Adam Seperack is a financial advisor at UBS Financial Services in San Diego, CA with 11 years of industry experience. He has been with UBS since 2014 and holds the Series 66 designation. UBS Financial Services Inc. serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management services and offers research and lending programs as part of its platform.

Patricia Bennett is a financial advisor at J.P. Morgan Securities with 24 years of industry experience. She holds Series 63 and Series 65 licenses and has worked with firms including Wells Fargo and JPMorgan Chase Bank. Outside of her advisory role, she is involved with M&A Pickle Performance LLC, operating under Kitchen Club LLC. 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 supported by centralized due diligence and a forward-looking investment approach.

Dennis O Connell Jr. is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 credentials and having 25 years of industry experience. His prior work includes roles at TD Ameritrade and T. Rowe Price Advisory Services. J.P. Morgan Securities provides institutional consulting services focusing on asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, endowments, and other institutional clients. The firm’s advisory process combines quantitative and qualitative research and incorporates ESG considerations where applicable.

Alan Shapiro is a CFP® professional with 22 years of industry experience, currently with Wells Fargo Clearing since 2016. His prior roles include positions at Morgan Stanley from 2008 to 2015 and Citigroup Global Markets from 2004 to 2008. He is also co-trustee of a family trust. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, retirement plan consulting, and brokerage services. The firm manages approximately $671 billion in assets and uses research and analytics to support its investment approach.

Sean Boylan is a Series 66-licensed financial advisor at OSAIC with four years of industry experience. Prior to joining OSAIC in 2024, he worked at Woodbury Financial Services and has been involved with Guide My Finances since 2021, where he provides financial planning and investment management services. Outside of finance, Boylan partners in Stratosphere Strategies LLC, which offers travel-related research and logistical support, and owns a local pet-sitting service. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment approach featuring portfolio optimization, risk tolerance assessments, and a range of advisory solutions delivered through a multi-advisor platform.

Erin Child is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 66 credentials and seven years of industry experience. Her prior work includes positions at Graham Child LLC and JPMorgan Chase Bank, N.A. 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 within a non-discretionary program structure.

Joshua Lozano is a financial advisor with Charles Schwab, holding Series 65 and Series 63 licenses and having one year of industry experience. His prior work includes roles at Neubloc, Karl Strauss Brewing Company, The Cork & Craft Abnormal Brewery, and Starbucks. 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 affiliated discretionary separately managed accounts and alternative investments, supported by a large-scale, integrated operational platform.

Ian Kelly Thomas is a financial advisor at J.P. Morgan Securities with 19 years of industry experience. He holds Series 63 and Series 66 licenses. His prior roles include positions at LPL Financial, Cetera Financial Group, Affinity Financial Advisors, and Tadich Capital, where he is CEO and sole owner, focusing on sourcing and selling private investment offerings. He is also CEO of IKT Holdings Inc., a business consulting firm. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, offering written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm’s advisory process combines quantitative and qualitative research supported by centralized due diligence.

Brittany Sheley is a financial advisor at Morgan Stanley with nine years of industry experience. She holds a Series 66 designation and has been with Morgan Stanley Smith Barney LLC since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs to individuals and institutional clients, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools and market simulations as part of its financial planning process.

Kimberly Biller is a financial advisor with LPL Financial, holding a Series 66 designation and 16 years of industry experience. She previously worked at The Wealth Advisors for eight years and has been with LPL Financial since 2007. Outside of her advisory role, she is a licensed notary public and has been involved in residential real estate sales through HomeSmart Realty West. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive operational tools and a large network of investment adviser representatives.

Luken Wilson is a financial advisor at Charles Schwab with Series 66 credentials and one year of industry experience. His prior work includes roles at 3E Company and Gremlin, as well as involvement with the University of San Diego’s University Ministry. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering a combination of non-discretionary and discretionary investment management, financial planning, and custodial services supported by centralized operations and extensive alternative investment due diligence.

Britain Kern is a financial advisor at Wells Fargo Clearing with a Series 66 designation and one year of industry experience. Prior to joining Wells Fargo in 2025, Kern held various roles including positions at Applied Minds and Nextbite. 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.

Carl Findley III is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. He has held various roles including positions at JPMorgan Chase Bank, UC San Diego, and the University of San Diego. He is also involved with JFIN Collective LLC and manages interests in Nigel Investments LLC and Bauhaus Capital LLC. 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. The firm’s advisory process combines quantitative and qualitative research with forward-looking market assumptions and incorporates a range of investment strategies supported by affiliated implementation services.

Sharon Peterson is a financial advisor at Equitable Advisors with 44 years of industry experience. She holds Series 63 and Series 65 licenses and previously worked at SharMarc Financial Advisors, Inc. for 20 years and LPL Financial, LLC for 28 years. Peterson also provides financial planning and consulting services through SharMarc Financial Advisors, Inc., an independent investment advisory firm she started in 2006. Equitable Advisors serves individuals, pension and profit-sharing plans, corporations, charitable organizations, and other institutional clients, offering financial planning, retirement plan consulting, and various asset management programs. The firm uses a range of third-party and proprietary advisory programs and provides ERISA fiduciary services to qualified plans.

Joseph Stenovec is a CFP® with 17 years of industry experience, currently serving as an advisor at LPL Financial. His prior experience includes roles at OSAIC and Lifetime Financial Advisors, Inc. He is also involved with Wealth Manager Group LLC, a business related to his LPL activities. LPL Financial is a national broker-dealer and SEC-registered investment adviser offering advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of investment solutions including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Michael Mammini is a financial advisor with LPL Financial in Solana Beach, CA, holding the CFP® and Series 63 designations and having 38 years of industry experience. His previous firms include Commonwealth Financial Network, Lincoln Investment, and Capital Analysts, Incorporated. He is also the owner and president of Mammini Properties, LLC. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plans, banks, trust companies, and institutions through a wide range of advisory and brokerage services. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, supported by a large network of advisors and advanced operational tools.

Kristina Walden is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 63 designation and 11 years of industry experience. She has worked at Wells Fargo Bank, N.A. since 2012 and with Wells Fargo Clearing since 2016. 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 roughly $671 billion in assets and offers both brokerage and advisory solutions.

John Mc Laughlin is a financial advisor with Cetera in San Marcos, CA, holding Series 63 and Series 65 licenses and bringing 28 years of industry experience. His prior experience includes roles at Avantax Investment Services, Equitable Advisors, AXA Advisors, and several other firms. Cetera Investment Advisers LLC is an SEC-registered firm serving a wide range of clients, including individuals, retirement plans, corporate and charitable entities, and institutional accounts. The firm offers various portfolio management and consulting services through a multi-manager platform that provides access to affiliated and third-party managers across multiple program structures.

Menatalla Nada is a financial advisor with Merrill in San Diego, CA, holding a Series 66 designation and 10 years of industry experience. She has been with Merrill and Bank of America, N.A. since 2016. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions Program to Bank of America fiduciary clients. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Fredrick Wollman is a financial advisor with Cetera, holding the CFP® designation and Series 63 license, with 45 years of industry experience. He has worked at Cetera since 2021 and operated Wollman Wealth Designs, Inc. since 1998. Outside of his advisory work, he serves as chair of the board of trustees for the Ecolife Conservation nonprofit and is president of the Valley Center Trail Association. Cetera Investment Advisers LLC is an SEC-registered firm serving individuals, retirement plans, corporate, charitable, and institutional clients through a nationwide network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services, utilizing a multi-manager platform with discretionary and non-discretionary program options.