Nina Nitti is a financial advisor at Morgan Stanley with 34 years of industry experience. She holds the Series 63 designation and has been with Morgan Stanley Private Bank, N.A. since 2015, having worked at Morgan Stanley Smith Barney LLC since 2009. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning based on structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and provides planning services supported by the Global Investment Committee’s return estimates and Monte Carlo simulations.

Kevin Hoskins is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to create, implement, and monitor customized financial plans, aiming to provide a world-class planning experience through genuine, straightforward, and attentive service. Kevin has been with Fidelity Investments since 2014, progressing through positions including Financial Representative, Investment Consultant, and Financial Consultant before his current role. Prior to joining Fidelity, he worked as an Investment Consultant at Scottrade from 2013 to 2014. He holds a California Insurance License. Outside of his professional work, Kevin has interests in baseball, fitness, football, social events with friends, and reading.

Ashley Helrich is a financial advisor at J.P. Morgan Securities with two years of industry experience. She holds the Series 66 designation and has worked within various roles at J.P. Morgan entities since 2022. Outside of finance, she has worked in the food service and retail sectors, including at Tatte Bakery & Cafe and District Hookah. 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. The firm offers non-discretionary advice through a selective group of Wealth Advisors, focusing on approved funds and strategies.

Mia Amos is a financial advisor with Charles Schwab in Carlsbad, CA, holding Series 63 and Series 66 licenses and bringing 16 years of industry experience. She previously worked at TD Ameritrade for 17 years before joining Charles Schwab in 2022. Charles Schwab & Co., Inc. serves a large client base primarily made up of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm offers both non-discretionary and discretionary investment options, combining centralized custody and brokerage services with multi-asset portfolio management and alternative investment due diligence.

Joseph Desantis is a financial advisor at Wells Fargo Clearing with 26 years of industry experience. He holds Series 63 and Series 65 designations and has worked at Wells Fargo Advisors LLC and Wells Fargo Clearing since 2011. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options in its investment menus.

Anne Gotingco is a financial advisor with Raymond James & Associates in San Diego, CA, holding a Series 66 designation and 19 years of industry experience. She has worked at Raymond James & Associates since 2018 and previously held positions at Wells Fargo Clearing and Wells Fargo Advisors LLC. 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 municipal entities, offering financial planning and consulting with an emphasis on tailored, non-discretionary advice supported by extensive research and multiple portfolio management styles.

Grace Galloway is a financial advisor at Ameriprise with Series 65 and Series 63 licenses and two years of industry experience. Prior to joining Ameriprise in 2025, she worked at Northwestern Mutual in various capacities from 2024 to 2025. She also attended Texas Christian University from 2019 to 2023. Ameriprise Financial Services is a large advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service that provides written recommendation reports and ongoing retirement-income planning focused on dependable income sources and tax-aware withdrawal strategies.

Brandon Johnson is a financial advisor at Fidelity with three years of industry experience. He holds a Series 66 designation and has previously worked at Wedbush Securities, Guaranteed Rate, Texana Bank, Flagstar Bank, and HomeStreet Bank. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including registered investment companies and an IRS-qualified Charitable Gift Fund. The firm combines fundamental research with quantitative analysis and algorithmic portfolio construction to deliver model portfolios while overseeing sub-advisers and addressing potential conflicts of interest.

Orsolya Gyokeres is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 designation and has previously worked at Bank of America, Merrill Lynch, and Related Management. Morgan Stanley Wealth Management serves individual and institutional clients by providing a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers services through both direct individual relationships and corporate financial planning agreements.

Diana Moreno is a financial advisor at Wells Fargo Clearing with 15 years of industry experience. She holds the Series 66 designation and has been with Wells Fargo Clearing since 2016, following a year at Wells Fargo Advisors, LLC. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary options. The firm’s advisory approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Kristin Norby is a financial advisor at Morgan Stanley with 39 years of industry experience. She has held positions at Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Norby holds Series 63 and Series 66 designations and is based in Rancho Santa Fe, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes firm-approved planning tools alongside resources such as Global Investment Committee’s Secular Return Estimates and Monte Carlo simulations in its financial planning process.

Raymond Lucia Jr. is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 credentials and over 25 years of industry experience. Prior to joining LPL Financial in 2020, he was involved with several firms bearing his name, including Lucia Capital Management, LLC, and Lucia Wealth Management, LLC. He hosts a podcast titled Vaulted Views, which he started in 2024. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, retirement plan consulting, and brokerage services, featuring both discretionary and non-discretionary management and a variety of model portfolios and research resources.

Preston Kern is a financial advisor at J.P. Morgan Securities with CFP®, CFA®, and Series 66 designations and five years of industry experience. His prior roles include positions at First Republic Investment Management, First Republic Securities, First Republic Bank, and Wells Fargo. Kern is based in San Diego, CA. 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 manager due diligence and applying an ESG eligibility framework in its investment recommendations.

Mara Litman is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. She has been associated with Morgan Stanley Smith Barney since 2009 and has worked at Morgan Stanley Private Bank, National Association since 2015. She also serves as a FINRA arbitrator. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients. The firm emphasizes structured financial planning supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Matthew Luckham is a financial advisor with LPL Financial, holding CFP® and Series 66 credentials and over 20 years of industry experience. His career includes roles at Osaic Wealth, Inc, Wealth Manager Group II, LLC, Wealth Manager Group LLC, and Royal Alliance Associates. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, and charitable organizations. The firm offers comprehensive financial planning and advisory programs supported by proprietary and third-party research, serving clients through a national network of investment adviser representatives.

Sean Schexnydre is a financial advisor with Merrill in San Diego, CA, holding Series 66 and Series 63 credentials and two years of industry experience. His prior work includes roles at Bank of America, Hilton Grand Vacations, Wyndham Destinations, and Coldwell Banker. Merrill, together with its affiliate Managed Account Advisors LLC (MAA), provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering model-based and discretionary strategies supported by internal and third-party investment teams for a range of individual and institutional clients.

Solmaz Morales is a Financial Advisor at Merrill Lynch Wealth Management. She works closely with clients to define their financial goals and develop personalized portfolio strategies aimed at achieving those objectives. Her approach involves ongoing advice and portfolio adjustments in response to changes in clients' situations. Solmaz focuses on various client needs, including college education planning, legacy planning, managing new wealth, personal retirement planning, women and wealth, and retirement income. She holds a Bachelor's Degree from San Jose State University and is designated as a Personal Investment Advisor (PIA). She communicates fluently in both English and Farsi. Beyond her professional role, Solmaz balances her work with personal interests such as ice skating, music, running, tennis, traveling, and spending time with her family. She aims to help her clients navigate financial priorities in a way that aligns with their unique ambitions and family needs.

Allison White is a Series 66-credentialed financial advisor with five years of industry experience. She currently works at Morgan Stanley in Carlsbad, CA, joining the firm in 2022 after prior roles at Equitable Advisors, Colliers International, and other firms. Outside of her advisory work, she is a fitness instructor at Studio Barre. Morgan Stanley Wealth Management serves both individual and institutional clients by providing a range of advisory programs, including tailored financial planning. The firm’s approach uses structured discovery and modeling tools to create plans, with clients responsible for implementation and updates.

Matthew Leonard is a CFP® professional with 18 years of industry experience. He has been with Edward Jones since 2007, working in their Carlsbad, CA office. 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 under management and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Michael Poponyak is a financial advisor with Stifel in Carlsbad, CA, holding a Series 63 designation and bringing 45 years of industry experience. He has been with Stifel Nicolaus & Co. since 2009. 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 developed by its Investment Strategy Group.