Andrea Ashbacher is a financial advisor with Osaic Wealth, Inc. She holds Series 63 and Series 65 licenses and has 30 years of industry experience. Her prior work includes 14 years at SagePoint Financial, Inc. She also operates a corporate investment advisory service and provides insurance recommendations related to life, health, and fixed annuities. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a large network of affiliated advisers, offering integrated brokerage and investment advisory services alongside financial planning and retirement consulting. The firm employs asset-allocation tools and risk-tolerance assessments to construct portfolios across various asset classes and supports both discretionary and non-discretionary account management.

Ronald Landelius is a CFP® and CFA® credentialed advisor with 22 years of industry experience. He has been with J.P. Morgan Securities and JPMorgan Chase Bank, N.A. for 13 years. He is based in Del Mar, CA. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors. The firm employs a quantitative asset-allocation approach combined with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Ara Hunt is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and seven years of experience primarily with Wells Fargo since 2019. Prior to joining Wells Fargo, Hunt worked in the hospitality industry with Hilton Hotels and DoubleTree By Hilton. Wells Fargo Advisors is a national securities firm providing investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and offers a range of brokerage and advisory solutions supported by research and analytics from internal and third-party sources.

David Simpson is a financial advisor with LPL Financial in San Marcos, CA, holding Series 63 and Series 66 licenses and bringing 30 years of industry experience. His career includes roles at Pacific Financial Group since 2019, LPL Financial since 2017, and National Planning Corporation from 1999 to 2017. He is also the CEO and owner of Pacific Tax & Financial Group, a tax preparation and accounting firm. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, providing both discretionary and non-discretionary management supported by research and model portfolios.

James Bohm is a financial advisor with Charles Schwab in Carlsbad, California, holding a Series 66 designation and 17 years of industry experience. He has worked at Charles Schwab and Charles Schwab Bank since 2008. 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 a combination of non-discretionary advisory relationships and access to discretionary separately managed accounts, supported by centralized custody and operational infrastructure.

Evan Hennessy is a financial advisor with Ameriprise in Carlsbad, CA, holding Series 63 and Series 66 licenses and over 42 years of industry experience. He previously worked at Stifel Nicolaus & Co Inc for 14 years before joining Ameriprise. He is also the owner of Hennessy Hedge Holdings LLC. Ameriprise Financial Services is a large, diversified firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement-income planning with tax-aware withdrawal strategies and ongoing advice.

Lisa Miller is a Senior Financial Advisor with Merrill Lynch Wealth Management, where she works with individuals and families to develop personalized financial strategies aligned with their long-term goals. A significant focus of her practice is supporting women navigating major life transitions such as divorce and widowhood. She holds the Certified Divorce Financial Analyst (CDFA) and Personal Investment Advisor (PIA) designations, enhancing her ability to guide clients through complex financial situations. Lisa's work includes organizing and clarifying clients' financial pictures, collaborating with attorneys, accountants, and other professionals to ensure coordinated decision-making, and providing guidance during both stable and transitional periods. She joined Merrill Lynch Wealth Management in 2016 and has over 12 years of experience in the financial services industry. Lisa holds a Bachelor's Degree from the University of Minnesota System. Outside of her professional role, Lisa participates in community activities including leadership in the Second Saturday Divorce Workshop and involvement with Wife.org. She enjoys gardening, practicing yoga, reading, and spending time with her family.

Aidan Dressler is a financial advisor with Thrivent Investment Management in Del Mar, CA, holding a Series 66 credential and three years of industry experience. His prior work includes roles at Yelp, Whova, and several educational institutions before joining Thrivent. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients through a network of financial advisors. The firm offers goal-based, holistic planning across a broad range of financial topics, with options to combine planning with managed accounts under a consolidated billing system.

Daliya Mansour is a financial advisor at Charles Schwab with six years of industry experience. She holds Series 66 and Series 63 licenses and has worked at major firms including J.P. Morgan Securities and Bank of America. Prior to her finance career, she was employed by the San Diego Unified School District. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and related financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs a multi-asset model portfolio approach supported by in-house research and alternative investment due diligence.

Carie Phelps Estrada is a financial advisor at LPL Financial with 24 years of industry experience. She holds Series 63 and Series 65 credentials and has worked at firms including Securities Equity Group and J2X Legacy Advisors. Outside of her advisory work, she serves as president of Phelps Farms, Inc. and is involved in several business ventures such as Gypsy Road Holdings, LLC. 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 a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios, third-party subadvisors, and various portfolio management tools.

Austin Wick is a Financial Consultant currently working at Fidelity Investments since 2025. He has held multiple roles at Fidelity Investments, including Investment Consultant from 2023 to 2025, Relationship Manager from 2022 to 2023, and Financial Representative from 2021 to 2022. Prior to joining Fidelity Investments, Austin worked as a Financial Consultant at Equitable Advisors LLC from 2020 to 2021 and served as an Administrative Assistant at Fenton Wealth Management from 2016 to 2020. Austin collaborates closely with clients to understand their unique perspectives, motivations, and financial goals. He focuses on building transparent, trustworthy relationships that empower the creation and execution of effective financial strategies. He holds a California Insurance License.

Utkarsh Vasa is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and 13 years of industry experience. He has been with Morgan Stanley since 2016 and concurrently associated with Morgan Stanley Private Bank, National Association since 2015. Outside of his advisory role, he shares ownership of a residential property with family. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a range of advisory programs and tailored financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning processes supported by proprietary tools.

Grant Kane is a financial advisor at UBS Financial Services with Series 66 credentials and has been in the industry since 2025. Prior to joining UBS, his background includes a period as a student and brief unemployment. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services, providing a broad range of investment and capital markets solutions.

Michael Lerner is a CFP®-certified financial advisor with 30 years of industry experience, currently affiliated with LPL Financial. His career includes roles at Cetera Advisor Networks LLC, CWM, LLC, and Nautica Wealth Advisors, where he has maintained a longstanding connection. In addition to his advisory work, Lerner is a Notary Public. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers various advisory programs, financial planning, and retirement consulting, utilizing both discretionary and non-discretionary management supported by research and model portfolios.

Asako Okuma is a financial advisor with LPL Financial, holding Series 65 and Series 63 designations and two years of industry experience. Prior to joining LPL Financial, she was self-employed for nine years. Outside of her advisory work, she tutors Japanese students in English online and provides translation services through PTS Group International Ltd. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad client base including individuals, retirement plans, banks, corporations, and charitable organizations. The firm provides a range of advisory programs and financial planning services, utilizing both discretionary and non-discretionary management supported by proprietary and third-party research.

Marcus Hennen is a CFP®-designated financial advisor with 29 years of industry experience, currently with Equitable Advisors since 2026. He previously worked at SharMarc Financial Advisors, Inc. for 20 years and LPL Financial LLC for 28 years. He also provides financial planning and consulting services through SharMarc Financial Advisors, an independent registered investment advisor firm he has operated since 2006. Equitable Advisors serves a diverse client base including individuals, high-net-worth clients, retirement plans, corporations, charities, and institutions. The firm offers financial planning, brokerage services, insurance distribution, and access to third-party asset management programs, primarily operating through LPL-sponsored programs and endorsed third-party managers.

Lloyd Manzanilla is a CFP® professional with 13 years of industry experience, currently serving as a financial advisor at Edward Jones since 2012. He holds the Series 66 designation and is based in Carlsbad, CA. 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 programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Tassia Taylor is a Senior Financial Advisor at Merrill Lynch Wealth Management. She began her career in the securities industry as a paralegal assisting in the litigation of securities and investment fraud cases on behalf of consumers. After 14 years as a client advocate at a local law firm, Tassia transitioned to financial planning, proactively helping clients achieve their retirement and financial goals. Her experience in the legal field provides her with insight to help clients overcome financial obstacles and identify potential pitfalls. In 2020, Tassia joined Merrill Lynch Wealth Management alongside her husband, Randy. Together, they provide a comprehensive wealth management experience that leverages both Randy's investment and planning expertise and Tassia's legal background. Tassia holds a Bachelor's Degree from Point Loma Nazarene University and the Personal Investment Advisor (PIA) designation. She is fluent in English and Portuguese. Tassia and her husband reside in North San Diego County with their children. They enjoy playing music together, traveling, serving at their local church, and spending time at the beach in their free time. Tassia emphasizes understanding clients' life priorities to create personalized financial plans aligned with their goals and aspirations.

Robert Briones is a financial advisor at Thrivent Investment Management with 14 years of industry experience. He holds a Series 66 designation and has been with Thrivent Financial and Thrivent Investment Management since 2011. Outside of his advisory role, he owns and operates a part-time custom woodworking business, creating furniture and decor for private clients and public sale. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofits, offering broad financial planning without portfolio management for institutional clients. The firm delivers holistic, goal-based analyses and allows clients to combine planning with managed-account programs under separate billing.

Ryan Albin is a Vice President, Financial Consultant at Fidelity Investments. He partners with individuals, families, and business owners to support them in working towards their unique financial goals. Ryan holds the designations of CERTIFIED FINANCIAL PLANNER™ and Chartered Financial Consultant, reflecting his advanced training and knowledge in financial planning. Ryan has been with Fidelity Investments since 2015, progressing through roles including Financial Representative, Relationship Manager, Investment Consultant, Financial Consultant, and currently Vice President Financial Consultant. Prior to joining Fidelity, he worked as a Financial Advisor at Edward Jones from 2014 to 2015. He holds a California Insurance License. Outside of his professional role, Ryan has personal interests in art, the beach, football, museums, sailing, and traveling.