Kevin Radcliffe is a CFP® professional with 30 years of experience in the financial services industry. He has been with Stifel Nicolaus & Co Inc since 2009. Based in Carlsbad, CA, he holds Series 63 and Series 65 licenses. Stifel serves a wide range of clients, including individuals, institutional clients, and charitable organizations, offering both brokerage and investment advisory services. The firm’s investment approach is based on proprietary methodologies developed by its Investment Strategy Group, utilizing forward-looking market assumptions and probabilistic modeling.

Austin White is a financial advisor at Fidelity with a Series 66 credential and four years of industry experience. His prior roles include positions at Money Concepts Capital Corp and Vision Solved Wealth Management Group. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including registered investment companies. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Brian Talgo is a financial advisor with Stifel in Carlsbad, CA, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. He has been with Stifel Nicolaus & Co. Inc. since 2011. 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.

Timothy Landry is a financial advisor with LPL Financial in Carlsbad, CA, holding a Series 66 designation and 26 years of industry experience. He has been with LPL Financial since 2008. Outside of his advisory role, he is involved with East 2 West Properties, LLC and Cal Point Properties, LLC, which provides accommodations for client meetings on the East Coast. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a national network of representatives. The firm offers a wide range of financial planning and advisory programs, including both discretionary and non-discretionary management, supported by research and technology-driven portfolio strategies.

Samuel Castro is a financial advisor at Merrill with two years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at Wells Fargo Clearing and Wells Fargo Bank. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Virginia Stagg is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and with 23 years of industry experience. She has been with Morgan Stanley Smith Barney LLC since 2014. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individual and institutional clients. The firm provides a wide range of advisory programs, including tailored financial planning and estate planning strategies, managing approximately $2.74 trillion in client assets.

Amber Smith is a financial advisor with Morgan Stanley in San Diego, CA, holding a Series 66 designation and 13 years of industry experience. She previously worked at Wells Fargo Advisors and Wells Fargo Clearing before joining Morgan Stanley Private Bank and Morgan Stanley Smith Barney LLC in 2021. Outside of her advisory role, she serves on the San Pasqual High School Business Advisory Council and assists as a volleyball coach, organizing sports tournaments. Morgan Stanley Wealth Management provides advisory programs and tailored financial planning services to individuals and institutional clients, managing approximately $2.74 trillion in client assets. The firm’s approach includes structured planning tools and modeling techniques, offering a broad range of financial services without providing individual security recommendations as part of standalone planning.

Daniel Cohn is a Financial Advisor and Senior Portfolio Advisor at Merrill Lynch Wealth Management based in the Del Mar San Diego office. He holds the Chartered Retirement Planning Counselor (CRPC) designation and operates within the line of business at Merrill Lynch Wealth Management. Daniel works collaboratively with clients to develop financial plans and investment strategies tailored to their individual goals, providing ongoing advice as their needs evolve. He has a Bachelor's Degree in Mathematical & Computational Science from Stanford University and holds three FINRA/SEC securities licenses. Prior to joining Merrill Lynch, Daniel spent his career on Wall Street in New York, working with wealth management teams, commodities and rates trading desks, and in equity research covering various sectors including Utilities and Clean Energy. His experience informs his approach to helping individuals and families navigate diverse market environments. Daniel's client focus encompasses areas such as college education planning, equity compensation services, family wealth management strategies, legacy planning, liquidity management, personal retirement planning, philanthropic planning, small business strategies, and sectors like sports and entertainment. Outside of his professional role, he has personal interests in fishing, golfing, pickleball, running, soccer, and tennis.

John Howells IV is a CFP® professional with 42 years of industry experience, currently serving at Equitable Advisors since 2005. Prior to that, he was affiliated with Axa Advisors, LLC for 15 years. Outside of his advisory role, he is a ward mission leader for the Church of Jesus Christ of Latter-Day Saints and an instructor at Mira Costa College and Palomar College. Equitable Advisors serves individual investors, retirement plan sponsors, corporations, and charitable organizations by providing financial planning, retirement-plan support, and access to asset management through LPL programs and third-party asset managers. The firm operates a hybrid referral and implementation model that combines advisory and brokerage/insurance channels to deliver tailored investment solutions.

Dylan Trauger is a financial advisor at Edward Jones with a Series 66 credential and two years of industry experience. Prior to joining Edward Jones in 2023, he served in the United States Navy from 2015 to 2019 and spent several years in full-time education. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients, offering a range of advisory programs and investment strategies supported by a nationwide network of more than 23,000 advisors.

Christopher Cassi is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds Series 63 and Series 66 credentials and has been with J.P. Morgan Securities since 2020. His prior experience includes roles at JPMorgan Chase Bank and Northwestern Mutual Investment Services. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing a process that combines quantitative asset-allocation modeling with centralized due diligence and an ESG eligibility framework.

Charles Brown Jr. is a CFP®-designated financial advisor with 19 years of industry experience, currently with Raymond James & Associates. He previously worked at City National Securities and USAA Financial Advisors Inc. Outside of his advisory role, he is the Owner and CEO of C. Brown Properties LLC, a company involved in acquiring and managing rental properties. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser serving individuals, institutions, pension plans, and municipal entities. The firm offers financial planning and non-discretionary investment consulting, utilizing a range of portfolio management styles supported by firm research and affiliated sub-advisers.

Alex Gitelson is a financial advisor at J.P. Morgan Securities with five years of industry experience. He holds the Series 66 designation and has worked at JPMorgan Chase Bank, Bank of America, City National Bank, and other firms. Outside of financial services, he is the owner of ORQID MANAGEMENT LLC, a holding company for proprietary AI software he developed with a partner. 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 an ESG eligibility framework to support its recommendations.

Paul Peters is a financial advisor with LPL Financial, holding a Series 63 designation and bringing 44 years of industry experience. He has been associated with Linsco/Private Ledger Corp. since 1995 and leads Peters Insurance Services Inc., which he has operated since 1981. 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 provides a range of advisory programs, financial planning, and retirement consulting, utilizing discretionary and non-discretionary management strategies supported by research from LPL Research and third-party subadvisors.

Shayne Gabris is a financial advisor at Fidelity with four years of industry experience. He holds a Series 66 designation and has worked at firms including Charles Schwab, TD Ameritrade, and SagePoint Financial. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, employing a blend of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction in its model portfolios, which include mutual funds, ETFs, and ETPs. The firm also engages in fund advisory and serves as a registered commodity pool operator.

Gregg Himfar is a financial advisor with LPL Financial in Carlsbad, CA, holding Series 63 and Series 65 licenses and 29 years of industry experience. He previously worked at Investacorp Advisory Services Inc and Prudential Investment Management Service. His outside business activities include acting as a non-variable insurance agent. LPL Financial serves individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, utilizing model portfolios and research from multiple sources.

Darren Poland is a financial advisor with LPL Financial in San Diego, CA, holding a Series 66 designation and seven years of industry experience. His career includes roles at Lucia Securities, VO Engineering, Trinity Geotechnical Engineering, and San Diego State University. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, institutions, and charitable organizations through a broad network of advisers. The firm offers financial planning, various advisory programs, retirement consulting, and brokerage services, providing both discretionary and non-discretionary management with access to model portfolios and research.

Ian Lucas is a financial advisor with LPL Financial in San Diego, CA, holding a Series 65 designation and 18 years of industry experience. He previously worked at Graham Investment Management, Inc. for 13 years and has been involved with Vx Logistics LLC since 2020. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of financial planning and advisory programs, including discretionary and non-discretionary management, model portfolios, and retirement plan consulting.

Ryan Wetsel is a Senior Financial Advisor with Merrill Lynch Wealth Management. He joined the firm in 2009 and specializes in assisting clients with commercial banking and financing strategies, managing concentrated stock positions, and navigating significant transition events such as retirement, inheritance, or the sale of a business. Before joining Merrill Lynch, Ryan gained experience working with Welfare Strategies in Adelaide, Australia, where he helped business owners establish corporate benefit programs. He also contributed to quality control and accounting standards efforts at the American Standard plant in China. Ryan holds a Bachelor of Science degree in Economics and Business from Westmont College in Santa Barbara. He has spent considerable time studying International Business across Europe, Asia, New Zealand, and South Africa. Ryan resides in Del Mar with his three children.

Jonathan Luevanos is a CFP® professional with 17 years of experience in the financial industry. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he owns and manages High Country Thoroughbreds, a thoroughbred horse business based in San Diego. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and incorporates modern portfolio theory, with a notable inclusion of insurance-related products and bank deposit sweep options among its investment offerings.