Itamar Erster is a Financial Advisor at Merrill Lynch Wealth Management. He specializes in providing guidance on general investing, retirement planning, education planning, family wealth management strategies, and legacy planning among other areas. Itamar works closely with clients to develop and implement personalized wealth management strategies that align with their financial objectives and risk tolerance. He also connects clients with Bank of America specialists for support in banking, credit, home financing, and small business solutions. Itamar holds professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). He earned a Bachelor's Degree from the California State University System. He is a member of professional organizations such as Beta Gamma Sigma and Phi Delta Theta Fraternity, where he is also involved in the Philanthropy Committee. In addition to his professional pursuits, Itamar participates in community service activities through his fraternity. He enjoys personal interests including basketball, chess, football, hiking, music, traveling, watching movies, and spending time with his family.

Alexandra Banham is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds the Series 66 designation and has previously worked at the Board of Governors of the Federal Reserve System and Axa Advisors LLC. Alexandra is also affiliated with the University of Maryland. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors through its Institutional Consulting Services program, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

David Laub is a financial advisor at Merrill with 25 years of industry experience. He has held his current position at Merrill since 2008 and holds Series 63 and Series 65 designations. Merrill, along 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, pension plans, corporations, and charitable organizations.

Daniel Robinson is a financial advisor at Stifel with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus since 2012. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Barry Masci is a CFA® charterholder with 43 years of industry experience, currently advising at Wells Fargo Clearing since 2016. His prior roles include positions at Wells Fargo Advisors LLC and Morgan Stanley, where he worked from 2000 to 2014. Wells Fargo Advisors is a national securities firm serving individual, corporate, and institutional clients with a range of investment advisory services, financial planning, and retirement plan consulting. The firm manages approximately $671 billion in assets and offers a combination of brokerage and advisory solutions supported by research from the Wells Fargo Investment Institute.

Christopher Baldoni is a financial advisor with Raymond James Financial, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Equitable Advisors. He is also associated with Addison Avenue Investments, where he provides advice and planning support to members of First Tech Credit Union. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm emphasizes tailored non-discretionary planning using risk profiling and analytical tools and supports these services through a large network of advisors.

Jonathan Stahley is a financial advisor with Ameriprise in La Jolla, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers recommendations through a centralized consulting team, emphasizing assets held in Ameriprise Managed Accounts.

Eric Schleppenbach is a financial advisor at Edward Jones in San Diego, CA, with 10 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at TD Ameritrade before joining Edward Jones in 2020. 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.

Michael Lucia is a financial advisor with LPL Financial in San Diego, CA, holding the ChFC® and Series 63 credentials. He has 34 years of industry experience, including prior roles at Integrity Alliance, H. Beck, Morgan Stanley, and Citigroup Global Markets. Outside of his advisory work, he is involved in insurance marketing as CEO of MJL Insurance Marketing Solutions, Inc., and he also supports the management of his daughter's dance career through a family-owned LLC. 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, third-party asset management, and institutional platforms, combining broad non-advisory financial activities with oversight of significant discretionary assets and a large network of advisors.

Christopher Coyle is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutions. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Annterese Toth is a Senior Financial Advisor and partner of the VCMP group at Merrill Lynch Wealth Management. She has been in Financial Services for 30 years and joined Merrill in 2003. Annterese holds several professional designations including the Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She assists affluent individuals and business owners with financial strategies, retirement income planning, and estate planning services. Annterese earned her bachelor's degree in business from National University, graduating cum laude. She also attended Hofstra University in New York and completed the Wharton School of Business Executive Training Program. In addition to her professional work, Annterese has been active in her community, serving as a board member of the Finance committee and Vice President for the Rancho Santa Fe Garden Club. She has also been involved with Country Friends of Rancho Santa Fe, Bonsall Woman's Club, and Rally for Children. Annterese resides in Rancho Santa Fe with her husband, former Soccer Hall of Champion Zoltan Toth. They enjoy spending time with their three adult children and other family members.

John Foley is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, he worked in various roles in the hospitality and service industries, including positions at several bars and restaurants in the San Diego area. Outside of finance, he has experience operating establishments such as Side Piece Bar and Bay Hill Tavern. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory work for registered investment companies and a Charitable Gift Fund. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios drawn from mutual funds, ETFs, and ETPs.

Andrew Garton is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has held roles at Merrill Lynch Wealth Management since 2019 and previously worked in experience strategy consultancy and the hospitality industry. Outside of his advisory work, he serves as a financial clerk for his local congregation of The Church of Jesus Christ of Latter-day Saints. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Douglas Robichaud is a financial advisor at J.P. Morgan Securities with two years of industry experience. He holds a Series 66 designation and previously worked at Edward Jones for two years. Outside of finance, he has been involved with Mama Boss Babe Inc. for eight years. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and applying an ESG eligibility framework in its recommendations.

Francisco Contreras is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds the Series 66 designation and has worked at JPMorgan Securities LLC and JPMorgan Chase Bank NA since 2022. Prior to that, he held roles in real estate services with Voit Real Estate Services and Lee & Associates. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with brokerage and investment management capabilities, delivering recommendations on a non-discretionary basis.

Sophia Truelock is a financial advisor at Charles Schwab with a Series 66 designation and one year of industry experience. Prior to joining Schwab, she worked at Compass Mining and held various roles in hospitality and fitness sectors. 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, combining non-discretionary advisory relationships with access to discretionary separate managed accounts and a centralized operational structure.

Matthew Hampshire is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 63 and Series 66 licenses and has been with J.P. Morgan Securities since 2012, having worked at Jpmorgan Chase Bank, N.A. since 2009. J.P. Morgan Securities LLC provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager and fund searches, and customized performance reporting through a select group of Wealth Advisors. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering advisory services alongside brokerage, distribution, and investment management capabilities.

Howard Schwartz is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 45 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he holds a 40% ownership interest in Integrity Capital, LLC, a real estate-related business. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary solutions. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a broader investment menu that includes insurance-related vehicles and bank deposit sweep options.

Todd Mcgraw is a Wealth Management Advisor with Merrill Lynch Wealth Management, specializing in comprehensive wealth strategies tailored to families and local business owners. Based in San Diego, he emphasizes a personalized, goals-based approach that takes into account clients' financial situations, priorities, risk tolerance, and time horizon. His practice integrates investment insights from Merrill and banking services from Bank of America to address diverse financial needs, including education planning, retirement income, legacy planning, and socially responsible investing. With professional designations as an Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA), Todd brings expertise in portfolio management, tax minimization, and wealth preservation and transfer strategies. He holds a Bachelor's Degree from San Diego State University and is affiliated with Merrill Lynch Wealth Management and Bank of America. Todd is active in his community, inspired by Merrill’s tradition of community participation. Outside of work, he enjoys adventure sports such as skiing, hiking, fishing, golfing, baseball, and football.

Andrew Harvey is a financial advisor with Stifel in San Diego, CA, holding Series 63 and Series 65 credentials and having 24 years of industry experience. He has been with Stifel Nicolaus & Co Inc since 2015. Outside of his advisory role, he is a drummer in a rock and roll band. Stifel serves a diverse client base including individuals, institutions, and municipal entities, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.