based asset allocations to tailor financial plans. The firm integrates institutional trading capabilities with wealth management services and operates across multiple capital markets functions.

Raphael Aziz is Vice President, Wealth Planner at Fidelity Investments, a position he has held since 2025. He has been with Fidelity since 2022, initially serving as a Financial Consultant. Prior to that, he worked as an Associate Wealth Advisor at Mercer Advisors (formerly Epstein & White Financial) from 2020 to 2022. His earlier experience includes roles as a Financial Advisor at Merrill Lynch from 2019 to 2020 and as a Banker at JPMorgan Chase Bank, N.A. from 2012 to 2019. In his role, Raphael focuses on helping clients feel comfortable, educated, and empowered to make financial decisions aligned with their goals. He emphasizes understanding clients' ambitions and situations, conducting comprehensive portfolio analyses, and discussing opportunities that fit their strategies. Raphael holds a California Insurance License. Outside of work, Raphael enjoys baseball, spending time at the beach, cooking and baking, engaging in family activities, and parenthood.

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.

Mayte Albert is a financial advisor at Merrill with Series 63 and Series 66 credentials and 32 years of industry experience. She has been with Merrill since 1989. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, retirement plans, corporations, and charitable organizations.

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.

David Lee is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Stifel since 2012. He holds Series 63 and Series 65 licenses. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

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.

Samuel Altamirano Ramirez is a financial advisor at Merrill with Series 63 and Series 65 registrations. He has one year of industry experience, including current roles at Merrill and Bank of America. Prior to his career in finance, he held positions outside the industry, including work at Tino and Sons Drywall Finishers and Rudolph and Sletten, Inc. 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 individuals, high-net-worth clients, and institutional entities.

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.

Christopher Pennington is a Series 66-registered financial advisor with UBS Financial Services in San Diego, CA, and has 26 years of industry experience. He previously worked at Morgan Stanley from 2001 to 2008 before joining UBS in 2013. Outside of his advisory work, Pennington is an officer of Pennington's Inc. Auto Sales and Leasing, a family-owned business, and is involved as a partner in PMR Holdings LLC, which invests in real estate, hotels, and rentals. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans and delivers both fiduciary financial planning and capital markets services.

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.

Kevin Bowcock is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Stifel since 2019. He previously worked at Wells Fargo Clearing from 2016 to 2019. Bowcock is a board member of the Escondido East Rotary. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing brokerage and advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

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.