Jorge Ceballos is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America NA from 2005 to 2023. 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 combines quantitative and qualitative research in its advisory process and incorporates ESG considerations in its recommendations.

Danielle Andrew is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo in various capacities since 2011. Outside of her advisory role, she works as a bartender at Reds Whites Brews in Ramona, CA. 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 manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Don Williams is a Series 66-licensed financial advisor with 25 years of industry experience. He is currently with LPL Financial and has held positions at several firms including CUSO Financial Services and Thrivent Advisor Network. Williams is involved with Financial Advocates, a DBA for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions through a broad range of advisory and brokerage services, employing various investment strategies and technology tools.

Brock Bracamontes is a financial advisor at Edward Jones in San Marcos, CA, holding Series 63 and Series 66 designations with two years of industry experience. His prior work experience includes roles at Northwestern Mutual Wealth Management and Anheuser Busch InBev. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Jeffrey Brown is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and 30 years of industry experience. He previously worked at Stratos Wealth Partners, Ltd and LPL Financial, LLC. Outside of his advisory role, he is an author and book writer through JB Enterprises and serves as an advisory board member for Income Lab, a retirement income management software company, as well as a faculty member for Advisor Coaching at Client Wise. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm utilizes research and analytics from Wells Fargo Investment Institute and third parties to evaluate investment options and offers both brokerage and advisory solutions.

Gay Reeves is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with LPL Financial since 2003 and previously worked at UBS Financial Services from 2001 to 2003. Outside of advising, she is involved with affiliated insurance agencies connected to her advisory business. 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 financial planning and investment management services through a large network of advisors, utilizing various models and strategies alongside operational and research support tools.

William Kelley is Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2022. He has been with Fidelity Investments since 2005, progressing through various positions including Financial Consultant, Investments Representative, and Private Access Client Services Specialist. Prior to joining Fidelity, he gained experience in fund accounting and custody accounting roles at Investors Bank & Trust and State Street. With over a decade of experience in wealth planning, William focuses on building relationships to develop personalized and comprehensive financial plans that are regularly updated to reflect changing financial goals. He holds a California Insurance License. Outside of his professional work, William has interests in baseball, concerts, family activities, parenthood, and traveling.

Roy Woehrman is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with LPL Financial since 2005 and previously worked at Wells Fargo Clearing from 2003 to 2005. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, with advisors using a variety of discretionary and non-discretionary strategies supported by research and technology tools.

Kaseem Wisdom is a financial advisor with Charles Schwab in San Diego, CA, holding CFP® and Series 66 designations and bringing nine years of industry experience. His career includes roles at Charles Schwab Bank, CHARLES SCHWAB and CO., INC., TD Ameritrade, and Scottrade. 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 and discretionary investment guidance using multi-asset model portfolios and provides integrated brokerage, custody, and advisory services at scale.

Virginia Panjvani is a financial advisor with Stifel, holding a Series 63 designation and 49 years of industry experience. She has worked at Stifel Nicolaus & Co Inc since 2018 and previously spent 30 years at UBS Financial Services. Based in San Diego, CA, she currently serves clients through Stifel’s platform. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services. The firm employs a proprietary investment methodology developed by its Investment Strategy Group, providing asset allocation and financial planning analyses that support client decision-making.

Gabriel Ramirez is a Series 66-licensed financial advisor at J.P. Morgan Securities with one year of industry experience. Prior to joining J.P. Morgan Securities, he held roles at JPMorgan Chase Bank, N.A., CEA CAPA, Signet Strategic Wealth Management, and spent three years at the University of Colorado Boulder. J.P. Morgan Securities provides institutional consulting services focused on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative and qualitative research and may incorporate ESG criteria, with final investment decisions made by clients.

Brandon Gill is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds the Series 65 and Series 63 designations and has worked at firms including First Republic Bank, Wells Fargo, and Mission Hills Church Inc. in various capacities. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager searches, and customized performance reporting through a non-discretionary program.

Carla Osbourne is a financial advisor at Stifel with 17 years of industry experience and holds a Series 66 credential. She has worked at Stifel Nicolaus & Co. Inc. since 2015. Outside of her advisory role, she is also a travel advisor and influencer with InteleTravel. Stifel serves a diverse client base including individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies using forward-looking capital market assumptions and probabilistic modeling to assist clients in asset allocation and financial planning.

Jack Fox is a financial advisor at Ameriprise with Series 66 and Series 63 licenses and four years of industry experience. He previously worked at Northwestern Mutual Wealth Management Company and its affiliated entities from 2021 to 2024. His earlier career includes roles at Bath Fitters, Farm Fresh to You, and running his own business, Jack Fox Forager, from 2003 to 2021. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients. The firm offers a specialized Premier Retirement Income service that provides detailed retirement planning and ongoing advice focused on dependable income and tax-efficient withdrawal strategies.

Nicola Vincent is a financial advisor with Mass Mutual Investors Services based in Encinitas, CA. She holds Series 63 and Series 65 licenses and has one year of industry experience. Her prior work includes roles at Northwestern Mutual and VIP Remote Health. Mass Mutual Investors Services, LLC is a subsidiary of MassMutual that offers financial planning and asset management services to individuals, business owners, trusts, estates, charitable organizations, and employers. The firm emphasizes collaborative, annual financial planning engagements utilizing firm-approved software and provides specialized programs such as divorce planning and employer-sponsored planning services.

Toby Ferner is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 25 years of industry experience. His prior experience includes roles at UBS Financial Services and Morgan Stanley DW Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement consulting services, managing approximately $671 billion in assets and employing over 14,000 advisors.

Jean Vincent is a financial advisor at Morgan Stanley with 22 years of industry experience. He holds a Series 66 designation and has worked in various capacities within Morgan Stanley since 2004, including positions at Morgan Stanley Private Bank, Morgan Stanley Smith Barney, and Morgan Stanley & Co. LLC. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Krista Goryl is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 21 years of industry experience. She worked at Merrill from 2004 to 2009 before joining Wells Fargo in 2016. Outside of financial advising, she has a 50% ownership interest in a sports company called SECRETS OF SUPERWOMEN, LLC. 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 manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics.

Karen Lacey is a financial advisor with Merrill in Carlsbad, CA, holding a Series 66 designation and 20 years of industry experience. She has been with Merrill Lynch, Pierce, Fenner & Smith since 2000. 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, retirement plans, corporations, and charitable organizations.

Jon Vance is a financial advisor at Raymond James & Associates with 16 years of industry experience. He has worked with Raymond James since 2017 and previously spent three years at RBC Capital Markets. Outside of his advisory role, he serves as a trustee for Vance IRA, a family trust he co-manages with his wife. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser serving a wide range of clients, including individuals, institutions, and charitable organizations. The firm offers financial planning, non-discretionary investment consulting, and institutional fiduciary solutions, utilizing diverse portfolio management styles and an extensive affiliate network.