Erik Tappin is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 designations and bringing 30 years of industry experience. His career includes roles at Citigroup Global Markets from 1996 to 2009, followed by positions at Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Morgan Stanley Wealth Management serves both individual and institutional clients with a variety of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and methodologies like Monte Carlo simulations as part of its financial planning process.

Rachel Currington is a CFP® professional with nine years of industry experience, all with Edward Jones. She is based in Escondido, CA and has been with Edward Jones since 2015. Outside of advisory work, she owns a graphic design hobby business called Doodleoo, which provides custom items to schools and non-profits. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including pension plans, corporate clients, and charitable organizations. The firm manages over $1 trillion in assets and offers a broad range of advisory services supported by a large network of financial advisors and branch offices nationwide.

Lisa Pacheco is a Wealth Management Advisor at Merrill Lynch Wealth Management, a role she has held since 2018. She works closely with women business owners, corporate executives, and individuals experiencing significant financial transitions such as retirement, divorce, career changes, or the loss of a spouse. Lisa specializes in creating customized wealth management, retirement, education, and investment strategies to help her clients preserve, manage, and grow their wealth over time. With over 20 years of experience in financial services, Lisa previously spent 14 years in corporate management and financial consulting. She holds the CERTIFIED FINANCIAL PLANNER® certification, the Certified Divorce Financial Analyst® (CDFA®) designation, and the Personal Investment Advisor (PIA) designation. Lisa earned a Bachelor of Science degree in Management Science from the University of California, San Diego, and an MBA from the University of California, Irvine's Paul Merage School of Business. Outside of her professional responsibilities, Lisa enjoys spending time with her family, attending her son’s soccer games, participating in women's business organizations, playing soccer, mountain biking, and traveling. She is also involved with community organizations such as Guide Dogs of the Desert, Paul Merage School of Business, and Poinsettia Elementary.

Theodore Hageman is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 29 years of industry experience. He previously worked at LPL Financial for 12 years and has been with Morgan Stanley Smith Barney LLC since 2019. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial and estate planning services. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools supported by its Global Investment Committee.

Thomas Stout is a financial advisor with Ameriprise Financial Services, LLC, holding Series 63 and Series 65 credentials and 19 years of industry experience. His prior experience includes roles at Navy Federal Brokerage Services, California Credit Union, and Comerica Securities. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, notable for its Premier Retirement Income service that provides annual retirement-income planning advice focused on dependable income and tax-aware withdrawal strategies.

Alejandro Sardon is a financial advisor at Merrill with one year of industry experience. He holds a Series 66 designation and has prior experience at First Citizens Bank and the Vienna University of Economics and Business. Merrill, along 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 investors.

Mark Kohn is a financial advisor with LPL Financial based in Carlsbad, CA, holding a Series 63 designation and over 34 years of industry experience. He has worked at Linsco/Private Ledger Corp. since 1997. Outside of investment advising, he is involved in non-variable insurance through Kohn Wealth Management and as an insurance agent. 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and participant-level retirement advice, supported by technology tools and a broad network of over 22,800 advisors.

Ronald Thomas is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley and its Private Bank since 2013 and 2015, respectively. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer providing a wide range of advisory programs to individuals and institutions. The firm offers tailored financial planning services supported by structured discovery and advanced planning tools, managing approximately $2.74 trillion in client assets.

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 in Carlsbad, CA, holding Series 63 and Series 66 designations and bringing 42 years of industry experience. His prior work includes tenures at Ameriprise Financial Services and Wells Fargo Clearing. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by a large network of investment adviser representatives.

Steve Statzer is a financial advisor with LPL Financial based in Carlsbad, CA, holding Series 63 and Series 66 credentials and bringing 30 years of industry experience. His prior firms include Terramar Wealth, Commonwealth Financial Network, OSAIC, and Sagepoint Financial, where he spent 15 years. He is also co-owner of the Statzer Revocable Living Trust, which is involved in managing residential real estate in Big Bear City, CA. 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 access, and institutional platforms, supported by a large network of investment adviser representatives and a variety of investment strategies.

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.

Chelsea Bullen is a financial advisor at Raymond James Financial with a Series 66 designation and one year of industry experience. She has held roles at Voyager Wealth Advisors and Raymond James Financial Services, Inc. since 2026. Outside of her advisory work, she has been involved with SpotOn since 2017. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, corporations, and institutional clients. The firm emphasizes tailored, non-discretionary planning and consulting supported by analytical tools and also provides specialized services such as municipal advisory work and SIMPLE IRA Employer Advisory & Consulting Services.

Stephen Anderson is a financial advisor with Cambridge Investment Research Advisors in San Diego, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. His prior work includes positions at Fsc Securities Corp and OSAIC Services, Inc. Anderson is also the owner and president of Anderson Wealth Management Corp, a firm providing tax and legal liability services. Cambridge Investment Research Advisors serves a diverse client base including individual and institutional investors, offering financial planning, investment management, retirement-plan advisory, and wrap-fee programs through various platforms and proprietary model strategies.

Erin Johnson is a financial advisor with LPL Financial in San Diego, CA, holding the CFP® designation along with Series 63 and Series 65 licenses. She has 18 years of industry experience, including prior roles at Valic Financial Advisors and Nationwide Investment Advisors. Outside of her advisory work, Johnson is involved with GradePoint Insurance Group LLC, a non-variable insurance business. 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 broad range of financial planning and investment services through a large network of advisors, utilizing both proprietary and third-party strategies and incorporating technology-driven research tools.

Bruce Bandemer is a financial advisor with Equitable Advisors in Carlsbad, CA, holding a Series 66 designation and 27 years of industry experience. He has been with Equitable Advisors and its predecessor, AXA Advisors, since 2005 and has operated his own accountancy corporation since 1988. Bandemer serves on the board of the Carlsbad Rotary Foundation and is president of the Bressi Ranch Home Owners Association. Equitable Advisors provides financial planning, retirement plan consulting, and asset management services to a diverse client base including individuals, pension plans, corporations, and charitable organizations. The firm employs a range of advisory models delivered through third-party sponsors and in-house programs, offering access to mutual funds, ETFs, separately managed accounts, and select alternative investments.

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 with J.P. Morgan Securities and JPMorgan Chase Bank since 2008. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes an ESG eligibility framework in its recommendations.

Craig Cohn is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 25 years of industry experience. His prior roles include tenures at Independent Financial Group, LLC and Commonwealth Financial Network, as well as an earlier period at LPL Financial. He is the sole owner of COHN & COMPANY INC., a non-investment-related business entity. 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by research and technology tools.