Waheeda Noor is a financial advisor at Wells Fargo Clearing with 10 years of industry experience. She holds the Series 63 and Series 65 designations and has been with Wells Fargo in various capacities since 2015. Outside of her advisory role, she serves as treasurer for the San Diego Afghan Refugees Aid Group, where she manages the organization’s financial records. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm employs a research-driven approach and offers both brokerage and advisory solutions across a broad range of financial products.

Jeremy Shaffer is a financial advisor with Charles Schwab in Vista, California, holding Series 63 and Series 65 licenses and possessing nine years of industry experience. He has worked primarily at Charles Schwab since 2016, with brief tenures at several other firms in 2019 and 2020. Outside of his advisory role, he performs independent contracting work with Uber and DoorDash and rents vehicles through Turo. 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 offers both non-discretionary and discretionary investment management, utilizing multi-asset model portfolios and a formal alternative investment process within a centralized operational framework.

Zachary Anthony is a financial advisor at Stifel with one year of industry experience. He previously worked at Whole Foods for five years before joining Stifel. Stifel serves a broad range of clients, including individuals, institutional clients, and charitable organizations, offering brokerage and advisory services guided by a proprietary investment methodology developed by its Investment Strategy Group.

Joseph Adamo is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and 42 years of industry experience. He has been with Morgan Stanley Smith Barney LLC since 2009 and Morgan Stanley Private Bank, N.A. since 2015. Outside of his advisory work, he is the sole proprietor of Adamo Braun LLC, a restaurant and nightclub business in Kings Beach, Lake Tahoe. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a wide range of advisory programs, including personalized financial planning. The firm manages approximately $2.74 trillion in client assets and offers planning services supported by structured discovery processes and firm-approved tools.

Steven Nartker is a CFP® and PFS™ with 17 years of experience in financial advisory and accounting. He is currently with LPL Financial and has previously worked at firms including Cetera, Avantax, and Cambridge Investment Research Advisors. He also operates a tax preparation and accounting practice. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions, offering a range of advisory and brokerage services with a broad selection of investment strategies and platforms.

Robert Gilbert is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 31 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors LLC from 2009 to 2016. Gilbert is a 50% owner of the Gilbert Family Partnership, an investment-related business he shares with his brother. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering services including investment policy statement preparation, investment recommendations, performance reporting, and participant education. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with options for discretionary management and a broader range of financial products than many institutional advisers.

Nicole Carner is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding a Series 66 designation and bringing 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and scenario modeling as part of its financial planning process.

Danyelle Comer is a financial advisor at J.P. Morgan Securities with a Series 66 designation and over a decade of experience at JPMorgan Chase Bank, N.A. She has been with J.P. Morgan Securities since 2025. 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 through a select group of Wealth Advisors. The firm combines institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Christian Ortiz Gonzalez is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding a Series 66 designation and five years of industry experience. Prior to joining Morgan Stanley in 2025, he worked at Bank of America and Merrill from 2019 to 2024. Outside of finance, he is involved in education and the arts, serving as a marching band coach and as an officer with a youth arts nonprofit organization. Morgan Stanley Wealth Management is a large institutional firm offering a wide array of advisory programs to individual and institutional clients. The firm emphasizes tailored financial planning supported by structured discovery processes and firm‑approved planning tools.

Monica Bezy is a financial advisor with Edward Jones in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 19 years of industry experience. She previously worked at TD Ameritrade Institutional for 11 years. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, managing approximately $1.01 trillion in assets through a network of more than 23,700 advisors. The firm offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Daniel Avan is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. He has been with Wells Fargo Clearing since 2016, following a one-year tenure at Wells Fargo Advisors, LLC. Outside of his advisory role, he serves as a trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s investment process is guided by investment policy statements and modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.

Michael Peterson is a financial advisor at Osaic with nine years of industry experience. He holds the Series 63 and Series 66 designations. Prior to joining Osaic in 2025, he worked at Lincoln Financial Advisors, Confidence Wealth Management, and Edward Jones, among other firms. Osaic Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers integrated brokerage and investment advisory services and utilizes a range of asset-allocation tools and third-party platforms to manage portfolios across various investment types.

James Gallagher is a financial advisor at Charles Schwab & Co., Inc. He holds a Series 66 designation and has been with Charles Schwab since 2022. His prior experience includes roles at Peripli Trading and Zep Inc. 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by its scale and integrated operational structure.

Edward Finnegan is a Vice President and Financial Consultant at Fidelity Investments, where he has been serving since 2020 and was promoted to his current role in 2023. In this capacity, he collaborates closely with clients to develop and implement personalized financial plans that align with their individual goals, utilizing Fidelity's resources to explore various financial options. Prior to joining Fidelity, Edward held several positions at Charles Schwab & Co. from 2012 to 2020, including Vice President, Financial Consultant. His professional experience spans over a decade in financial consulting and client service roles. Edward holds a California Insurance License. Outside of his professional commitments, Edward enjoys activities such as beach visits, fitness, football, snowboarding, surfing, and traveling.

Jonathan Kelly is a financial advisor with J.P. Morgan Securities holding a Series 66 designation. He has less than one year of industry experience and previously held positions at firms including LPL Enterprise, California Coast Credit Union, and Novos. Outside of his advisory role, he is involved with El Viejon in San Diego. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its investment process.

Richard Kelly III is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Fantic USA, Lucidity Business Development, and Focus Bicycles USA. 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 under management through a nationwide network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies and affiliated financial products.

Joshua Silverman is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He has worked at J.P. Morgan Securities and JPMORGAN Chase Bank since 2018 and was previously with TD Ameritrade Investment Management and TD Ameritrade from 2009 to 2018. Outside of finance, he works as a disc jockey at occasional events in Southern California and is involved in locating and trading used cars. 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 through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis.

Patrick Klacka is a CFP® professional affiliated with LPL Financial, with nine years of industry experience. He previously worked at Graham Investment Management Inc. and 15 Equity LLC and has a background that includes a lengthy tenure at General Atomics. Outside of his advisory role, he is involved in several non-investment business ventures, including ownership of companies related to logistics and auto maintenance. 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 wide range of financial planning, model portfolio programs, and institutional platforms, supported by extensive operational tools and oversight of over $819 billion in discretionary assets.

Jason Davis is a financial advisor with LPL Financial in San Marcos, CA, holding a Series 66 designation and 10 years of industry experience. He has worked at California Bank & Trust since 2019 and previously held roles at Unionbanc Investment Services, MUFG Union Bank, and Wells Fargo Clearing. Outside of his advisory work, he acts in a fiduciary capacity for the Davis Family Trust. 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 range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive resources and a large network of advisors.

Olga Mazhar is a financial advisor with Primerica Advisors in Vista, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has work history including roles at Rensana, PFS Investments Inc., and Primerica Financial Services since 2021. Outside of her advisory work, she holds a membership interest in Dialysis Management Group, a healthcare organization management firm. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm employs model-based investment strategies managed by unaffiliated asset managers and supports trades and custody through Pershing and BNY Mellon Advisors.