Eduardo Villagrana is a financial advisor with J.P. Morgan Securities in Carlsbad, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank since 2016, as well as a position at Uber from 2015 to 2017. Outside of his advisory work, he is a partner in personally owned rental real estate properties. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes a range of strategies supported by affiliates with broader derivatives and commodities capabilities.

Irene Gomez Ramirez is a financial advisor with LPL Financial in Vista, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Her prior experience includes nine years at Wells Fargo Clearing before joining LPL Financial in 2025. 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, and access to third-party asset managers, supporting advisors with a range of discretionary and non-discretionary strategies across various asset classes.

Robert Binkowski is a financial advisor with Ameriprise in Vista, CA, holding a Series 66 designation and 16 years of industry experience. Prior to joining Ameriprise in 2023, he worked at Arete Wealth Management LLC and Axxcess Wealth Management LLC from 2015 to 2023. He is also involved in independent insurance brokering, specializing in universal life insurance. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm provides written recommendation reports combining research, modeling, and tax-efficiency analysis, with a focus on assets managed within Ameriprise accounts.

Radia Hunter is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Ameriprise since 2013. She holds Series 63 and Series 66 licenses and is based in Carlsbad, CA. Hunter serves as Community Service Chair on the Board of Directors for Encinitas Rotary. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Kristi Brooks is a financial advisor at Fidelity with eight years of industry experience. She holds a Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2018, previously spending five years at Bonotel Exclusive Travel. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm combines proprietary fundamental research with quantitative and algorithmic portfolio construction to deliver model portfolios, and it engages in active oversight and advisory roles uncommon among large institutional peers.

Mitchell Mammini is a CFA® charterholder and financial advisor with seven years of industry experience. He is currently with LPL Financial and previously worked at firms including Commonwealth Financial Network, Alliance Bernstein, and Merrill Lynch. He also has entrepreneurial experience through the Mammini Company. 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 offers a range of advisory and brokerage services, including financial planning and access to various investment platforms, supported by a large network of investment adviser representatives.

Richard Nolan is a financial advisor at Osaic Wealth with 25 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Sagepoint Financial, Inc. for 14 years. Nolan is involved in trust and estate planning through Citadel Law Office and holds several board and ownership roles in companies related to tax preparation, insurance, and investment management. He also serves as an HOA board treasurer in a volunteer capacity. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment approach with tools for asset allocation and portfolio optimization, operating at a large scale with a complex affiliate network and private-equity ownership.

David Henesey is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leverages nearly 20 years of experience in the financial services industry to help individuals, families, and corporations identify financial goals, create comprehensive wealth management plans, and execute those plans effectively. His approach emphasizes a personal touch and building relationships to support clients in achieving their objectives. David's expertise includes college education planning, executive compensation, equity compensation services, family wealth management strategies, retirement income, and portfolio management services. He holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, the Personal Investment Advisor designation, and FINRA Series 7 and 66 registrations. He earned a Bachelor of Arts degree from Rollins College and an MBA from Babson College. Originally from the Boston area, David now resides in San Diego with his wife and two children. Outside of his professional work, he enjoys golfing, skiing, and spending time with his family.

Kent Borsch is a financial advisor with Edward Jones in Bonsall, CA, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He has been with Edward Jones since 1999 and has over four decades in the financial services sector, including a long tenure with Provident Mutual Life/Securities. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and supports its clients through a nationwide network of more than 23,000 financial advisors.

William Smith is a CFP®-certified financial advisor with Morgan Stanley, based in San Diego, CA, and has 45 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Prudential Equity Group. Outside of advising, he is a published author of motivational and financial articles and serves on the finance and philanthropy committees of Neighborhood Healthcare, as well as acting as treasurer for the Rotary Club of Escondido. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in assets and operates both as an investment adviser and broker-dealer.

Brian Mancuso is a CFP® professional with 30 years of experience in the financial industry. He has worked at Charles Schwab Bank SSb and Charles Schwab & Co., Inc. since 2006. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to affiliated discretionary separately managed accounts. The firm is notable for its scale, integrated structure, and multi-asset investment approach backed by proprietary research.

Zachary Rogers is a financial advisor with Merrill, holding a Series 66 designation and currently based in Carlsbad, CA. His experience includes roles at Bank of America, OneAmerica, and GoldBook Financial (MassMutual), as well as prior positions outside finance with the Ultimate Fighting Championship and UFC Fit. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, with portfolio options designed and implemented by internal and third-party managers.

Shily Sasinouan is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing seven years of industry experience. She has been with Wells Fargo Clearing since 2010. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Sean McSweeny is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 1992 as a Financial Advisor in Torrance, California, and has been serving as the Senior Resident Director of the Carlsbad office since January 2010. He is part of a team comprising four Financial Advisors and one Wealth Management Client Associate, focusing primarily on investment management. With over 30 years of experience in wealth management, Sean's expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, and tax minimization. His approach centers on collaborating with clients to align their wealth management with seven key life priorities: family, finances, health, home, leisure, work, and giving. Throughout his career, he has developed long-lasting client relationships through customized advice and a disciplined investment approach. Sean holds a Master's degree from the California State University System and a Bachelor's degree in Finance from Loyola Marymount University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Sean resides in San Diego with his wife and three children and enjoys baseball, football, golfing, soccer, and spending time with his family.

Blake Baxter Jr. is a financial advisor with LPL Financial based in Encinitas, CA, holding a Series 66 designation and seven years of industry experience. He is also involved in Baxter Law Corp, a law practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and asset management services, utilizing both proprietary and third-party strategies.

Samer Bordcosh is a financial advisor with Merrill in Carlsbad, CA, holding a Series 66 designation and 20 years of industry experience. He has worked at Bank of America and Merrill since 2012. 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 various organizations.

David Baldwin is a CFP® professional at LPL Financial with 20 years of industry experience. He has previously worked at Edward Jones, Waddell & Reed, Commonwealth Financial Network, and several other firms. Outside of advisory work, he is the author of the book "The Balancing Act, Rewriting your financial script" and provides tax preparation services through his firm Talents Financial Planning and Wealth Management. 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 diverse range of financial planning and investment services, utilizing model portfolios, third-party subadvisors, and customized strategies supported by research and technology tools.

Jacob Auger is a financial advisor at Raymond James & Associates in Carlsbad, CA, holding a Series 66 designation with two years of industry experience. His background includes prior roles at LPL Financial and the Salt Lake Country Club, as well as extended experience in education at Westminster College and La Costa Canyon High School. 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 wide range of clients, including individuals, institutions, and municipal entities, offering financial planning and non-discretionary investment consulting supported by diverse portfolio management styles and affiliated research.

Dekker Stebel is an advisor at LPL Financial based in Encinitas, CA, holding Series 63 and Series 65 licenses with one year of industry experience. Prior to his current role, he worked at PURE Insurance for six years and attended Vassar College. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions through a wide range of advisory and brokerage services. The firm supports its network of advisors with various portfolio and planning options, as well as advanced operational and research tools.

Jacob Margozewitz is a financial advisor with LPL Financial, holding a Series 66 designation and two years of industry experience. His work history includes roles at Grand Canyon University and Point Loma Nazarene University, as well as experience in orthodontics and education before joining the financial industry. 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive research and technology tools.