William Allred III is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and 24 years of industry experience. He previously worked at LPL Financial for 11 years before joining Wells Fargo in 2025. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions, utilizing research from Wells Fargo Investment Institute and applying diversification principles and modern portfolio theory.

Dana Albert is a Senior Financial Advisor at Merrill Lynch Wealth Management. With a background rooted in the Coastal North County San Diego community, he focuses on delivering personalized wealth management strategies that align with clients' unique financial goals and market conditions. Dana draws upon his experience in the golf industry and hospitality sector to provide service centered on building meaningful client relationships. He offers expertise in areas including college education planning, family wealth management, legacy planning, personal retirement planning, socially responsible investing, tax minimization, and retirement income. Dana holds a Bachelor's Degree from the California State University system and a Master's Degree from National University. He carries the Personal Investment Advisor (PIA) designation. His prior career includes 20 years in various roles within private golf clubs, along with experience as a college instructor and service manager, which informs his approach to coaching and educating clients. He is involved with professional organizations such as the Leukemia and Lymphoma Society of San Diego and True Care. In his community, Dana participates with groups like First Step House of North County, Junior Achievement San Diego, Knights of Columbus Chapter 9022, Meals on Wheels San Marcos, North County Junior Golf Association, Pro Kids The First Tee Oceanside, San Marcos Boys and Girls Club, and the San Marcos Rotary Club. He resides in Oceanside with his wife, three daughters, a cat, and a guinea pig. Dana's personal interests include baseball, gardening, golfing, music, surfing, table tennis, watching movies, and spending time with his family.

Carolina Rida Jaafar is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. She holds the Series 63 and Series 66 designations and has worked with J.P. Morgan Securities LLC and J.P. Morgan Chase Bank N.A. since 2016. 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.

Colin Field is a financial advisor at Edward Jones in San Marcos, CA, holding a Series 66 designation with seven years of industry experience. Prior to joining Edward Jones in 2018, he worked in mortgage lending at Nations Direct Mortgage and JMAC Lending. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and offices.

Brian Coffin is a financial advisor at Morgan Stanley with 35 years of industry experience. He holds the Series 63 and Series 65 designations and has been with Morgan Stanley Private Bank, N.A. since 2015 and Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a variety of advisory programs to individuals and institutions. The firm employs a structured financial planning process and manages approximately $2.74 trillion in client assets.

Carla Campbell is a CFP® with 27 years of industry experience, currently serving at Cetera. She has held roles at Sterling by Mejia LLC and Avantax firms, and is involved as a trustee managing a family trust and as president of Clarion Tax & Wealth Strategies, where she focuses on company organization and strategic planning. Additionally, she serves as co-executor for a family estate and operates a tax preparation and accounting business. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individuals, employer-sponsored retirement plans, corporate, charitable, and institutional clients. The firm offers a multi-manager platform with various portfolio management options, including discretionary and non-discretionary strategies, supporting a large network of advisors and clients.

Joanne Wong is a financial advisor with Merrill based in San Diego, CA, holding a Series 66 designation and bringing 20 years of industry experience. She has worked at Merrill since 2003 and has been with Bank of America, N.A. since 2011. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Gary Endres is a financial advisor at Stifel with 40 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus & Co. Inc. since 2009. Outside of his advisory role, he is a 20% owner of Montrose LLP, which owns real estate property in Costa Rica. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, providing both brokerage and investment advisory services. The firm uses a proprietary methodology developed by its Investment Strategy Group to support its investment analysis and allocation guidance.

Ara Freedman is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. Prior to joining LPL Financial in 2020, he worked at Lucia Capital Group and Lucia Securities from 2011 to 2020. 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 portfolio programs, third-party asset management, and institutional platforms.

John Taylor is a CFP® with 27 years of industry experience, currently serving at Merrill in Carlsbad, CA. He has been with Merrill and Bank of America, N.A. for the past 12 years. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to a range of clients including individuals, high-net-worth investors, and institutions, utilizing model-based and discretionary strategies developed by internal and third-party managers.

Jonathan Savona is a Series 66-licensed financial advisor with 19 years of industry experience. He has been with LPL Financial since 2020 and previously worked at Lucia Securities, LLC, Lucia Capital Group, and Raymond J. Lucia Companies, Inc. In addition to his advisory work, he is involved as a non-variable insurance agent with Westland Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides advisory and brokerage services through a large network of representatives, offering a range of financial planning, portfolio management, and institutional platforms.

Sandra Cohn is a financial advisor at LPL Financial with six years of industry experience. She previously worked at Independent Financial Group and Intuit and has operated the Cohn Tax Company, specializing in tax preparation and accounting, for over ten years. 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, combining extensive non-advisory activities with oversight of more than $819 billion in discretionary assets.

Anita Boghoussian is a financial advisor at Edward Jones in Carlsbad, CA, holding a Series 66 designation with three years of industry experience. Her prior roles include positions at GoSecure, EdgeWave, and Dassault Systemes. Outside of financial advising, she is a co-owner of rental property and raw land investments. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Kelly Morris is a financial advisor with LPL Financial, holding a Series 66 designation and over 24 years of industry experience. He previously worked with Independent Financial Group LLC for 11 years and has had two tenures at LPL Financial totaling more than 14 years. Outside of his advisory role, Morris is involved with Family Legacy Group, a non-investment related business in Carlsbad, CA. 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, supported by research and technology tools.

Eduardo Villagrana is a financial advisor with J.P. Morgan Securities in Carlsbad, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank since 2016, as well as a position at Uber from 2015 to 2017. Outside of his advisory work, he is a partner in personally owned rental real estate properties. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes a range of strategies supported by affiliates with broader derivatives and commodities capabilities.

Irene Gomez Ramirez is a financial advisor with LPL Financial in Vista, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Her prior experience includes nine years at Wells Fargo Clearing before joining LPL Financial in 2025. 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 financial planning, model portfolio programs, and access to third-party asset managers, supporting advisors with a range of discretionary and non-discretionary strategies across various asset classes.

Robert Binkowski is a financial advisor with Ameriprise in Vista, CA, holding a Series 66 designation and 16 years of industry experience. Prior to joining Ameriprise in 2023, he worked at Arete Wealth Management LLC and Axxcess Wealth Management LLC from 2015 to 2023. He is also involved in independent insurance brokering, specializing in universal life insurance. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm provides written recommendation reports combining research, modeling, and tax-efficiency analysis, with a focus on assets managed within Ameriprise accounts.

Kristi Brooks is a financial advisor at Fidelity with eight years of industry experience. She holds a Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2018, previously spending five years at Bonotel Exclusive Travel. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm combines proprietary fundamental research with quantitative and algorithmic portfolio construction to deliver model portfolios, and it engages in active oversight and advisory roles uncommon among large institutional peers.

Richard Nolan is a financial advisor at Osaic Wealth with 25 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Sagepoint Financial, Inc. for 14 years. Nolan is involved in trust and estate planning through Citadel Law Office and holds several board and ownership roles in companies related to tax preparation, insurance, and investment management. He also serves as an HOA board treasurer in a volunteer capacity. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment approach with tools for asset allocation and portfolio optimization, operating at a large scale with a complex affiliate network and private-equity ownership.

David Henesey is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leverages nearly 20 years of experience in the financial services industry to help individuals, families, and corporations identify financial goals, create comprehensive wealth management plans, and execute those plans effectively. His approach emphasizes a personal touch and building relationships to support clients in achieving their objectives. David's expertise includes college education planning, executive compensation, equity compensation services, family wealth management strategies, retirement income, and portfolio management services. He holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, the Personal Investment Advisor designation, and FINRA Series 7 and 66 registrations. He earned a Bachelor of Arts degree from Rollins College and an MBA from Babson College. Originally from the Boston area, David now resides in San Diego with his wife and two children. Outside of his professional work, he enjoys golfing, skiing, and spending time with his family.