David Frederiksen is a financial advisor at Merrill with eight years of industry experience. He holds Series 63 and Series 66 registrations and has previously worked at Morgan Stanley Smith Barney LLC and T. Rowe Price Investment Services Inc. Frederiksen also has experience in higher education, having taught at Towson University and the Community College of Baltimore County. 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, retirement plans, corporations, and charitable organizations.

Timothy Shea is a CFP® certified financial advisor with 33 years of industry experience, currently with LPL Financial since 2020. He has also been affiliated with Lucia Securities, LLC and Lucia Capital Group since 2011 and 2010, respectively. LPL Financial is a registered investment adviser and broker-dealer serving individual clients, retirement plans, banks, credit unions, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting services, utilizing both discretionary and non-discretionary management along with model portfolios and research from multiple sources.

Steven Trifoglio is a financial advisor with UBS Financial Services, holding a Series 66 designation and 29 years of industry experience. He has been with UBS Financial Services since 2006. UBS Financial Services Inc. serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including financial planning, portfolio management, and distribution of mutual funds and alternative products. The firm combines institutional trading capabilities with wealth management services and utilizes proprietary research and model-based asset allocations to tailor plans to clients' goals and risk tolerances.

Michael Frey is a financial advisor at Charles Schwab with a Series 66 designation and three years of industry experience. He previously worked at Bank of America and Merrill Lynch from 2022 to 2025. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, through its Schwab Wealth Advisory wrap fee program and related managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and offers multi-asset model portfolios alongside a formal alternative investment onboarding process.

Ryan Coleman is a financial advisor with Edward Jones in Vista, CA, holding a Series 66 designation and 13 years of industry experience. He has been with Edward Jones since 2012. 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 strategies, operating under a fiduciary standard and managing approximately $1.01 trillion in assets.

Elizabeth Messick is a financial advisor at Morgan Stanley with 36 years of industry experience. She has been with Morgan Stanley since 2009 and also works with Morgan Stanley Private Bank, National Association since 2015. Outside of her advisory role, she has an ownership interest in Villa Klara Retirement Center in La Costa, California. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer that offers a wide range of advisory programs to both individual and institutional clients. The firm provides tailored financial planning supported by structured discovery processes and firm-approved tools, managing approximately $2.74 trillion in client assets.

Itamar Erster is a Financial Advisor specializing in wealth management at Merrill Lynch Wealth Management. He has been building his career in financial services since 2018, focusing on helping clients achieve their financial goals through personalized strategies. His client focus areas include education planning, family wealth management, retirement planning, portfolio management, tax minimization, and legacy planning. In his role, Itamar also connects clients to Bank of America specialists for banking, credit, home financing, and small business solutions. Itamar was raised near Los Angeles by Israeli immigrant parents and developed a strong foundation of determination and resilience. He pursued higher education at Sonoma State University, where he earned a bachelor's degree with a double concentration in Financial Management and Marketing, graduating Magna Cum Laude. During college, he took on leadership roles in the Phi Delta Theta Fraternity, including Treasurer and Scholarship Chair. Itamar holds several professional designations including Accredited Wealth Management Advisor (AWMA), Chartered Retirement Planning Counselor (CRPC), and Personal Investment Advisor (PIA). Outside of his professional work, Itamar enjoys spending time with his family and friends, playing basketball, hiking, traveling, and listening to music. He is involved in community service through the Phi Delta Theta Fraternity's Philanthropy Committee. He is bilingual in English and Hebrew.

Alexandra Banham is a financial advisor at J.P. Morgan Securities with four years of industry experience. She holds a Series 66 designation and has previously worked at the Board of Governors of the Federal Reserve System and AXA Advisors LLC. She has also been affiliated with the University of Maryland since 2018. 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 brokerage, distribution, and investment management capabilities.

David Laub is a financial advisor at Merrill with 25 years of industry experience. He has held his current position at Merrill since 2008 and holds Series 63 and Series 65 designations. 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, offering model-based and discretionary investment strategies for individuals, high-net-worth clients, pension plans, corporations, and charitable organizations.

Daniel Robinson is a financial advisor at Stifel with 20 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Stifel Nicolaus since 2012. Stifel serves a broad range of clients, including individuals, institutional investors, and charitable organizations, offering brokerage and investment advisory services supported by a proprietary investment methodology developed by its Investment Strategy Group.

Christopher Baldoni is a financial advisor with Raymond James Financial, holding a Series 66 designation and 16 years of industry experience. His prior roles include positions at Bank of America, Merrill, and Equitable Advisors. He is also associated with Addison Avenue Investments, where he provides advice and planning support to members of First Tech Credit Union. Raymond James Financial Services Advisors, Inc. offers financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and nonprofit clients. The firm emphasizes tailored non-discretionary planning using risk profiling and analytical tools and supports these services through a large network of advisors.

Eric Branch is a Financial Solutions Advisor at Merrill Lynch Wealth Management. He focuses on helping clients develop personalized financial strategies that align with their unique ambitions and priorities. Eric works with individuals and families to plan for goals such as funding education, retirement planning, and managing healthcare costs. With experience in general investing, retirement planning, and saving for unexpected events, Eric takes the time to understand what is important to his clients in order to provide tailored advice and ongoing guidance. He holds the Personal Investment Advisor (PIA) designation and earned a High School Diploma/GED from Pitt County Community College.

Brian Gemmell is a financial advisor at UBS Financial Services with 18 years of industry experience. He holds Series 63 and Series 65 licenses and has previously worked at Merrill and Bank of America. Outside of his advisory role, he owns Gemmell Enterprises, a sole proprietorship providing notary services. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings. The firm combines institutional trading capabilities with wealth management services, utilizing proprietary research and model-based asset allocations to tailor plans according to clients' goals and risk tolerances.

Jonathan Stahley is a financial advisor with Ameriprise in La Jolla, CA, holding Series 63 and Series 65 credentials and bringing 27 years of industry experience. He has been with Ameriprise and its affiliated entities since 2005. Ameriprise offers a retirement-income planning service aimed at individuals nearing or in retirement who meet specific asset criteria, providing written Recommendation Reports that cover income sources, Social Security options, and tax-smart withdrawal strategies. The firm combines research, modeling, and tax-efficiency analysis in its approach and delivers recommendations through a centralized consulting team, emphasizing assets held in Ameriprise Managed Accounts.

Eric Schleppenbach is a financial advisor at Edward Jones in San Diego, CA, with 10 years of industry experience. He holds the Series 63 and Series 66 designations and previously worked at TD Ameritrade before joining Edward Jones in 2020. Edward Jones is a full-service wealth management firm serving over four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets and offers a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds, operating under a fiduciary standard.

Christopher Coyle is a financial advisor at Morgan Stanley with 31 years of industry experience. He holds Series 63 and Series 65 licenses and has been with Morgan Stanley since 2009, including roles at Morgan Stanley Private Bank since 2015. Morgan Stanley Wealth Management is an SEC-registered investment adviser and broker-dealer serving both individuals and institutions. The firm offers a range of advisory programs and financial planning services, managing approximately $2.74 trillion in client assets.

Annterese Toth is a Senior Financial Advisor and partner of the VCMP group at Merrill Lynch Wealth Management. She has been in Financial Services for 30 years and joined Merrill in 2003. Annterese holds several professional designations including the Chartered Retirement Planning Counselor (CRPC), Chartered Retirement Plans Specialist (CRPS), Certified Plan Fiduciary Advisor (CPFA), Personal Investment Advisor (PIA), and Retirement Accredited Financial Advisor (RAFA). She assists affluent individuals and business owners with financial strategies, retirement income planning, and estate planning services. Annterese earned her bachelor's degree in business from National University, graduating cum laude. She also attended Hofstra University in New York and completed the Wharton School of Business Executive Training Program. In addition to her professional work, Annterese has been active in her community, serving as a board member of the Finance committee and Vice President for the Rancho Santa Fe Garden Club. She has also been involved with Country Friends of Rancho Santa Fe, Bonsall Woman's Club, and Rally for Children. Annterese resides in Rancho Santa Fe with her husband, former Soccer Hall of Champion Zoltan Toth. They enjoy spending time with their three adult children and other family members.

John Foley is a financial advisor at Fidelity with a Series 66 credential and one year of industry experience. Prior to joining Fidelity, he worked in various roles in the hospitality and service industries, including positions at several bars and restaurants in the San Diego area. Outside of finance, he has experience operating establishments such as Side Piece Bar and Bay Hill Tavern. Fidelity’s Strategic Advisers LLC provides investment management and advisory services to retail and institutional clients, including advisory work for registered investment companies and a Charitable Gift Fund. The firm uses a blend of fundamental research, quantitative analysis, and algorithmic portfolio construction to manage model portfolios drawn from mutual funds, ETFs, and ETPs.

Andrew Garton is a financial advisor at Merrill with a Series 66 designation and three years of industry experience. He has held roles at Merrill Lynch Wealth Management since 2019 and previously worked in experience strategy consultancy and the hospitality industry. Outside of his advisory work, he serves as a financial clerk for his local congregation of The Church of Jesus Christ of Latter-day Saints. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services for Bank of America fiduciary clients through the Select Portfolio Solutions Program, offering a range of model-based and discretionary investment strategies for individuals, high-net-worth clients, and institutional investors.

Douglas Robichaud is a financial advisor with J.P. Morgan Securities in Del Mar, CA, holding a Series 66 designation and one year of industry experience. Prior to joining J.P. Morgan, he worked at Edward Jones for two years and has been involved with Mama Boss Babe Inc. since 2018. 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 applying an ESG eligibility framework in its recommendations.