John Norton III is a Series 66-licensed financial advisor with eight years of industry experience, currently with J.P. Morgan Securities in San Diego, CA. He has worked at various entities within the J.P. Morgan organization since 2016. J.P. Morgan Securities LLC provides investment consulting and advisory services primarily to institutional clients and retirement plan sponsors, utilizing quantitative asset-allocation modeling and centralized due diligence to deliver tailored investment advice. The firm integrates an ESG eligibility framework when recommending strategies and operates within the broader J.P. Morgan broker-dealer and banking organization.

Reid Matthews is a CFP® with 24 years of industry experience, currently serving as a financial advisor at Wells Fargo Clearing since 2021. He previously worked at City National Bank and RBC Capital Markets. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA plans and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment advisory solutions. The firm’s IPS-driven approach incorporates modern portfolio theory and includes a broad range of financial products such as insurance-related vehicles and bank deposit sweep options.

James Peasley II is a Series 66-licensed financial advisor with UBS Financial Services, where he has worked since 2008. He has 19 years of industry experience and is based in Ramona, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and discretionary portfolio management. The firm combines institutional trading capabilities with wealth management services and provides a wide range of capital markets, custody, and research resources.

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 various Wells Fargo entities since 2015. Outside of her advisory role, she serves 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 tailored to clients meeting a net-worth threshold, covering areas such as retirement, education, and specialized planning needs.

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 licenses and bringing 16 years of industry experience. He has worked with LPL Financial since 2020 and concurrently operates Rjl Wealth Management, where he has been active since 2012. Outside of his advisory work, Cook serves as an assistant football coach in Chula Vista, CA. LPL Financial is a national broker-dealer and SEC-registered investment adviser serving individuals, retirement plans, banks, trust companies, and other institutions through a broad network of investment adviser representatives. The firm offers a range of advisory and brokerage services, including financial planning, model portfolios, third-party asset management, and institutional platforms.

Jason Kaimer is a financial advisor with UBS Financial Services in San Diego, CA, holding Series 63 and Series 66 registrations and 26 years of industry experience. He previously worked at First Republic Securities Company LLC and First Republic Bank from 1999 to 2023. UBS Financial Services serves individual, corporate, and institutional clients with brokerage and investment advisory services, combining institutional trading capabilities with wealth management offerings. The firm uses proprietary research and model-based asset allocations to tailor client plans and provides a range of services including discretionary portfolio management, financial planning, and capital markets solutions.

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 at OSAIC with eight years of industry experience. He holds Series 63 and Series 65 licenses and previously worked at Sagepoint Financial, Inc. and Royal Alliance. Outside of advising, he owns and operates a residential plumbing business and is a public speaker and coach focusing on leadership principles. OSAIC Wealth, Inc. serves a diverse client base including individual investors, pension plans, corporations, and charitable organizations through a large network of affiliated advisers. The firm offers integrated brokerage and advisory services, utilizing asset-allocation tools and third-party platforms to construct customized portfolios across various asset classes.

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 at J.P. Morgan Securities with seven years of industry experience. She holds Series 63 and Series 65 licenses and has previously worked at Bank of America, Merrill, Wells Fargo, LPL Financial, and Lucia Management Co LLC. J.P. Morgan Securities provides institutional consulting services to corporations, foundations, and defined contribution plan sponsors, offering asset allocation advice, investment manager searches, and customized performance reporting. The firm combines large institutional advisory operations with broker-dealer and investment adviser registrations, delivering recommendations on a non-discretionary basis while clients retain final decision-making authority.

Jerwin Paz is a financial advisor at Morgan Stanley with 17 years of industry experience. He holds a Series 66 designation and has worked at Morgan Stanley Private Bank, N.A. and Morgan Stanley Smith Barney LLC since 2021, following prior roles at Wells Fargo Advisors and Wells Fargo Clearing. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that provides advisory programs and tailored financial planning services to individuals and institutional clients. The firm manages approximately $2.74 trillion in client assets and employs a structured planning process utilizing firm-approved tools and market-return modeling.

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.

Tracy Schechter is a financial advisor at Merrill with 26 years of industry experience. She holds Series 63 and Series 65 designations and has been with Merrill since 1999, as well as with Bank of America since 2026. Merrill, along 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 serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Scott Hood is a financial advisor with Wells Fargo Clearing, holding a Series 66 designation and 27 years of industry experience. He has been with Wells Fargo Clearing since 2016, following two years at Wells Fargo Advisors LLC. 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 from Wells Fargo Investment Institute and third-party sources.

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.