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.

Khushbu Harjani is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 licenses and bringing 13 years of industry experience. She has worked with JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2015. J.P. Morgan Securities LLC provides institutional consulting services to clients such as corporations, foundations, and defined contribution plan sponsors. The firm offers asset allocation advice, investment manager searches, and customized performance reporting, combining large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Shahryar Kashanchi is a financial advisor with Equitable Advisors, holding Series 63 and Series 66 credentials and bringing 41 years of industry experience. He has worked at Equitable Advisors since 2009 and previously at Axa Advisors and MSI Financial Services. Equitable Advisors serves a diverse client base including individuals, pension and profit-sharing plans, corporations, and charitable organizations, providing financial planning, retirement plan consulting, and various asset-management programs. The firm utilizes a range of advisory models and third-party asset managers, offering services through a network of Investment Adviser Representatives and emphasizing fiduciary responsibility for qualified plans.

Michael Holl is the Resident Director and Senior Financial Advisor at Merrill in Carlsbad, with over 17 years of industry experience. Born and raised in San Diego, he focuses on providing personalized financial advice tailored to each client's unique needs and goals. Michael works closely with individuals and families to navigate the complexities of the financial landscape and develop strategies that align with their long-term aspirations. His expertise encompasses a range of areas including college education planning, equity compensation services, family wealth management, legacy planning, liquidity management, managing new wealth, personal retirement planning, philanthropic planning, portfolio management services, and retirement income. Michael holds the designations of Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) and earned his bachelor's degree from the University of California System. Michael is an active member of the MSAG San Diego professional organization and participates in community activities through this group. His approach is centered on collaboration and trust, aiming to chart a financial course built on shared values and knowledge.

Eric Weiss is a financial advisor at Morgan Stanley in Carlsbad, CA, with two years of industry experience. He previously worked at Fidelity Investments and Charles Schwab. He holds Series 63 and Series 66 licenses. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and modeling techniques in its financial planning process.

Andrew Hernandez is a financial advisor at Charles Schwab with Series 63 and Series 66 licenses and two years of industry experience. He has worked at Charles Schwab & Co., Inc. since 2023, following previous roles at TD Ameritrade and Aimloan. Andrew is based in San Diego, CA. 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. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and features a multi-asset investment approach supported by research from Schwab Center for Financial Research.

Michael Such is a Senior Financial Advisor with Merrill Lynch Wealth Management, having joined the firm in June 2011. He focuses on delivering financial strategies, research, and portfolio reviews tailored to individual clients’ goals. His areas of expertise include college education planning, divorce transition planning, employee benefits planning, family wealth management strategies, services for endowments, foundations, and non-profits, managing new wealth, and personal retirement planning. Michael earned a Bachelor of Science degree in Ocean Engineering from the United States Naval Academy and served nine years as a Surface Warfare Officer in the US Navy. After his military service, he spent six years in the defense industry, including consulting to the Navy at Booz Allen Hamilton and business and product development at Ocean Systems Engineering Corp/QinetiQ North America. He holds several professional designations, including Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), Retirement Accredited Financial Advisor (RAFA), and Sports & Entertainment Accredited Wealth Management Advisor (SE-AWMA). Residing in Carlsbad, California, Michael lives with his wife Shawna and their three children. He enjoys outdoor activities such as surfing, skiing, camping in the Sierra Nevada mountains, cooking, fishing, gardening, hunting, and scuba diving.

Alec Nasto is a financial advisor with Raymond James & Associates in Carlsbad, CA, holding a Series 66 designation and eight years of industry experience. He has worked at Merrill, UBS Financial Services, and Lincoln Financial Advisors prior to joining Raymond James. 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 public entities, offering financial planning, non-discretionary investment consulting, and specialized municipal advisory services.

Nigeena Rahmanzai is a financial advisor at Charles Schwab with five years of industry experience. She holds Series 63 and Series 66 licenses and has worked at Charles Schwab, TD Ameritrade, and Lexis Nexis. Outside of finance, she was involved with Black and Pink, an organization active during 2020 to 2022. Charles Schwab serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of advisory, brokerage, custody, and financial planning services with a blend of non-discretionary and discretionary investment options.

Damon Skinner is a Senior Financial Advisor at Merrill Lynch Wealth Management with over 23 years of experience in the financial services industry. He joined Merrill Lynch in 2016 and has developed expertise in providing open and honest guidance to clients, educating them on financial options, and tailoring strategies to their individual goals. His client base includes high net worth families, institutional clients such as 401(k)s, endowments, and foundations. Damon specializes in retirement planning, defined benefit and contribution plans, investment consulting, and asset allocation. He holds a Bachelor's Degree from Purdue University and carries professional designations, including CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Damon is proficient in both English and Spanish and applies his experience from prior roles in business banking and alternative investments to serve his clients effectively. His approach focuses on education, risk management, capital preservation, and wealth accumulation for current and future generations. Damon resides in Oceanside, California, with his wife and twin sons. He is active in his community, volunteering with organizations such as Children's Memorial Hospital, Heal The Bay, Open Eyes Ministries in Nicaragua, Ronald McDonald House, and the Surfrider Foundation. Damon enjoys outdoor activities including surfing, skiing, snowboarding, and football, reflecting his engagement with both professional and personal endeavors.

Jose Ramos is a financial advisor with Ameriprise in San Diego, CA, holding a Series 66 designation and 14 years of industry experience. He has been with Ameriprise and its affiliate Ameriprise Financial Services, Inc. since 2008. Ameriprise offers retirement-income planning services focused on individuals approaching or in retirement who meet certain asset thresholds, providing detailed, tax-smart withdrawal and Social Security claiming recommendations. The firm combines research, modeling, and algorithmic tools to generate personalized plans delivered through a centralized consulting team.

John Ellis is a CFP® professional with 18 years of industry experience, currently serving as an advisor at LPL Financial since 2018. His prior experience includes roles at Lucia Securities, LLC, RJL Wealth Management, LLC, and Raymond J. Lucia Companies, Inc. based in San Diego, CA. Outside of his advisory work, he operates Ellis Financial Group, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides a broad range of financial planning and advisory services through a large network of representatives. The firm serves individuals, retirement plans, banks, and institutions with diverse investment strategies and integrated financial solutions.

Gabrielle Dubick is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 licenses and seven years of industry experience. She has worked at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, using a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Matthew Costanzo is a financial advisor with Cetera, holding Series 63 and Series 65 licenses and bringing 17 years of industry experience. He has worked with Cetera Advisors LLC since 2013 and also operates Costanzo Financial Group as COO and advisory representative. Additionally, he provides consulting services on mergers and acquisitions, leadership, and process improvement, and volunteers with Volunteers of America. Cetera Investment Advisers LLC is a nationwide SEC-registered firm serving individual, retirement plan, corporate, charitable, and institutional clients. The firm offers a multi-manager platform including discretionary and non-discretionary portfolio management, financial planning, and access to third-party managers.

Michael Mckenzie is a financial advisor at UBS Financial Services with 24 years of industry experience. He holds the Series 66 designation and has worked at UBS Financial Services since 2017, following a brief period at RBC Capital Markets. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management, offering a broad range of capital markets services and proprietary research.

Kha Hoang is a financial advisor at LPL Financial with 10 years of industry experience and holds a Series 66 designation. His prior work includes roles at Prudential Insurance Company of America, Pruco Securities, LLC, and Edward Jones. He has a side involvement in real estate rental activities in Lakeside, California. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides financial planning, portfolio management, and institutional platforms to individuals, retirement plans, banks, and trust companies. The firm supports advisors with research, third-party subadvisors, and technological tools while offering an array of non-advisory financial services.

Debora Meskell is a financial advisor at Edward Jones with 14 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2012. Outside of her advisory role, she is a signatory for a real estate holding company involved in building a new office. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages approximately $1.01 trillion in assets through a large nationwide network of advisors and branch offices, offering a range of advisory and investment solutions under a fiduciary standard.

Jack Plew is a financial advisor with J.P. Morgan Securities in Del Mar, CA, holding Series 63 and Series 66 licenses and two years of industry experience. His prior roles include positions at Merrill Lynch and Northwestern Mutual. J.P. Morgan Securities LLC offers investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset allocation modeling with centralized due diligence and an ESG eligibility framework. The firm’s approach includes recommending approved funds and strategies on a non-discretionary basis while incorporating specialized registrations that allow access to a broad range of products.