Melody Donnelly is a financial advisor at Charles Schwab with 14 years of industry experience. She holds Series 63 and Series 66 designations and has previously worked at TDAmeritrade, Word and Brown, and The Prudential Insurance Company of America. Outside of advising, she has a long-standing involvement with Laz Parking since 2016. 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, offering a combination of non-discretionary advisory guidance and access to affiliated discretionary separately managed accounts.

Zachary Moreo is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and 14 years of industry experience. He has been with J.P. Morgan Securities and affiliated entities since 2012. 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’s advisory process combines systematic quantitative screening and qualitative research, supported by centralized due diligence and a forward-looking capital market framework.

Jason Polk is a financial advisor at Edward Jones in San Diego, CA, with 17 years of industry experience. He has been with Edward Jones since 2014 and holds the Series 63 and Series 66 designations. Outside of his advisory work, he owns an apparel business, Faith Over Fear, which designs and sells hats to benefit local charities. 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 and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds.

Garret Campbell is a financial advisor with Thrivent Investment Management in Santee, CA, holding a Series 66 credential and 10 years of industry experience. He has been with Thrivent Financial and Thrivent Investment Management since 2016. Outside of his advisory role, he serves as a board member for Casa Esperanza para Niños, a nonprofit supporting abandoned and abused children in Hermosillo, Mexico. Thrivent Investment Management offers Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, focusing on comprehensive, goal-based financial planning without discretionary trading authority. The firm allows clients to combine planning with managed-account programs through a consolidated billing option called “WealthPlan” while maintaining separation between services.

James Vasquez is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at notable firms including Morgan Stanley and PFG Advisors. Outside of finance, he occasionally consults as a professional chef and is an ACF Certified Culinarian. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, and endowments, focusing on 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.

Zachary Cohodes is a financial advisor with LPL Financial holding a Series 66 designation. He has experience working at several firms including BMO Bank, Raymond James & Associates, Five9, Hexagon SIG, and Accenture. 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 portfolio programs, and institutional platforms, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Eithar Gaggi is a financial advisor at J.P. Morgan Securities with 14 years of industry experience. She holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities since 2012. Outside of her advisory role, she has an ownership interest in a rental property. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager research, and customized performance reporting for plan sponsors, corporations, and endowments. Their program emphasizes non-discretionary, model-driven recommendations supported by centralized due diligence and includes access to derivatives and commodities capabilities through affiliates.

Jason Kriz is a Financial Consultant currently working with Fidelity Investments since 2024. He partners with clients and families to help build sound financial plans aimed at fostering confidence in their financial decisions. Jason employs a needs-based approach to collaborate with clients over the long term, adapting to life's changes. His professional experience includes roles as a Financial Consultant and Executive Relationship Manager at Morgan Stanley from 2020 to 2024, Senior Financial Sales Advisor at BBVA Compass from 2018 to 2020, and Financial Advisor at Edward Jones from 2016 to 2018. Jason holds a California Insurance License and is a Certified Financial Planner (CFP®). Outside of his professional work, Jason enjoys interests such as food, golf, theater, traveling, and volunteering.

Patrick Archer is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and has worked at firms including Breakaway Wealth Management and several educational institutions. Archer has also been involved with Lou & Mickeys, a non-investment business outside his advisory role. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including charitable gift funds and registered investment companies. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction, offering model portfolios composed of mutual funds, ETFs, and ETPs.

Bryn Tannone is a financial advisor at Fidelity with Series 63 and Series 65 credentials and three years of industry experience. His prior work includes roles at Spruce Farm and Fish, The Glen at Scripps Ranch, and Pulsar Entertainment. He also has experience related to the University of Colorado, Boulder. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, management of registered investment companies, and integration of AI in its research processes.

Jonathan Isaac is a financial advisor at Osaic with 27 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Sagepoint Financial, Inc. for 14 years and Independent Capital Management for over two decades. Outside of advising, Isaac is involved in mortgage origination and serves as a certified estate planner, referring clients for estate planning services. OSAIC Wealth serves a diverse client base, including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services with a model-based investment approach that includes asset allocation and portfolio optimization supported by various tools and multiple program options.

Patricia Fleming is a CFP®-designated financial advisor with 37 years of industry experience, currently affiliated with LPL Financial in San Diego, CA. Her prior roles include positions at Waddell & Reed, various insurance carriers, and leadership at Lumena Financial Strategies, Inc. She also served on the Women In Blue Executive Cabinet from 2019 to 2021. 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 financial planning and portfolio management services, combining advisory platforms with extensive non-advisory financial activities.

Jeffrey Naiman is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 26 years of industry experience. He has been with LPL Financial since 2004. Outside of advisory work, he is involved in non-variable insurance activities, including a role at Treble Financial. 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 services, including financial planning, model portfolio programs, and institutional platforms, supported by research-based investment strategies and technology tools.

Dan Atkin is a financial advisor at Fidelity with one year of industry experience. He holds the Series 66 designation and previously worked in various roles including six years at Sunstate Equipment Co. and positions at Mona Lisa Italian Foods and San Diego State University. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction. The firm is noted for its use of systematic methodologies, multi-manager structures, and regulatory registrations that support its advisory role across multiple registered investment companies.

Fany Hirales is a CFP® professional with 16 years of experience in the financial services industry. She has worked at Osaic since 2023 and previously spent 13 years at SagePoint Financial and Independent Capital Management. Hirales is the owner of Hirales Wealth Solutions, an LLC through which she performs administrative duties. Osaic Wealth serves a broad mix of retail and institutional clients, offering brokerage and advisory services across a range of programs including financial planning, advisor-managed portfolios, and retirement plan consulting. The firm’s investment approach emphasizes model-based asset allocation and portfolio optimization, supported by various tools and a complex affiliate network.

Kenneth Judd is a CFP® professional at Raymond James & Associates with 33 years of industry experience. He has worked at Raymond James since 2018, following roles at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving a diverse client base that includes individuals, institutional clients, and municipal entities. The firm offers financial planning, advisory programs, and institutional consulting, combining multiple portfolio management styles with firm research to support its advisers.

Gunnar Thowsen is a financial advisor with Morgan Stanley who holds Series 63 and Series 65 licenses and has 41 years of industry experience. He has worked at Morgan Stanley Private Bank since 2015 and Morgan Stanley Smith Barney since 2009, following 16 years at Citigroup Global Markets. Thowsen also serves as a FINRA arbitrator in Washington, D.C. Morgan Stanley Wealth Management offers a broad range of advisory programs to both individual and institutional clients, providing tailored financial planning supported by structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services through various programs, including estate planning strategies and corporate financial planning agreements.

Juleane Spittler is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and previously worked for UBS Financial Services Inc. Outside of her advisory role, she is involved in family agricultural ventures through membership in farmland rental LLCs. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering IPS-driven investment advice and discretionary services that include diverse financial products such as group annuity contracts and bank deposit sweep options.

Elizabeth Mc Quade is a financial advisor at Cetera with eight years of industry experience. She holds the Series 66 designation and has previously worked at firms including Ameriprise, Wells Fargo, Morgan Stanley, and Merrill. Mc Quade is based in San Diego, CA. Cetera Investment Advisers LLC is an SEC-registered firm serving a broad client base including individuals, retirement plans, corporate and charitable clients, and institutional accounts. The firm offers a range of portfolio management and financial planning services through a multi-manager platform, supporting both discretionary and non-discretionary portfolio structures.

David Bretz is a CFP® professional with 27 years of industry experience, currently affiliated with Cetera. He has worked at Cetera and its related entities since 2013 and is owner and president of Everstead Financial Group, a financial services firm. Bretz also serves as president of Bretz Financial Group, which focuses on tax and expense management, and holds a role as an insurance agent for fixed insurance products. Cetera Investment Advisers LLC is an SEC-registered adviser that serves a diverse client base including individuals, retirement plans, corporate, charitable, and institutional accounts. The firm offers a multi-manager platform with discretionary and non-discretionary portfolio management, financial planning, and access to third-party money managers, managing over $256 billion in assets through a network of more than 10,000 advisors.