Sandra Cohn is a financial advisor at LPL Financial with six years of industry experience. She previously worked at Independent Financial Group and Intuit and has operated the Cohn Tax Company, specializing in tax preparation and accounting, for over ten years. 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 range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, combining extensive non-advisory activities with oversight of more than $819 billion in discretionary assets.

Anita Boghoussian is a financial advisor at Edward Jones in Carlsbad, CA, holding a Series 66 designation with three years of industry experience. Her prior roles include positions at GoSecure, EdgeWave, and Dassault Systemes. Outside of financial advising, she is a co-owner of rental property and raw land investments. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a large national network of advisors and branch offices.

Kelly Morris is a financial advisor with LPL Financial, holding a Series 66 designation and over 24 years of industry experience. He previously worked with Independent Financial Group LLC for 11 years and has had two tenures at LPL Financial totaling more than 14 years. Outside of his advisory role, Morris is involved with Family Legacy Group, a non-investment related business in Carlsbad, 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 range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms, supported by research and technology tools.

Eduardo Villagrana is a financial advisor with J.P. Morgan Securities in Carlsbad, CA, holding Series 63 and Series 66 licenses and 12 years of industry experience. His career includes roles at J.P. Morgan Securities and JPMorgan Chase Bank since 2016, as well as a position at Uber from 2015 to 2017. Outside of his advisory work, he is a partner in personally owned rental real estate properties. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process integrates quantitative and qualitative research and includes a range of strategies supported by affiliates with broader derivatives and commodities capabilities.

Irene Gomez Ramirez is a financial advisor with LPL Financial in Vista, CA, holding Series 63 and Series 65 licenses and bringing 16 years of industry experience. Her prior experience includes nine years at Wells Fargo Clearing before joining LPL Financial in 2025. 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 financial planning, model portfolio programs, and access to third-party asset managers, supporting advisors with a range of discretionary and non-discretionary strategies across various asset classes.

Robert Binkowski is a financial advisor with Ameriprise in Vista, CA, holding a Series 66 designation and 16 years of industry experience. Prior to joining Ameriprise in 2023, he worked at Arete Wealth Management LLC and Axxcess Wealth Management LLC from 2015 to 2023. He is also involved in independent insurance brokering, specializing in universal life insurance. Ameriprise offers a retirement-income planning service designed for individuals approaching or in retirement with significant investable assets. The firm provides written recommendation reports combining research, modeling, and tax-efficiency analysis, with a focus on assets managed within Ameriprise accounts.

Radia Hunter is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Ameriprise since 2013. She holds Series 63 and Series 66 licenses and is based in Carlsbad, CA. Hunter serves as Community Service Chair on the Board of Directors for Encinitas Rotary. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Kristi Brooks is a financial advisor at Fidelity with eight years of industry experience. She holds a Series 66 designation and has worked at Fidelity Brokerage Services LLC since 2018, previously spending five years at Bonotel Exclusive Travel. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including an IRS-qualified Charitable Gift Fund and registered investment companies. The firm combines proprietary fundamental research with quantitative and algorithmic portfolio construction to deliver model portfolios, and it engages in active oversight and advisory roles uncommon among large institutional peers.

Mitchell Mammini is a CFA® charterholder and financial advisor with seven years of industry experience. He is currently with LPL Financial and previously worked at firms including Commonwealth Financial Network, Alliance Bernstein, and Merrill Lynch. He also has entrepreneurial experience through the Mammini Company. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning and access to various investment platforms, supported by a large network of investment adviser representatives.

Richard Nolan is a financial advisor at Osaic Wealth with 25 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at Sagepoint Financial, Inc. for 14 years. Nolan is involved in trust and estate planning through Citadel Law Office and holds several board and ownership roles in companies related to tax preparation, insurance, and investment management. He also serves as an HOA board treasurer in a volunteer capacity. Osaic Wealth serves a diverse range of retail and institutional clients through a multi-advisor platform offering brokerage and advisory services, including financial planning, managed portfolios, and retirement plan consulting. The firm employs a model-based investment approach with tools for asset allocation and portfolio optimization, operating at a large scale with a complex affiliate network and private-equity ownership.

David Henesey is a Senior Financial Advisor at Merrill Lynch Wealth Management. He leverages nearly 20 years of experience in the financial services industry to help individuals, families, and corporations identify financial goals, create comprehensive wealth management plans, and execute those plans effectively. His approach emphasizes a personal touch and building relationships to support clients in achieving their objectives. David's expertise includes college education planning, executive compensation, equity compensation services, family wealth management strategies, retirement income, and portfolio management services. He holds the CERTIFIED FINANCIAL PLANNER® certification, the Chartered Retirement Planning Counselor™ designation, the Personal Investment Advisor designation, and FINRA Series 7 and 66 registrations. He earned a Bachelor of Arts degree from Rollins College and an MBA from Babson College. Originally from the Boston area, David now resides in San Diego with his wife and two children. Outside of his professional work, he enjoys golfing, skiing, and spending time with his family.

Kent Borsch is a financial advisor with Edward Jones in Bonsall, CA, holding Series 63 and Series 66 credentials and bringing 40 years of industry experience. He has been with Edward Jones since 1999 and has over four decades in the financial services sector, including a long tenure with Provident Mutual Life/Securities. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages over $1 trillion in assets and supports its clients through a nationwide network of more than 23,000 financial advisors.

William Smith is a CFP®-certified financial advisor with Morgan Stanley, based in San Diego, CA, and has 45 years of industry experience. His prior work includes roles at Wells Fargo Clearing and Prudential Equity Group. Outside of advising, he is a published author of motivational and financial articles and serves on the finance and philanthropy committees of Neighborhood Healthcare, as well as acting as treasurer for the Rotary Club of Escondido. Morgan Stanley Wealth Management provides a broad range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by firm-approved tools and models. The firm manages approximately $2.74 trillion in assets and operates both as an investment adviser and broker-dealer.

Brian Mancuso is a CFP® professional with 30 years of experience in the financial industry. He has worked at Charles Schwab Bank SSb and Charles Schwab & Co., Inc. since 2006. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program, offering a combination of non-discretionary advisory services and access to affiliated discretionary separately managed accounts. The firm is notable for its scale, integrated structure, and multi-asset investment approach backed by proprietary research.

Rebecca Belloso is a Series 66 licensed financial advisor with five years of industry experience. She is currently with J.P. Morgan Securities and has prior experience at Merrill and JPMorgan Chase Bank, N.A. Before her finance career, she worked in the foodservice industry with San Diego Dining Group and La Mesa Farmers Inc. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients. The firm offers non-discretionary asset allocation advice, investment manager searches, and customized performance reporting supported by centralized due diligence and a combination of quantitative and qualitative research.

Zachary Rogers is a financial advisor with Merrill, holding a Series 66 designation and currently based in Carlsbad, CA. His experience includes roles at Bank of America, OneAmerica, and GoldBook Financial (MassMutual), as well as prior positions outside finance with the Ultimate Fighting Championship and UFC Fit. 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. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions, with portfolio options designed and implemented by internal and third-party managers.

Kent Thompson is a CFP® professional with 34 years of industry experience, currently serving at Ameriprise in San Diego, CA. He has been with Ameriprise and its affiliated entities since 2005. Outside of his advisory role, he is the owner and president of Stillwater Vista LLC and serves on the investment committee of the San Diego Rescue Mission. Ameriprise offers a retirement-income planning service targeted at individuals nearing or in retirement with significant investable assets, providing written recommendations that incorporate income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and algorithmic automation to deliver personalized retirement income plans, primarily for clients with assets managed within Ameriprise accounts.

Shily Sasinouan is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and bringing seven years of industry experience. She has been with Wells Fargo Clearing since 2010. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, including pension and charitable organizations. The firm offers a range of investment advisory services, financial planning, and retirement plan consulting, supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

Danielle Ferrer is a financial advisor with Raymond James & Associates in San Diego, CA. She holds a Series 66 designation and has 12 years of industry experience, including 11 years with Raymond James. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional and pension plans, charities, and governmental entities, offering financial planning, non-discretionary investment consulting, and institutional fiduciary solutions.

Sean McSweeny is a Wealth Management Advisor with Merrill Lynch Wealth Management. He joined Merrill Lynch in 1992 as a Financial Advisor in Torrance, California, and has been serving as the Senior Resident Director of the Carlsbad office since January 2010. He is part of a team comprising four Financial Advisors and one Wealth Management Client Associate, focusing primarily on investment management. With over 30 years of experience in wealth management, Sean's expertise includes college education planning, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, portfolio management services, and tax minimization. His approach centers on collaborating with clients to align their wealth management with seven key life priorities: family, finances, health, home, leisure, work, and giving. Throughout his career, he has developed long-lasting client relationships through customized advice and a disciplined investment approach. Sean holds a Master's degree from the California State University System and a Bachelor's degree in Finance from Loyola Marymount University. He has earned professional designations including Chartered Retirement Planning Counselor (CRPC) and Personal Investment Advisor (PIA). Sean resides in San Diego with his wife and three children and enjoys baseball, football, golfing, soccer, and spending time with his family.