Emily Provino is a financial advisor at LPL Financial with 11 years of industry experience. She holds Series 63 and Series 65 licenses and has worked at Lucia Securities, LLC since 2015 and at LPL Financial since 2020. In addition to her advisory roles, she is involved with Lucia Management Company as a business development specialist. 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 advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by a network of over 22,800 investment adviser representatives.

Robert Krieger is a CFP® credentialed financial advisor with over 32 years of industry experience. He is currently with Cambridge Investment Research Advisors and previously worked at firms including Merrill, LPL Financial, and Global Retirement Partners. Outside of advising, he serves as president of a consulting and coaching firm, BNE Strategies Inc., and holds board positions with Catapult HQ Inc. Cambridge Investment Research Advisors serves a diverse client base including individuals, retirement plans, and charitable organizations, offering financial planning, investment management, and retirement plan advisory services through a network of independent Financial Professionals. The firm provides tailored investment strategies across various custody platforms, including proprietary and third-party models, and supports advisors with institutional features such as equity participation and formal compliance processes.

Edward Signaigo III is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2013 to 2016. 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 services. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broader set of financial products, such as insurance-related vehicles and bank deposit sweep options, than typical large institutional advisers.

Jordan Papenfuss serves as a Planning Consultant at Fidelity Investments. In this role, he supports clients by helping them assess their current financial situations, identify future goals, and make informed decisions to optimize their financial plans. Jordan has been with Fidelity Investments since 2022, holding various positions including Customer Relationship Advocate, Investment Solutions Representative I and II, leading up to his current role. Before joining Fidelity, he worked as a Financial Coach at Utah Valley University from 2022 to 2023. He holds a California Insurance License.

Michael Bernier is a CFP® professional with over 21 years of experience in financial advisory. He is currently with LPL Financial, having joined in 2024, and previously worked at Canter Wealth, Pure Financial Advisors, Inc., and Financial Designs LTD. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment solutions, including model portfolios, third-party asset management, and institutional platforms.

John Peluso is a Senior Financial Advisor at Merrill Lynch Wealth Management, offering personalized wealth management strategies aligned with clients' long-term goals. He specializes in personal retirement planning, portfolio management services, and tax minimization, serving individuals, families, business owners, and professionals primarily in San Diego and California. With decades of experience, John employs a goals-based wealth management approach that emphasizes client participation and understanding of investment decisions. He hosts educational events on retirement planning, Social Security, and global market trends, assisting clients through major life milestones and financial transitions. His approach involves a comprehensive review of clients' financial situations using Merrill's planning tools and providing access to banking and lending resources through Bank of America. John holds a Bachelor's Degree from San Diego State University and holds the professional designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). He is actively involved in his community, including volunteer work with Canine Companions for Independence, and participates in organizations such as the Athenaeum Music & Arts Library. His personal interests include golfing, tennis, and yoga.

Todd Vitale is a financial advisor with Wells Fargo Clearing, holding a Series 63 designation and bringing 38 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors, LLC from 2015 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and based on modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Manuel Contreras is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and seven years of industry experience. His background includes roles at Northwestern Mutual, New York Life Insurance, and Wells Fargo. Outside of financial services, he is involved in event planning and management through Exclusive Events by Bella Mia Inc and owns a portable restroom rental business, Ethereal Luxury Restrooms Inc. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Nathan Labiak is a Wealth Management Advisor at Merrill Lynch Wealth Management. He has been advising clients on wealth management and investment strategy since 1998 and joined Merrill Lynch in 2003. Nathan leads a team working with affluent individuals, families, business owners, and executives on complex financial decisions including retirement planning, concentrated wealth management, liquidity events, tax strategies, estate planning, and multigenerational wealth transfer. Nathan's approach involves a comprehensive assessment of each client's financial landscape, considering income requirements, risk tolerance, tax exposure, estate goals, family priorities, and legacy objectives. He designs personalized strategies to bring structure and clarity to managing significant wealth, coordinating with clients' tax and legal advisors to emphasize tax-aware investment planning and integrated wealth management. He holds the Certified Investment Management Analyst® (CIMA®) designation, Certified Private Wealth Advisor® (CPWA®) designation, CERTIFIED FINANCIAL PLANNER® certification, and other professional credentials. Nathan earned his bachelor's degree in finance from the California State University system. He is involved with the Helen Woodward Center, San Diego Humane Society, and Sigma Chi Alumni. Nathan lives in Cardiff-by-the-Sea with his family and enjoys camping, surfing, and the outdoors.

Brian Holman is a financial advisor with Primerica Advisors in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 25 years of industry experience. He has been with Primerica Advisors since 2000 and with Primerica Financial Services since 1999. Outside of advisory work, he is president of Holman BC Enterprises, Inc., a legal entity formed for Primerica business purposes. Primerica Advisors offers discretionary asset management through its Lifetime Investment Program, serving individual and high-net-worth clients with model-delivery strategies and discretionary separately managed accounts. The firm curates third-party asset managers and uses a tiered wrap-fee structure rather than fixed fees.

Stella Larsen is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding a Series 66 credential and having 22 years of industry experience. She previously worked at Northern Trust Securities, Inc. and Northern Trust Bank for 12 years before joining J.P. Morgan in 2018. Larsen serves on the board and finance committee of the Hualalai Ohana Foundation, a nonprofit organization. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, offering asset allocation advice, investment manager searches, and customized performance reporting.

Colin Wren is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and 35 years of industry experience. His prior roles include positions at Wells Fargo Clearing, Wells Fargo Advisors LLC, UBS Financial Services, and A. G. Edwards & Sons, Inc. 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 provides a range of services including financial planning, wrap and model portfolio programs, and institutional platforms, with investment strategies that include discretionary and non-discretionary management and a variety of portfolio options.

Nicholas Anderson is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked at JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager searches, and customized performance reporting through its Institutional Consulting Services program. The firm combines quantitative modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Elizabeth Sanchez is a financial advisor at Wells Fargo Clearing with 18 years of industry experience. She holds a Series 66 designation and has worked at Wells Fargo Clearing since 2019. Prior to that, she held roles at Morgan Stanley, including Morgan Stanley Private Bank, N.A., where she has been associated since 2016. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans. The firm offers both discretionary and non-discretionary services, using an IPS-driven approach grounded in modern portfolio theory and includes a broader range of financial product offerings such as insurance-related vehicles and bank deposit sweep options.

Claudio Robertson is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63, 65, and 66 licenses and bringing 15 years of industry experience. His prior roles include positions at Upriver Capital Management, Private Investment Bank, PIBL Holdings, Ipg Investment Advisors, and Investment Placement Group. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework to guide investment recommendations.

Daniel Avram is a financial advisor at Merrill with 19 years of industry experience. He holds Series 63 and Series 66 licenses and has worked at Merrill and Bank of America since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions (SPS) Program to Bank of America fiduciary clients. The firm provides model-based and discretionary investment strategies for a range of clients, including individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Philip Bradshaw is a financial advisor with Raymond James & Associates in San Diego, CA, holding a Series 66 designation and 20 years of industry experience. His prior roles include positions at Bank of America and Merrill Lynch, Pierce, Fenner & Smith Incorporated. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser overseeing 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 through a variety of portfolio management styles and affiliated research resources.

Brett Levinson is a financial advisor at Stifel with 31 years of industry experience. He holds a Series 63 designation and has been with Stifel Nicolaus & Co Inc since 2015. Stifel serves a wide range of clients, including individuals, institutional investors, and municipalities, providing both brokerage and investment advisory services. The firm’s investment approach is based on a proprietary methodology developed by its Investment Strategy Group, which utilizes forward-looking capital market assumptions and probabilistic modeling for asset allocation and planning analyses.

Benjamin Smith is a financial advisor at Merrill with a Series 66 designation and four years of industry experience. He has worked at Merrill since 2017 and previously held roles at U.S. Bank and Bank of America N.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 strategies for individuals, high-net-worth clients, and institutional investors.

Jacob Lincoln is a financial advisor with LPL Financial in San Diego, CA, holding three years of industry experience. He previously worked at Onyx Bridge Wealth Group LLC and Elite Investment Team LLC and has over a decade of experience at Coastal Tax Advisors, including its predecessor entity Lincoln Tax and Wealth Planning, Inc. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services through a large network of investment adviser representatives. The firm serves individuals, retirement plan participants, banks, trust companies, and institutions, offering a wide range of financial planning and investment management solutions supported by various advisory platforms and technology tools.