Sarah Montoya is a Series 66-licensed advisor at Morgan Stanley with 15 years of industry experience. She has been with Morgan Stanley Smith Barney LLC and Morgan Stanley Private Bank, National Association since 2015, and previously worked at Merrill from 2011 to 2013. Montoya serves as a board member for the University of California, San Diego, and is a member of M.M. Bodega, LLC, a retail and art-related business in Carlsbad, California. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm uses structured discovery conversations and approved planning tools, offering a range of investment and planning services without providing individual security recommendations as part of standalone financial plans.

Joseph Macdougall is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. His prior roles include positions at Cavanaugh Financial, Cal Ice Ventures, LLC, and Cavanaugh Financial Group. Outside of his advisory work, he is a partner in JWM Holdings, Inc., where he breeds and races horses. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual and institutional clients. The firm offers tailored, non-discretionary planning and supports a broad range of clients through its extensive advisor network and specialized programs.

Christopher Fenimore is a Series 66 licensed financial advisor with 17 years of industry experience. He has worked at Thrivent Financial for Lutherans and Thrivent Investment Management since 2008. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers holistic, goal-based financial planning covering a wide range of topics, with options to combine planning and managed account services under a consolidated billing arrangement called “WealthPlan.”

Jon Schmauss is a financial advisor at Morgan Stanley with 58 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and with Morgan Stanley Smith Barney since 2009. He holds the Series 63 and Series 65 designations and is based in Rancho Santa Fe, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning and estate strategies, managing approximately $2.74 trillion in client assets.

Terrance Blessing is a financial advisor at Stifel with 26 years of industry experience. He holds the Series 66 designation and has been with Stifel Nicolaus & Co Inc since 2009. Stifel serves a diverse client base including individuals, institutional clients, charitable organizations, and municipal entities, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing clients with asset allocation and retirement planning analyses to support their decision-making.

Garrett Ringlever is a financial advisor with LPL Financial in San Diego, CA, holding Series 65 and Series 63 licenses and two years of industry experience. Prior to joining LPL Financial, he held positions at Primerica Advisors, Primerica Financial Services, and QualiCare. Outside of his advisory role, he maintains employment with QualiCare. 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 provides a range of financial planning and investment management services through a large network of advisors and utilizes various strategic and tactical portfolio approaches.

Steven Freeman is a financial advisor at Fidelity with 18 years of industry experience. He holds Series 63 and Series 66 credentials and has been with Fidelity Investments since 2007 in various roles. Fidelity’s Strategic Advisers LLC offers 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, quantitative analysis, and algorithmic portfolio construction to deliver model portfolios from a broad investable universe, with oversight of sub-advisers and conflict-of-interest controls.

Victoria Kugler is a financial advisor at Stifel with 18 years of industry experience. She has held her current position at Stifel Nicolaus & Co. Inc. since 2008 and holds a Series 66 designation. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and asset allocation methodologies.

Clark Lacerda is a financial advisor at UBS Financial Services with seven years of industry experience. He holds Series 63 and Series 66 designations and has previously worked at Wells Fargo Clearing, JPMorgan Chase Bank, J.P. Morgan Securities, and Bank of America. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor client solutions.

James Lindsay is a financial advisor at Osaic Wealth with 14 years of industry experience. He holds Series 63 and Series 65 credentials. Prior to joining Osaic in 2023, he worked at SagePoint Financial for ten years and has been associated with Guardian Life Insurance Company for over a decade. Outside of his advisory role, Lindsay owns and manages an independent plane club and operates a custom T-shirt business. Osaic Wealth serves a varied client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a multi-advisor platform with both brokerage and advisory services, emphasizing model-based asset allocation and portfolio optimization supported by multiple investment strategies and custodial arrangements.

Brad Sherman is a financial advisor at Morgan Stanley with a Series 66 designation and four years of industry experience. Prior to joining Morgan Stanley, he served 22 years in the U.S. Marine Corps and has held roles in companies including Flower Drop, LLC and Compass Airlines, LLC. He also serves on the advisory board of a media production company, Kyro Digital. Morgan Stanley Wealth Management provides a range of advisory programs to individual and institutional clients, offering tailored financial planning through structured discovery conversations and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines retail and institutional services with additional investment and trading activities.

Thomas Vieira is a financial advisor at Osaic with 32 years of industry experience. He previously spent 21 years at Lincoln Financial Advisors Corporation. Vieira is involved in managing insurance products and serves as a co-trustee for family revocable trusts as well as a trustee for a 401(k) plan. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers a range of brokerage and advisory programs with a model-based investment process that supports asset allocation, portfolio optimization, and integration of third-party money managers.

Bruce Baker is a financial advisor with Stifel who holds a Series 63 designation and has 37 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2008. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach relies on a proprietary methodology developed by its Investment Strategy Group, which uses forward-looking capital market assumptions and probabilistic modeling to support asset allocation and financial planning analyses.

Michael Puente is a financial advisor at Stifel with 35 years of industry experience. He has worked at Stifel Nicolaus & Co Inc since 2009. Outside of his advisory role, Puente is an artist. Stifel serves a broad range of clients including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning guidance.

Craig Kaiser is a financial advisor at Morgan Stanley with 18 years of industry experience. He has been with Morgan Stanley Smith Barney since 2009 and with Morgan Stanley Private Bank, National Association since 2015. In addition to his advisory work, Kaiser owns rental property in Carlsbad, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning and utilizes firm-approved planning tools and modeling techniques as part of its services.

Darcy Wolfe is a CFP® with 12 years of experience at Edward Jones in Carlsbad, CA. Prior to joining Edward Jones in 2014, he served 20 years in the U.S. Navy/Reserves. 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 and offers a broad range of advisory and investment services through a large national network of advisors and branch offices.

Steven Adkinson is a Managing Director and Private Wealth Manager at Merrill Private Wealth Management, based in La Jolla, California. He advises ultra-affluent individuals, families, and foundations, providing personalized wealth management strategies that align with clients' long-term financial goals. Steven's approach includes creating flexible financial strategies that adapt to changing market conditions, leveraging the investment insights of Merrill and the banking and lending solutions of Bank of America. Steven joined Merrill in 2008 after serving as a Senior Vice President at Morgan Stanley from 2000 to 2008. His expertise includes corporate benefits, corporate executive services, employee benefits planning, managing new wealth, and personal retirement planning. He holds a Bachelor's Degree from the University of California at Santa Barbara and carries the Personal Investment Advisor (PIA) designation. Beyond his professional work, Steven is actively involved in his community, serving as a board member for the Free Wheelchair Mission and Operation Homefront. In his personal time, he enjoys golfing, practicing yoga, and spending time with his family.

Kathryn Bannister is a financial advisor at Morgan Stanley with 32 years of industry experience. She has held roles at Morgan Stanley Smith Barney since 2009 and previously worked at Citigroup Global Markets from 1997 to 2009. She holds a Series 63 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm provides a wide range of advisory programs and financial planning services that incorporate structured discovery and planning tools, managing approximately $2.74 trillion in client assets.

Afick Sharar is a financial advisor at Morgan Stanley with 25 years of industry experience. He holds the Series 66 designation and has been affiliated with Morgan Stanley entities since 2008. Sharar operates out of Carlsbad, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and combines broad retail and institutional services with specialty activities such as private funds and principal trading.

Michael Sorenson is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and over 37 years of industry experience. His prior work includes positions at The Wealth Advisors, VOYA Financial Advisors, and Transamerica Financial Advisors. Outside of financial services, he sponsors an educational website about the art of his late brother and serves as an independent insurance agent for fixed insurance products. 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 wide range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisers with advanced operational and research tools.