Richard Plum is a Certified Financial Planner (CFP®) with 37 years of industry experience. He is currently affiliated with LPL Financial and has held roles at Lucia Securities, RJL Wealth Management, and operates Richard Plum Insurance. LPL Financial is a national investment adviser and broker-dealer serving individuals, retirement plans, corporations, and charitable organizations through a broad network of representatives. The firm offers a range of advisory programs and financial planning services, utilizing model portfolios and research from multiple sources.

John Lipari is a financial advisor at UBS Financial Services with 43 years of industry experience. He holds a Series 63 designation and has been with UBS since 2014. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a broad range of capital markets and research resources.

Erik Amirkhanyan is a financial advisor at Merrill in San Diego, CA, with a Series 66 credential and less than one year of industry experience. His work background includes roles at Bank of America and various positions outside finance such as at restaurants and electric companies. Merrill, together with its affiliate Managed Account Advisors LLC, offers managed account services through the Select Portfolio Solutions Program, providing model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutions.

Alissa Faiers is a CFP®-certified financial advisor with 14 years of industry experience, currently practicing at Morgan Stanley in Carlsbad, CA. She has been with Morgan Stanley since 2016. Outside of her advisory role, she is involved in managing rental property. Morgan Stanley Wealth Management serves both individuals and institutional clients, offering a range of advisory programs and tailored financial planning services that utilize structured discovery and firm-approved planning tools.

Laura Rasmussen is a financial advisor at Merrill with 24 years of industry experience. She holds the Series 63 and Series 66 designations and has worked at firms including Wells Fargo Clearing and HD Vest Advisory Services. Rasmussen is currently based in Rancho Santa Fe, CA. 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, and institutional investors.

Dann Sokol is a financial advisor with Morgan Stanley, holding Series 63 and Series 65 credentials and offering 46 years of industry experience. He has worked with Morgan Stanley Smith Barney since 2009 and Morgan Stanley Private Bank, National Association since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients with comprehensive advisory programs and financial planning services. The firm manages approximately $2.74 trillion in client assets and employs structured planning tools and firm-approved methodologies, including Monte Carlo simulations, to support financial planning.

Austin Taylor is a financial advisor at J.P. Morgan Securities with 15 years of industry experience. He holds Series 65 and Series 66 licenses and has worked at JPMorgan Chase Bank and JPMorgan Securities since 2012. J.P. Morgan Securities LLC provides investment consulting and advisory services mainly to institutional clients and retirement plan sponsors, combining quantitative asset-allocation modeling with centralized due diligence. Their advisory services focus on non-discretionary recommendations with an ESG eligibility framework and access to a broad range of investment products.

Hannah Kelly is a financial advisor with LPL Financial, holding a Series 66 license and five years of industry experience. She has held positions at LPL Financial and Dunham & Associates Investment Counsel, Inc., and has recent involvement with AEFCT outside of investment-related activities. LPL Financial serves a broad client base including individuals, retirement plans, and institutions, offering financial planning, advisory programs, and retirement consulting through a national network of investment adviser representatives. The firm provides both discretionary and non-discretionary management alongside research-supported model portfolios and diverse investment strategies.

Michelle White is a Series 66 licensed financial advisor at Stifel with three years of industry experience. Before joining Stifel in 2022, she worked at CHC Helicopter for five years and C&J Energy Services for two years. Stifel serves a diverse client base, including individuals, institutional clients, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodology developed by its Investment Strategy Group.

Lisa Kern is a financial advisor at Wells Fargo Clearing with 36 years of industry experience. She holds Series 63 and Series 65 licenses and has been with Wells Fargo Clearing since 2016, previously working at Wells Fargo Advisors LLC. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader range of investment options that include insurance-related vehicles and bank deposit sweep programs.

Kevin Choi is a financial advisor with Wells Fargo Clearing, holding Series 63 and Series 65 designations and 12 years of industry experience. His prior roles include positions at Northwestern Mutual Investment Services LLC and Shareholders Service Group. 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 a broad range of investment options, including insurance-related vehicles and bank deposit sweep programs.

Christian Chapman is a financial advisor with LPL Financial in Vista, CA, holding Series 63 and Series 65 credentials, and has six years of industry experience. Prior to joining LPL Financial in 2020, he was involved with Compass Balloons and has served as an assistant coach for the Carlsbad Unified School District and the Friday Night Lights youth flag football league. 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. The firm offers various advisory programs, retirement plan consulting, and brokerage services, utilizing model portfolios and research from both internal and third-party sources.

Brooke Morris is a financial advisor at Fidelity with Series 63 and Series 66 credentials and three years of industry experience. Prior to joining Fidelity, Brooke worked at Northwestern Mutual Wealth Management Company and had roles at several other firms including SA Consulting and Cortica. Brooke also spent two years involved with The Louis Armstrong Center for Music and Medicine. Strategic Advisers LLC, a Fidelity Investments company where Brooke is based, provides investment management and advisory services to a diverse client base including retail and institutional investors. The firm uses a combination of proprietary fundamental research, quantitative analysis, and algorithmic portfolio construction to manage portfolios and delivers model portfolios to intermediary platforms.

Kristy Parker is a financial advisor at Charles Schwab with 19 years of industry experience. She holds the Series 66 designation and has been with Charles Schwab and Charles Schwab Bank since 2008. Charles Schwab & Co., Inc. serves a large client base primarily composed of 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 combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers a multi-asset, model portfolio investment approach supported by centralized supervision and custody services.

Francisco Aguayo is a financial advisor at Merrill with four years of industry experience. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2016. Outside of his advisory role, he is the sole owner of a rental property business in Bonsall, California. 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 a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional accounts.

Thomas Klimisch is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 licenses and having 29 years of industry experience. He has been with Wells Fargo Clearing since 2016 and previously worked at Wells Fargo Advisors from 2012 to 2016. Wells Fargo Clearing provides retirement plan consulting to qualified ERISA plans and non-qualified deferred compensation plans, offering both discretionary and non-discretionary services. The firm’s advisory process is IPS-driven and grounded in modern portfolio theory, with a broader set of financial product offerings that include insurance-related vehicles and bank deposit sweep options.

Jeffrey Tadder is a CFP® with 32 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he holds a 50% ownership in Fish On, LLC, a non-investment-related business involving boat ownership. 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 advisory approach incorporates modern portfolio theory and includes a broad range of financial products, including insurance-related vehicles and bank deposit sweep options.

Noah Cicciarelli is a financial advisor at J.P. Morgan Securities with three years of industry experience. He holds a Series 66 designation and has worked previously at Axos Invest, Inc., BOFI Federal Bank, Axos Financial Inc., and Bank of America. Noah is based in San Marcos, CA. J.P. Morgan Securities provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, focusing on asset allocation, investment manager searches, and customized performance reporting. The firm combines quantitative modeling with centralized due diligence and applies an ESG eligibility framework when recommending strategies.

Donald Mc Kinney is a financial advisor with Cambridge Investment Research Advisors, holding Series 63 and Series 65 designations and bringing 32 years of industry experience. He previously worked at Neidiger, Tucker, Bruner, Inc. for 22 years and had long tenures at Linclay Management. Cambridge Investment Research Advisors is a large SEC-registered firm serving a diverse client base that includes individuals, pension and profit-sharing plans, charitable organizations, trusts, and retirement-plan sponsors. The firm provides financial planning, investment management, and retirement advisory services through a network of independent financial professionals, offering a range of portfolio management solutions tailored to client objectives.

Susan Alefi is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 licenses and 28 years of industry experience. She has previously worked at Wells Fargo Clearing and WELLS FARGO Advisors. In addition to her advisory role, she is involved in teaching seminars and owns a tax preparation and accounting business. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, financial institutions, corporations, and charitable organizations nationwide. The firm offers a range of advisory programs, retirement consulting, and brokerage services with access to proprietary and third-party research and portfolio management solutions.