Lloyd Manzanilla is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Edward Jones since 2012. He holds the Series 66 designation and is based in Carlsbad, CA. 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 range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Tassia Taylor is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her career in the securities industry as a paralegal assisting in the litigation of securities and investment fraud cases on behalf of consumers. After 14 years as a client advocate at a local law firm, Tassia transitioned to financial planning, proactively helping clients achieve their retirement and financial goals. Her experience in the legal field provides her with insight to help clients overcome financial obstacles and identify potential pitfalls. In 2020, Tassia joined Merrill Lynch Wealth Management alongside her husband, Randy. Together, they provide a comprehensive wealth management experience that leverages both Randy's investment and planning expertise and Tassia's legal background. Tassia holds a Bachelor's Degree from Point Loma Nazarene University and the Personal Investment Advisor (PIA) designation. She is fluent in English and Portuguese. Tassia and her husband reside in North San Diego County with their children. They enjoy playing music together, traveling, serving at their local church, and spending time at the beach in their free time. Tassia emphasizes understanding clients' life priorities to create personalized financial plans aligned with their goals and aspirations.

Robert Briones is a financial advisor at Thrivent Investment Management with 14 years of industry experience. He holds a Series 66 designation and has been with Thrivent Financial and Thrivent Investment Management since 2011. Outside of his advisory role, he owns and operates a part-time custom woodworking business, creating furniture and decor for private clients and public sale. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering broad financial planning without portfolio management for institutional clients. The firm delivers holistic, goal-based analyses and allows clients to combine planning with managed-account programs under separate billing.

Ryan Albin is a Vice President, Financial Consultant at Fidelity Investments. He partners with individuals, families, and business owners to support them in working towards their unique financial goals. Ryan holds the designations of CERTIFIED FINANCIAL PLANNER™ and Chartered Financial Consultant, reflecting his advanced training and knowledge in financial planning. Ryan has been with Fidelity Investments since 2015, progressing through roles including Financial Representative, Relationship Manager, Investment Consultant, Financial Consultant, and currently Vice President Financial Consultant. Prior to joining Fidelity, he worked as a Financial Advisor at Edward Jones from 2014 to 2015. He holds a California Insurance License. Outside of his professional role, Ryan has personal interests in art, the beach, football, museums, sailing, and traveling.

Michael Gallop is a financial advisor at LPL Financial with 23 years of industry experience. He holds the CFP® designation as well as Series 63 and Series 66 licenses. Gallop has worked at several firms, including Commonwealth Financial Network and SagePoint Financial, and is co-owner of Terramar Wealth, Inc., a private entity facilitating securities, advisory, and insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individual and institutional clients through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management services, including access to model portfolios, third-party asset managers, and institutional platforms.

Scott O'Connell is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been contributing since 2008. In this role, Scott focuses on developing personalized financial strategies for high net-worth individuals, families, and institutions. His approach takes into account each client’s risk tolerance, time horizon, liquidity needs, investment goals, and cost considerations. Scott offers expertise across a broad range of services including cash management, custom financial strategies, risk management, retirement planning, educational savings plans, estate planning, corporate 401(k) plans, commercial real estate loans, and customized lending through Bank of America, N.A. (NMLS#1537122). Scott holds a Bachelor of Science degree from the College of Liberal Arts and Sciences at Arizona State University. He has earned the Accredited Asset Management Specialist™ (AAMS) certification awarded by the College for Financial Planning Institutes Corp and has completed the Longevity Training Program at the University of Southern California’s Davis School of Gerontology. Additionally, his professional designations include Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). Originally from Apple Valley, Minnesota, Scott currently lives in San Diego, California. Outside of work, he enjoys hiking, fishing, music, reading, and spending time with his family. Scott is engaged in community service and values volunteering with local organizations in alignment with Merrill’s tradition of community participation.

Kyle Tatro is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. His prior work includes roles at Commonwealth Financial Network, Principal Securities, Principal Life Insurance Company, Northwestern Mutual Investment Management, and Morgan Stanley. He is also the owner of Think Financial Wealth Management, Inc., a private entity involved in securities, advisory, and insurance business. 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 broad range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by extensive technology and a large network of advisors.

Spencer Birch is a financial advisor with Edward Jones in San Marcos, CA, holding a Series 66 designation and eight years of industry experience. Prior to joining Edward Jones in 2017, he worked for nine years at Quantum Learning Network. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Joel Thorp is a financial advisor at Morgan Stanley with 13 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2010. Outside of his advisory role, he is co-owner of ZJ Ranch LLC, a land management company focused on unimproved land used primarily for recreation and timber harvesting. Morgan Stanley Wealth Management serves individual and institutional clients with a range of advisory programs, including tailored financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process supported by firm-approved tools and scenario modeling.

Jaclyn Mazur is a CFP® with 22 years of industry experience, currently serving as a financial advisor at OSAIC since 2024. She previously worked at Ruzam, LLC, Woodbury Financial Services INC, and RSG Partners. Mazur is the founder of the Financial Behavior Institute, a coaching and training program that teaches behavioral finance concepts and practice management tools to financial professionals. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform. The firm offers a range of brokerage and advisory services with an investment process focused on model-based asset allocation, portfolio optimization, and risk management.

Brandon Dalgarno is a CFP® professional with 20 years of industry experience, currently serving at Cetera since 2025. His prior experience includes roles at Avantax Investment Services and Diehl Evans & Co. LLP. Dalgarno holds leadership positions in financial services entities, including director and managing member roles. Cetera Investment Advisers LLC is an SEC-registered adviser that offers a multi-manager platform serving individual, corporate, charitable, and institutional clients with portfolio management, financial planning, and retirement services. The firm supports a large nationwide network of advisors with access to diverse investment strategies and custodial arrangements.

Jordan Gales is a financial advisor at Morgan Stanley with a Series 66 designation and 10 years of industry experience. He has worked at Morgan Stanley and its Private Bank since 2020 and previously was affiliated with Sequoia Wealth Management, JMC Wealth Management, and LPL Financial. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that incorporates firm-approved tools and market simulations.

Robin Alefi is a financial advisor at Charles Schwab with six years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab Bank SSB, CHARLES SCHWAB and CO., INC., and TD Ameritrade. Outside of finance, Alefi is involved with Epic Volleyball Club, where he has been active for over a decade. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory with access to discretionary separately managed accounts, using multi-asset model portfolios and a centralized operational structure.

Miguel A. Ortega is a Senior Financial Advisor at Merrill Lynch Wealth Management, where he has been providing financial services since 2008. With a career in the financial industry beginning in 2005, Miguel specializes in helping clients develop personalized financial strategies by understanding their short- and long-term financial objectives. His areas of expertise include education planning, family wealth management strategies, liquidity management, portfolio management services, retirement income, and investment strategies for individuals and corporations. Miguel holds a bachelor's degree in Finance from San Diego State University and an associate degree from San Diego Mesa College. He has earned professional designations including Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Benefits Consultant (RBC). Fluent in both English and Spanish, Miguel is committed to building strong client relationships and guiding them through critical financial decisions. Residing in San Diego with his wife Andrea and their child Roman, Miguel is active in his community. He supports organizations such as the Boys and Girls Club, One More Win, and Support The Enlisted Project (STEP), reflecting his commitment to giving back. Outside of work, he enjoys basketball, biking, cooking, fishing, golfing, soccer, spending time with family, and traveling.

Henry De Matteis III is a CFP®-designated financial advisor with Edward Jones in San Marcos, CA, and has eight years of industry experience. Prior to joining Edward Jones in 2018, he worked at Uber Eats and operated Elmhurst Entertainment for over a decade. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm offers a range of investment strategies and affiliated products, operating under a fiduciary standard and maintaining a large network of advisors and branch offices nationwide.

Lorena Boyce is a Senior Financial Advisor with Merrill Lynch Wealth Management. She initially joined Merrill in 1983 as a futures and options specialist in Capital Markets at the Sears Tower in Chicago. From 1987 to 2015, she concentrated on fixed income securities sales to insurance companies before rejoining Merrill in 2016 to focus on alternative and private equity investments. Her expertise centers on the Merrill Private Equity and Alternatives Platform, providing private equity solutions tailored for foundations, endowments, institutions, and high-net-worth individuals. Lorena’s client focus areas include divorce transition planning, family wealth management strategies, and both individual and corporate investment strategies. She holds a Bachelor's Degree and a Master of Business Administration (MBA), both from the University of Virginia. She also holds the Personal Investment Advisor (PIA) professional designation. Lorena’s professional affiliations include membership in the Illinois Society of Colonial Warriors. Outside of her professional work, Lorena has been engaged in equestrian activities throughout much of her life, having ridden hunter-jumpers and, in more recent years, participated in race-horse ownership. She also enjoys biking, horseback riding, music, and skiing. In the community, she has volunteered with Lake Forest Hospice.

Michael Sperlinga is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and 65 licenses and bringing 31 years of industry experience. He has worked with Morgan Stanley Private Bank, National Association since 2015 and has been affiliated with Morgan Stanley Smith Barney since 2011. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process that utilizes firm-approved tools and scenario modeling.

Natalie Slemp is a financial advisor at Edward Jones in Escondido, CA, holding a Series 66 designation with three years of industry experience. Prior to joining Edward Jones in 2023, she worked at Benn Digital and several other firms in various roles. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of investment strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Liam Reid is a Series 66-credentialed financial advisor with Charles Schwab in Carlsbad, CA, and has one year of industry experience. Prior to joining Charles Schwab & Co., Inc. and Charles Schwab Bank, he worked in education and held roles at Troon Golf and Pristine Auction. Charles Schwab & Co., Inc. serves a large client base of 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 affiliated discretionary separately managed accounts and offers a multi-asset investment approach supported by research from its Schwab Center for Financial Research.

Cody Lenahan is a financial advisor at Edward Jones in San Diego, CA, holding a Series 66 designation with two years of industry experience. Prior to joining Edward Jones, he worked at Golden State Orthopaedics for five years and was employed by the San Marcos Unified School District for five years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of investment advisory programs and strategies, supported by a large network of financial advisors and branch offices nationwide.