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.

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.