Robert Babcock is a Series 66-licensed financial advisor with Stifel, based in Carlsbad, CA, and has 19 years of industry experience. He worked at Bank of America from 2009 to 2019 before joining Stifel Nicolaus & Co Inc in 2019. Outside of his advisory role, he is involved as a franchisee in the fitness industry, preparing to open a Red Light Method location in Carlsbad. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies.

Maxwell Parziale is a financial advisor with Morgan Stanley in Rancho Santa Fe, CA, holding a Series 66 designation and having eight years of industry experience. He has been with Morgan Stanley and its affiliated Private Bank since 2017 following his studies at the University of Colorado at Boulder. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutions, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning processes and uses firm-approved tools such as Global Investment Committee estimates and Monte Carlo simulations to model financial outcomes.

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 financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing four years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2025, she worked at Bank of America, Merrill, MUFG Union Bank, and a law office. 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 an ESG eligibility framework.

Michael Andreotti is a CFP® professional with 32 years of experience in financial services. He is currently with Morgan Stanley in San Diego, where he has worked since 2021. His prior experience includes roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning that incorporates firm-approved tools and scenario modeling.

David Galluccio is a financial advisor with Wells Fargo Clearing in Rancho Santa Fe, CA, holding Series 63 and Series 65 licenses and 33 years of industry experience. He worked at Wells Fargo Advisors LLC from 2011 to 2016 before joining Wells Fargo Clearing, where he has been advising clients for 10 years. Galluccio also serves as a conservator for his mother. 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 both brokerage and advisory solutions, utilizing research and analytics grounded in diversification principles and modern portfolio theory.

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 affiliated with JPMorgan Chase Bank, NA since 2010. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, delivering asset allocation advice, investment manager searches, and customized performance reporting through a network of Wealth Advisors. The firm integrates large institutional advisory operations with brokerage, distribution, and investment management capabilities.

Matthew Hansen is a CFP® with 19 years of industry experience, currently serving as a financial advisor at Morgan Stanley. He previously spent ten years with UBS Financial Services before joining Morgan Stanley in 2025. Outside of his advisory role, Hansen is a partner in H Five Holdings LLC, a real estate investment and property management business based in Poway, California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs structured planning tools and market models to support client strategies, managing approximately $2.74 trillion in client assets.

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.

Tiffany Roussis is a financial advisor with J.P. Morgan Securities in San Diego, CA. She holds the Series 66 designation and has six years of industry experience. Her prior work includes roles at JPMorgan Chase Bank, N.A. and Wells Fargo. 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 an ESG eligibility framework. The firm operates within the broader J.P. Morgan organization and offers non-discretionary services through a select group of Wealth Advisors.

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 financial advisor with UBS Financial Services in San Diego, holding a Series 66 designation and 25 years of industry experience. He has been with UBS since 2013. Outside of his advisory role, he is registered as an officer of Pennington's Inc. Auto Sales and Leasing, a family-owned business, and is involved as a partner and decision-maker in real estate investments through PMR Holdings LLC. UBS Financial Services serves individual, corporate, and institutional clients by combining brokerage and investment advisory services, including financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management, offering a broad range of capital markets services through a large network of financial advisors.

Rodney Graham is a financial advisor at OSAIC with nine years of industry experience. He holds Series 63 and Series 66 credentials and previously worked at Woodbury Financial Services and operated as a self-employed advisor. Graham serves on the board of the End Alz Association and runs a financial coaching and education business offering workshops on money management and retirement planning. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and nonprofit clients through a large network of advisors. The firm provides integrated brokerage and advisory services, utilizing various portfolio management tools and third-party solutions.

Kevin Bowcock is a CFP® professional with 13 years of industry experience, currently with Stifel since 2019. His prior roles include positions at Wells Fargo Advisors, LLC and Wells Fargo Clearing. He serves as a board member of the Escondido East Rotary. Stifel provides brokerage and investment advisory services to a diverse client base that includes individuals, institutions, and charitable organizations. The firm uses a proprietary investment methodology developed by its Investment Strategy Group to offer asset allocation and planning analyses, supporting client decisions across a variety of financial areas.

Monique Herrera Chalker is a financial advisor at LPL Financial with a Series 66 designation and three years of industry experience. She previously worked at Lucia Securities for eight years before joining LPL Financial in 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of financial planning and advisory services, providing both discretionary and non-discretionary management supported by research from LPL and third-party subadvisors.

Brandon Cass is a financial advisor at OSAIC with 21 years of industry experience. He holds a Series 66 designation and previously worked at SagePoint Financial for eight years. He is also the founder and president of Intrepid Wealth Management, where he manages his client base and recruits financial advisors. Osaic Wealth, Inc. serves a broad range of retail and institutional clients through a large network of affiliated advisers and advisory platforms. The firm provides integrated brokerage and investment advisory services, employing asset-allocation tools and multiple third-party resources to construct diversified portfolios.