David Lee is a CFP® with 38 years of industry experience, currently serving as a financial advisor at Stifel since 2012. He holds Series 63 and Series 65 licenses. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to provide asset allocation and financial planning analyses.

Stacey Waite is a financial advisor at Morgan Stanley with 16 years of industry experience. She holds Series 63 and Series 66 licenses and has worked at several firms, including Prudential Insurance Company of America and BrightHouse Securities. Morgan Stanley Wealth Management serves individuals and institutional clients by providing a range of advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and investment modeling to support its financial planning process.

Nilly Alsaid is a Series 66-credentialed financial advisor with four years of industry experience. She is currently with J.P. Morgan Securities and previously worked at Bank of America, Merrill, MUFG Union Bank, and began her career at the Law Offices of Gonzales & Gonzales. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary asset allocation and manager search program supported by centralized due diligence and quantitative and qualitative research.

Michael Andreotti is a CFP® professional with 32 years of experience in the financial industry. He has worked at Morgan Stanley and its Private Bank since 2021, following five years at Wells Fargo Clearing and two years with Prudential Equity Group, LLC. He holds Series 63 and Series 65 licenses and is based in San Diego, CA. He is affiliated with Morgan Stanley Wealth Management, an SEC-registered adviser and broker-dealer serving individual and institutional clients. The firm offers a range of advisory programs, including tailored financial planning supported by structured discovery processes and analytical tools.

David Galluccio is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and possessing 33 years of industry experience. He has worked with Wells Fargo Investments and Wells Fargo Clearing for over two decades. Galluccio serves as a conservator for his mother. Wells Fargo Advisors is a national securities firm offering investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients. The firm combines research and analytics with diversification principles and modern portfolio theory to evaluate investment options across brokerage and advisory solutions.

Brian Orrico is a financial advisor with Robert Baird & Co. in Rancho Santa Fe, CA, holding Series 63 and Series 65 designations and bringing 38 years of industry experience. He has been with Robert Baird & Co. since 2014. Robert Baird & Co.’s DDK Group, where Orrico works, serves individuals including high net worth clients, corporate and business clients, pensions, profit-sharing plans, and charitable organizations. The firm offers a range of services including financial planning, discretionary and non-discretionary portfolio management, and separately managed account programs.

Jason Roeske is a financial advisor with Charles Schwab in Carlsbad, CA, holding Series 63 and Series 66 licenses and 17 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2018 and previously at TD Ameritrade from 2016 to 2018. Charles Schwab & Co., Inc. serves a large client base, 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 offers a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by multi-asset model portfolios and a centralized operational structure.

Nicholas Mc Spadden is a CFP® certificant with 15 years of industry experience, currently serving as a financial advisor at J.P. Morgan Securities since 2012. He has also been associated with JPMorgan Chase Bank, NA since 2010. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a select group of Wealth Advisors. Their program delivers non-discretionary, written asset allocation advice, investment manager searches, and customized performance reporting, supported by centralized due diligence and a blend of quantitative and qualitative research.

Samuel Altamirano Ramirez is a financial advisor at Merrill with Series 63 and Series 65 registrations. He has one year of industry experience, including current roles at Merrill and Bank of America. Prior to his career in finance, he held positions outside the industry, including work at Tino and Sons Drywall Finishers and Rudolph and Sletten, Inc. 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 investment strategies for individuals, high-net-worth clients, and institutional entities.

Ashley Hines is a Financial Consultant at Fidelity Investments, a role she has held since 2023. She has been with Fidelity Investments since 2019, previously serving as an Investment Consultant from 2021 to 2023 and as a Financial Representative from 2019 to 2021. Prior to joining Fidelity Investments, Ashley worked at OneMain Financial as a Branch Manager Trainee from 2016 to 2019, and at TMX Finance as a Store Manager from 2012 to 2016. Ashley holds a California Insurance License, which supports her professional work in financial consulting. Her approach involves understanding the priorities of her clients and their families to develop personalized financial strategies. Outside of her professional duties, Ashley's personal interests include spending time at the beach, cooking and baking, hiking, reading, traveling, and volunteering.

Vincent Alessi is a financial advisor at Edward Jones in Carlsbad, CA, holding a Series 66 designation with 16 years of industry experience, all at Edward Jones since 2010. Outside of his advisory role, he is involved in professional surfing, participating in occasional photo shoots and managing related communications. Edward Jones is a full-service wealth management firm serving over four million clients with a wide range of investment options, including discretionary and non-discretionary strategies, separately managed accounts, and affiliated mutual funds, supported by a large network of advisors and branch offices.

Christopher Pennington is a Series 66-registered financial advisor with UBS Financial Services in San Diego, CA, and has 26 years of industry experience. He previously worked at Morgan Stanley from 2001 to 2008 before joining UBS in 2013. Outside of his advisory work, Pennington is an officer of Pennington's Inc. Auto Sales and Leasing, a family-owned business, and is involved as a partner in PMR Holdings LLC, which invests in real estate, hotels, and rentals. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, combining institutional trading capabilities with wealth management services. The firm uses proprietary research and model-based asset allocations to tailor plans and delivers both fiduciary financial planning and capital markets services.

Rodney Graham is a financial advisor at OSAIC with 10 years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Woodbury Financial Services and as a self-employed advisor. He serves as a board member for the End Alz Association and owns the Rodney Graham Financial Coaching / Wealth Management Institute, where he teaches financial literacy and money management through various classes and workshops. OSAIC Wealth serves a broad mix of retail and institutional clients through a multi-advisor platform, offering comprehensive financial planning and advisory services. The firm’s investment process emphasizes model-based asset allocation and portfolio optimization, supporting a range of customizable strategies delivered through affiliated broker-dealer and RIA relationships.

Kevin Bowcock is a CFP® with 14 years of industry experience, currently serving as a financial advisor at Stifel since 2019. He previously worked at Wells Fargo Clearing from 2016 to 2019. Bowcock is a board member of the Escondido East Rotary. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing brokerage and advisory services supported by proprietary investment analysis and asset allocation methodologies developed by its Investment Strategy Group.

Monique Herrera Chalker is a financial advisor at LPL Financial with a Series 66 designation and six years at LPL following eight years at Lucia Securities. She has a total of 14 years of industry experience. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions, offering a range of financial planning, portfolio management, and institutional platforms.

Brandon Cass is a financial advisor at Osaic with 21 years of industry experience. He holds a Series 66 designation and has worked previously at SagePoint Financial, D.A. Davidson & Co., and Crowell, Weedon & Co. He is also the president and founder of Intrepid Wealth Management, where he manages his existing client base and recruits financial advisors. Osaic Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm offers brokerage and advisory services across multiple programs, emphasizing model-based asset allocation and portfolio optimization supported by technology and risk-management tools.

Kim Shoesmith is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 credentials and 23 years of industry experience. She has been with Edward Jones since 2002. Outside of her advisory role, she performs with the band One Day Closer. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients with approximately $1.01 trillion in assets under management. The firm offers a range of advisory programs, including managed solutions and separately managed accounts, and maintains a broad advisor and branch network across the United States.

Jennifer Perkinson is a Wealth Management Advisor and Senior Vice President with Merrill Lynch Wealth Management. She joined the firm in 2006 and is a senior partner with the VCMPT Group, a 16-member financial services team. This group serves a select clientele of families, corporate executives, and entrepreneurs by providing asset management and financial guidance. The team collaborates with Bank of America to offer clients integrated personal and commercial banking, lending solutions, and customized wealth planning, enabling comprehensive support through a single point of contact. Jennifer began her advising career in 1996. She earned a Bachelor of Science degree in Biology from Bob Jones University (BJU) and holds several professional designations including CERTIFIED FINANCIAL PLANNER (CFP), Certified Investment Management Analyst (CIMA), and Certified Private Wealth Advisor (CPWA). She has also completed executive education programs at Wharton, Yale School of Management, and Chicago Booth School of Business. Jennifer focuses on areas such as legacy planning, managing new wealth, personal retirement planning, tax minimization, and retirement income. Residing in Encinitas with her husband and two sons, Jennifer's personal interests include exercising, gardening, cooking, and travel. She is involved in philanthropy through the team's donor-advised fund and her own. Jennifer previously served on the board of the Rancho Santa Fe Garden Club and currently participates in Bank of America's Community Volunteer Network and the LEAD for Women Board. She also volunteers with her son's schools.

Ronald Scherdorf is a financial advisor at Charles Schwab with 24 years of industry experience and holds a Series 66 designation. He has been with Charles Schwab since 2002 and has worked concurrently at Charles Schwab Bank since 2005. Outside of his advisory role, he owns a single-family rental property. 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 offers both non-discretionary and discretionary investment management with a multi-asset model portfolio approach and centralized custody and operational support.

Hunter Trusty is a Series 66 licensed financial advisor with three years of industry experience. He is currently with J.P. Morgan Securities and has prior experience at Charles Schwab. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program that focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research to build model asset allocations and incorporates a broader range of regulatory registrations and derivatives capabilities than many institutional programs.