John Steccato is a financial advisor with Equitable Advisors in Carlsbad, CA, holding a Series 66 designation and 24 years of industry experience. He has worked at Equitable Advisors and its predecessor, Axa Advisors, since 2001. Equitable Advisors serves individual clients, including both non-high-net-worth and high-net-worth individuals, as well as pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients. The firm offers financial planning, retirement plan consulting, and asset-management programs through a network of Investment Adviser Representatives, utilizing firm-offered and third-party advisory programs.

Ryan Ashton is a financial advisor with Wells Fargo Clearing based in Carlsbad, CA, holding a Series 66 designation and 19 years of industry experience. Prior to joining Wells Fargo in 2019, he worked at Morgan Stanley Private Bank from 2015 to 2019. Outside of his advisory role, he owns and manages several restaurant-related businesses in California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory services. The firm’s process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Jennifer Bracey is a Series 66-registered financial advisor with 17 years of industry experience. She is currently affiliated with OSAIC and Bishoff Financial Group, having previously worked at Ameriprise for several years. Outside of her advisory work, she serves as an adjunct instructor at Ouachita Baptist University, teaching online business courses in consumer behavior and accounting. OSAIC is a large financial services firm serving a diverse client base that includes individual investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to offer a range of investment solutions tailored to clients’ needs.

Laura Pomeroy is a Wealth Management Advisor at Merrill Lynch Wealth Management. She has been in the financial services industry since 1998 and joined Merrill Lynch in 2006. Laura specializes in retirement planning, focusing on creating financial strategies for high-net-worth individuals, their families, and businesses to help them achieve both short- and long-term financial goals. Her approach to wealth management is consultative, involving thorough review of client financial situations, preferences, and objectives; providing tailored asset allocation recommendations; and conducting ongoing discussions on investments, retirement planning, estate services, and philanthropy as appropriate. Laura holds the Accredited Asset Management Specialist (AAMS), Chartered Retirement Planning Counselor (CRPC), and CERTIFIED FINANCIAL PLANNER (CFP) designations, along with Series 7 and 66 FINRA registrations. She earned a Bachelor of Science degree in History from Brigham Young University. Laura lives in San Diego with her husband, Tim, and their three children. In her personal time, she enjoys cooking, playing pickleball, reading, and spending time with her family.

Joseph Rotta is a CFP®-designated financial advisor with 41 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2009 and previously spent time at Wells Fargo Clearing and A. G. Edwards & Sons, Inc. He is based in Carlsbad, CA. Stifel serves a diverse client base, including individuals, institutional clients, and municipal entities, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Daniel Lee is a financial advisor at LPL Financial with 26 years of industry experience. He has held positions at Western International Securities, Financial West Group, and Torrey Pines Securities prior to joining LPL Financial in 2025. Lee holds Series 63 and 65 licenses and also operates DCL Financial Services, Inc., an investment-related business entity. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Michael Bradshaw is a financial advisor at Raymond James & Associates with 52 years of industry experience. He previously worked at Merrill for 45 years and Bank of America for 12 years. Bradshaw holds Series 63 and Series 65 licenses and is based in San Diego, CA. Raymond James & Associates, Inc. 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, investment consulting, and institutional fiduciary solutions through a range of portfolio management styles and affiliated research.

Andrew Roybal is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 30 years of industry experience. He worked at Uboc Investment Services, Inc. for 24 years before joining LPL Financial in 2020. 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 and model portfolio programs, utilizing both proprietary research and third-party subadvisors.

Marwan Al Ashi is a Series 66 licensed financial advisor with Edward Jones, based in San Marcos, CA. He has several years of experience in financial services including roles at Bank of America and Chase Bank, and joined Edward Jones in 2025. Outside of advisory work, he manages a rental property in Escondido, CA. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including high-net-worth households and charitable organizations. The firm offers a range of advisory programs and investment strategies, supported by a large network of financial advisors and branch offices nationwide.

Michael Valentini is a financial advisor at J.P. Morgan Securities LLC with four years of industry experience. He holds Series 65 and Series 66 licenses. Prior to joining J.P. Morgan, he worked at Bank of America and Merrill Lynch. Outside of his advisory role, he occasionally performs as a bassist with a corporate and wedding band in San Diego. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Holly Peterson Hall is a financial advisor with Ameriprise Financial Services, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. She has been with Ameriprise since 2005, working across multiple affiliated entities within the firm. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides written recommendation reports and ongoing planning advice focused on retirement income, utilizing a centralized team that collaborates with the client’s advisor while relying on proprietary research and third-party data.

Thomas Wyckoff is a CFP® and CFA® credentialed financial advisor with 16 years of industry experience. He is currently with LPL Financial, where he has worked since 2020. Prior to this, he held roles at Validus Growth Investors, Pinhook Capital, Lucia Securities, and Lucia Capital Group. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to 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 advisers, utilizing various portfolio strategies and technology tools.

Paul Curnutte is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He has worked at LPL Financial since 2007 and previously spent seven years at Merrill. Outside of his advisory role, he is a member and business owner of Townes & Co, a non-investment-related home-based venture. 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 and third-party asset management, supported by a large network of investment adviser representatives.

Monette Marino is a Senior Financial Advisor at Merrill Lynch Wealth Management, having joined the firm in 2012. She works as part of the Buchanan/Sims/Essick/Marino & Associates Team and focuses on portfolio strategy, asset allocation, retirement planning including 401k and IRA services, estate planning, charitable giving, home refinancing, and custom lending (NMLS#1073810). She collaborates with specialists within both Bank of America banking services and Merrill Lynch Wealth Management to provide clients with comprehensive financial recommendations. Ms. Marino has over 20 years of experience as the CEO of a non-profit arts corporation and the owner of a music production company in San Diego. She utilizes this background to help clients develop asset and liability strategies tailored to their personal and business financial goals. Ms. Marino holds a Bachelor's Degree from the University of California San Diego and a Master's Degree from San Diego State University. She is a third-generation native of San Diego and is fluent in French and Italian. Her professional designations include CERTIFIED PLAN FIDUCIARY ADVISOR (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Ms. Marino is involved with the Mo'Rhythm School of Percussion and participates in community initiatives such as SPOT Saving Pets One at a Time. Her personal interests include dancing, music, painting, running, skiing, and watching movies.

Peter Huffman is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has worked since 2008. He specializes in comprehensive wealth management with a focus on Behavioral Finance and how financial and investment decisions affect individuals and families. His expertise encompasses family wealth management strategies, philanthropic planning, socially responsible investing, and liquidity management among other areas. Before joining Merrill Lynch, Peter spent five years in Africa and Asia working in managerial roles for the Clinton Health Access Initiative (CHAI), including serving as Country Director for Ethiopia where he managed one of the largest HIV/AIDS care and treatment programs worldwide. He also acted as the principal liaison for official visits by former President William J. Clinton to Africa. Peter is engaged in philanthropy through board service and co-founding a nonprofit focused on youth empowerment and health services in South Africa and Ghana. Peter holds a bachelor's degree in psychology from Willamette University in Salem, Oregon and is a Personal Investment Advisor. He has been recognized as a Top 1200 Financial Advisor by Barron's, a Best in State Wealth Advisor by Forbes, and included in On Wall Street's Top 40 Under 40. Peter lives with his wife and their two children.

Andrew Null is a Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2020. He has been with Fidelity Investments since 2013, progressing through various roles including Financial Consultant, Investment Consultant, Investment Solutions Representative, and Service Trader. Throughout his career, Andrew has focused on assisting clients in achieving their financial goals while helping them avoid common pitfalls. He holds a California Insurance License, which supports his work in providing comprehensive financial advice. Andrew is committed to building trust and confidence with his clients as he guides them through their financial planning journeys.

Samuel Bever is a financial advisor with Raymond James & Associates, holding a Series 66 designation and ten years of industry experience. His career includes roles at Merrill, Forge Markets LLC, and Raymond James, where he has worked since 2020. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, pension plans, and municipal entities, offering financial planning and consulting with a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Allison Wong is a financial advisor with Merrill in Rancho Santa Fe, CA, holding a Series 66 designation and seven years of industry experience. She has been with Bank of America and Merrill since 2010. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to fiduciary clients of Bank of America. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Chelsea Newell is a CFP® professional with six years of industry experience, currently an advisor at Osaic Wealth, Inc. She has held roles at several firms, including Woodbury Financial Services and Northwestern Mutual. Outside of financial advising, she is active as a social media influencer, creating content related to lifestyle products and venues. Osaic Wealth, Inc. serves a broad mix of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management across multiple investment types.

Mazen Abifaker is currently serving as a Vice President Private Wealth Management Advisor at Fidelity Investments, a role he has held since 2022. In this capacity, he collaborates with multi-generational families to co-create personalized wealth plans aimed at growing, preserving, and transferring their wealth. Mazen has been with Fidelity Investments since 2010, progressing through various roles including Financial Consultant and Investment Consultant, which has provided him with extensive experience in financial advisory and wealth management. Prior to joining Fidelity, he worked as a Bank Teller at Wells Fargo Bank from 2009 to 2010. He holds a California Insurance License, underlining his professional qualifications in the financial services sector.