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.

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 credentials and 16 years of industry experience. He has worked with Rjl Wealth Management and Lucia Securities prior to joining LPL Financial. Outside of his advisory work, he serves as an assistant football coach in Chula Vista, CA. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of representatives. The firm provides a range of advisory programs, financial planning, and retirement consulting, offering both discretionary and non-discretionary management supported by extensive research and model portfolios.

Jason Kaimer is a financial advisor at UBS Financial Services with 26 years of industry experience. He previously worked at First Republic Securities Company LLC and First Republic Bank for over two decades. He holds Series 66 and Series 63 designations and is based in San Diego, CA. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory offerings, including fee-based financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management services and uses proprietary research and model-based asset allocations to tailor client plans.

Brett Everhart is a CFP® professional with 43 years of experience in the financial services industry. He is currently with Raymond James Financial and has held roles at several firms, including First Investments & Planning and Addison Avenue Financial Partners. Outside of his advisory work, he manages rental real estate properties. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to individual, high-net-worth, institutional, and corporate clients. The firm offers tailored, non-discretionary planning and consulting, utilizing risk profiling and analytical tools, and supports a broad network of advisors with additional municipal and SIMPLE IRA advisory services.

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 65 and Series 63 licenses and eight years of industry experience. He previously worked at Sagepoint Financial, Inc. and Royal Alliance before joining OSAIC in 2023. Outside of his advisory career, he owns and operates a plumbing business and is developing public speaking and coaching activities centered on leadership principles. OSAIC serves a wide range of clients including individual investors, high-net-worth individuals, pension plans, corporations, and charitable organizations. The firm offers integrated brokerage and advisory services with comprehensive portfolio management tools and access to multiple third-party money managers.

Timothy Wright is a CFP® with eight years of industry experience, currently serving as a financial advisor at LPL Financial in Carlsbad, CA. His prior roles include positions at PNC Investments and The Prudential Insurance Company of America. Outside of finance, he has worked at several wineries, including Odette Winery and Villa Maria Winery. LPL Financial is an SEC-registered investment adviser and broker-dealer that serves a broad client base, including individuals, retirement plans, and institutions. The firm offers a range of advisory programs and financial planning services supported by extensive research and diversified investment strategies.

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 in San Diego, CA, holding a Series 63 designation and bringing 39 years of industry experience. He has been affiliated with LPL Financial since 2020 and has concurrently maintained roles at Lucia Securities, LLC and RJL Wealth Management, LLC. He has also been involved with SOKORP since 1989. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individual and institutional clients nationwide. The firm offers a broad range of advisory programs and financial planning services, providing both discretionary and non-discretionary management supported by research and technology-driven strategies.

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 licenses and bringing nine years of industry experience. Prior to joining Wells Fargo in 2018, she worked at Origin Tax and Financial Services and US Bank NA. Outside of her advisory role, she co-owns a business involved in buying and selling clothes, shoes, video games, and DVDs online. 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 roughly $671 billion in assets and offers both brokerage and advisory solutions.