Kaleah Yearwood is a financial advisor at Merrill with a Series 66 credential and three years of industry experience. Her prior roles include positions at Merrill Lynch, Pierce, Fenner & Smith Incorporated, Logix Federal Credit Union, and various other firms. Outside of finance, she works part-time at a fashion boutique in San Diego. 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 investors.

Vicente Cesar Gonzalez is a financial advisor at Primerica Advisors with Series 65 and Series 63 credentials and one year of industry experience. Prior to joining Primerica, he worked at GA-ASI and has been self-employed in the past. Outside of his advisory work, he is the owner of StarryBell, LLC, a non-investment related business based in San Diego, CA. Primerica Advisors sponsors a wrap-fee asset management program that primarily serves individual investors, including high-net-worth clients, as well as corporate and charitable clients. The firm employs model-driven investment strategies managed by unaffiliated asset managers and provides advisory services through a large network of financial advisors.

Mary Hoffman is a financial advisor at Edward Jones with eight years of industry experience. She has been with Edward Jones since 2017 and previously worked at Vistage Worldwide. Mary holds a Series 66 designation. Edward Jones is a full-service wealth management firm serving individual and institutional clients, including both non-high-net-worth and high-net-worth households. The firm offers a range of advisory programs with a fiduciary standard and manages approximately $1.01 trillion in assets through a nationwide network of advisors and branch offices.

Eugene Plahotnii is a financial advisor at UBS Financial Services with nine years of industry experience. He holds the Series 66 designation and has worked at firms including Wells Fargo Clearing, Avantax Advisory Services, FSC Securities Corp, and ATS Advanced Trustee Strategies. Eugene is based in San Diego, CA. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and research to tailor client plans. The firm integrates institutional trading capabilities with wealth management services, including futures commission merchant operations and market-making activities.

Gregg Alsbury is a financial advisor with Charles Schwab in Carlsbad, CA, holding CFP®, Series 63, and Series 66 credentials and 13 years of industry experience. He has worked at Charles Schwab since 2014 and at Charles Schwab Bank since 2016. 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 a non-discretionary client relationship model with access to discretionary separately managed accounts, offering multi-asset model portfolios and alternative investment options supported by Schwab's in-house research.

Kalyn Walker is a financial advisor at Raymond James & Associates with 18 years of industry experience. She holds a Series 66 designation and previously worked at UBS Financial Services for 10 years before joining Raymond James in 2024. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, pension plans, and charitable organizations, offering financial planning, non-discretionary investment consulting, and institutional advisory services.

Kevin Witowich is a financial advisor at Ameriprise with 15 years of industry experience. He holds a Series 66 designation and previously worked at BBVA Wealth Solutions, BBVA Securities, Compass Bank, and U.S. Bancorp Investments. He serves on the Board of Directors and as Vice President of the Oceanside Chamber of Commerce. Ameriprise Financial Services is a diversified advisory firm serving individual and institutional clients, offering specialized retirement income planning through its Premier Retirement Income service that provides personalized recommendation reports and ongoing advice focused on dependable income and tax-aware withdrawal strategies.

Nicolas Garza Elorduy is a financial advisor at J.P. Morgan Securities with a Series 66 designation and one year of industry experience. His prior work includes roles at StepStone Group, Taylormade Golf, and Vuori Inc., as well as academic positions at the University of San Diego and California Polytechnic State University, San Luis Obispo. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm delivers its advisory services alongside affiliated brokerage and investment management capabilities through a non-discretionary program where clients retain final decision-making authority.

Racquel Manalo is a financial advisor at Edward Jones with one year of industry experience. She holds a Series 66 designation and previously worked at Axos Bank and Amres Corporation. Outside of her advisory role, she operates a mobile notary and loan signing business. Edward Jones is a full-service wealth management firm serving individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of over 23,000 financial advisors.

Kevin Donnelly is a CFP®-designated financial advisor with J.P. Morgan Securities, based in San Diego, CA. He has 18 years of industry experience, including 14 years at JPMorgan Chase Bank, N.A. and J.P. Morgan Securities. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program. The firm’s approach combines quantitative asset-allocation modeling with centralized due diligence and incorporates an ESG eligibility framework when recommending investment strategies.

Shantele Lewis is a financial advisor with Wells Fargo Advisors in Rancho Santa Fe, CA, holding a Series 63 designation and 28 years of industry experience. She has been with Wells Fargo Advisors Financial Network LLC since 2009. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services, including specialized areas such as business-owner transition and special-needs planning, using proprietary research and planning tools to develop tailored recommendations.

Lin Murphy is a financial advisor at Morgan Stanley with six years of industry experience. Prior to joining Morgan Stanley in 2023, Murphy held roles at Bank of America and Merrill. Murphy holds a Series 66 designation and is based in San Diego, CA. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs that include tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and modeling techniques in its advisory process.

Eric Johnson is a financial advisor at OSAIC with 12 years of industry experience. He holds Series 65 and Series 63 licenses and has previously worked at LPL Financial, Trilogy Capital, Inc., and National Planning Corporation. Johnson serves as a trustee for the John & LeeAnn Johnson Family Trust. OSAIC serves a broad mix of retail and institutional clients, offering integrated brokerage and investment advisory services, financial planning, and access to third-party money managers through a large network of affiliated advisers and multiple advisory platforms.

Jeffrey Bjurstrom is a financial advisor at OSAIC based in San Diego, CA, holding a Series 66 license with 28 years of industry experience. He previously worked at Securities America, Inc. and Securities America Advisors, Inc. from 2006 to 2024. In addition to his advisory role, he is a California-licensed sales agent offering fixed annuities, equity index annuities, and term life insurance. OSAIC serves a diverse client base including individual, high-net-worth, institutional, and charitable investors through a broad network of advisers and advisory platforms. The firm provides integrated brokerage and advisory services, financial planning, retirement consulting, and managed accounts using various proprietary tools and third-party solutions.

Rebecca Saffran is a financial advisor at Raymond James Financial with a Series 66 designation and five years of industry experience. She has worked at Raymond James Financial Services Advisors since 2020 and has prior experience with Mission Fed Credit Union and San Diego State University. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored non-discretionary planning and consulting using analytical tools and supports municipal and public finance work, as well as specialized retirement plan advisory services.

Lily Fallah is a CFP® professional with seven years of industry experience, currently affiliated with OSAIC. Her prior roles include positions at Wells Fargo Advisors, Morgan Stanley, and Woodbury Financial Services. She serves as Treasurer and Chair of the Investment Committee for The Arc of San Diego, a nonprofit organization supporting individuals with disabilities. OSAIC serves a diverse clientele including retail and institutional investors, providing integrated brokerage and advisory services through a large network of affiliated advisers. The firm employs various asset-allocation and risk-management tools and offers access to third-party money managers and managed-account solutions.

Sreeni Rao is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Diego, CA, holding Series 63 and Series 65 credentials and bringing 21 years of industry experience. His prior roles include positions at Cuso Financial Services and Mission Federal Credit Union. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers tailored, non-discretionary planning and employs analytical tools to support client decision-making, while also maintaining unique offerings such as municipal advisory services and a SIMPLE IRA Employer Advisory & Consulting Services program.

Timothy Chen is a financial advisor with Raymond James & Associates in San Diego, CA, holding a Series 66 designation and 24 years of industry experience. He has worked at Raymond James & Associates since 2019, preceded by roles at Wells Fargo Clearing and Wells Fargo Advisors LLC. Raymond James & Associates is a dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutions, and charitable organizations, offering tailored, non-discretionary financial planning and investment consulting supported by a broad range of portfolio management styles and affiliated research.

Samuel Tapia is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 credentials and 27 years of industry experience. He has been with Wells Fargo since 2010, initially at Wells Fargo Advisors LLC and continuing at Wells Fargo Clearing since 2016. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, wrap-fee programs, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute and third-party sources.

David Deng is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and bringing 17 years of industry experience. His career includes prior roles at U.S. Bancorp Investments and U.S. Bank before joining J.P. Morgan Securities in 2020. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset-allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative asset-allocation modeling with centralized due diligence and applies an ESG eligibility framework in its investment recommendations.