Kalyn Walker is a financial advisor at Raymond James & Associates with 19 years of industry experience. She holds a Series 66 designation and has previously worked at UBS Financial Services and Merrill. Raymond James & Associates is a large, dually registered broker‑dealer and SEC‑registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipalities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Max Hangartner is a financial advisor with LPL Financial, holding a Series 66 designation and 23 years of industry experience. His career includes roles at U.S. Bancorp Advisors, Chase Investment Services Corp., and Wamu Investments. He is based in Del Mar, California. 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.

Kevin Witowich is a financial advisor with Ameriprise Financial Services, holding a Series 66 designation and 15 years of industry experience. Prior to joining Ameriprise in 2021, he worked at various BBVA entities including BBVA Wealth Solutions Inc., BBVA Compass Insurance Agency, Compass Bank, and BBVA Securities Inc. He served on the Board of Directors and as Vice President of the Oceanside Chamber of Commerce. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service, which provides tailored reports and ongoing advice focused on income sources and tax-aware withdrawal strategies.

Nicolas Garza Elorduy is a financial advisor at J.P. Morgan Securities with one year of industry experience and holds a Series 66 credential. His prior work includes roles at StepStone Group, Taylormade Golf, Vuori Inc., and the University of San Diego. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, 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.

Racquel Manalo is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and previously worked at Axos Bank and Amres Corporation. Outside of her advisory role, she operates a mobile notary and loan signing business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors.

Kevin Donnelly is a CFP® and holds the Series 66 designation with 18 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2012, following prior roles at Chase Investment Services Corp. and Osaic FA, Inc. He is based in San Diego, CA. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors, offering non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research with forward-looking capital market assumptions and includes capabilities in derivatives and commodities.

Shantele Lewis is a financial advisor with Wells Fargo Advisors in Rancho Santa Fe, CA, holding a Series 63 designation and 28 years of industry experience. She has been with Wells Fargo Advisors Financial Network LLC since 2009. 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, including specialized areas such as business-owner transition and special-needs planning, using proprietary research and planning tools to develop tailored recommendations.

Lin Murphy is a financial advisor at Morgan Stanley with six years of industry experience. Prior to joining Morgan Stanley in 2023, Murphy held roles at Bank of America and Merrill. Murphy holds a Series 66 designation and is based in San Diego, CA. 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 utilizes structured planning tools and modeling techniques in its advisory process.

Eric Johnson is a financial advisor at Osaic Wealth with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at LPL Financial and Trilogy Capital, Inc. He also serves as trustee of the John & LeeAnn Johnson Family Trust. 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 utilizing a multi-advisor platform, with an investment process focused on model-based asset allocation and portfolio optimization.

Jeffrey Bjurstrom is a financial advisor at Osaic with 28 years of industry experience. He holds the Series 66 designation and previously worked at Securities America, Inc. and Spelman & Co., Inc. He is also licensed to sell fixed insurance products, including fixed annuities, equity index annuities, and term life insurance. Osaic Wealth serves a diverse client base that includes individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization, leveraging a multi-advisor platform with comprehensive financial planning and third-party manager options.

Lily Fallah is a CFP® professional at OSAIC with seven years of industry experience. She previously worked at Wells Fargo Advisors, Morgan Stanley, and Woodbury Financial Services. Fallah serves as Treasurer and Chair of the Investment Committee for The Arc of San Diego, a nonprofit supporting people with disabilities. OSAIC Wealth serves retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, comprehensive financial planning, and portfolio management with a model-based investment approach.

Timothy Chen is a financial advisor with Raymond James & Associates in San Diego, CA, holding a Series 66 credential and over 25 years of industry experience. His prior work includes positions at Wells Fargo Clearing, A. G. Edwards & Sons, Inc., and Morgan Stanley DW Inc. He has been with Raymond James & Associates since 2019. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, and municipal entities, offering financial planning and consulting services through various programs and supported by extensive research and portfolio management resources.

Samuel Tapia is a financial advisor with Wells Fargo Clearing in Carlsbad, CA, holding Series 63 and Series 65 licenses and 27 years of industry experience. His prior experience includes roles at Morgan Stanley and its affiliates from 2000 to 2010. He has been with Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and uses research from Wells Fargo Investment Institute and third parties to inform investment decisions.

David Deng is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. He has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2020, and previously at U.S. Bancorp Investments and Wells Fargo Clearing. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG eligibility, with certain portfolio services provided by affiliates.

Emily Provino is a financial advisor with LPL Financial and Lucia Securities, holding Series 63 and Series 65 credentials and 11 years of industry experience. She has been with LPL Financial since 2020 and with Lucia Securities since 2015. Outside of advisory work, she serves as a business development specialist with Lucia Management Company, a non-investment-related business service provider in San Diego. 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 through a large network of advisors, combining diverse advisory platforms with extensive non-advisory financial services.

Robert Krieger is a CFP® credentialed financial advisor with 32 years of industry experience. He is currently with Cambridge Investment Research Advisors, where he has been since 2024. Prior to this, he held positions at Ic Advisory Services Inc, The Investment Center, Inc., Global Retirement Partners LLC, LPL Financial, and Merrill. Outside of his advisory work, he serves as a board member of Catapult HQ Inc. and is president of BNE Strategies Inc., focusing on consulting and coaching. Cambridge Investment Research Advisors, Inc. serves a diverse client base including individuals, pension funds, and charitable organizations by offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs. The firm supports both discretionary and non-discretionary management and provides proprietary model strategies under the Founders Gate Capital brand.

Edward Signaigo III is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 42 years of industry experience. His prior work includes 15 years at Merrill and four years at Morgan Stanley. He is based in San Diego, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm combines brokerage and advisory solutions, managing roughly $671 billion in assets through a network of over 14,000 financial advisors.

Michael Green is a Financial Consultant at Fidelity Investments, a position he has held since 2020. Prior to this role, he served as an Investment Consultant at the same firm from 2019 to 2020. In his work, he focuses on partnering with clients to develop comprehensive financial plans, aiming to simplify the complexities of wealth planning and build trust-based relationships. He holds a California Insurance License, which supports his professional activities within financial consulting. Outside of his professional life, Michael Green has personal interests that include biking, fitness, golf, parenthood, snowboarding, and traveling.

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.

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.