Anthony Richardson is a financial advisor with LPL Financial holding Series 63, 65, and 66 credentials and nine years of industry experience. His prior roles include positions at Grove Point Investments, CUSO Financial Services, Charles Schwab & Co., and TD Ameritrade Institutional. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, institutions, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting with both discretionary and non-discretionary management, supported by extensive research and model portfolios.

Fernando Vivanco is a financial advisor at Merrill with nine years of industry experience. He holds a Series 66 designation and has worked with both Merrill and Bank of America since 2011. Outside of his advisory role, Vivanco pursues music production as a hobby, where he is a producer, songwriter, and singer, sharing his work on platforms like YouTube and Spotify. Merrill provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions program, offering a range of model-based and discretionary investment strategies to individuals, high-net-worth clients, pension plans, and corporate fiduciaries.

Jeramy Larson is a financial advisor at Morgan Stanley with 19 years of industry experience. He holds Series 63 and Series 65 licenses and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2009, with prior experience at Citigroup Global Markets starting in 2006. Outside of his financial career, he co-owns a photography business with his spouse. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets and offering a range of retail and institutional investment services.

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.

Cesar Fierro is a financial advisor with Charles Schwab who holds Series 63 and Series 66 credentials and has eight years of industry experience. His prior experience includes roles at TD Ameritrade, Independent Financial Group, and Wells Fargo Clearing. 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 offers multi-asset model portfolios supported by due diligence from Schwab Center for Financial Research.

Aaron Mayer is a financial advisor with LPL Enterprise holding Series 65 and Series 63 credentials and four years of industry experience. He has worked at LPL Enterprise since 2024 and previously at The Prudential Insurance Company of America and Pruco Securities LLC. Outside of his advisory role, Mayer is involved in sports coaching, serving as a hockey coach for the Ray & Joan Kroc Center and the San Diego Saints Hockey Club. LPL Enterprise serves a diverse client base including individuals, retirement plans, charitable organizations, corporations, and institutional clients through both advisory and brokerage channels. The firm offers financial planning, consulting, access to model portfolios, third-party asset management, and insurance products, supported by an integrated platform that combines adviser programs with active sales of financial products.

Jeremy Alexander is a financial advisor with Equitable Advisors in San Diego, CA, holding Series 63 and Series 66 licenses and 15 years of industry experience. He has been with Equitable Advisors and its predecessor firms since 2010 and is also a member of the California Bar, maintaining an active but non-practicing attorney license. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions, providing financial planning, broker-dealer services, insurance distribution, and access to third-party asset management programs through a dual-registered model.

John Foltz is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and 18 years of industry experience. His prior work includes roles at Cambridge Investment Research, Cantella & Co., and Merrill. Outside of his advisory work, he operates a financial services firm under a DBA for his LPL business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations nationwide. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing both discretionary and non-discretionary management along with research and model portfolios from multiple sources.

Joseph Irace is a Financial Consultant at Fidelity Investments, where he partners with individuals and families to provide holistic financial planning. His approach focuses on aligning financial strategies with clients' personal goals, utilizing Fidelity's platform and resources to support wealth building and protection. Joseph has held several roles within Fidelity Investments, including Investment Consultant and Central Relationship Manager, before becoming a Financial Consultant in 2025. His prior experience includes positions at Cetera Financial Group, CION Investments, PGIM Investments, and Merrill Edge, giving him a broad perspective on financial services and investment solutions. He holds a California Insurance License. Outside of work, Joseph enjoys fitness, social events with friends, hiking, music, spending time with pets, and reading.

Troy Pangelinan is a CFP® professional with two years of industry experience, currently affiliated with Osaic. He previously worked at San Diego Wealth and F.A.I.T.H. Driven Planning and served six years in the United States Air Force. His background also includes a role with DNA Clothing. Osaic Wealth, Inc. serves a diverse client base that includes individual investors, institutional clients, and charitable organizations through a large network of financial advisors. The firm offers integrated brokerage and advisory services, employing various asset-allocation tools and third-party platforms to manage portfolios across multiple investment types.

Robert Nachtsheim is a financial advisor with LPL Financial in San Diego, California. He holds a Series 66 credential and has eight years of experience at LPL Financial following four years at JPMorgan Chase. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement plan consulting, employing both discretionary and non-discretionary management supported by research and model portfolios.

Nayra Ramirez is a Series 66 licensed financial advisor with 19 years of industry experience. She has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC and Wells Fargo Bank. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable range of investment options including insurance-related vehicles and bank deposit sweep programs.

John Jacobs is a financial advisor with LPL Financial in Bonita, CA, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at Mass Mutual Investors Services, Massachusetts Mutual Life Insurance Company, and MetLife Securities. He is also involved with San Diego County Credit Union in an investment-related capacity. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a wide range of clients, including individuals, retirement plans, corporations, and charitable organizations. The firm provides diversified advisory programs, retirement plan consulting, and brokerage services supported by in-house and third-party research.

Jamie Smith is a financial advisor with Equitable Advisors in La Jolla, CA, holding a Series 66 designation and 22 years of industry experience. Jamie has been with Equitable Advisors since 2003 and previously worked at Axa Advisors. Equitable Advisors provides financial planning, retirement plan support, and access to asset management services for individual investors, retirement plan sponsors, corporations, and charitable organizations. The firm utilizes a hybrid referral and implementation model that incorporates third-party asset managers and advisory programs tailored to clients' goals, risk tolerance, and time horizons.

Cade Erautt is a financial advisor at Ameriprise Financial Services with two years of industry experience. He holds the Series 66 designation and previously worked at California Credit Union, providing financial advice and assisting members with long-term financial planning. Cade is based in Imperial Beach, CA. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients. It offers a specialized retirement income service that provides written recommendation reports and ongoing annual advice focused on dependable income sources and tax-aware withdrawal strategies.

Claire Neville is a financial advisor at Morgan Stanley with one year of industry experience. Prior to joining Morgan Stanley, she worked at Warner Bros. Discovery and CNN International. She serves on the board of Neville's Automotive Co., an automotive and transportation business based in Oceanside, California. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning to individuals and institutional clients, managing approximately $2.74 trillion in client assets through various advisory and brokerage services.

Alejandro Mendoza is a financial advisor at Morgan Stanley with 18 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following five years with Wells Fargo Clearing and one year with Wells Fargo Advisors, LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, including tailored financial planning through its Financial Advisors and Estate Planning Strategies Group. The firm manages approximately $2.74 trillion in client assets and uses a structured financial planning process supported by firm-approved tools and modeling techniques.

Ward Gorham is a financial advisor at Wells Fargo Clearing with 25 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at Morgan Stanley for 11 years before joining Wells Fargo Clearing in 2024. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s investment approach is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

John Armstrong IV is a financial advisor with Wells Fargo Clearing in La Jolla, CA. He holds the Series 63 and Series 65 designations and has 43 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a notable inclusion of insurance-related vehicles and bank deposit sweep options among its investment menu.

Max Hangartner is a Series 66 credentialed financial advisor with LPL Financial in San Diego, CA. He has 23 years of industry experience and has been with LPL Financial since 2015. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers financial planning, advisory programs, and a range of portfolio management services supported by both proprietary research and third-party subadvisors.