Ethan Park is a financial advisor with J.P. Morgan Securities holding a Series 66 designation and two years of industry experience. He has also worked at Charles Schwab and JPMorgan Chase Bank. Outside of finance, he advises his family-owned restaurant, The Original Pancake House in Fort Collins, on business decisions including cash management. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Raymundo Catalan is a financial advisor at J.P. Morgan Securities with nine years of industry experience. He holds Series 63 and Series 66 licenses and has worked at J.P. Morgan Securities and JPMorgan Chase Bank since 2019, with prior experience at Axa and Medline Industries. He serves as a board member and treasurer for the Escondido Chamber of Commerce, a nonprofit organization supporting local businesses. 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 through a select group of Wealth Advisors.

Andrew Axelson is a CFP® with 16 years of experience in the financial services industry. He currently works at Morgan Stanley and has held positions at JP Morgan Chase Bank, N.A. and J.P. Morgan Securities. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a variety of advisory programs including tailored financial planning supported by structured discovery and firm-approved tools. The firm manages approximately $2.74 trillion in client assets and provides services ranging from retail to institutional offerings.

John Faustino is a financial advisor at LPL Financial with 27 years of industry experience. He holds Series 63 and Series 65 licenses. His prior experience includes roles at Waddell & Reed, John Burnham Insurance, and service as a board member of the Kiwanis Club of Poway. LPL Financial is an SEC-registered investment adviser and broker-dealer serving a broad range of clients, including individuals, retirement plans, banks, and charitable organizations, offering diverse advisory programs and financial planning services.

Mark Buckman is a financial advisor with LPL Financial in Oceanside, CA, holding Series 63 and Series 65 credentials and bringing 36 years of industry experience. He has worked at LPL Financial since 2003 and also operated Family Investment Management, LP from 2015 to 2026. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide, offering financial planning, advisory programs, retirement plan consulting, and brokerage services with both discretionary and non-discretionary management options.

Jessica Cuevas is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding a Series 66 designation and 11 years of industry experience. She has worked with Wells Fargo Clearing since 2016 and was previously with Wells Fargo Advisors, LLC from 2009 to 2016. 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 offers both brokerage and advisory solutions supported by research and analytics from Wells Fargo Investment Institute.

Rene' Flores is a CFP® professional with 29 years of industry experience, currently serving at Edward Jones since 1998. He holds Series 63 and Series 65 licenses and is based in Escondido, 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 investment products.

Curt Beyer is a financial advisor with LPL Financial in Escondido, CA, holding Series 63 and Series 66 licenses and 26 years of industry experience. His prior experience includes roles at City National Bank and RBC Capital Markets LLC. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations. The firm offers financial planning, advisory programs, and retirement plan consulting, providing both discretionary and non-discretionary management supported by model portfolios and research.

Luis Garcia is a Financial Consultant at Fidelity Investments, a role he has held since 2022. His approach to client engagement emphasizes relationship building and understanding clients' personal goals and concerns to develop financial plans aimed at achieving financial security. Prior to his current position, he served as an Investment Consultant and Financial Representative at Fidelity Investments, and has held roles including Jr Financial Advisor at Financial Plan Design, Brokerage Associate at Wells Fargo Advisors, and Insurance Agent at State Farm. Luis holds a California Insurance License and has experience across various facets of financial advising and insurance services. Outside of his professional work, he has personal interests that include attending concerts, playing golf, military service, parenthood, and caring for pets.

David Zerkle is a financial advisor at Charles Schwab with 26 years of industry experience. He holds Series 63 and Series 66 licenses and previously worked at TD Waterhouse Investor Services, Inc. for 24 years before joining Charles Schwab in 2022. 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 both non-discretionary and discretionary investment solutions supported by multi-asset model portfolios and centralized operational resources.

Patrick Weishan is a financial advisor with OSAIC, holding Series 63 and Series 65 credentials and over 35 years of industry experience. He previously worked at Sagepoint Financial, Inc. for 14 years and has operated his own advisory services since 1997. In addition to advisory work, he has served as Vice President of Operations at Pacific Custom Systems, Inc. OSAIC Wealth, Inc. serves a diverse client base including individual investors, high-net-worth clients, pension plans, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing various asset allocation tools and third-party platforms to manage portfolios through both discretionary and non-discretionary accounts.

Yesenia Gil is a Series 66-licensed financial advisor at Morgan Stanley with two years of experience in her current role. She previously worked at Wells Fargo Private Bank for six years and held other positions within the Wells Fargo organization from 2010 to 2018. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses structured discovery processes and advanced modeling tools in its financial planning services.

Greer Moseman is a financial advisor at Morgan Stanley with five years of industry experience. She holds a Series 66 license and has worked at Morgan Stanley Private Bank and Morgan Stanley Smith Barney since 2021. Prior to that, she was involved with The Art Of Coaching and Coast Volleyball Club, and attended the University of North Carolina Chapel Hill. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets. The firm uses structured discovery processes and proprietary planning tools as part of its financial planning services.

River Coop is a financial advisor with Ameriprise in Oceanside, CA, holding Series 63 and Series 66 licenses and six years of industry experience. Prior to joining Ameriprise, River worked at Professional Cleaners and Auburn University. Ameriprise provides retirement-income planning services primarily for individuals approaching or in retirement with substantial investable assets, combining research, modeling, and tax-efficiency analysis to deliver written recommendation reports through a centralized consulting team. The firm offers a broad range of advisory, brokerage, and insurance solutions typical of a large institutional firm.

Brian Chambers serves as Vice President and Financial Consultant at Fidelity Investments, a position he has held since 2004. Prior to this role, he worked as a Financial Consultant at Wachovia Securities from 1998 to 2004. In his professional capacity, Brian focuses on guiding clients to build flexible financial plans designed to adapt to changing needs while aiming to grow and protect their wealth over time. He finds it rewarding to assist clients through important financial decisions and to help them navigate uncertain times. Brian holds a California Insurance License, supporting his expertise in financial consulting. Outside of his professional work, he engages in activities such as biking, motorcycles, outdoor adventures, sailing, snowboarding, and tennis.

Robert Winston is a financial advisor with Morgan Stanley in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 40 years of industry experience. He has been with Morgan Stanley since 2009, including over a decade at Morgan Stanley Private Bank, N.A. Outside of his advisory role, he serves as a lifetime-appointed board member of the Selective Service System, a position made by the President of the United States. Morgan Stanley Wealth Management provides a range of advisory programs to both individual and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools.

Brian Mclean is a financial advisor at OSAIC with 28 years of industry experience. He holds Series 63 and Series 65 designations and previously worked at The Retirement Group, LLC and FSC Securities Corporation. He serves as a volunteer director on the board of Casa de las Campanas, a nonprofit retirement community in North San Diego County. OSAIC serves a broad mix of retail and institutional clients through a large network of affiliated advisers and offers integrated brokerage and advisory services, including financial planning, retirement consulting, and access to third-party money managers. The firm employs various portfolio construction tools and supports both discretionary and non-discretionary account management.

Ross Hansen is a financial advisor with LPL Financial in Carlsbad, CA, holding CFP® and Series 63 and 65 credentials. He has 37 years of industry experience, including prior roles at Morgan Stanley, Edward Jones, and U.S. Bancorp Advisors. LPL Financial is an SEC-registered investment adviser and broker-dealer serving 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, supported by strategic and tactical model portfolios and various technology-driven services.

Alexis Saucedo is a financial advisor at Morgan Stanley in San Diego, CA, holding Series 63 and Series 66 credentials with seven years of industry experience. Prior to joining Morgan Stanley in 2026, Alexis worked at Wells Fargo Bank and its affiliated entities from 2013 to 2026. Morgan Stanley Wealth Management serves both individual and institutional clients, offering a range of advisory programs including tailored financial planning. The firm employs a structured planning process supported by firm-approved tools and manages approximately $2.74 trillion in client assets.

Kathleen Byrnes is a Wealth Management Advisor at Merrill Lynch Wealth Management. She specializes in investing, wealth management, and tax minimization, working closely with individuals and families to help them preserve and invest their wealth smartly and tax efficiently. Kathleen focuses on understanding the goals and values of her clients to provide tailored planning across various areas such as retirement income, legacy planning, philanthropic planning, and small business strategies. Before joining Merrill, Kathleen spent a decade at investment management firms including Goldman Sachs and AllianceBernstein. She holds the Chartered Financial Analyst (CFA) and CERTIFIED FINANCIAL PLANNER (CFP) designations. Kathleen earned a Bachelor of Science in Finance and Bachelor of Arts degrees in Economics, Spanish, and International Studies from The Pennsylvania State University. Originally from Philadelphia, Kathleen resides in Carlsbad, California with her husband and two daughters. Outside of her professional work, she is involved with the Carlsbad Fire Department Foundation and the San Diego Penn State Alumni Association. Her personal interests include cooking, football, interior decorating, music, reading, running, soccer, traveling, yoga, and spending time with her family.