Todd Vitale is a financial advisor with Wells Fargo Clearing, holding a Series 63 credential and bringing 38 years of industry experience. His career includes positions at Morgan Stanley from 2008 to 2015 and UBS Financial Services from 1997 to 2008. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting. The firm manages roughly $671 billion in assets and offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party data sources.

Manuel Contreras is a financial advisor at J.P. Morgan Securities with seven years of industry experience. He holds Series 66 and Series 63 licenses and has worked at firms including New York Life Insurance, Northwestern Mutual, and Wells Fargo. Outside of his advisory role, he is involved in event planning and luxury restroom services businesses, as well as holding an alcohol and beverage license for private and social events. J.P. Morgan Securities provides institutional consulting services primarily to plan sponsors, corporations, and endowments, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by a centralized manager solutions team.

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.

Jennifer D'Amico is a financial advisor at LPL Financial with 23 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including Merrill and Wells Fargo Clearing. Outside of her advisory role, she operates JD Consulting, a non-investment-related business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Geoffrey Lemoine is a Series 66-licensed financial advisor with 10 years of industry experience. He is currently with LPL Financial and previously worked at Wells Fargo Clearing and Cetera Financial Specialists. 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, third-party asset management, and institutional platforms, combining advisory services with extensive non-advisory financial activities.

Brian Field is a financial advisor at LPL Financial with 25 years of industry experience. He holds Series 63 and Series 66 designations and has worked at LPL Financial since 2012, also serving at Lifetime Financial Advisors, Inc. since 2014. In addition to his advisory role, he has business activities related to non-variable insurance with Policy Genius and North American Company. 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, portfolio management, and institutional platforms, utilizing both proprietary and third-party strategies.

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 Series 66 licensed financial advisor at J.P. Morgan Securities with 22 years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2018, and previously spent 12 years at Northern Trust Securities, Inc. and Northern Trust Bank. Larsen is also an officer of Villa Palma, LLC, an entity that operates residential apartment buildings in San Diego, and serves as a board member on the finance committee of the Hualalai Ohana Foundation, a nonprofit organization. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research to develop model asset allocations and incorporates ESG considerations within a broader derivatives and commodities capability.

Colin Wren is a financial advisor at LPL Financial with 35 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Wells Fargo Clearing, UBS Financial Services, and A. G. Edwards & Sons, Inc. since beginning his career in 1997. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves 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, supported by extensive operational tools and a broad network of over 22,800 advisors.

Nicholas Anderson is a financial advisor with J.P. Morgan Securities in Carlsbad, CA, holding Series 63 and Series 66 designations and 14 years of industry experience. He has been with J.P. Morgan Securities since 2012 and has also worked with JPMorgan Chase Bank, N.A. since 2011. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting. Their approach combines quantitative and qualitative research, uses forward-looking capital market assumptions, and includes an ESG eligibility framework in their recommendations.

Elizabeth Sanchez is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 18 years of industry experience. She has worked at Wells Fargo Clearing since 2019 and has prior experience with Morgan Stanley, Morgan Stanley Private Bank, Merrill, Invest Financial Corporation, and Banc of America Investment Services. 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 offers both brokerage and advisory solutions supported by research from Wells Fargo Investment Institute and third-party sources.

Claudio Robertson is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 66, Series 65, and Series 63 licenses and bringing 15 years of industry experience. He has held positions at firms including Upriver Capital Management and Private Investment Bank prior to joining J.P. Morgan Securities in 2021. He also has concurrent roles at JPMorgan Chase Bank, N.A. J.P. Morgan Securities provides institutional consulting services focused on written asset allocation advice, investment manager and fund searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative screens and qualitative research to build model asset allocations and includes broader derivatives and commodities capabilities uncommon among similar institutional programs.

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.

Rebecca Dempsey is a financial advisor with Raymond James & Associates holding a Series 66 credential and two years of industry experience. Prior to joining Raymond James, she worked at Stifel Financial Corp. and has part-time experience as a bartender. Rebecca is based in Oceanside, CA. Raymond James & Associates is a large dually registered broker-dealer and SEC-registered investment adviser serving a broad client base including individuals, institutions, and municipal entities. The firm offers financial planning and consulting services supported by a range of portfolio management styles and affiliated research.

Donna Luna De La Fuente is a Senior Financial Advisor at Merrill Lynch Wealth Management, where she has built a career spanning over 40 years. She began her financial services career in 1978 with Merrill and has developed extensive experience in wealth management, retirement planning, and portfolio management. Donna holds Series 7 and 66 FINRA registrations and a Personal Investment Advisor (PIA) designation. Throughout her career, Donna has focused on creating customized financial strategies by listening closely to her clients' goals and needs. She has held various roles within the industry, including over 20 years in management leadership positions, where she led offices, mentored advisors, and supported teams in delivering financial guidance. Her approach emphasizes a long-term perspective, helping clients build, preserve, and transfer wealth with confidence. Donna holds a High School Diploma from Patrick Henry and is involved with the Women's Exchange community. Outside of her professional work, she enjoys gardening, traveling, practicing yoga, and spending time with her family.

Andrew Costanzo is a financial advisor at Cetera with over 55 years of industry experience. He holds the ChFC® and Series 63 designations and has been affiliated with Cetera since 2013. In addition to his role at Cetera, he owns Costanzo Consulting LLC, a financial services firm focused on client reviews and onboarding. Cetera Investment Advisers LLC serves a broad range of clients, including individuals, employer-sponsored retirement plans, corporate and charitable entities, and institutional accounts. The firm offers both discretionary and non-discretionary portfolio management, financial planning, and access to various third-party managers through a multi-manager platform.