Peter Savarese is a financial advisor at Charles Schwab with 27 years of industry experience. He holds Series 63 and Series 65 licenses and has worked previously at TD Ameritrade Inc. from 2013 to 2024. Savarese is based in Escondido, CA. 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 both non-discretionary and discretionary investment solutions, employing multi-asset model portfolios and centralized operational support.

Ron Roff is a financial advisor with Charles Schwab in San Diego, CA, holding a Series 66 designation and 17 years of industry experience. He has been with Charles Schwab since 2009 and also works with Charles Schwab Bank since 2011. 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 discretionary separately managed accounts and provides custodial, brokerage, and cash-sweep services within an integrated operational structure.

Christopher Carpou is a Senior Financial Advisor with Merrill Lynch Wealth Management. He works with a team of investment professionals to deliver financial strategies and advice for high net worth clients, focusing on fixed income portfolio management. Mr. Carpou began his career in the investment business 41 years ago, specializing in public finance and fixed income markets. He established the first municipal trading desk in California for Morgan Stanley and later served as Managing Director and Senior Municipal Bond Trader for Bank of America, where he was responsible for underwriting, trading, marketing, and portfolio structuring of municipal securities. His experience includes working with institutional and high net-worth retail investors as well as issuers of municipal debt at various government levels. Mr. Carpou earned a Bachelor of Science degree in Economics from San Diego State University and holds Series 7, 52, 53, 63, and 65 FINRA registrations. In addition to his professional work, Christopher Carpou has served on the Board of Directors of Options House, a nonprofit shelter for runaway and abused teens, and as President of the Los Angeles Municipal Bond Club. He is actively involved as a volunteer with his local Little League. His personal interests include baseball, biking, football, gardening, golfing, hiking, reading, scuba diving, swimming, and spending time with his family.

Nolen Quick is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 designations and 18 years of industry experience. He has worked with Wells Fargo entities since 2010. Outside of his advisory role, he serves as trustee for family trusts related to his deceased mother and his brother. Wells Fargo Advisors is a national securities firm providing investment advisory, financial planning, and retirement plan consulting services to individual, corporate, and institutional clients, managing approximately $671 billion in assets and offering both brokerage and advisory solutions.

Christopher Jette is a financial advisor at Wells Fargo Clearing with 29 years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at UBS Financial Services for 13 years. Outside of his advisory role, he has a part ownership interest in a rental property in Escondido, California. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Daniel Logan is a financial advisor with Raymond James Financial holding a Series 66 designation and three years of industry experience. He has held roles at Logan and Reed Wealth Partners and Raymond James Financial and is also a professional lacrosse player in the National and Premier Lacrosse Leagues. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base that includes individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through unique affiliations.

Suzanne Latour is a financial advisor with Raymond James & Associates, holding Series 63 and Series 65 licenses and bringing 35 years of industry experience. She worked at Merrill from 2009 to 2017 before joining Raymond James, where she has been since 2017. Outside of her advisory role, she is the CEO and sole owner of GolfTEC San Diego. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves individuals, institutions, and municipal entities with a range of financial planning and consulting services, offering both discretionary and non-discretionary solutions supported by extensive research and a broad network of affiliated managers.

Thomas Kaplan is a Financial Consultant currently with Fidelity Investments, where he has been since 2023, progressing from the role of Investment Consultant to Financial Consultant in 2024. Prior to this, he worked as a Financial Consultant at E*TRADE from Morgan Stanley between 2019 and 2023, and as a Financial Advisor at Baystate Financial from 2018 to 2019. Thomas' professional approach focuses on partnership, aiming to help clients connect their financial decisions to their life goals. He works collaboratively with clients to create customized wealth strategies that evolve as their circumstances change, providing ongoing support to help clients and their families navigate the future with confidence. He holds a California Insurance License. Outside of his professional work, Thomas is interested in family activities, exploring food, golf, scuba diving, tennis, and traveling.

Laudente Gallegos III is a CFP® certificant with six years of experience in financial advising, currently serving at Edward Jones since 2018. Prior to his role at Edward Jones, he worked at Morgan Run Country Club and also operated as a rideshare driver for Uber and Lyft. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary managed solutions, separately managed accounts, and affiliated mutual funds.

Julia De Loach is a financial advisor at J.P. Morgan Securities with seven years of industry experience. She holds Series 66 and Series 63 licenses and has worked at AllianceBernstein and Bernstein Private Wealth Management prior to joining J.P. Morgan in 2026. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on written asset allocation advice, investment manager searches, and customized performance reporting. The firm employs a centralized due diligence process combining quantitative and qualitative research and integrates an ESG eligibility framework in its recommendations.

Vicente Hinojosa III is a financial advisor at OSAIC with 14 years of industry experience. He holds Series 63 and Series 66 licenses and has previously worked at Sagepoint Financial, Edward Jones, and Comerica Securities. He is actively involved in his community, serving as president of the Vista Optimist Club and the Vista Education Foundation, and as a board member of the Vista Chamber of Commerce. OSAIC Wealth serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients through a multi-advisor platform offering brokerage and advisory services. The firm employs model-based asset allocation and portfolio optimization techniques and is notable for its scale, complex affiliate network, and recent consolidation activities.

Jack Iler is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. His work history includes multiple roles at Charles Schwab since 2021 and prior experience at Vidsig and 925 Junk. He also attended Purdue University from 2018 to 2022. 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 both non-discretionary and discretionary investment options, using multi-asset model portfolios and a combination of advisory, brokerage, custody, and cash-sweep services.

Eugene Cunningham is a Wealth Management Advisor at Merrill Lynch Wealth Management, based in the Del Mar, California office. He develops investment portfolios for individuals, businesses, and tax-exempt organizations that prefer professional management of their assets. Gene serves a select group of clients, including individuals, families, and organizations with substantial wealth, providing confidential wealth management services that address both short-term and long-term needs. His approach emphasizes a disciplined, coordinated process designed to support informed decision-making while minimizing the influence of emotional factors on investment choices. Gene began his career with Merrill Lynch Wealth Management in April 1988. He holds a Bachelor of Science in Business Administration from Villanova University and has completed coursework at the Donald T. Regan School of Advanced Financial Management. He is a CERTIFIED FINANCIAL PLANNER® professional and holds additional designations including Certified Exit Planning Advisor (CEPA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Gene has also served as an officer in the United States Marine Corps and is a frequent lecturer to fellow Merrill Financial Advisors in southern California. He previously held a board member position with Physician Advocates for Veterans. Fluent in English and Spanish, Gene’s professional focus areas include college education planning, family wealth management strategies, tax minimization, retirement income planning, and socially responsible investing, among others. He resides in San Diego with his wife Mary and their children, Patrick and Claire. Outside of work, Gene enjoys baseball, basketball, biking, chess, football, golfing, reading, skiing, traveling, and spending time with his family.

Kendal Glatthorn is a financial advisor with UBS Financial Services in Philadelphia, PA, holding Series 63 and Series 65 registrations and bringing nine years of industry experience. Prior to joining UBS in 2021, he worked at Goldman Sachs & Co. from 2015 to 2021. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory services, including fee-based financial planning and portfolio management. The firm integrates institutional trading capabilities with wealth management offerings, leveraging proprietary research and market insights to tailor solutions for its clients.

Laura Greenberg is Vice President and Financial Consultant at Fidelity Investments, a position she has held since 2017. She has been with Fidelity since 2013, progressing from Investment Consultant to Financial Consultant before assuming her current role. Prior to joining Fidelity, Laura worked as a Financial Advisor at Edward Jones from 2009 to 2013 and briefly at Merrill Lynch in 2009. In her role, Laura partners with high-net-worth individuals and families to help them clarify priorities and make informed financial decisions. She focuses on developing a deep understanding of clients' goals and values to provide thoughtful guidance and a disciplined planning framework aimed at supporting long-term financial well-being. Laura holds a California Insurance License. Outside of her professional work, Laura's personal interests include beach activities, family activities, football, social events with friends, scuba diving, and skiing.

Michael Brezovsky is a Vice President and Financial Consultant at Fidelity Investments. In this role, he partners with clients to understand their unique financial situations and goals, using Fidelity's resources and his expertise to build and implement comprehensive financial plans. He serves as a reliable source of information and support for clients through changing circumstances and evolving objectives. Michael has been with Fidelity Investments since 2018, progressing through multiple roles including Financial Consultant and Investment Consultant. His experience spans workplace planning and investment consulting, providing him with a broad perspective on financial advising. He holds a California Insurance License and is a CERTIFIED FINANCIAL PLANNER™ professional.

Richard Clawson is a financial advisor with Wells Fargo Advisors in San Diego, CA, holding Series 63 and Series 65 licenses and 24 years of industry experience. He has worked at Wells Fargo Advisors since 2023, following a seven-year period at Wells Fargo Clearing and prior experience at Prudential Equity Group. Outside of his advisory role, Mr. Clawson is involved in investment-related activities through ownership interests in Lone Pine Run Inc. and CCS Capital Management LLC. Wells Fargo Advisors Financial Network serves individuals, trusts, and institutional clients by providing investment and fee-based financial planning services. The firm offers a broad range of planning options, including specialized services such as business-owner transition planning and sports & entertainment planning, supported by proprietary research and planning tools.

Jheneffer Carleto Borsoi Pacheco is a financial advisor at Merrill with Series 66 credentials and one year of industry experience. Her prior work includes roles at Bank of America, Global Financial Impact, and the Federal University of Espirito Santo. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services through the Select Portfolio Solutions program, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations with model-based and discretionary investment strategies.

Stephen Lowery is a financial advisor at J.P. Morgan Securities with eight years of industry experience. He holds Series 63 and Series 66 licenses. Prior to his current role, he worked at JPMorgan Chase Bank, N.A., and served at the YMCA of San Diego County. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that emphasizes written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Ethan Park is a financial advisor at J.P. Morgan Securities with two years of industry experience and a Series 66 designation. Prior to joining J.P. Morgan, he held positions at Charles Schwab and has involvement in his family’s restaurant business, The Original Pancake House in Fort Collins, where he assists with payroll, hosting, and business decisions related to cash management. J.P. Morgan Securities provides institutional consulting services for plan sponsors, corporations, and endowments through a select group of Wealth Advisors, focusing on written asset allocation advice, investment manager searches, and customized performance reporting, with recommendations supported by centralized due diligence and a combination of quantitative and qualitative research.