Michael Hamner is a financial advisor with Cetera in Carlsbad, CA, holding a Series 66 designation and 26 years of industry experience. He has been with Cetera and its related entities since 2003 and runs Hamner & Associates, an accounting and tax planning firm established in 1987. Cetera Investment Advisers LLC operates as an SEC-registered adviser serving individuals, retirement plans, corporate and charitable clients, and institutions through a nationwide network of independent advisors. The firm offers a range of portfolio management and financial planning services, featuring multiple program structures and access to both affiliated and third-party managers.

Andrea Sperduto is a financial advisor at Wells Fargo Advisors with 25 years of industry experience. She has worked at Wells Fargo Clearing from 2016 to 2023 before joining Wells Fargo Advisors. She holds a Series 63 designation and is based in San Diego, CA. Outside of her advisory role, she acts as power of attorney for her father. Wells Fargo Advisors Financial Network is a large broker-dealer and registered investment adviser serving individuals, trusts, and institutional clients. The firm offers a broad range of financial planning services and uses internal research and planning tools to develop tailored recommendations for clients.

Charles Rose is a Financial Advisor at Merrill Lynch Wealth Management and a member of The Rose Group. He joined Merrill in 2022 after interning with the firm in 2021. At Merrill, Charles advises clients on a range of wealth management services including risk management, portfolio management, education planning, legacy planning, liquidity management, and personal retirement planning. He focuses on building personalized financial plans that help clients preserve and grow assets over generations. Charles is a CERTIFIED FINANCIAL PLANNER® certificant and holds Securities Industry Essentials® (SIE®), Series 7, and Series 66 FINRA registrations. He earned his Bachelor's Degree from the University of Colorado and is an active member of Merrill Lynch Wealth Management. His expertise supports clients in achieving their long-term financial goals through diligent, tailored advice and guidance. Born and raised in San Diego, Charles enjoys an active lifestyle including basketball, golfing, hiking, tennis, running, and pickleball. He also values reading, traveling, watching movies, and spending quality time with his family and friends.

Anna Thomas is a financial advisor at Morgan Stanley with 21 years of industry experience. She has been with Morgan Stanley Smith Barney since 2009 and holds a Series 66 designation. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a broad range of advisory programs to individuals and institutions, including tailored financial planning and estate planning services. The firm manages approximately $2.74 trillion in client assets and uses structured planning tools in its advisory process.

Rashard Cook is a financial advisor with LPL Financial in San Diego, CA, holding Series 63 and Series 66 credentials and bringing 16 years of industry experience. His prior roles include positions at U.S. Bancorp Advisors, RJL Wealth Management, and Lucia Securities. Outside of advising, he serves as an assistant football coach and is involved in residential real estate 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 a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management access, and institutional platforms.

Jason Kaimer is a financial advisor at UBS Financial Services with 26 years of industry experience. He holds Series 66 and Series 63 licenses and previously worked at First Republic Securities Company LLC and First Republic Bank for over two decades. He is based in San Diego, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including portfolio management and financial planning. The firm combines institutional trading capabilities with wealth management and offers proprietary research and a broad range of capital markets services.

Brett Everhart is a financial advisor with Raymond James Financial Services Advisors, Inc. in San Diego, CA, holding Series 63 and Series 65 licenses and bringing 43 years of industry experience. His career includes roles at firms such as LPL Financial and First Investments & Planning. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, institutions, and charitable organizations. The firm offers tailored, non-discretionary planning and supports a wide network of advisors with specialized services in municipal finance and employer advisory programs.

Wyatt Farmer is a financial advisor at Stifel with 23 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus since 2015. Stifel serves a diverse range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by proprietary investment analysis and allocation methodologies developed by its Investment Strategy Group.

Gary Sengle is a financial advisor with OSAIC, holding Series 63 and Series 65 licenses and eight years of industry experience. Prior to joining OSAIC in 2023, he worked at Sagepoint Financial, Inc. and Royal Alliance. Outside of finance, he owns and operates a residential plumbing business and is developing a public speaking and coaching role focused on leadership principles. OSAIC Wealth serves a diverse client base including individual investors, retirement plans, charities, and corporations, offering a broad range of brokerage and advisory services supported by model-based asset allocation and portfolio optimization tools.

Timothy Wright is a CFP®-certified financial advisor with eight years of industry experience, currently with LPL Financial. His prior roles include positions at PNC Investments and J.P. Morgan Securities. Outside of his advisory work, he is involved with Outside Wealth LLC, a business entity for tax and investment purposes. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm provides a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Jee Eun Decker is a financial advisor with J.P. Morgan Securities in San Diego, CA, holding Series 63 and Series 65 credentials and eight years of industry experience. Prior to joining J.P. Morgan Securities and JPMorgan Chase Bank in 2026, she worked at Bank of America, Merrill, Wells Fargo, LPL Financial, and Lucia Management Co LLC. J.P. Morgan Securities provides institutional consulting services to plan sponsors, corporations, endowments, and other institutional clients, focusing on written asset allocation advice, investment manager and fund searches, and customized performance reporting. The firm combines quantitative and qualitative research through a centralized manager solutions team and offers broader derivatives and commodities capabilities compared with many institutional advisory programs.

Jerwin Paz is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds the Series 66 designation and has worked previously at Wells Fargo Clearing, J.P. Morgan Securities, and Chase Investment Services Corp. His current roles include positions at Morgan Stanley Private Bank, N.A., and Morgan Stanley Smith Barney LLC. Morgan Stanley Wealth Management provides a wide range of advisory programs to individuals and institutional clients, offering tailored financial planning supported by structured discovery conversations and firm-approved planning tools. The firm manages approximately $2.74 trillion in client assets and delivers services both directly and through corporate financial planning agreements.

Thomas Kokjohn is a financial advisor at Morgan Stanley with 24 years of industry experience. He holds a Series 66 designation and has been with Morgan Stanley since 2009, including work with Morgan Stanley Private Bank, National Association. He is based in San Diego, CA. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving individuals and institutional clients. The firm offers a range of advisory programs including tailored financial planning, managing approximately $2.74 trillion in client assets.

Scott Hood is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 27 years of industry experience. He has worked at Wells Fargo Clearing since 2016 and spent 14 years with Merrill prior to that. Based in Carlsbad, CA, Hood serves clients through Wells Fargo’s extensive financial advisory platform. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, retirement plan consulting, and brokerage solutions to individual, corporate, and institutional clients. The firm manages approximately $671 billion in assets and supports more than 14,000 financial advisors.

John Prokos Jr. is a financial advisor with LPL Financial based in San Diego, CA. He holds a Series 63 designation and has 39 years of industry experience. He has worked with firms including Lucia Securities, LLC and RJL Wealth Management, LLC. Outside of his advisory roles, he has been involved with the YMCA of Boca Raton. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and institutions. The firm offers a range of advisory and brokerage services, including financial planning, model portfolio programs, third-party asset management, and institutional platforms.

Katelynne Conser is a CFP® certificant and holds a Series 66 license with eight years of industry experience. She has been with Edward Jones since 2018 and previously worked at Veyo LLC and TUV SUD America, Inc. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm offers a range of advisory programs and investment solutions, managing approximately $1.01 trillion in assets through a nationwide network of financial advisors and branch offices.

Kelly Rosenthal is a financial advisor with Wells Fargo Clearing in San Diego, CA, holding Series 63 and Series 65 credentials and 10 years of industry experience. Prior to joining Wells Fargo in 2018, Rosenthal worked at Origin Tax and Financial Services and US Bank NA. Outside of financial advising, Rosenthal co-owns K&J Ventures LLC, a business involved in buying and selling clothes, shoes, video games, and DVDs online. Wells Fargo Advisors is a national securities firm that provides investment advisory services, financial planning, and retirement plan consulting to a broad range of clients, including individuals, corporations, and institutions. The firm combines research from Wells Fargo Investment Institute and third-party sources to evaluate investment options, offering both brokerage and advisory solutions.

Katherine Robinson is a financial advisor with Raymond James & Associates in Carlsbad, CA, holding a Series 66 designation and 14 years of industry experience. She has been with Raymond James & Associates since 2014. Raymond James & Associates is a large, dually registered broker-dealer and SEC-registered investment adviser overseeing approximately $501 billion in assets. The firm serves a diverse client base, including individuals, institutional clients, and municipal entities, offering financial planning and non-discretionary investment consulting with access to a range of portfolio management styles and affiliated research.

Jeffrey Feinberg is a financial advisor with LPL Financial, holding Series 63 and Series 65 licenses and bringing 38 years of industry experience. His career includes prior roles at firms such as Piper Sandler & Co., Morgan Stanley, and Wells Fargo Clearing. Feinberg also operated A Street Financial Advisors, Inc., a business related to his work with LPL Financial. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plan participants, banks, trust companies, and institutions. The firm offers a range of financial planning and investment management services through a large network of advisors, utilizing model portfolios, third-party subadvisors, and customizable strategies.

Amy Violante is a financial advisor at OSAIC with 17 years of industry experience. She holds a Series 66 designation and previously worked at Lincoln Financial Advisors Corporation, Ameriprise Financial Services, Inc., and MSI Financial Services, Inc. She serves as co-trustee of her father's living revocable trust, assisting with cash flow and investment decisions. OSAIC provides brokerage and advisory services to a diverse client base including individual investors, retirement plan sponsors, charities, and corporate clients. The firm employs a model-based investment process with options for discretionary and advisor-managed strategies, supported by a broad multi-advisor platform.