Scott Hemerick is a financial advisor at LPL Financial with 29 years of industry experience. His prior firms include Merrill, Fidelity, and Citigroup Global Markets. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a variety of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Andrew Meram is a Financial Consultant at Fidelity Investments. In this role, he partners with clients to develop holistic financial plans aimed at addressing key risks. His approach involves a four-step process that includes understanding clients' priorities, conducting a diagnostic analysis of their current financial situation, and providing clear recommendations without jargon. Andrew's experience at Fidelity Investments includes roles as Investment Consultant from 2022 to 2024, Relationship Manager from 2021 to 2022, and Financial Representative in 2021. He holds a California Insurance License. Outside of his professional work, Andrew enjoys boating and spending time with his family.

Gloria Ruuspakka is a financial advisor with LPL Financial in San Diego, CA, holding a Series 65 credential and three years of industry experience. She previously worked with Carson Wealth/Cetera Advisor Networks from 2018 to 2020 and was involved with One Extraordinary Marriage from 2016 to 2018. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, and institutional platforms, utilizing both discretionary and non-discretionary strategies supported by advisor-facing tools.

Samuel Dabney is a financial advisor at Edward Jones in Bonsall, CA, holding a Series 66 designation with five years of industry experience. Prior to joining Edward Jones in 2021, he served in the United States Marine Corps for 20 years. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds.

Daniel McMahon is a financial advisor with LPL Financial based in Carlsbad, CA, holding a Series 66 designation and 13 years of industry experience. He has previously worked at Commonwealth Financial Network, OSAIC, SAGEPOINT FINANCIAL, ICM Private Client Group, and Equitable Advisors. McMahon is also a co-owner of Terramar Wealth, Inc., a private entity involved in securities, advisory, and insurance business. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and other institutions. The firm offers a range of services including financial planning, model portfolio programs, third-party asset management, and institutional platforms, with advice provided by investment adviser representatives who may utilize various strategies and technology tools.

Jill Connelly is a financial advisor at Stifel with 32 years of industry experience. She holds Series 63 and Series 66 licenses and has been with Stifel Nicolaus & Co. since 2008. Stifel serves a wide range of clients including individuals, institutional clients, charitable organizations, and municipal entities. The firm offers brokerage and investment advisory services supported by a proprietary investment strategy developed by its Investment Strategy Group.

John Gilroy III is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 41 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and previously at Prudential Equity Group, LLC from 1997 to 2003. He also serves as a trustee for a family trust. Wells Fargo Advisors is a national securities firm offering investment advisory services, financial planning, and retirement plan consulting to individual, corporate, and institutional clients. The firm utilizes research and analytics to support its investment strategies and provides a broad range of brokerage and advisory solutions.

Michael Hayes is a financial advisor with Cetera, holding Series 63 and Series 65 credentials and bringing 29 years of industry experience. He previously worked at Girard Securities before joining Cetera Wealth Services in 2017, continuing with Cetera since 2023. Outside of advising, he is involved in fixed insurance sales and owns businesses in real estate and financial services. Cetera Investment Advisers LLC is a nationwide SEC-registered advisory firm serving individuals, retirement plans, corporate, charitable, and institutional clients. The firm offers various portfolio management and financial planning services through a multi-manager platform, supporting diverse investment strategies and programs.

Jason Rudolph is a financial advisor at Stifel with 23 years of industry experience. He holds a Series 66 designation and has worked at Stifel Nicolaus & Co Inc since 2016, following prior roles at Morgan Stanley and its affiliates from 2003 to 2016. Outside of his advisory work, he is a co-owner and operator of a snack and beverage vending business run alongside his wife. Stifel serves a diverse client base that includes individuals, institutional clients, and charitable organizations, providing brokerage and investment advisory services. The firm’s investment approach relies on proprietary forward-looking capital market assumptions and probabilistic modeling developed by its Investment Strategy Group.

Zachary Lefever is a financial advisor at Fidelity with two years of industry experience. He holds Series 63 and Series 66 licenses. His background includes roles at Fidelity Investments as well as positions in various other organizations and community activities, including a role with Semester at Sea. Fidelity's Strategic Advisers LLC provides investment management and advisory services to a diverse client base, utilizing a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios across mutual funds, ETFs, and ETPs.

Jon Frandell is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 66 designations and bringing 32 years of industry experience. His prior roles include positions at Bank of America and Merrill. He serves on the board of the Boys & Girls Clubs of North County Foundation, where he reviews financials to support ongoing programs. 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 IPS-driven investment approach incorporates a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Aaron Bray is a financial advisor with Charles Schwab in Carlsbad, CA, holding Series 63 and Series 65 credentials and bringing 20 years of industry experience. His career includes 17 years at TD Ameritrade and its investment management affiliate before joining Charles Schwab in 2022. Outside of his advisory role, he owns a rental property managed by a third party. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed accounts, offering both non-discretionary and discretionary investment options supported by centralized custody and integrated operational services.

Eric Moffitt is a financial advisor with Raymond James Financial Services Advisors Inc., holding Series 63 and Series 66 credentials and bringing 36 years of industry experience. His prior experience includes seven years with Wells Fargo Advisors Financial Network LLC. In addition to his advisory role, he is a licensed real estate agent with Berkshire Hathaway, focusing on residential home sales. Raymond James Financial Services Advisors delivers financial planning, investment consulting, and advisory services to a diverse client base that includes individuals, high-net-worth clients, pension plans, corporations, charitable organizations, and institutions. The firm offers tailored, non-discretionary planning and consulting using analytical tools to support client goals and maintains specialized services such as municipal advisory and SIMPLE IRA Employer Advisory programs.

Daniel Anderle is a financial advisor with Raymond James Financial in Encinitas, CA, holding a Series 66 designation and 19 years of industry experience. He has worked at Raymond James and affiliated entities since 2017, with prior experience at Union Bank MUFG. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, corporate, and institutional clients. The firm offers tailored, non-discretionary planning using analytical tools and supports municipal and public finance work through a unique affiliation with a municipal advisor.

Nicholas Cruz is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 65 and Series 63 licenses. He has three years of industry experience, including prior roles at Goldman Sachs and Bank of America Merrill Lynch. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting. Their advisory process combines quantitative and qualitative research, incorporating ESG considerations and broader derivatives and commodities capabilities.

Delanie Millan is a financial advisor at Merrill with one year of industry experience. She holds a Series 66 designation and has prior experience at Morgan Stanley and her own firm, Millan Group Inc. Outside of her advisory roles, no additional activities are noted. 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.

Kennedee Bennett is a financial advisor at Raymond James & Associates with two years of industry experience. She holds a Series 66 designation and has previously worked in various roles including positions at Azusa Pacific University and Poway Gymnastics. Raymond James & Associates, Inc. is a large, dually registered broker-dealer and SEC-registered investment adviser managing approximately $501 billion in assets. The firm serves a diverse client base including individuals, institutional clients, and municipal entities, offering financial planning and investment consulting through a range of portfolio management styles and affiliated research.

Ryan Flynn is a financial advisor with Raymond James Financial in Del Mar, CA, holding a Series 66 credential and 22 years of industry experience. He has been with Raymond James since 2007 and also leads Flynn Financial Group LLC. Flynn serves as a volunteer member of the investment committee for the Del Mar Foundation, overseeing the management of foundation funds. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and utilizes advanced analytical tools to support client goals.

Sara Peltier, Wmcp, is a financial advisor with J.P. Morgan Securities, holding Series 63 and Series 66 designations and seven years of industry experience. She has worked at J.P. Morgan Securities and JPMorgan Chase Bank, N.A. since 2019. Outside of her advisory role, she is a partner at TYGA RE INVESTMENTS, a real estate venture. J.P. Morgan Securities provides institutional consulting services focused on non-discretionary asset allocation advice, investment manager searches, and customized performance reporting for plan sponsors, corporations, and endowments. Their advisory process combines quantitative and qualitative research to support recommendations, which may include ESG criteria and leverage broad derivatives and commodities capabilities.

Richard Plum is a CFP® with 37 years of industry experience, currently serving with LPL Financial since 2020. His prior roles include positions at Lucia Securities, RJL Wealth Management, and operating Richard Plum Insurance since 1987. He is also involved with Lucia Capital Group, which supports his LPL business. LPL Financial is a national broker-dealer and SEC-registered investment adviser providing advisory and brokerage services to individuals, retirement plans, banks, trust companies, and institutions through a large network of investment adviser representatives. The firm offers a range of financial planning and investment management solutions, including access to model portfolios and third-party asset managers, supported by advanced research and operational tools.