Erik Simmons is a financial advisor with Ameriprise who holds a Series 63 designation and has 30 years of industry experience. Prior to joining Ameriprise, he worked at Axxcess Wealth Management LLC and Arete Wealth Management LLC for eight years. He is based in Carlsbad, CA. Ameriprise offers a retirement-income planning service focused on individuals nearing or in retirement with significant investable assets, providing detailed recommendation reports that cover income sources, Social Security options, and tax-efficient withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its advisory approach and delivers services through a centralized retirement-income consulting team.

Jon Paul Witkop is a financial advisor at Raymond James & Associates with 10 years of industry experience. He holds Series 65 and Series 63 licenses and has worked at Raymond James since 2018, following positions at LPL Financial and Algonquin Advisors. Outside of his advisory work, he serves as an assistant coach for the San Diego Saints U18 hockey team. Raymond James & Associates is a large broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and municipal entities, offering financial planning and consulting services supported by a broad range of portfolio management styles and affiliated research.

Carlos Caceres Jr. is a financial advisor with Raymond James Financial, holding a Series 63 credential and bringing 33 years of industry experience. He has worked with firms including Mission Fed Investment Services, Raymond James Financial Services Advisors, and U.S. Bancorp Advisors. Outside of his advisory role, he serves as a trustee for a personal investment entity. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting to a diverse client base, including individuals, high-net-worth clients, and institutions. The firm offers tailored, non-discretionary planning and supports municipal advisory services and specialized employer advisory programs.

Nancy Parrett is a Series 66-registered financial advisor at Merrill with 18 years of industry experience. She has worked at Merrill Lynch, Pierce, Fenner and Smith Incorporated since 2007 and Bank of America, N.A. since 2011. Outside of her advisory role, she is the managing member and owner of Willowwood, LLC, an investment-related business. Merrill, along with its affiliate Managed Account Advisors LLC, provides managed account services to fiduciary clients of Bank of America through the Select Portfolio Solutions Program, offering both model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Brian Johnson is a financial advisor at Edward Jones with a Series 66 designation and 10 years of industry experience. His prior roles include positions at Bank of America, Snow Capped Peaks Mortgage, and Bbva Wealth Solutions Inc. He is based in Escondido, California. Edward Jones is a full-service wealth management firm serving over four million clients, including individuals, institutions, and charitable organizations. The firm manages approximately $1.01 trillion in assets and offers a range of discretionary and non-discretionary investment strategies, alongside affiliated mutual funds and a securities-based lending option.

Alexander Monroe is a financial advisor with Stifel in San Diego, CA, holding the Series 63 and Series 65 licenses and bringing 18 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2015. Outside of his advisory role, Monroe serves as Vice President and Board Member of the La Jolla Golden Triangle Rotary Club Foundation, where he is involved in community communications. Stifel serves a diverse client base including individuals, institutions, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Yvonne Good is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and 4 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2008. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients with a range of advisory programs, including tailored financial planning supported by firm-approved tools and modeling techniques. The firm manages approximately $2.74 trillion in client assets and offers diversified retail and institutional investment solutions.

Russel Upton is a Wealth Management Advisor with over 24 years of experience serving wealthy families and institutional investors across the United States, including in the metropolitan areas of Los Angeles, New York, San Diego, and San Francisco. He represents Merrill Lynch Wealth Management and directs financial strategy, asset allocation, manager evaluation, and liability management for senior business executives as well as select clients in the entertainment, sports, legal, and technology sectors. His practice includes a broad range of wealth management services for high-net-worth and ultra-high-net-worth clients, such as trust and estate planning management, cash management, single and restricted stock risk management, retirement planning, aviation, art and marine lending, derivatives trading, and alternative investments. Mr. Upton holds multiple professional designations, including the Certified Private Wealth Advisor® certification administered by the Investments & Wealth Institute in conjunction with The University of Chicago Booth School of Business, and the Sports & Entertainment Accredited Wealth Management Advisor™ certification, administered by the College for Financial Planning Institutes Corp. He also holds the Certified Plan Fiduciary Advisor (CPFA), Chartered Retirement Planning Counselor (CRPC), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA) designations. Russel earned both his Bachelor of Science degree and Master of Business Administration from the College of Business and Economics at California State University, Northridge, and has completed an Accredited Certificate Program from the University of Chicago. Prior to his current role, Russel served as Senior Vice President for U.S. Trust (now Bank of America Private Bank) and City National Bank in Los Angeles and San Diego, and worked in the entertainment industry as Manager of Finance for New Regency Productions and Senior Accountant for Morgan Creek Productions in Los Angeles. His community involvement has included serving on the Board of Directors and as Trustee for the San Diego Zoo Foundation Board, the San Diego Sports Commission Board, and the San Diego Opera Board.

John Willis is a financial advisor with UBS Financial Services in San Diego, holding Series 63 and Series 65 credentials and 24 years of industry experience. He has been with UBS since 2013. UBS Financial Services serves individual, corporate, and institutional clients by offering brokerage and investment advisory services, including financial planning and portfolio management, supported by proprietary research and capital market assumptions. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and banking solutions.

Terence Seymour is a Series 66-licensed financial advisor with Edward Jones in Carlsbad, CA, and has 13 years of industry experience. He has been with Edward Jones since 2012. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs and investment solutions supported by a nationwide network of over 23,700 advisors and 15,000 branch offices.

Mark Lucia is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 44 years of industry experience. His career includes roles at Citigroup Global Markets from 1993 to 2009, followed by Morgan Stanley Smith Barney and Morgan Stanley Private Bank, National Association since 2009 and 2015, respectively. Morgan Stanley Wealth Management (MSWM) serves both individual and institutional clients, offering a range of advisory programs and tailored financial planning supported by firm-approved tools and analyses. The firm manages approximately $2.74 trillion in client assets and provides services that include but are not limited to structured financial planning and investment advisory.

Gregory Flynn is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. He has worked with Wells Fargo Clearing since 2016 and previously held positions at A. G. Edwards & Sons, Inc. and Morgan Stanley DW Inc. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients, offering a range of investment advisory services, financial planning, and retirement plan consulting with a broad platform of brokerage and advisory solutions.

Kendra Williams is a financial advisor at Primerica Advisors with Series 63 and Series 65 licenses and one year of industry experience. She has worked at Primerica Financial Services since 2023 and has held various roles, including positions at Mount San Jacinto College and Nordstrom. Primerica Advisors is a large institutional firm serving primarily individual investors, including both non-high-net-worth and high-net-worth clients, as well as corporate and charitable clients. The firm offers a wrap-fee asset management program with model-based investment strategies managed by unaffiliated asset managers.

Caden Beeh is a financial advisor at Thrivent Investment Management with Series 63 and Series 66 licenses and one year of industry experience. He serves on the board of Tender Life Maternity Home, a faith-based program supporting pregnant women, where he helps organize community events and volunteers at food drives. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors, focusing on goal-based planning across a broad range of financial topics without managing discretionary accounts.

Bruce Treitman is a financial advisor with Raymond James & Associates in Rancho Santa Fe, CA, holding Series 63 and Series 65 registrations and bringing 42 years of industry experience. He has been with Raymond James & Associates since 2016. Raymond James & Associates, Inc. is a large broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets and serving a diverse client base including individuals, institutions, and charitable organizations. The firm provides financial planning, investment consulting, and institutional fiduciary solutions, with an emphasis on tailored, non-discretionary advisory relationships supported by a broad range of portfolio management styles and affiliated research.

Christopher Wells is a financial advisor with LPL Financial and holds Series 63 and Series 65 licenses. He has 30 years of industry experience, including seven years at Commonwealth Financial Network prior to joining LPL Financial. His other business activities include involvement with AZCA Financial Group LLC, an entity related to his LPL business. 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, supporting over 22,800 advisors and managing more than $819 billion in discretionary assets.

Dale Maas is a Series 66 licensed financial advisor with Edward Jones, based in Oceanside, CA, and has 11 years of industry experience. He has been with Edward Jones since 2014. Outside of his advisory role, he is involved as a manager in real estate investment ventures, including a partnership focused on property development in Florida. Edward Jones is a full-service wealth management firm serving individual and institutional clients with a broad range of advisory programs and investment solutions. The firm manages approximately $1.01 trillion in assets and operates a large nationwide network of financial advisors and branch offices.

Denise Long is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 licenses and with 26 years of industry experience. She has worked at J.P. Morgan Securities since 2016, following prior roles at Credit Suisse Securities, Merrill, and Banc of America Investment Services. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that focuses on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates both quantitative and qualitative research and may include ESG criteria in its recommendations.

Somsack Sayvong is a financial advisor at Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses with 13 years of industry experience. He worked at First Allied Securities, Inc. for 21 years before joining Morgan Stanley in 2021. Morgan Stanley Wealth Management is a large SEC-registered investment adviser and broker-dealer offering a wide range of advisory programs to individuals and institutional clients, including tailored financial planning supported by firm-approved tools and extensive asset management services.

Lesandro Mena is a financial advisor at Charles Schwab with 19 years of industry experience. He holds the Series 66 designation and has been with Charles Schwab Bank and Charles Schwab & Co., Inc. since 2013. Charles Schwab & Co., Inc. serves a large client base, mainly 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 blend of non-discretionary investment guidance alongside access to discretionary separately managed accounts, supported by multi-asset model portfolios and an established alternative investments program.