Huiling Zhang is a financial advisor at Morgan Stanley with a Series 66 credential and one year of experience at the firm. Prior to joining Morgan Stanley in 2025, Zhang was with Zenth View Inc for six years. Morgan Stanley Wealth Management serves individual and institutional clients with a wide range of advisory programs, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured discovery conversations and firm-approved planning tools to support clients in developing and implementing financial plans.

Victor Koby is a financial advisor with LPL Financial, holding Series 63 and Series 66 licenses and bringing 42 years of industry experience. He previously worked at Ameriprise Financial Services, Inc. for 10 years prior to joining LPL Financial in 2019. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management alongside research and model portfolios.

William Roche is a financial advisor at Charles Schwab with 12 years of industry experience. He holds the Series 66 designation and has worked at Charles Schwab Bank and Charles Schwab & Co., Inc. since 2022, following six years at TD Ameritrade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a broad range of integrated custody, brokerage, and advisory services.

Joseph De Falco is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. He previously worked at Ameriprise Financial Services for 11 years before joining Wells Fargo in 2020. Outside of his advisory role, he is the majority owner of DKM Enterprises, LLC, an investment-related business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s approach is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Stephen Anderson is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 66 designations and 15 years of industry experience. He has been with Cambridge Investment Research Advisors and Cambridge Investment Research, Inc. since 2019 and previously worked at FSC Securities Corp from 2015 to 2019. Outside of his advisory role, Anderson is owner and president of Anderson Wealth Management Corp, a firm providing tax and legal liability services, and he is also an independent insurance agent. Cambridge Investment Research Advisors is a large SEC-registered adviser serving a diverse client base including individuals, pension plans, charitable organizations, and trusts. The firm offers financial planning, investment management, and retirement plan advisory through a network of independent professionals and uses a range of portfolio management strategies across multiple custody platforms.

Michael Steelman is a Wealth Management Advisor with over 25 years of experience in investing and wealth management. He works closely with business owners, company founders, senior executives, and their families to pursue their life goals through a purposeful approach to wealth, careers, and legacies. Michael provides oversight of his clients' financial affairs, helping them regain precious time to focus on their personal and professional priorities. He also contributes to investment selection and team oversight within his team and facilitates access to an integrated approach through wealth management, investment banking, commercial banking, and personal banking services at Bank of America. Michael began his career in New York City in 1994, focusing on financial strategies for institutional and high-net-worth individuals, families, and foundations. He also has experience raising capital for hedge fund and private equity firms. He holds the Certified Investment Management Analyst® designation awarded by the Investments & Wealth Institute™ in conjunction with the University of Pennsylvania’s Wharton School and earned a Bachelor's degree in International Business from King's College in Pennsylvania, where he was an Academic-All-American wrestler. He has received national recognition, including being named in Forbes' "Best-In-State Wealth Advisors" list in 2022. Within his community, Michael is a member of the CFO Roundtable and supports First Step House of North County and the Challenged Athletes Foundation. He and his wife Stephanie live in Carlsbad and have three sons and identical-twin daughters. In his free time, Michael enjoys running, surfing, practicing yoga, coaching his children's sports teams, and participates actively in the triathlon community as a two-time Ironman triathlon finisher through both racing and fundraising.

Erin Johnson is a CFP®-certified financial advisor with 18 years of industry experience, currently affiliated with LPL Financial. Prior to joining LPL Financial, Erin worked at Agia and Valic Financial Advisors. Outside of advising, Erin is involved with GradePoint Insurance Group LLC, a non-variable insurance business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, corporations, and nonprofits through a national network of representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and specialized services for institutional clients.

Bruce Bandemer is a financial advisor with Equitable Advisors in Carlsbad, CA, holding a Series 66 designation and over 26 years of industry experience. He has been with Equitable Advisors since 2005 and maintains a separate accounting practice through Bandemer Accountancy Corporation, where he serves as owner and president. Bandemer is also involved in community and local governance activities, including serving on the board of directors for the Carlsbad Rotary Foundation and as president of the Bressi Ranch Home Owners Association. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through third-party programs. The firm uses a hybrid referral and implementation model that incorporates multiple third-party asset managers and offers both advisory and brokerage services.

Kathy Petersen is a financial advisor with Merrill in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. Her career includes roles at Bank of America N.A., Merrill, Securities America, Inc., and KMS Financial Services, Inc. She is also involved in providing administrative, marketing, and business development support through Prosperity Wealth Management. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services to Bank of America fiduciary clients via the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with both model-based and discretionary investment strategies.

Valerie Arenas is a financial advisor at J.P. Morgan Securities with 13 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2008. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Craig Cohn is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 license and bringing 25 years of industry experience. His prior roles include positions at Independent Financial Group, LLC and Commonwealth Financial Network. Outside of his advisory work, he is the sole owner of a business entity, COHN & COMPANY INC., which is non-investment related. LPL Financial is a national SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations. The firm offers a range of financial planning and advisory programs, combining discretionary and non-discretionary management with access to model portfolios and research.

Randy J. Taylor is a Senior Financial Advisor and First Vice President at Merrill Lynch Wealth Management, where he has been a part of the firm for nine years within his 17-year career in financial services. He holds the Chartered Retirement Planning Counselor™ (CRPC) designation and serves as a founding member and one of three senior partners of the Merrill Lynch Wealth Management team, Taylor & Associates. Randy and his team provide clients with a comprehensive wealth management service model, emphasizing work ethic, dependability, trust, and accessibility. Randy works closely with business owners, senior executives, physicians, families, and beneficiaries of generational wealth, focusing on personalized wealth management strategies that are disciplined, purposeful, and tax efficient. His team's expertise covers personal financial planning, lending, business acquisitions, private business sales, custom lending, and business transitions with tax efficiency considerations. He also coordinates with clients’ external advisors such as estate planning attorneys and CPAs and offers access to additional services through Bank of America, including Investment Banking, Commercial Banking, and Personal Banking. Randy’s educational background includes a High School Diploma from Torrey Pines High School and attendance at Liberty University. He holds the Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA) professional designations. Outside of his professional life, Randy is a husband and father to three children. He enjoys fitness activities such as playing pickleball and surfing, as well as writing and performing original music. Traveling and making memories with his family are among his personal interests.

Jeff Prichard is a financial advisor with LPL Financial in Cardiff, CA, holding Series 63 and Series 65 credentials and 25 years of industry experience. He has previously worked with Global Atlantic Financial Group and its distributor entity from 2016 to 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients including individuals, retirement plans, banks, and corporations through a national network of investment adviser representatives. The firm offers comprehensive financial planning and advisory programs, utilizing both discretionary and non-discretionary management supported by in-house and third-party research.

Hillary Clarke is a Financial Consultant at Fidelity Investments, a position she has held since 2022. In her role, she focuses on developing personalized financial strategies tailored to clients' risk tolerance, liquidity needs, and time horizons to support their unique life goals. Hillary holds a California Insurance License, which complements her financial consulting expertise. Outside of her professional work, she engages in personal interests such as gardening, tennis, traveling, and volunteering.

Hayley Higgins is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 30 years of industry experience. She has worked with LPL Financial since 2014 and was previously affiliated with Stratos Wealth Partners, Ltd. Outside of her advisory roles, she has been involved in providing investment advisory services through Stratos Wealth Partners, an independent registered investment advisory firm. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary portfolio management, supported by internal research and third-party subadvisors.

Gerald Brown is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and over 12 years of industry experience. He has worked with various divisions of JPMorgan Chase since 2009. Outside of his advisory role, he is involved in selling sports memorabilia through an e-commerce platform. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. As a subsidiary of J.P. Morgan, the firm combines institutional advisory operations with brokerage and investment management capabilities.

Lauren Peck is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 13 years of industry experience. She has been with J.P. Morgan Securities LLC since 2016. Outside of her advisory role, she manages short-term rental properties through Airbnb. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Daniel Gardner is a Planning Consultant at Fidelity Investments, a position he has held since 2025. Prior to this role, he worked as a Relationship Manager at Fidelity Investments from 2024 to 2025 and as a Financial Consultant at Equitable Advisors, LLC from 2021 to 2024. He holds a California Insurance License. Daniel emphasizes a client-centered approach to financial planning, focusing on listening and understanding his clients' goals and values. He aims to co-create strategies that align with what matters most to his clients, and he prioritizes making complex financial topics accessible and understandable. Outside of his professional work, Daniel enjoys activities such as golf, spending time at the lake, and watching movies.

Alan Willenbrock is a CFA® charterholder with 23 years of industry experience, currently serving as a financial advisor at Ameriprise since 2019. His prior roles include positions at Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Outside his advisory work, he serves on an advisory committee for UA Venture Capital Find III, which involves reviewing valuations and fairness of fund acquisitions. Ameriprise provides retirement-income planning services targeted at individuals approaching or in retirement with significant investable assets. The firm combines research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Eric Aguirre is a Wealth Management Advisor at Merrill Lynch Wealth Management. He specializes in providing comprehensive wealth management strategies tailored to senior corporate executives, business owners, and professional athletes. Eric focuses on helping clients anticipate key decision points, unify various aspects of their wealth, and implement disciplined financial decision-making. His expertise includes pre- and post-IPO strategies, 10b5-1 trading plan design and administration, stock option analysis, liquidity management, and private-business sales. He also offers a tax-sensitive approach to wealth creation, next-generation wealth transfer, and philanthropic planning. Eric began his career at Merrill Lynch Wealth Management in 2006 and joined Merrill's advisory division in 2012. He holds several professional designations including the Certified Private Wealth Advisor® (CPWA®), Certified Equity Professional (CEP), Equity Plan Consultant (EPC), Personal Investment Advisor (PIA), and the Sports & Entertainment (SE) designations. Eric earned a Bachelor of Science degree in Finance and Entrepreneurship from the University of Arizona. His previous experience includes working as an equity research analyst and assisting companies with corporate equity compensation plans. Outside of his professional responsibilities, Eric is actively involved in community organizations such as the National Center for Employee Ownership, the National Association of Stock Plan Professionals, and the Guillain-Barré Foundation. He resides in Carlsbad with his wife Chelsea and their two sons. In his free time, Eric enjoys coaching football and baseball teams, playing golf, and traveling to tropical destinations.