Shane Terry is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 66 credentials and 30 years of industry experience. He has been with LPL Financial since 2015. Terry also operates Terry Capital, Inc., an investment-related business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolio programs, third-party asset management, and institutional platforms, delivering advice through a large network of investment adviser representatives who utilize a range of discretionary and non-discretionary investment strategies.

Edward Creed is a financial advisor at Ameriprise with 37 years of industry experience. He has held roles within Ameriprise and Ameriprise Financial Services, Inc. since 2005. He holds a Series 63 designation. Ameriprise Financial Services is a large, diversified advisory firm serving individual and institutional clients, offering a specialized Premier Retirement Income service focused on retirement income planning through written recommendations and ongoing advice. The firm integrates proprietary research and algorithmic tools with a selective investment approach influenced by its affiliated product ecosystem.

Russell Fujii is a financial advisor with Edward Jones in Carlsbad, CA, holding a Series 66 credential and possessing 10 years of industry experience. He has been with Edward Jones since 2016. Outside of his advisory role, he serves as a trustee for a family living trust. 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 through a large national network of advisors and offers a range of discretionary and non-discretionary investment strategies along with affiliated mutual funds and specialized services.

Mark Vigil is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 credentials and with 28 years of industry experience. His prior roles include positions at Kestra Investment Services, Morgan Stanley, Merrill, and Wells Fargo Investments. He is also Managing Director of Tailwind Wealth Advisors, an independent RIA providing investment advisory services. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers financial planning, model portfolios, third-party asset management, and institutional platforms, supporting advisors with research and operational tools across a wide range of investment strategies.

Ryan Montes is a financial advisor with J.P. Morgan Securities, holding a Series 66 designation and nine years of industry experience. His prior roles include positions at E*Trade Financial Corporation, Morgan Stanley, Charles Schwab, TD Ameritrade, Massachusetts Mutual Life Insurance, and Edward Jones. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients through a non-discretionary advisory program that focuses on written asset allocation advice, investment manager and fund searches, and customized performance reporting.

Ariana Jordan is a financial advisor with Wells Fargo Clearing in Rancho Santa Fe, CA. She holds a Series 66 designation and has nine years of industry experience, including a prior role at Investment Technology Group. Jordan has been with Wells Fargo Clearing since 2017. 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, supporting a large network of financial advisors and offering both brokerage and advisory solutions.

Michael Shanahan is a CFP® professional with 26 years of experience in financial advising, currently associated with LPL Financial. He has worked at LPL Financial since 2003 and was a principal at Overland and Shanahan for 20 years. His outside activities include sales of non-variable insurance and serving as a 401(k) trustee. LPL Financial is a national broker-dealer and SEC-registered investment adviser that provides advisory and brokerage services to individuals, retirement plan participants, banks, trust companies, and other institutions. Its platform offers a range of financial planning and investment management options delivered through a large network of advisers.

Matthew Kaiser is a financial advisor with Morgan Stanley in Carlsbad, CA, holding a Series 66 designation and five years of industry experience. He has worked with Morgan Stanley Private Bank and Morgan Stanley Wealth Management since 2021. Prior to his financial services career, he held positions at Chipotle Mexican Grill and the University of California, Irvine. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with a range of advisory programs, including tailored financial planning. The firm manages approximately $2.74 trillion in client assets and uses a structured planning process supported by firm-approved tools and market models.

Juan Fernandez is a financial advisor with Charles Schwab in San Diego, CA, holding Series 63 and Series 66 licenses and bringing 26 years of industry experience. His prior experience includes long tenures at E*TRADE Capital Management LLC and E*Trade Securities LLC, as well as a brief period at Morgan Stanley. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers multi-asset model portfolios alongside alternative investment options, supported by centralized custody and operational infrastructure.

Jesse Starr is a CFP® with 18 years of experience in the financial industry, currently serving at Morgan Stanley in San Diego, CA. His prior work includes roles at Wells Fargo Clearing and JPMorgan Securities LLC. Outside of his advisory work, he is a partner at Starr Ventures 1738 LLC, a real estate investment business based in Montana. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a variety of advisory programs to individuals and institutions, including personalized financial planning and estate strategies. The firm manages approximately $2.74 trillion in client assets and utilizes structured planning tools and market modeling to assist clients in their financial decisions.

Maverick Martin is a financial advisor at Fidelity with a Series 66 designation and one year of industry experience. His work history includes roles at several organizations, including SD Adventures and The Sandbox. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, including retail and institutional investors. The firm utilizes a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction, with distinctive features such as registration as a commodity pool operator and formal advisory roles to multiple registered investment companies.

Monique Neal Corotis is a financial advisor at Edward Jones with 15 years of industry experience. She holds the Series 66 designation and has been with Edward Jones since 2014. 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 provides a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, tax-efficient services, and access to affiliated mutual funds and separately managed accounts.

Blake Foster is a CFP®-certified financial advisor with 30 years of industry experience, currently with Wells Fargo Clearing since 2016. He previously worked at Prudential Equity Group, LLC from 1997 to 2003. Foster is based in San Diego, 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 offers a range of brokerage and advisory solutions supported by research and analytics.

Dean Pfremmer is a financial advisor with Morgan Stanley in San Diego, CA, holding Series 63 and Series 65 designations and bringing 43 years of industry experience. He has worked at various Morgan Stanley entities since 1997, including Morgan Stanley Private Bank and Morgan Stanley Smith Barney. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients with a wide range of advisory programs, including tailored financial planning and estate planning strategies. The firm manages approximately $2.74 trillion in client assets and emphasizes structured planning processes supported by advanced modeling tools.

Hector Del Castillo is a financial advisor with Raymond James Financial, holding a Series 66 designation and seven years of industry experience. His prior roles include positions at Mission Fed Investment Services, Integrated Wealth Concepts, LPL Financial, and Wells Fargo. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to a wide range of clients, including individuals, high-net-worth clients, corporations, and institutional entities. The firm provides tailored, non-discretionary planning using analytical tools and supports municipal and public-finance work through a unique affiliation with a municipal advisor.

Emmett Lichtenberg is an Investment Consultant currently working at Fidelity Investments since 2025. In this role, he partners with clients to help them build and maintain tailored financial plans designed to align with their financial goals. Prior to this, Emmett worked as a Financial Solutions Advisor at Merrill Lynch from 2024 to 2025. He holds a California Insurance License.

Jacob Yu is a Planning Consultant at Fidelity Investments, where he collaborates with wealth management teams to develop financial plans tailored to clients' goals and needs. He has held several roles within Fidelity Investments since 2020, including Relationship Manager, Central Relationship Manager, High Net Worth Associate, and Customer Relationship Advocate. Prior to joining Fidelity, he worked as an Associate Banker at Chase from 2019 to 2020. Jacob holds a California Insurance License, supporting his work in financial planning and client services. Outside of his professional responsibilities, he engages in activities such as camping, fitness, golf, skiing, tennis, and participates in social events with friends.

Francisco Tirado is a financial advisor at Ameriprise with 17 years of industry experience, including 12 years at Edward Jones before joining Ameriprise in 2020. He holds a Series 66 designation. Ameriprise provides retirement-income planning services primarily for individuals with significant investable assets, combining research, modeling, and tax-efficiency analysis to deliver tailored, non-discretionary recommendations through a centralized consulting team.

Steven Much is a financial advisor at Edward Jones with three years of industry experience. He holds a Series 66 designation and has previously worked at Cox Communications and several other organizations. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages over $1 trillion in assets and offers a range of advisory strategies, including discretionary and non-discretionary wrap fee programs, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Jake Fleischer is a financial advisor with Raymond James Financial Services Advisors, Inc. He holds a Series 66 designation and has nine years of industry experience. Prior to his current role, he worked at Raymond James & Associates from 2017 to 2024 and spent one year at The Greyhound. In addition to his advisory work, Fleischer is involved with Ing Wealth Strategies and Simpatico, where he serves in financial advisor roles. Raymond James Financial Services Advisors, Inc. provides financial planning and investment consulting services to a diverse client base that includes individuals, high-net-worth clients, institutions, and charitable organizations. The firm offers non-discretionary planning tailored to client goals using risk profiling and analytical tools, and it supports advisory programs and institutional consulting through a large network of advisors.