Richard Kelly III is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 designation and six years of industry experience. His prior roles include positions at Fantic USA, Lucidity Business Development, and Focus Bicycles USA. 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 under management through a nationwide network of financial advisors and branch offices, offering a range of discretionary and non-discretionary investment strategies and affiliated financial products.

Joshua Silverman is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 20 years of industry experience. Prior to joining J.P. Morgan Securities in 2018, he worked at TD Ameritrade Investment Management, UBS Financial Services, and Wells Fargo Clearing. Outside of finance, he occasionally works as a disc jockey at events and local venues in Southern California. 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’s advisory process incorporates centralized due diligence combining quantitative and qualitative research and includes derivatives and commodities capabilities.

Patrick Klacka is a CERTIFIED FINANCIAL PLANNER™ professional with nine years of industry experience. He has worked at LPL Financial since 2024, following roles at 15 Equity LLC and Graham Investment Management Inc. Outside of his advisory work, Klacka owns several small businesses unrelated to investing, including entities focused on auto maintenance and logistics. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, with advice delivered through a large network of investment adviser representatives using a range of discretionary and non-discretionary strategies.

Jason Davis is a financial advisor with LPL Financial in San Marcos, CA, holding a Series 66 designation and 10 years of industry experience. He has worked at California Bank & Trust since 2019 and previously held roles at Unionbanc Investment Services, MUFG Union Bank, and Wells Fargo Clearing. Outside of his advisory work, he acts in a fiduciary capacity for the Davis Family Trust. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, and institutional platforms, supported by extensive resources and a large network of advisors.

Olga Mazhar is a financial advisor with Primerica Advisors in Vista, CA, holding Series 63 and Series 65 licenses and four years of industry experience. She has work history including roles at Rensana, PFS Investments Inc., and Primerica Financial Services since 2021. Outside of her advisory work, she holds a membership interest in Dialysis Management Group, a healthcare organization management firm. Primerica Advisors sponsors a wrap-fee asset management program serving individual investors, corporate, and charitable clients. The firm employs model-based investment strategies managed by unaffiliated asset managers and supports trades and custody through Pershing and BNY Mellon Advisors.

Daniel Leicht is a Financial Advisor with Merrill Lynch Wealth Management, specializing in providing tailored financial planning and investment advisory services. As a CERTIFIED FINANCIAL PLANNER® professional and Personal Investment Advisor (PIA), he focuses on developing comprehensive strategies that align with clients' unique goals and priorities. His approach emphasizes trust, integrity, and transparent communication to help clients pursue objectives such as college education planning, retirement income, family wealth management, tax minimization, and legacy planning. Daniel holds a Bachelor’s degree in English from the University of Notre Dame and a Master of Business Administration from the University of San Diego. He is actively involved with the Notre Dame Club of San Diego, reflecting his engagement with his professional and local community. Outside of his work, Daniel enjoys baseball, basketball, golfing, running, spending time with his family, and traveling.

David Spataro is a financial advisor with Ameriprise in Carlsbad, CA, holding Series 63 and Series 65 licenses and 14 years of industry experience. His prior roles include positions at Waddell & Reed, Inc., The Quantum, and Ivy Distributors, Inc. He has been with Ameriprise since 2021. Ameriprise offers a retirement-income planning service focused on individuals approaching or in retirement with substantial investable assets, providing detailed written recommendations on income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis within a centralized consulting team to deliver personalized, algorithm-supported advice.

Avinash Alwani is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 designations and has been with J.P. Morgan Securities since 2012, also maintaining a concurrent role with Jpmorgan Chase Bank, N.A. since 2008. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm’s advisory process incorporates both quantitative and qualitative research and includes a broader range of derivatives and commodities capabilities.

Carlo Boton is a CFP® with 15 years of industry experience, currently serving as a financial advisor at Ameriprise since 2021. His prior experience includes six years at Cuso Financial Services and 25 years at North Island Credit Union. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, offering tailored recommendations that combine research, modeling, and tax-efficiency analysis through a centralized consulting team.

Devin Garrett is a Vice President and Financial Consultant at Fidelity Investments, a role he has held since 2019. He is a CERTIFIED FINANCIAL PLANNER™ who partners with clients to understand their priorities and goals across all life stages. Devin focuses on simplifying clients' financial lives by effectively positioning their wealth to help them work towards living life on their terms. Prior to joining Fidelity Investments, Devin gained experience as a Financial Consultant at E*TRADE Financial from 2017 to 2019 and as a Financial Advisor at Edward Jones from 2015 to 2017. He holds a California Insurance License. Outside of his professional career, Devin has personal interests in food, golf, and traveling.

Pamela Givens is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 32 years of industry experience. Her career includes positions at Wells Fargo Investments and Citigroup Global Markets. Outside of her advisory work, she manages a rental property. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, supported by extensive operational and research tools.

Thomas Hurt is a financial advisor at OSAIC with 35 years of industry experience. He holds Series 63 and Series 65 credentials and has worked at several firms, including Securities America Advisors, Inc., Securities Service Network, Inc., and Advantage Financial Group LLC, where he has maintained a long-standing affiliation. His other business activities include occasional insurance sales and servicing through Advantage Financial Group LLC. OSAIC serves a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients, offering brokerage and advisory services through a multi-advisor platform. The firm emphasizes model-based asset allocation and portfolio optimization, utilizing both discretionary and advisor-managed strategies supported by risk-tolerance analysis and rebalancing tools.

Jorge Ceballos is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has worked previously at Bank of America NA from 2005 to 2023. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary program focused on asset allocation advice, investment manager searches, and customized performance reporting. The firm combines quantitative and qualitative research in its advisory process and incorporates ESG considerations in its recommendations.

Danielle Andrew is a financial advisor at Wells Fargo Clearing with 12 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Wells Fargo in various capacities since 2011. Outside of her advisory role, she works as a bartender at Reds Whites Brews in Ramona, CA. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and provides both brokerage and advisory solutions.

Don Williams is a Series 66-licensed financial advisor with 25 years of industry experience. He is currently with LPL Financial and has held positions at several firms including CUSO Financial Services and Thrivent Advisor Network. Williams is involved with Financial Advocates, a DBA for his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, and institutions through a broad range of advisory and brokerage services, employing various investment strategies and technology tools.

Brock Bracamontes is a financial advisor at Edward Jones in San Marcos, CA, holding Series 63 and Series 66 designations with two years of industry experience. His prior work experience includes roles at Northwestern Mutual Wealth Management and Anheuser Busch InBev. Edward Jones is a full-service wealth management firm serving over four million clients, including individual and institutional investors. The firm offers a range of advisory programs and investment solutions supported by a large nationwide network of financial advisors and branch offices.

Jeffrey Brown is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and 30 years of industry experience. He previously worked at Stratos Wealth Partners, Ltd and LPL Financial, LLC. Outside of his advisory role, he is an author and book writer through JB Enterprises and serves as an advisory board member for Income Lab, a retirement income management software company, as well as a faculty member for Advisor Coaching at Client Wise. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with investment advisory, financial planning, and retirement plan consulting services. The firm utilizes research and analytics from Wells Fargo Investment Institute and third parties to evaluate investment options and offers both brokerage and advisory solutions.

Gay Reeves is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. She has been with LPL Financial since 2003 and previously worked at UBS Financial Services from 2001 to 2003. Outside of advising, she is involved with affiliated insurance agencies connected to her advisory business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing various models and strategies alongside operational and research support tools.

William Kelley is Vice President, Wealth Planner at Fidelity Investments, a role he has held since 2022. He has been with Fidelity Investments since 2005, progressing through various positions including Financial Consultant, Investments Representative, and Private Access Client Services Specialist. Prior to joining Fidelity, he gained experience in fund accounting and custody accounting roles at Investors Bank & Trust and State Street. With over a decade of experience in wealth planning, William focuses on building relationships to develop personalized and comprehensive financial plans that are regularly updated to reflect changing financial goals. He holds a California Insurance License. Outside of his professional work, William has interests in baseball, concerts, family activities, parenthood, and traveling.

Roy Woehrman is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and bringing 31 years of industry experience. He has been with LPL Financial since 2005 and previously worked at Wells Fargo Clearing from 2003 to 2005. LPL Financial is a national broker-dealer and SEC-registered investment adviser that serves individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers financial planning, wrap and model portfolio programs, third-party asset management, and institutional platforms, with advisors using a variety of discretionary and non-discretionary strategies supported by research and technology tools.